vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-13 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-13 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: FL

Complaint narrative:
This account has already been permanently deleted by XXXX and XXXXn, yet Equifax continues to report it inaccurately even after multiple prior disputes and reinvestigations. 
This continued reporting constitutes a reinsertion of deleted data, a willful violation of federal consumer protection laws under the FCRA and FDCPA. 

Key Inconsistencies and Evidence Account Status Conflict Equifax : Closed Charged-off Account XXXX  : Deleted ( no longer reporting ) XXXX : Deleted ( no longer reporting ) The account can not be legally reinserted or remain active on Equifax after deletion from the other CRAs unless certification and notice were provided, which never occurred. 

Contradictory Dates and Reporting Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Last Activity : XX/XX/XXXX These are impossible. The account allegedly charged off in XXXX can not show activity in XXXX. 

Reinsertion Without Notice No written notice or certification from the furnisher ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was ever received prior to reappearance or continued reporting by Equifax. 

Violation of Dispute Status Integrity The account was under dispute ( In Dispute ) across all bureaus but Equifax continues to report it as an active charge-off after prior removals. 

Legal Violations FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of Deleted Information Equifax reinserted or continued reporting this account after deletion by the other CRAs without proper certification and without notifying the consumer within 5 business days.

FCRA 1681i ( a ) Failure to Reinvestigate Accurately Equifax failed to perform a reasonable reinvestigation despite prior disputes supported by clear documentation. 

FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Equifax continues to publish false and inconsistent data with other national CRAs.

FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Reporting False Information XXXX XXXX XXXX  ( the furnisher ) provided contradictory, outdated, and inaccurate data.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of the Legal Status of a Debt Reporting a previously deleted and disputed charge-off as currently active misrepresents the true status and legality of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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 disputing the Past due 30 days that was reported for XX/XX/XXXX to all three credit bureaus by XXXX XXXX XXXX XXXX for my XXXX car lease payments. This is an error. It has caused me great harm, causing my credit score with all three bureaus to drop approximately XXXX points. 

If you see the attached lease agreement, youll see that I owe {$180.00} monthly on my lease. After I leased the vehicle in XXXX, I set up automatic payments for {$180.00} and those payments were consistently initiated on the XXXX of every month from XX/XX/XXXX through today. My attached brokerage statements show {$180.00} coming out of my XXXX brokerage account every month to pay " XXXX '' ( XXXX XXXX XXXX ). Ive also attached the confirmation emails from XXXX showing these payments being paid every month without exception. None of these lease payments were past due 30 days. 

Separately from my lease payments, XXXX charged me a property tax amount of {$170.00} on my vehicle this year. I disputed this amount with XXXX and asked for proof that a taxing entity charged XXXX this amount on my vehicle. After waiting for weeks for a resolution and proof from XXXX, I went ahead and made the {$170.00} property tax payment before hearing from XXXX to avoid further escalation. I've attached an email from XXXX communicating a due date of XX/XX/XXXX for the {$170.00} property tax payment, and I made the payment on XX/XX/XXXX. So the payment was made well within 30 days of the due date XXXX communicated to me. 

In conclusion, none of my XXXX payments should have been reported as 30 days late. My lease payments through today have all been consistently made on time on the XXXX of each month by automatic payment, and the property tax bill they sent me was paid within 18 days of the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I am disputing the Past due 30 days that was reported for XX/XX/XXXX to all three credit bureaus by XXXX XXXX XXXX XXXX for my XXXX car lease payments. This is an error. It has caused me great harm, causing my credit score with all three bureaus to drop approximately XXXX points. 

If you see the attached lease agreement, youll see that I owe {$180.00} monthly on my lease. After I leased the vehicle in XXXX, I set up automatic payments for {$180.00} and those payments were consistently initiated on the XXXX of every month from XX/XX/XXXX through today. My attached brokerage statements show {$180.00} coming out of my XXXX brokerage account every month to pay " XXXX '' ( XXXX XXXX XXXX ). Ive also attached the confirmation emails from XXXX showing these payments being paid every month without exception. None of these lease payments were past due 30 days. 

Separately from my lease payments, XXXX charged me a property tax amount of {$170.00} on my vehicle this year. I disputed this amount with XXXX and asked for proof that a taxing entity charged XXXX this amount on my vehicle. After waiting for weeks for a resolution and proof from XXXX, I went ahead and made the {$170.00} property tax payment before hearing from XXXX to avoid further escalation. I've attached an email from XXXX communicating a due date of XX/XX/XXXX for the {$170.00} property tax payment, and I made the payment on XX/XX/XXXX. So the payment was made well within 30 days of the due date XXXX communicated to me. 

In conclusion, none of my XXXX payments should have been reported as 30 days late. My lease payments through today have all been consistently made on time on the XXXX of each month by automatic payment, and the property tax bill they sent me was paid within 18 days of the due date.

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 2025-10-13 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:
I am disputing the Past due 30 days that was reported for XX/XX/XXXX to all three credit bureaus by XXXX XXXX XXXX XXXX for my XXXX car lease payments. This is an error. It has caused me great harm, causing my credit score with all three bureaus to drop approximately XXXX points. 

If you see the attached lease agreement, youll see that I owe {$180.00} monthly on my lease. After I leased the vehicle in XXXX, I set up automatic payments for {$180.00} and those payments were consistently initiated on the XXXX of every month from XX/XX/XXXX through today. My attached brokerage statements show {$180.00} coming out of my XXXX brokerage account every month to pay " XXXX '' ( XXXX XXXX XXXX ). Ive also attached the confirmation emails from XXXX showing these payments being paid every month without exception. None of these lease payments were past due 30 days. 

Separately from my lease payments, XXXX charged me a property tax amount of {$170.00} on my vehicle this year. I disputed this amount with XXXX and asked for proof that a taxing entity charged XXXX this amount on my vehicle. After waiting for weeks for a resolution and proof from XXXX, I went ahead and made the {$170.00} property tax payment before hearing from XXXX to avoid further escalation. I've attached an email from XXXX communicating a due date of XX/XX/XXXX for the {$170.00} property tax payment, and I made the payment on XX/XX/XXXX. So the payment was made well within 30 days of the due date XXXX communicated to me. 

In conclusion, none of my XXXX payments should have been reported as 30 days late. My lease payments through today have all been consistently made on time on the XXXX of each month by automatic payment, and the property tax bill they sent me was paid within 18 days of the due date.

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 2025-10-13 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: NY

Complaint narrative:
My capital oneXX/XX/XXXX card account was closed in XX/XX/year> but Ive continue making regular monthly payments even though I pay each month .Capital One keeps adding late fees and reporting the account as 30 days late to XX/XX/XXXXXXXX and the credit built this false reporting has caused my balance to increase each month and my credit score to drop by over XXXX points overnight. I contacted Capital One several times and also file dispute withXX/XX/XXXXand XXXX XXXX but nothing has been corrected. I believe this violates the fair credit reporting act FCRA 607 ( b ) ,623 ( a ) ( 1 ), and ( 623 ) ( a ) ( 5 ) Because the information being furnished is not accurate or properly updated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting an alleged XXXX XXXX XXXX account ending in XXXX. XXXX XXXX, the original creditor, has confirmed in writing that no original signed purchase agreement exists for this account. Despite this, XXXX continues to report the account to all three credit bureaus without providing proper verification, which is inaccurate, incomplete, and unverifiable under FCRA 623 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ).

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 2025-10-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: ZWICKER & ASSOCIATES
State: LA

Complaint narrative:
Zwicker & Associates XXXX. 
Debt collector File # : XXXX Re : Request for Debt Validation or 1099-C and Cease and Desist Notice Account : XXXX Ending XXXX To Whom It May Concern, I am writing regarding my XXXX account ending XXXX, which was charged off on XX/XX/XXXX and subsequently sold to Zwicker & Associates XXXX XXXX file # XXXX, for collection. 

Per my previous dispute with the CFPB on XX/XX/XXXX, I requested debt validation for this account. XXXX responded on XX/XX/XXXX by providing 203 pages of billing statements but also issued a written statement confirming that they can not provide my signature or original application to validate the account. In their own words, this confirms that the debt can not be verified under 15 U.S.C. 1681i, which clearly states that if a creditor can not provide a consumer with a signature or application, the debt is unverifiable and must be deleted. 

I have since received correspondence from Zwicker & Associates XXXX, indicating that XXXX has allegedly sold or transferred this debt without my consent. I have no signed contract or agreement with either XXXX or Zwicker & Associates XXXX. establishing that I am legally obligated to pay this alleged debt. 

Accordingly, I am formally requesting the following : 1. A 1099-C form supporting the charge-off, or XXXX. Proper debt validation, including a signed contract with my wet signature showing my agreement to pay Zwicker & Associates XXXX. for this XXXX account. 

The letters previously provided by both XXXX and Zwicker & Associates XXXX. do not constitute lawful debt validation. Without proper documentation, continued collection activity or credit reporting of this account is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, as well as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ) of the FDCPA, I am hereby requesting that Zwicker & Associates XXXX. cease all communication with me immediately, except to provide : The legally required debt validation documents, or Written notification that collection efforts have been terminated or that the account has been returned to the original creditor.

If neither a 1099-C nor proper debt validation can be provided, I request that this account be deleted from all credit reporting agencies immediately. Continued collection or reporting of this unverifiable account will be reported to my State Attorney Generals Office for further review. 

I am also attaching copies of all correspondence and documentation received from both XXXX and Zwicker & Associates XXXX. as proof of my prior requests and to support this formal complaint. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NOTICE OF BREACH OF CONTRACT, MISREPRESENTATION, VIOLATION OF TILA AND AFFIDAVIT STATEMENT OF UNDISPUTED FACTS! See attached, Affidavit, Credit report, federal court Complaint and SEC public filings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I am writing to file a complaint against National Credit System for unfair and deceptive practices in violation of the Fair Credit Reporting Act ( FCRA ) concerning an account associated with my name and Social Security Number ( SSN ) XXXX, identified by account number XXXX. 
National Credit System has reported negative information regarding the above account to credit bureaus without properly validating the debt, which is a violation of Section 609 of the FCRA. This section mandates that consumers have the right to request and obtain a validation of the debt. 
Despite formally disputing the debt and requesting validation as required by Section 809 of the FCRA, the company has failed to provide any documentation or evidence to substantiate their claim. This failure is in direct violation of my rights under this Act.

Furthermore, National Credit System has reportedly sold the alleged debt without my explicit consent. This practice infringes upon my consumer rights and violates provisions related to privacy and consent under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, these laws require that a consumer be informed and provide consent before their debt is sold or transferred. 
I seek the immediate removal of the claimed debt from my credit report and proper validation of the debt in question, along with any necessary corrections to the reporting made by National Credit System to ensure compliance with the FCRA and FDCPA. 
I appreciate your attention to this matter and look forward to your assistance in resolving these serious violations. 
Thank you for your prompt consideration.

Company response to consumer: Closed with explanation