vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute certain information currently appearing on my credit report, which I believe to be inaccurate, duplicative, or otherwise unverifiable. After reviewing my report, I have identified entries that appear to be reported more than once by the same furnishers, in some cases under slightly different names, dates, or creditor details. These duplications present a misleading view of my credit history and may be negatively impacting my creditworthiness.

In addition, there is at least one account that I do not recognize and for which I have never received any notice or debt validation, as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous efforts to resolve these issues directly with the credit bureaus and data furnishers, the information remains on my credit report without proper correction or verification. 

Under the FCRA, I have the right to dispute any information that is inaccurate, incomplete, duplicative, or can not be verified. I am requesting that a thorough reinvestigation be conducted. Any account that can not be fully verified with complete and accurate documentation should be promptly removed from my credit file. Duplicate entries should be consolidated or corrected to reflect a single, accurate record. I also request that any accounts under dispute be clearly marked as disputed for the duration of the investigation, in compliance with federal lawXXXXXXXX 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  Despite previous attempts to resolve these discrepancies directly with the credit reporting agencies and the furnishers, the information remains unresolved and continues to be reported inaccurately. These issues may result in the unfair and misleading presentation of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
I was looking at my credit report and notice that I had fraudulant accounts on my report.some of these inquieries have been reported on my credit report for more than 3 years. Please delete all fraudulant accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a complaint against Capital One Bank regarding an ongoing issue with my restricted bank account. 

My Capital One account has been restricted for some time now. When I contacted Capital One customer support, I was informed that I needed to upload my identification to verify my identity. Unfortunately, I mistakenly uploaded an expired ID during that process. I later spoke with a representative who told me that I would need to manually upload a valid ID and that it would take additional time to restore normal account access. 

Since then, I have not received any updates, notifications, or clear communication from Capital One about the status of my account review. My account remains restricted. I can see my balance and make payments, but I am unable to access any other features or perform other banking functions. 

I have made multiple attempts to resolve this directly with Capital One but have not received a resolution or timeframe. The prolonged restriction is causing significant inconvenience and concern, as I am unable to use my account normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurately reported items on my credit report. These entries include inaccurate address records, a late closed account, a repossession, charge-offs, collection accounts, and unauthorized or unverified inquiries. Upon review, these accounts appear to contain discrepancies, incomplete data, or unverifiable reporting that XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX Balance {$620.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX  Original creditor : XXXX XXXX XXXX  AND XXXX  XXXX Balance {$1200.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX  Original creditor : XXXX XXXX  XXXX BANK XXXX XXXX  XXXX Balance {$660.00} XXXX CRED Original creditor XXXX XXXX XXXX XXXX Balance {$620.00} XXXX CRED Original creditor XXXX XXXX XXXX XXXX BANK XXXX Balance {$390.00} XXXX  Original creditor : XXXX XXXX  XXXX XXXX  XXXX Balance {$300.00} XXXX Original creditor : XXXX XXXX  XXXX Balance {$310.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX Balance {$820.00} XXXX  C Original creditor : XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FIN XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under FCRA XXXX ( XXXX U.S.C. XXXX ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request a reasonable investigation. FCRA XXXX ( b ) further mandates that all information in my credit report be reported with maximum possible accuracy, and FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting inaccurate information.

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 2025-10-08 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:
I am writing to formally dispute several inaccurately reported items on my credit report. These entries include inaccurate address records, a late closed account, a repossession, charge-offs, collection accounts, and unauthorized or unverified inquiries. Upon review, these accounts appear to contain discrepancies, incomplete data, or unverifiable reporting that XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX Balance {$620.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX  Original creditor : XXXX XXXX XXXX  AND XXXX  XXXX Balance {$1200.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX  Original creditor : XXXX XXXX  XXXX BANK XXXX XXXX  XXXX Balance {$660.00} XXXX CRED Original creditor XXXX XXXX XXXX XXXX Balance {$620.00} XXXX CRED Original creditor XXXX XXXX XXXX XXXX BANK XXXX Balance {$390.00} XXXX  Original creditor : XXXX XXXX  XXXX XXXX  XXXX Balance {$300.00} XXXX Original creditor : XXXX XXXX  XXXX Balance {$310.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX Balance {$820.00} XXXX  C Original creditor : XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FIN XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under FCRA XXXX ( XXXX U.S.C. XXXX ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request a reasonable investigation. FCRA XXXX ( b ) further mandates that all information in my credit report be reported with maximum possible accuracy, and FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer XXXX XXXX XXXX XXXXncorrect DOB : - XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Request for Update and Deletion of Inaccurate Personal Information To Whom It May Concern, I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) 602, 603, and 611 to request the immediate correction and deletion of inaccurate and obsolete personal information from my credit file. 
Please update my records so that they only reflect the following accurate and current information : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX Date of Birth : XXXX  I am demanding that you delete all outdated, incorrect, or unverified addresses, phone numbers, employers, and any other personal identifying information that does not exactly match the information above. This includes any prior addresses, variations of my name, and phone numbers that do not belong to me. 
Please conduct a reinvestigation in compliance with the FCRA and confirm the removal of all unverifiable or inaccurate information. If you maintain any information that is not verified as accurate and complete, you are in violation of FCRA 611 and subject to civil liability under 616 and 617. 
I expect written confirmation within 30 days of receipt of this letter that my personal information has been updated and all unverified items have been deleted. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint against Credit Acceptance Corporation for the continued reporting of an alleged auto repossession account that is factually inconsistent, legally unverifiable, and inaccurately furnished to XXXX 
Despite multiple disputes submitted through the credit bureaus, Credit Acceptance keeps verifying this tradeline without providing any supporting documentation. 

