vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This communication serves as an immediate and unequivocal demand for the deletion of all inaccurate and unverified collection accounts you are reporting to the national credit reporting agencies ( XXXX, XXXX, and TransUnion ). This is not a dispute ; it is an accusation of willful non-compliance and a formal notice of your ongoing legal violations. 

You have failed to provide any and all validation of the purported debt in question, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). Your continued reporting of this account after failing to produce a single shred of legitimate validation constitutes an unlawful and willful act. Furthermore, by reporting this inaccurate information, you have also violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), by failing to conduct a reasonable investigation into the validity of this debt. 

Your willful and persistent reporting of this unverified account, without furnishing original contracts, itemized statements, and a verifiable chain of custody, is a fraudulent act. This conduct constitutes making false statements to a federal agency ( 18 U.S.C. 1001 ) and engaging in mail and wire fraud ( 18 U.S.C. 1341 and 1343 ), as you are using interstate commerce to transmit fraudulent credit data. 

Let this notice be perfectly clear : continued reporting of this false information will be considered an act of willful misconduct and will immediately trigger civil litigation, bar complaints against your in-house counsel, and direct referrals to the Federal Trade Commission XXXX FTC ), the Consumer Financial Protection Bureau XXXX CFPB ), and other relevant consumer protection agencies for formal investigation and prosecution. 

I demand the immediate, permanent deletion of the following collection accounts from all three credit bureaus, not a mere suppression or an edited dispute remark : XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX BANK XXXX ( Account Number : XXXX XXXX  ) You have XXXX ( XXXX ) business days from the date of this complaint to comply with this demand. Failure to comply will be deemed a deliberate disregard for federal law and will initiate a cascade of legal and regulatory consequences

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have 6 capital one cards, and always log in and they always show the PAYMENT DATE DUE, AND THE RECTANGLE ICON BELOW SHOWS " MAKE A PAYMENT ''. Well, the payment due icons were NOT WORKING AND STILL ARE NOT!! They said I missed a payment on the card ended in XXXX, it was due XX/XX/XXXX. I remember looking at the 6 cards and it did not show the payment due. It was late because of their broken website!!! 

I am enclosing a screen shot to prove that they do not show the payments due on most of them when they always did before!!

And I do not want them reporting this to the credit bureaus because I need to appy for a home loan, it is a dire situation.

And their website also shows the wrong credit available when I do make a payment, it is showing available credit for a different card from them!!! That is absolutely False Credit card info!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I have a very common name and my addresses are being mixed along with the names being used.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received a letter on XXXX regarding possible fraud connected to account being opened under my name and address that I did not apply for at any time. I made contact with Capital One regarding the matter. I was required to submit all of my personal info in order to even make a fraud response/claim with Capital One. When all was done on the phone with the Capital One rep, I could not get any info whatsoever from the rep/credit company, regarding the identity of the fraudulent applicant. If I ever do get any info from Capital One, I can't make any type of significant law enforcement complaint because I have no info to supply to police. I have no idea where or when my personal info was breached by the fraudster. I also do not know what ID was supplied by the applicant or what info was used to prove the ID of the applicant! I am blocked from gaining access to any info regarding an account opened in my name with my SSN and DOB, but the creditor has sent cards in my name to the fraudster! I am left in the cold regarding my financial security, and can't get the fraudster charged, but the fraudster is permitted to keep using my info! I want to know why my Rights are permitted to be violated, yet the criminal 's phone number and possible address is protected by the Capital One system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
These accounts were charged off on the following dates ( please see attachments ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding these accounts be DELETED ASAP.

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 2025-08-26 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 accounts were charged off on the following dates ( please see attachments ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding these accounts be DELETED ASAP.

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 2025-08-26 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: GA

Complaint narrative:
I am writing to file a formal complaint with the CFPB concerning significant inaccuracies and erroneous personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Despite my best efforts to maintain accurate financial records, my reports contain numerous items that are not mine and are negatively impacting my financial standing. 

The following is a detailed list of the inaccurate information I am requesting be investigated and removed immediately : Inaccurate Aliases : My credit report lists the fictitious alias " XXXX XXXX, '' which is not and has never been my name. This unauthorized alias is a clear error that should be removed without delay. 

Erroneous Addresses : The address " XXXX XXXX XXXX XXXX IN XXXX '' is listed on my report. I have no affiliation with this address, and its presence is a severe inaccuracy. All fraudulent addresses must be removed. 

Unauthorized Hard Inquiries : I have identified hard inquiries from " XXXX XXXX '' and XXXX XXXX XXXX XXXX that I did not authorize. These inquiries are unauthorized and are damaging my credit profile. I am requesting that these unauthorized inquiries be removed immediately. 

