vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: VA

Complaint narrative:
5B of the FCRA Account in Dispute : XXXX  Account Number : XXXX Reported Balance : {$4300.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am trying to settle a past-due account with Navy Federal . The bank/collections department refuses to provide the settlement documents in a readable format and is coercing me to pay by Friday, XX/XX/year> without giving me a way to verify what I have agreed to. I am concerned that I may be forced to pay an incorrect amount or waive my rights due to the lack of documentation. I am requesting that the CFPB investigate this as an unfair and deceptive debt collection practice and ensure I receive the proper settlement documents before any payment is required. Attached youll see that the file they sent is corrupted and they are refusing to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-27 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
I am formally disputing the above-referenced account as fraudulent and inaccurate. The reported balance, charge-off amount, and payment history are incorrect. This false information is severely damaging my credit profile and is preventing me from purchasing a home.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding multiple charge-off accounts that MRS BPO , LLC is attempting to collect on behalf of XXXX XXXXXXXX XXXX These accounts are being reported to the credit bureaus and collected without proper notice, without my authorization, and without full validation as required by law. 

I have received collection letters, including one dated XX/XX/year> for an alleged balance of {$84.00}. I dispute this and all other alleged accounts in their entirety. To this date, MRS BPO has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). Validation requires more than a statement balance it must include : A copy of the original signed contract/agreement witXXXX XXXX XXXX XXXX XXXX complete, itemized accounting of how each balance was calculated ; Legal documentation showing assignment or transfer of the debt to MRS BPO , LLC ; Proof of permissible purpose to use or furnish my personal information.

The company continues to report these accounts as charge-offs and actively attempt collection without providing such proof. This violates both the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires all furnishers to conduct a reasonable investigation of disputes and remove unverifiable information.

Further, under FCRA 15 U.S.C. 1681b ( a ), a debt collector must have a permissible purpose to access or share a consumers private information. I have never given MRS BPO , LLC my consent or authorization to access or report my personal data. Without proof of consent, their possession and reporting of my private information is unlawful. 

The companys actions pressuring me to pay without proof, failing to provide validation, and reporting unverifiable charge-offs amount to false, misleading, and unfair practices under FDCPA 15 U.S.C. 1692e.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I've been trying to get a credit card but they keep on denied the application because of XXXX  reporting ignorancy and XXXX  reporting ignorancy on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
1. On XX/XX/year>, the XXXXXXXX XXXX XXXX  charged my AppleCard account {$430.00} XXXX. On my XXXX card statement, on XX/XX/year>, an additional charge appeared on my AppleCard bill in the exact same amount from XXXX XXXX XXXX. 
3. On XX/XX/XXXX, I called the AppleCard phone number to dispute the duplicate charge, since 7 days and passed and I didn't want an extra interest payment assigned.. 
4. The charge was removed, but it was the second charge ( XX/XX/year> ), not the first. 
5. At this point, everything is fine. The bill had been paid ( that proof is in my credit card statement showing funds going to XXXXXXXX XXXX XXXX  ) 6.The charge was re-applied when the credit card company could not find a duplicate entry. So I am now again paying double for something that was paid in full. 
7. I disputed the charge again on XX/XX/year> and submitted the receipts as requested. 
8. I received the following message on XX/XX/XXXX, " there is no evidence to substantiate the claim '' 9. I disputed the charge again and placed the detailed evidence in a XXXX  document with explanations, examples and receipts to support my case. 
10. Today ( XX/XX/year> ) I received the same statement, " Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim ( end of Quote ) '' 11. I will dispute this charge again and state it has been reported to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inaccurate accounts are reporting to my credit file

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 2025-08-27 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: KY

Complaint narrative:
I am formally disputing the inclusion of the below items on my credit report. I have no knowledge of this items, and I did not authorize, open, or benefit from any goods, services, or funds related to it. I believe this account is the result of fraudulent activity and/or identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this information. As this account is both inaccurate and unverifiable, it must be corrected or updated in accordance with federal law. 

The following accounts are in dispute : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint due to the reappearance of a previously removed account from my credit report, an action taken adequate justification. This action constitutes a potential violation of the Fair Credit Reporting Agency ( FCRA ).

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 2025-08-27 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-27 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: TX

Complaint narrative:
Incorrect name and adress My name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX

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 2025-08-27 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: TX

Complaint narrative:
Incorrect name and adress My name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: MD

Complaint narrative:
Subject : Request for Debt Validation Account Number : XXXX Name on Account : Vance Huffman Alleged Debtor : XXXX XXXX XXXX of Alleged Debt : XX/XX/XXXX Date of Communication : XX/XX/XXXX Dear Sir or Madam, I am writing in response to a communication I received on XX/XX/XXXX, regarding an alleged debt purportedly associated with XXXX XXXX, account number XXXX, with a reference to a debt date of XX/XX/XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full and complete validation of this debt. Please provide the following documentation : 1. The full amount of the alleged debt and a breakdown of how that amount was calculated ; 2. The name and contact information of the original creditor ; 3. A copy of the original agreement or contract bearing the alleged debtors signature ; 4. Proof of your authorization to collect debts in the relevant jurisdiction ; 5. A copy of any judgment, if one exists.

Until you provide this documentation, you must cease all collection activity, including communications and reporting to any credit bureaus. Failure to comply will be considered a violation of the FDCPA, and I will not hesitate to report your organization to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

This letter is not a refusal to pay, but a formal request for validation. Please respond in writing. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: WA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-27 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: MA

Complaint narrative:
For the past six months I have disputed multiple accounts directly with furnishers and through the credit bureaus. Despite sending disputes by certified mail, fax, and email, I have only received automated template responses stating the accounts were verified without any evidence. No creditor or bureau has provided documentation of the date of first delinquency, which is critical under FCRA 605 ( a ), 15 U.S.C. 1681c ( a ).

Several accounts are obsolete and should no longer be reported. Others show inflated balances long after charge-off, inconsistent dates of last activity, and missing IRS Form 1099-C where debts appear to have been cancelled. These inaccuracies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report complete and accurate information.

The bureaus have not performed a reasonable reinvestigation as required by FCRA 611, 15 U.S.C. 1681i, and instead rely on automated, computerized verification that does not address the substance of my disputes. This has left my reports inaccurate and misleading.

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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
For the past six months I have disputed multiple accounts directly with furnishers and through the credit bureaus. Despite sending disputes by certified mail, fax, and email, I have only received automated template responses stating the accounts were verified without any evidence. No creditor or bureau has provided documentation of the date of first delinquency, which is critical under FCRA 605 ( a ), 15 U.S.C. 1681c ( a ).

Several accounts are obsolete and should no longer be reported. Others show inflated balances long after charge-off, inconsistent dates of last activity, and missing IRS Form 1099-C where debts appear to have been cancelled. These inaccuracies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report complete and accurate information.

The bureaus have not performed a reasonable reinvestigation as required by FCRA 611, 15 U.S.C. 1681i, and instead rely on automated, computerized verification that does not address the substance of my disputes. This has left my reports inaccurate and misleading.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-08-27 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: NJ

Complaint narrative:
I have not granted permission for this inquiry, nor did I communicate with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-27 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation