vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
Both XXXX XXXX and TransUnion, Equifax and Experian are engaged in a pattern of willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), causing direct and ongoing financial harm. The account listed as XXXX XXXX acct # XXXX is inaccurate and unverifiable. My direct disputes have been met with a sham " verification '' process that ignores the law. The violations are systematic and clear. What are the specific legal violations? The following statutes have been violated, creating an indefensible position for both companies : VIOLATION 1 : 15 U.S.C. 1681e ( b ) - The credit bureaus Failure to Maintain Reasonable Procedures. The Credit Bureaus has utterly failed its foundational duty under the FCRA. The reporting of this inaccurate account demonstrates a systemic failure in their procedures. Any reasonable procedure would have flagged this account as erroneous upon receipt or during my dispute. Their continued reporting of this item is prima facie evidence of their negligent and unreasonable operations. VIOLATION 2 : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - XXXX XXXX Failure to Provide Accurate Information. The furnisher, XXXX XXXX, has violated its duty to not furnish information it knows or has reasonable cause to believe is inaccurate. The details of this account are incorrect wrong date of first delinquency, wrong payment history. By providing this flawed data to the bureaus, XXXX XXXX poisoned the entire reporting ecosystem and is directly liable for the resulting inaccuracies. VIOLATION 3 : 15 U.S.C. 1681i ( a ) - The Credit Bureau Failure to Conduct a Proper Reinvestigation. Upon receiving my formal, written dispute, the Credit Bureaus was legally obligated to conduct a reasonable reinvestigation. Instead, they relied on their flawed, automated ACDV system, which merely asks the furnisherthe source of the inaccuracyto " verify '' the information it already provided. This is a circular, self-serving, and legally insufficient process that does not constitute a " reinvestigation '' as defined by the FCRA and interpreted by federal courts. It is a willful abdication of their statutory duty. VIOLATION 4 : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - the Credit Bureaus Failure to Provide Investigation Description. This is a XXXXXXXX XXXX that proves their bad faith. Following their so-called " reinvestigation, '' I explicitly requested a description of the procedure used to investigate my dispute, as is my absolute right under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). TransUnion, Equifax and Experian has completely failed to comply. This is not a minor oversight ; it is a deliberate concealment of their non-compliant, automated processes. Their refusal to provide this legally mandated disclosure is, in itself, a clear violation of the FCRA. I have attached a screenshot of the errors on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am following up on a dispute submitted under FCRA 611 ( 15 U.S.C. 1681i ) regarding a late payment that was inaccurately reported on my credit file. I provided documentation, including bank statements and payment confirmations, clearly showing that the payment was made on time. Despite this, the credit bureau failed to correct the error or provide any reinvestigation outcome within the required 30-day period. The inaccurate late payment remains, which is a violation of my rights under the FCRA. 
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 Owed : {$3800.00} XXXX 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 Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am submitting this complaint to formally address discrepancies I have discovered on my credit report that do not accurately reflect my financial history. These inaccuracies have caused me undue stress and have negatively affected my ability to access fair financial opportunities.One item of particular concern is a reported charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing a balance owed of {$0.00}. This account does not accurately represent my financial activity, and I request that it be carefully reviewed and removed if it can not be verified as accurate. Under FCRA 609 ( a ), I have the right to request verification of any account on my file, and I am exercising that right to ensure my credit report is correct.In addition, there are multiple inquiries on my report that are either unauthorized or do not reflect my financial activity, including XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XX/XX/XXXX. I respectfully request a thorough reinvestigation of these items in accordance with FCRA 611 ( a ) ( 1 ) .Credit reporting agencies have a responsibility to ensure the maximum possible accuracy of the information they report. As stated in FCRA 607 ( b ), reasonable procedures must be in place to maintain accurate credit information, and FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report complete and accurate data. Based on these provisions.

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 2025-10-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I had my credit pulled without my consent. I provided my information only for a financing quote and did not authorize a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to XXXX XXXXXXXX XXXX XXXX XXXX, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX XXXX has failed to respond, verify, or correct the information within the required thirty ( 30 ) days.

Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. 
Since XXXX XXXXXXXX XXXX XXXX did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXXXXXX XXXX XXXX s immediate compliance with FCRA requirements.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TN

Complaint narrative:
Date:10/21/25 To : Consumer Adjustment Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Subject : Request for Deletion of Collection Account Account # XXXX Dear Consumer Adjustment Company, I am writing regarding the collection account you are reporting to XXXX under account number XXXX, originally with XXXX. According to my credit report, this account was opened on XXXX XXXX XXXX, with a balance of {$1100.00}.

I am formally requesting that this account be validated or removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide full verification of the debt, including : A copy of the original signed agreement or contract with my signature, Documentation showing that you are authorized to collect on behalf of the original creditor, and An itemized statement of the amount owed and how it was calculated. 

If you are unable to provide full validation within 30 days, please remove this collection account from my credit report immediately. 

If the debt has already been paid or resolved, I respectfully request that you consider removing the negative item as a goodwill adjustment to help me rebuild my credit. 

Please send written confirmation of the outcome of this request to the address listed above. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe have inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am asking for these accounts to be reviewed, and if they can not be confirmed as correct, they 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 non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate items on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These inaccuracies have caused me stress, impacted my financial opportunities, and do not reflect my true financial history. I request that each item be permanently deleted from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2025-10-22 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate items on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These inaccuracies have caused me stress, impacted my financial opportunities, and do not reflect my true financial history. I request that each item be permanently deleted from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
I am submitting new documentary evidence showing that TransUnion continues to report the XXXX XXXX XXXX account inaccurately despite my previous complaint. 

This complaint supplements prior CFPB Case # XXXX, which TransUnion falsely closed without correction. 

TransUnions own investigation results dated XX/XX/XXXX, confirm that the item was verified as accurate ; however, updated, proving the data was previously incorrect. The same account has been reinserted and altered repeatedly since XX/XX/XXXX without the reinsertion notice required by FCRA 611 ( a ) ( 5 ) ( B ) and remains unverified under 611 ( a ) ( 7 ). The balance ( {$11000.00} ) and Date Updated fields have changed multiple times while no payments or validation were provided, in violation of 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ). 
This conduct mirrors patterns for which TransUnion has been sanctioned in Cortez v. TransUnion LLC ( 3d Cir. 2010 ) and CFPB v. TransUnion LLC ( N.D. Ill. 2022, {$15.00} million penalty ). These continuing inaccuracies show TransUnions failure to perform a reasonable reinvestigation and maintain accurate consumer data. 

I am requesting that the CFPB reopen or escalate this case for supervisory review, compel TransUnion to produce its method of verification and reinsertion records, and direct deletion of the XXXX XXXX XXXX tradeline for non-compliance with the FCRA. 

Supporting documentation attached : XXXX ( legal summary ) TUOCT results.pdf ( TransUnion letter dated XX/XX/XXXX ) Prior TransUnion credit report excerpts showing conflicting data.

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are attached to verify my claim.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
( 15 USC 1666b ), Time to make payments on car payment account under an open end consumer car loan plan as late, for any purpose, unless the creditor has adopted reasonably procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not late then 21 days before the payment due date. * ( Chrysler Capital ) Never sent the periodic statement along with the disclosure from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and it was never provided. This is unfair, illegal, financial fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am really frustrated because the inaccurate late payments are still displayed on my credit reports as of this morning, and I have no explanation for it. They remained even after I refreshed the browser. I am asking that all the documents I submitted be closely verified immediately so I can have peace of mind.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am really frustrated because the inaccurate late payments are still displayed on my credit reports as of this morning, and I have no explanation for it. They remained even after I refreshed the browser. I am asking that all the documents I submitted be closely verified immediately so I can have peace of mind.

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 2025-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In 2019, I fully paid a debt to the original collector. Now, a company named XXXX XXXX, a debt collector, is attempting to collect the same debt again, even though it has already been paid. I provided Equifax with proof of payment, including a receipt from 2019, but Equifax did not fully investigate and continues to report the debt on my credit report. 

I am requesting that Equifax fully investigate this matter, remove the incorrect debt from my credit report, and confirm in writing that my credit report has been corrected. 

Actions taken : Disputed the debt with Equifax, providing the original receipt from 2019. 
XXXX XXXX XXXX regarding the false collection attempt. 

Amount involved : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
The interest amounts is different from what was said.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I affirm that the incorrect late payment notations on my accounts are in direct violation of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A debt from XXXX I am being sued for. I sis not get served court papers. I have received numerous wage Garnishment letters. I have spoken to the company about the multiple Garnishment attempts. First one was in XXXX or XXXX. I didn't know I could dispute or had the lawsuit until the Garnishment was served to my employer. I replied with court papers to determine what I could pay. They accepted and then everyone took the payments. In XXXX I received again new Garnishment paper work I completed documents again to let them know what could be paid. They took XXXX payment a d then returned it back. Then XXXX of this year an old employer notifies me I was being served Garnishment paperwork and they returned it because I no longer work for them. I am having trouble understanding why they are doing this. I wrote a letter in XXXX asking them to provide me information and why am I receiving the letters when I was not served and no response was received. In XXXX of XXXX when I was notified by my older employer and called Midland funding about it and all the gentleman on the phone would say is provide me a credit card to pay it in full. If I couldn't then they would reserve the Garnishment paperwork. It has been 8 almost 9 years and going back and forth with Garnishment requests is stressful and getting no response from the company is stressful for me. Also with me never being served court papers I don't understand how I can be sued and Garnishment can take place. I want copies of my signature stating I was served, original creditor application, amounts owed.

Company response to consumer: Closed with explanation