Falsified Employment Data : My credit report incorrectly lists " XXXX XXXX '' as a past employer. I have never been employed by this company. This false employment information must be corrected and removed from my report. 

The presence of these XXXX inaccurate entries, including incorrect personal details, hard inquiries, and employment history, is in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. These inaccuracies are causing me significant financial harm and are a source of great stress. 

I am requesting that the CFPB investigate this matter thoroughly and use its authority to compel the credit reporting bureaus to conduct a full and complete re-investigation and correct my file. I ask that all inaccurate information, as detailed above, be permanently deleted from my credit reports.

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 2025-08-26 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Due to medical bills and other payments and current financial state, I needed to enroll in a financial hardship program with the Apple credit card that is through Goldman Sachs. I requested a hardship program in XXXX and was told that I would be given one. The program was emailed to me and that was to skip my upcoming payment. I reached out again this month and was denied a hardship plan because I was told for the first time that you can only request a plan once a year. This was never communicated to me when I initially reached out in XXXX. I checked both messages and email and the company was not transparent about this clause. If I was told about this, I would have asked for a long-term payment hardship plan rather than accepting the one month. The company has no explanation for why this was not told to me when enrolling in the plan in XXXX. I was only told this information after I was denied a plan this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX SSN : * -- XXXX XXXX : XX/XX/XXXX Companies Reported Against : Experian ( Credit Reporting Agency ) XXXX XXXX XXXX ( Debt Collector / Furnisher ) XXXX XXXX XXXX XXXX ( Creditor / Furnisher ) Summary of Complaint I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to Experians failure to maintain maximum possible accuracy and two furnishers unlawful reporting practices. Both accounts listed below are inaccurate, misleading, and harmful to my creditworthiness. 



Accounts in Dispute XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Reported : XX/XX/XXXX Balance Reported : {$1600.00} Violations : 1. Premature Charge-Off / Collection Reporting Account reported as a charge-off within 7 months of opening, contrary to FFIEC guidelines requiring 180 days ( revolving ) or 120 days ( installment ). Violates FCRA 1681e ( b ). 
2. Misrepresentation of Balance & Status Reporting a current balance on a charged-off account is misleading. Violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) and FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
3. Potential Re-Aging of Debt If the Opened date reflects transfer rather than original delinquency, this unlawfully re-ages the debt in violation of FCRA 605 ( c ). 



XXXX. XXXX XXXX XXXX XXXX Account Number Ending : XXXX Reported Status : Charge-Off with ongoing delinquency Charge-Off Date : XX/XX/XXXX Violations : 1. Inaccurate Dual Reporting Showing both charge-off and ongoing delinquency/current balance simultaneously misrepresents the legal status. Violates FCRA 1681e ( b ).

2. Verification Failure If XXXX XXXX can not provide original documentation proving legal right to report the debt, the tradeline must be deleted. Violates FCRA 1681i. 
3. No Permissible Purpose if Sold If the debt has been sold, XXXX XXXX no longer has authority to report a balance. 
4. Unlawful Re-Aging Continued derogatory reporting years after the charge-off date unlawfully extends the 7 years + 180 days reporting window under FCRA 605 ( c ). 



Harm Caused Artificially inflated utilization ratios Misleading impression of ongoing liability Lowered creditworthiness, denial of favorable credit terms

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 2025-08-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXXXX XX/XX/year> ) - Delete from file ( XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) - Delete from file ( XXXX XXXX XX/XX/year> ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

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 2025-08-26 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: FL

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXXXX XX/XX/year> ) - Delete from file ( XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) - Delete from file ( XXXX XXXX XX/XX/year> ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have just over {$10000.00} in a PayPal savings account. They decided to permanently limited my account ( probably due to a painting that I bought from overseas ). When they limited it, they refused to allow me to withdraw any funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA 605B(15 . U. S. C.\n1681c2) that you, the TransUnion credit reporting agencys block the information\nappearing on my consumer credit report that is the result of identity theft, and fraud within\nfour business days of you receiving this complaint. This fraudulent, inaccurateand false\ninformation consist of personal credit card accounts, auto loans, personal loansand open\nend unsecured consumer accounts as follows:\nINQUIRIES:\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections\nappearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in\nquestion as well as a copy of the consumer FICO credit report maintained by you which\nshows the said fraudulent items. I do not recognize these accounts, collections and hard\ninquiries as reported. The aforementioned accounts, collections and hard inquiries appearing\non my consumer credit report maintained by you were not opened, made or initiated by me.\nAll of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I\nhave attached a copy of the FTC identity theft criminal complaint case number XXXX, as\nproof from the US federal trade commission that all of the aforementioned, consumer credit\naccounts, 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