vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
In compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that you : Block these fraudulent accounts from appearing on my credit report. 
Notify the furnishers of information that the accounts are fraudulent. 
Provide me with written confirmation of the actions taken.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
To whom it XXXX concern, I am writing concerning the alleged debts that I am disputing with Equifax. I've been asking for the DEMAND FOR PROOF OF LEGAL ASSIGNMENT, AND I PROVIDED DOCUMENTATION OF a DATA BREACH FROM EQUIFAX ( Equifax, you dropped the ball on thousands of individuals in the United States, and you've been this difficult with people concerning the alleged debts on my credit report. I provided you with proof of the XXXX XXXX and showed that the alleged debts have been deleted from my credit report. Even though Equifax is being sued by CFPB for " SHAM INVESTIGATION, '' it's still a shame that Equifax continues to do the same investigation. I continue to keep my documentation for when it's time to go to court. Equifax, y'all are doing too much. Then had the audacity to send me a letter, stating that documentation of alleged debts is FRIVOLOUS!!! that's insane, I am not the one being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
Subject : Formal Dispute Illegal Re-Aging, Inaccurate Reporting, and FCRA Violations Creditor : XXXX XXXX  Account Number : [ Insert Account # as listed ] To Whom It May Concern, I am formally disputing the XXXX XXXX  account being reported on my credit file. This account is not mine, and the information being furnished is inaccurate, incomplete, and in direct violation of the Fair Credit Reporting Act ( FCRA ). I am demanding the immediate deletion of this tradeline from my credit file, as correction is not possible given the multiple re-aging and reporting violations outlined below. 
Key Violations Identified 1. Re-Aging of Account - The account shows as Closed on XX/XX/XXXX, yet derogatory data continues to be reported through XXXX, XXXX, XXXX, XXXX, XXXX, and even into XXXX. 
- Violation of FCRA 623 ( a ) ( 5 ) : Must report the actual Date of First Delinquency ( DOFD ).

- Violation of FCRA 605 ( a ) : Prohibits re-aging to extend reporting beyond 7 years. 
XXXX. False Payment History Reporting - Payment history shows continuous derogatory marks long after the account was closed. 
- Once charged-off/closed, an account can not accrue new delinquencies. 
- Violation of FCRA 623 ( a ) ( 1 ) ( A ).

3. Contradictory Status Information - Account lists as Closed XX/XX/XXXX, yet also reports Charge-Off activity years later.

- Violation of FCRA 607 ( b ) and FCRA 611 ( a ). 
XXXX. False Payment Record - The account reflects a Last Payment on XX/XX/XXXX, although I never made any payment because this account is not mine. 
- Violation of FCRA 623 ( a ) ( 1 ) ( B ). 
XXXX. Data Errors Impossible Entries - The account is reporting XX/XX/XXXX under delinquency metrics an impossible entry. 
- Violation of FCRA 607 ( b ) and 623 ( a ) ( 2 ).

Demand for Immediate Deletion Because of the above violations, it is clear this account can not be corrected and must be permanently deleted. Continued reporting of this tradeline would represent willful noncompliance with the FCRA, subjecting both the furnisher ( XXXXXXXX XXXX ) and the CRA ( Equifax ) to liability under FCRA 616 & 617. 
Action Requested1. Immediately delete the XXXX XXXX  account from my credit report. 
XXXX. Provide written confirmation of deletion within 30 days of receipt of this dispute. 
XXXX. Include documentation of your reinvestigation process. 
Failure to comply will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and pursuing remedies under FCRA 616 & 617. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Central Research Inc
State: LA

Complaint narrative:
I have a student loan as a parent plus loan and a personal loan. With so many prank calls being received, I am unsure if the calls that I am receiving are not prank calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX RE : XXXX XXXX XXXX Credit Bureaus for XXXX to Investigate Illegal Debt Re-aging Consumer : XXXX XXXX Dear XXXX XXXX XXXX, I am filing this formal complaint against the XXXX major credit bureaus ( XXXX XXXX and TransUnion ) as well as applicable smaller credit reporting agencies for their failure to properly investigate and remove an illegal entry on my credit report that violates the Fair Credit Reporting Act ( FCRA ). 

