vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Accounts Under FCRA and FDCPA To Whom It May Concern : This letter serves as my formal dispute regarding the accuracy and legality of the following accounts appearing on my Equifax credit file. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I demand full investigation, validation, and deletion of any account that can not be verified in compliance with the law. 



Accounts in Dispute with Legal Grounds for Removal : XXXX XXXX XXXX XXXX XXXX {$990.00} ( Collection Account ) Violation : FDCPA XXXX ( b ) Debt validation required ; no contract or proof of ownership has been provided. 

Violation : FCRA XXXX ( a ) Unverified information must be deleted. 

XXXX XXXX XXXX {$620.00} ( Collection Account ) Violation : FDCPA XXXX ( b ) Failure to provide original contract and itemized statement. 

Violation : FCRA XXXX ( b ) Inaccurate reporting without maximum possible accuracy. 

XXXX XXXX {$500.00} ( Charged Off Account ) Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnisher XXXX not report information known to be inaccurate. 

Violation : FCRA XXXX ( a ) ( XXXX ) Obsolete charge-off reporting must be removed after 7 years from XXXX. 

XXXX XXXX XXXX {$21000.00} ( Auto Loan Reporting Late Payments ) Violation : FCRA XXXX ( b ) Late payments are not substantiated with full ledger history. 

Violation : FCRA XXXX ( a ) Incomplete and unverifiable information requires deletion. 

XXXX XXXX {$1000.00} ( Collection Account Medical ) Violation : FCRA XXXX ( b ) XXXX XXXX must be reported with maximum accuracy. 

Violation : CFPB XXXX XXXX XXXX ( XXXX  ) Paid or < {$500.00} medical debt XXXX not be reported. 

Violation : FDCPA XXXX ( b ) No validation provided. 

XXXX XXXX XXXX {$620.00} ( Collection Account ) Violation : FDCPA XXXX ( b ) Debt validation not received. 

Violation : FCRA XXXX ( a ) Must be deleted if unverifiable within 30 days. 



XXXX XXXX XXXX {$310.00} ( Collection Account ) Violation : FCRA XXXX ( b ) Reported without maximum accuracy. 

Violation : FDCPA XXXX ( b ) Requires proper debt validation documentation. 

XXXX Debt Mediation Violation : FDCPA XXXX ( b ) Failure to provide original contract and itemized statement. 

Violation : FCRA XXXX ( b ) Inaccurate reporting without maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LEXISNEXIS
State: CA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Issue : Misleading credit card offer and failure to honor advertised sign-up bonus : I applied for the Capital One XXXX credit card based on a publicly advertised offer of XXXX bonus miles after spending {$500.00} within the first XXXX months. I met the spending requirement, but Capital One has not issued the bonus. 

Prior to applying, I had received preapproval emails from Capital One for the XXXX card with even higher bonuses ( XXXX XXXXXXXX miles ), which I did not act on before they expired. When I saw the XXXX offer online, I applied under the reasonable assumption that the bonus would be included. 

After contacting Capital One, I was informed that due to my credit history, I was approved for a version of the XXXX card that does not include rewards. However, this distinction was not disclosed during the preapproval or application process, nor was it made clear that multiple versions of the XXXX card exist XXXX for excellent credit with rewards, and XXXX for good credit without any rewards. 

I believe this lack of transparency is misleading and unfair to consumers. The application process did not clearly indicate that I was being approved for a different product than the one advertised. 

I am requesting that Capital One honor the XXXX bonus as advertised. 

I have documentation including : -Preapproval emails for both the XXXX and XXXX mile offers -Application confirmation -Terms of the XXXX mile offer -Approval notice -Transaction history showing I met the spending requirement Thank you for reviewing this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
On XX/XX/year>, I was notified that Jefferson Capital placed a tradeline on my consumer credit report in the amount of {$190.00}, purportedly for a XXXX monthly loan. I dispute this account in its entirety. At no time have I received any prior notice or validation of this alleged obligation, nor do I have any knowledge of entering into such an account. As required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this alleged debt. Until such validation is properly provided, I demand that this item be removed from all consumer reporting agencies to which it has been furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Request to Block Adverse Items Resulting from XXXX XXXX  ( FCRA 605C / Debt Bondage Repair Act ) To Whom It May Concern : I am a victim of XXXX XXXX, and pursuant to the Fair Credit Reporting Act ( as amended by the Debt Bondage Repair Act ), I am requesting that Experian block all adverse information in my file that resulted from XXXX 

Adverse Items to Block ( Experian ) 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 Balance : {$180.00} Status : Revolving/Credit Line Secured Chargeoff These items were the direct result of trafficking circumstances and must be permanently blocked under federal law. Please confirm in writing once they have been removed from my file. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-09-23 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 filing this complaint because my credit report with EQUIFAX contains unauthorized hard inquiries, inaccurate name variations, and invalid addresses that I did not authorize or provide. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report along with my identification, Social Security card, and proof of current address to support my claim. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, a consumer reporting agency may only share a credit report when there is a legitimate business need initiated by the consumer. The creditor responsible for the inquiry listed below has confirmed that they have no record of my consent, no signed agreements, and no permissible purpose. This inquiry was not authorized by me. 

Unauthorized Inquiry : XXXX XXXX - XX/XX/2023 Additionally, I have identified inaccurate personal information on my credit report, including multiple unauthorized name variations and outdated addresses, which do not belong to me. My only legal name is XXXX XXXX XXXX, as it appears on my Social Security Card ( see proof attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( proof attached ). Any other address listed on my credit report is inaccurate, no longer associated with me, and must be permanently removed from my file. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that XXXX update and correct my personal information to reflect only accurate and verifiable data, as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On the following dates my savings account at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX were done : - XX/XX/year> BUSINESS TO BUSINESS ACH XXXX - XX/XX/year> BUSINESS TO BUSINESS ACH XXXX - XX/XX/year> BUSINESS TO BUSINESS ACH XXXX - XX/XX/year> BUSINESS TO BUSINESS ACH XXXX - XX/XX/year>. BUSINESS TO BUSINESS XXXX XXXX Wells Fargo did not reemburse these charges because they were not filled with XXXX hours of occurrence. The issue is that the Banks security failed, and is not at all safe. We only use the savings account to transfer funds to the checking, in the more then 10 years we have had the account. We do not do online purchases or with debit card use on savings account. We notified the bank of fraud attempt on checking account XX/XX/XXXX. And on XX/XX/XXXX we said it to XXXX XXXX at bank branch. On the XX/XX/XXXX we filled complaint and ordered a freeze on savings account. Checking was already frozen.

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 2025-09-23 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
My financial beliefs are inaccurately shown in the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I was in XXXX, XXXX took a ride to the hotel from XXXX XXXX XXXX the fare was {$15.00} and I checked my charges and they had charged my credit card {$1700.00}. I called Wells Fargo and they removed the charges for me. 
When I returned back to Florida I saw the charge {$1700.00} appeared on my statement. I notified the bank and they opened a dispute case XXXX XXXXXXXX. As of todate Wells Fargo claims I approved this transaction and consider the case closed. I didn't sign anything. 
I just handled over my credit card to charge {$15.00}.

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 2025-09-23 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: NJ

Complaint narrative:
I dispute the XXXX XXXX collection. XXXX is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

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 2025-09-23 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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