XXXX XXXX XXXX  have already deleted this same account, which confirms that the information being furnished can not be independently verified. XXXX, however, continues to display contradictory data : Date of last payment listed as XX/XX/XXXX while the account still reports as repossession through XXXX ; No Notice of Default, Notice of Sale, or Deficiency Statement has ever been issued ; Reporting shows repossession fixed rate for over six years with no balance activity, which is chronologically impossible.

These issues demonstrate violations of FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) and 1681s-2 ( b ) ( failure to reasonably investigate ), as well as UCC 9-6119-613 and TILA 131 ( lack of proper repossession and deficiency disclosures ). 

Credit Acceptance has not produced any of the legally required validation documentsno signed contract, no payment history, no proof of repossession order, sale, or deficiency balance. Continued verification of unverifiable data constitutes willful noncompliance under FCRA 1681n and 1681o and has caused significant credit harm.

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 monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-10-08 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:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding several inaccuracies that continue to appear on my credit report, which have caused me financial harm and emotional distress.When I reviewed my report, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are both being reported as charged-off accounts with 1099-C cancellation of debt filings. These entries show balances of {$3600.00} and {$5300.00}, respectively, but neither accurately reflects my records. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5400.00}, and XXXX XXXX XXXX XXXX XXXX with a balance of {$23000.00}, are also listed as charged-off accounts with 1099-C filings that are inaccurate and misleading.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I have the right to dispute and have inaccurate information reinvestigated. I also understand that FCRA 623 ( a ) ( 2 ) requires furnishers of information to provide complete and accurate data to consumer reporting agencies. Reporting incorrect 1099-C balances and statuses directly violates these provisions and creates a false representation of my financial responsibility. These errors have limited my ability to obtain credit and caused significant personal and financial strain.Additionally, my report lists XXXX XXXX XXXX XXXX as a charged-off account even though it reflects a {$0.00} balance. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am entitled to a complete and proper reinvestigation to verify the accuracy of the status and balance with the original creditor. Reporting an account as charged off when no balance exists is misleading and non-compliant with FCRA standards of accuracy.There are also unauthorized inquiries from XXXX XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. I never applied for or authorized these companies to access my credit file. Under FCRA 604 ( a ), credit reporting agencies are only permitted to include inquiries that were properly authorized by the consumer. These unauthorized inquiries have contributed to further harm to my credit standing and privacy rights.These combined inaccuracies have caused ongoing emotional distress and financial difficulties. I respectfully request that the Consumer Financial Protection Bureau review this complaint and assist in enforcing compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding several inaccuracies that continue to appear on my credit report, which have caused me financial harm and emotional distress.When I reviewed my report, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are both being reported as charged-off accounts with 1099-C cancellation of debt filings. These entries show balances of {$3600.00} and {$5300.00}, respectively, but neither accurately reflects my records. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5400.00}, and XXXX XXXX XXXX XXXX XXXX with a balance of {$23000.00}, are also listed as charged-off accounts with 1099-C filings that are inaccurate and misleading.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I have the right to dispute and have inaccurate information reinvestigated. I also understand that FCRA 623 ( a ) ( 2 ) requires furnishers of information to provide complete and accurate data to consumer reporting agencies. Reporting incorrect 1099-C balances and statuses directly violates these provisions and creates a false representation of my financial responsibility. These errors have limited my ability to obtain credit and caused significant personal and financial strain.Additionally, my report lists XXXX XXXX XXXX XXXX as a charged-off account even though it reflects a {$0.00} balance. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am entitled to a complete and proper reinvestigation to verify the accuracy of the status and balance with the original creditor. Reporting an account as charged off when no balance exists is misleading and non-compliant with FCRA standards of accuracy.There are also unauthorized inquiries from XXXX XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. I never applied for or authorized these companies to access my credit file. Under FCRA 604 ( a ), credit reporting agencies are only permitted to include inquiries that were properly authorized by the consumer. These unauthorized inquiries have contributed to further harm to my credit standing and privacy rights.These combined inaccuracies have caused ongoing emotional distress and financial difficulties. I respectfully request that the Consumer Financial Protection Bureau review this complaint and assist in enforcing compliance with the Fair Credit Reporting Act.

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