vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAP1/KOHLS has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Two months ago ( around XX/XX/year> ), three separate delinquent student loan accounts were reported to all three credit bureaus by XXXX. The total balance was {$1900.00}. I received no prior phone calls or written communication notifying me of any balance due, delinquency, or deferment ending. The only contact was a single suspicious-looking email branded as XXXX, with a click here to pay link which resembled phishing, so I disregarded it. 

Ive lived at the same residence for 9 years. I never received mailed notices, calls from XXXX about these loans. The last servicer I recall using was XXXX ( now XXXX ), which showed the accounts as paid. I was unaware of the transfer to XXXX. 

Upon seeing the three negative entries on my credit report, I immediately verified the legitimacy and paid the full balance ( {$1900.00} ) directly through XXXX portal on XX/XX/year>. However, significant damage had already been done to my credit score.

Reporting three tradelines for a single set of loans and doing so without any attempt at contact by mail or phone violates basic standards of due process and likely FCRA requirements for accurate, fair, and verifiable reporting. 

I request that these entries be removed or corrected across all credit bureaus, given the lack of notice and the immediate full repayment once I became aware. 

I have disputed these entries through all three credit bureaus as well on the basis of FCRA, requesting that these be removed or corrected across all credit bureaus, given the lack of notice and the immediate full repayment once I became aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Two months ago ( around XX/XX/year> ), three separate delinquent student loan accounts were reported to all three credit bureaus by XXXX. The total balance was {$1900.00}. I received no prior phone calls or written communication notifying me of any balance due, delinquency, or deferment ending. The only contact was a single suspicious-looking email branded as XXXX, with a click here to pay link which resembled phishing, so I disregarded it. 

Ive lived at the same residence for 9 years. I never received mailed notices, calls from XXXX about these loans. The last servicer I recall using was XXXX ( now XXXX ), which showed the accounts as paid. I was unaware of the transfer to XXXX. 

Upon seeing the three negative entries on my credit report, I immediately verified the legitimacy and paid the full balance ( {$1900.00} ) directly through XXXX XXXX on XX/XX/year>. However, significant damage had already been done to my credit score.

Reporting three tradelines for a single set of loans and doing so without any attempt at contact by mail or phone violates basic standards of due process and likely FCRA requirements for accurate, fair, and verifiable reporting. 

I request that these entries be removed or corrected across all credit bureaus, given the lack of notice and the immediate full repayment once I became aware. 

I have disputed these entries through all three credit bureaus as well on the basis of FCRA, requesting that these be removed or corrected across all credit bureaus, given the lack of notice and the immediate full repayment once I became aware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Two months ago ( around XX/XX/year> ), three separate delinquent student loan accounts were reported to all three credit bureaus by XXXX. The total balance was {$1900.00}. I received no prior phone calls or written communication notifying me of any balance due, delinquency, or deferment ending. The only contact was a single suspicious-looking email branded as XXXX, with a click here to pay link which resembled phishing, so I disregarded it. 

Ive lived at the same residence for 9 years. I never received mailed notices, calls from XXXX about these loans. The last servicer I recall using was XXXX ( now XXXX ), which showed the accounts as paid. I was unaware of the transfer to XXXX. 

Upon seeing the three negative entries on my credit report, I immediately verified the legitimacy and paid the full balance ( {$1900.00} ) directly through XXXX portal on XX/XX/year>. However, significant damage had already been done to my credit score. 

Reporting three tradelines for a single set of loans and doing so without any attempt at contact by mail or phone violates basic standards of due process and likely FCRA requirements for accurate, fair, and verifiable reporting. 

I request that these entries be removed or corrected across all credit bureaus, given the lack of notice and the immediate full repayment once I became aware. 

I have disputed these entries through all three credit bureaus as well on the basis of FCRA, requesting that these be removed or corrected across all credit bureaus, given the lack of notice and the immediate full repayment once I became aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX account was hacked. After ten days of no response from XXXX I filed a dispute with Capital One Credit Card. The card company issued a temporary credit on XX/XX/year>. On XX/XX/year> they said the credit was being charged back because the purchase was over 120 days. On XX/XX/year> the temporary credit was reissued. On or about XX/XX/year> XXXX reactivated my tickets. I immediately contacted Capital One and requested they take away the temporary card because the dispute was resolved and I obtained my tickets back. Capital One disregarded my request and continued to go after XXXX to request a chargeback. XXXX proceeded to than void my tickets. Capital One is refusing to take responsibility for their actions taking the position that XXXX was the one dealing with the merchant. However, in the telephone call with the agent I was never informed of this and I was never advised to contact XXXX directly to request that they stop pursuing this matter. My tickets are voided, the concert is sold out and Capital One refuses to acknowledge that they did not advise me to contact XXXX and made it seem like they would close the dispute when I contacted them that I was able to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian Information Solutions , Inc. for failing to maintain accurate and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Despite submitting a written dispute, Experian continues to report the following accounts and data which are inaccurate, unverifiable, or false : XXXX XXXX XXXXXXXX XXXX XXXX Charge-off * * This account shows as a charge-off with a {$0.00} balance. There is no documentation verifying this account belongs to me, nor have I received any validation of the debt. Experian has failed to provide evidence of a permissible purpose for continued reporting, thereby violating FCRA 1681i ( a ), which requires deletion of unverifiable items. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX Charge-off * * This is another account marked as charged-off with a {$0.00} balance and no recent activity. There is no contractual agreement, billing statement, or written verification provided. This account appears obsolete, unverifiable, and misleading, and its continued reporting violates FCRA 1681e ( b ). 

XXXX Hard Inquiry dated XX/XX/year> I did not authorize this inquiry. I did not apply for credit with XXXX or any affiliated lender. This inquiry appears without my knowledge or consent and violates FCRA 1681b, which requires consumer authorization for such activity. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX These addresses are not and have never been associated with me. Experians failure to remove these addresses after being notified causes confusion and contributes to a high risk of misidentification. This is a direct violation of FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 

Despite my efforts to resolve these errors directly, Experian has not taken the appropriate corrective action within the time frame mandated by law. These inaccuracies are damaging my credit profile and harming my financial opportunities. 

I respectfully request the Consumer Financial Protection Bureau to investigate Experian for its failure to comply with the FCRA, ensure deletion or correction of the inaccurate items, and take regulatory action to prevent continued non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
XXXX, XXXX, XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief