vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX 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, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I contacted Capital One credit card to let them know that I had two transactions on my card that I did not recognize. I have had Capital One for years and have never disputed charges. On XX/XX/XXXX I called Captial One as there were two charges one for {$190.00} and one for XXXX. Both these purchases were made in a XXXX XXXX store. I reside in XXXX  and have NEVER IN MY life been to XXXX  and did not authorize these charges. Capital one removed the charges and then added them back to my account on XXXX. I again contacted them and asked about the fraudulent charges and the customer service rep stated they have been added back to your account as " this just shows that I did not take care of my card ''. That is what the Supervisor stated to me. There is no way possible that I could have made those charges. It is completely absurd that I now have to pay those charges or face a negative credit score or negative impacts to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-22 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: Credit Control, LLC
State: FL

Complaint narrative:
Subject : Formal Request for Reinvestigation and Full Compliance Review under

FCRA, TILA, FCBA, FDCPA, and Metro 2 To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under Metro 2 compliance guidelines, including all data fields and condition codes. 

I am disputing this account due to multiple inaccuracies such as account name, date of last activity, and comments. The report is different compared to the other bureaus. Please verify and correct these inconsistencies or remove the account if it can not be validated. 

Account Name/Number : XXXX XXXX  ( XXXX XXXX  ) XXXX Date Opened : XX/XX/year> Nature of Dispute : The Date of Last Activity is inconsistent : XXXX  reports XX/XX/year> XXXX  reports XX/XX/year> XXXX  reports XXXX XXXX Violation of FCRA 607 ( b ) and Metro 2 Field 25 ( inaccurate and misleading reporting of aging ) The payment history is entirely missing : All bureaus show No History Available Violation of Metro 2 reporting standards ( field omission reduces transparency and accuracy ) This may indicate either : The debt is unverifiable and thus omitted by other CRAs. 
The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( 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 explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The incorrect address appearing on my credit report is not only distressing but also a violation of my rights under the FCRA. I have no association with this address and am requesting its removal immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) as 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Subject : Dispute and Request for Removal of Inaccurate Information Account # XXXXXXXX XXXX XXXX ( XXXX  )/ XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX  )/ XXXX  * * Dear [ Credit Bureau Name ], I am writing to dispute the accuracy of information on my credit report concerning an account with UPSTART NETW, identified as Account # XXXX XXXX XXXX XXXX XXXX The details reported by XXXX  and XXXX, as well as the lack of complete information from XXXX, contain errors and violations of the Fair Credit Reporting Act ( FCRA ). I demand the immediate investigation and removal of this inaccurate data from my credit file. 

Disputed Information Account Type : Reported as an unsecured installment loan. 



Account Status : Marked as " Derogatory '' with a status of " Collection/Chargeoff. '' Date Opened : XX/XX/XXXX. 



Last Reported : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ). 



Date Last Active : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ). 



Date of Last Payment : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ). 



Payment History : Shows " OK '' for two years but with a chargeoff status.

Comments : " Charged off as bad debt '' ( XXXX  ), " Account transferred or sold '' ( XXXX  ).

Violations of the Fair Credit Reporting Act ( FCRA ) Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The account shows a balance of {$0.00} and a monthly payment of {$0.00}, yet it remains listed as " Derogatory '' and " Collection/Chargeoff. '' This contradicts the zero balance and suggests incomplete or incorrect reporting.

Failure to Update Information ( 15 U.S.C. 1681i ) : The account was last reported on XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  ), with no recent activity since the last payment in XX/XX/XXXX or XX/XX/XXXX. Outdated information should be removed or updated to reflect the current status.

Incomplete Reporting ( 15 U.S.C. 1681c ) : XXXX  provides incomplete details ( e.g., no " Account Type - Detail '' ), which violates
the requirement for complete and accurate reporting.

Seven-Year Reporting Limit ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : The account, opened on XX/XX/XXXX and charged off by XX/XX/XXXX, should not be reported beyond seven years from the date of the first delinquency ( approximately XX/XX/XXXX ). Continued reporting beyond this period is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Online Dispute : Violation of FCRA, FACTA, TILA, UCC Subject : Urgent Demand for Deletion of Unverified and Inaccurate Collection Accounts Under FCRA, FACTA, TILA, and UCC To Whom It May Concern, This is a formal demand for the immediate removal of four negative accounts from my consumer credit report, which are being reported in violation of federal law. The listed accounts, being reported by debt buyers without my consent, violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Uniform Commercial Code ( UCC ).

Violations Include : 1. FCRA 1681i & 1681s-2 ( b ) : You are legally obligated to conduct a reasonable reinvestigation of disputed information. These accounts have been updated month after month with no substantiating evidence or signed contracts.

2. FACTA : The continued publication of inaccurate, outdated, and unverifiable information directly undermines my right to fair and accurate reporting.

3. TILA : There has been no full disclosure of the transfer, terms, or servicing of these alleged debts following assignment from the original creditor.

4. UCC Article 3 & 9 : There is no proof of valid assignment of debt with commercial paper and no endorsement or authenticated evidence that obligates me to these alleged third-party debts. 
Accounts in Dispute : XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  {$670.00} XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  {$490.00} XXXX. MIDLAND CREDIT MANAGEMENT Original Creditor : XXXX XXXX  {$510.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  {$650.00} I never signed any agreement with the listed third-party entities. These accounts are not legally enforceable without proof of a lawful contract and chain of assignment per UCC 3-302 and 9-210.

You are knowingly harming my credit profile by continuing to report unv
erifiable debt in violation of federal law.

I am demanding : - Immediate reinvestigation of these accounts.- Written disclosure of who verified the information and what documents were used.- Full deletion of each account if not verified within 30 days under FCRA 611.

You are on notice. I am prepared to file formal complaints with the CFPB, FTC, and State Attorney General. Any continued reporting of these unverifiable accounts may be considered willful noncompliance under FCRA 616 and subject to statutory damages. 
Sincerely ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: TX

Complaint narrative:
I repeatedly disputed a license suspension through Checkr background checks XXXX and XXXX support on my report Because I have a valid court order giving me the legal right to drive in the State of XXXX  signed by a XXXX  judge I gave them the phone number and name of the court since XXXX the XXXX I disputed on XXXX the XXXX and after in both support chat and email they would not allow me to talk to anyone other than the live chat that only told me they could file a dispute we did that twice in the chat and was told there was nothing else they could do I asked to talk to a suporvisor and they told me that that team doesnt handle disputes i said then i need the team that does because disputes arent working they refused and only have me the dispute link i had already been disputing with I lost access to XXXX and favor driver apps and this was my only possible source of income until I can get back on my feet I have a legal right to drive and they reported to them otherwise and only ran my original drivers license and did not include the court order and report that I had a legal right to drive even with reinvestigation they claimed they sent revisions and did not I was suspended immediately from the apps.A Judge in the state of XXXX  has authority over the XXXX  department of public safety driver 's license . XXXX and XXXX told me Suporvisor 's would call me back and never did I have a clean driving record this is the number to the court who issued the drivers license Pct. XXXX Justice of the Peace Honorable XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX, Press XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am contacting you to formally dispute an entry on my credit report that does not belong to me. I have no recollection of establishing any relationship that would result in this account being listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
Account : XXXX XXXX XXXX This account were not properly investigated According to XXXX5 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. Thank You

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