COMPLAINT DETAILS : The credit bureaus are reporting a delinquent account from XXXX XXXX XXXX ( collection agency ) regarding a First XXXX Bank account XXXX The critical issue is that this debt has been illegally " re-aged '' : Original Account : First XXXX Bank Account XXXX : XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Legal Issue : This debt is past the XXXX reporting period and should have been automatically removed VIOLATIONS : XXXX. * * Illegal Re-aging * * : Under the FCRA, negative information must be removed after 7 years from the date of first delinquency. Since this account closed in XXXX, it should have been removed from my credit report by XXXX at the latest. 

XXXX. * * Failure to Investigate * * : Despite my disputes, the credit bureaus have failed to conduct reasonable investigations into the accuracy and legality of this reporting. 

XXXX. * * Continued XXXX * * : The bureaus continue to report this time-barred debt, which artificially extends its impact on my XXXX XXXX beyond the legal limit. 

REQUESTED ACTIONS : XXXX. XXXX investigation into this illegal re-aging practice XXXX. Removal of this time-barred debt from all credit reports XXXX. Correction of my XXXX XXXX to reflect the removal XXXX. Written confirmation that the item has been permanently deleted XXXX. Investigation into XXXX XXXX XXXX 's practices of re-aging expired debts XXXX. Appropriate penalties against the credit bureaus for FCRA violations IMPACT : This illegal reporting is damaging my XXXX XXXX and preventing me from obtaining credit, housing, and employment opportunities that require credit checks. 

I have attempted to resolve this directly with the credit bureaus through their dispute processes, but they have failed to properly investigate or remove this illegal entry. I am now seeking your intervention to enforce compliance with federal credit reporting laws. 

I have attached copies of relevant documentation and am prepared to provide additional information as needed. Please investigate this matter promptly and take appropriate enforcement action. 

Thank you for your attention to this serious violation of consumer protection laws. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-08-22 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertise promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account has violated my rights, Hard Inquiries : XX/XX/XXXX XXXX XXXX XXXX- XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - Banking XX/XX/XXXX XXXX Late payments : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX Vacations- XXXX - late XXXX : XX/XX/XXXX XXXX Vacations- XXXX - late XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX - late Payment XXXX XX/XX/XXXX XXXX - XXXX - Late payment XXXX XX/XX/XXXX XXXX XXXX - XXXX - Late Payment : XX/XX/XXXX XXXX XXXX  - XXXX - Late Payment : XX/XX/XXXX, XXXX, XXXX, XXXX, Dec 2022 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account has violated my rights, Hard Inquiries : XX/XX/XXXX XXXX XXXX XXXX- XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - Banking XX/XX/XXXX XXXX Late payments : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX Vacations- XXXX - late XXXX : XX/XX/XXXX XXXX Vacations- XXXX - late XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX - late Payment XXXX XX/XX/XXXX XXXX - XXXX - Late payment XXXX XX/XX/XXXX XXXX XXXX - XXXX - Late Payment : XX/XX/XXXX XXXX XXXX  - XXXX - Late Payment : XX/XX/XXXX, XXXX, XXXX, XXXX, Dec 2022 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-22 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

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. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies in my credit report, including incorrect addresses and falsely reported late payments, which have caused significant financial and personal harm. These errors demonstrate negligence and violations of federal credit reporting laws, specifically the Fair Credit Reporting Act ( FCRA ). XXXX investigation and correction are demanded. 
Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Issue : Wrong Address Law : FCRA, 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 
Story : I have never lived at XXXX XXXX XXXX, yet this address is being reported as associated with my credit history. This erroneous reporting creates confusion for creditors and falsely impacts my creditworthiness. My repeated disputes to the credit bureaus have been ignored or inadequately addressed. The continued presence of this incorrect information on my report constitutes a failure to maintain accurate records, which is a direct violation of my legal rights under the FCRA. 
I request that CFPB investigate these errors, enforce compliance with federal law, and ensure correction of the inaccurate addresses and late payment records. The repeated negligence and misreporting by the relevant parties have caused significant harm, and prompt corrective action is necessary to restore my credit integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request a cleanup of the personal information listed on my credit file. My correct and legal name is XXXX XXXX XXXX I request that all other name variations currently on my credit file be permanently deleted. 
Additionally, please remove the following personal information from my credit file : All telephone numbers All past and/or current employers Any other personal identifiers not listed below The only personal information that should remain on my credit file is : Full Legal Name : XXXX XXXX XXXX XXXX Birth : XX/XX/year> XXXX ( Last XXXX ) : XXXX Current Address : XXXX East XXXX XXXX, XXXX XXXX, XXXX, NY 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 non-monetary relief