vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
To : [ Equifax / Experian / TransUnion ] Subject : Cease and Desist from Failing to Investigate and From Falsifying Credit Information Dear [ Equifax / Experian / TransUnion ], I am writing to formally demand that your agency cease and desist from continuing the following actions : 1. Failing to properly investigate the accuracy of disputed information contained in my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 611.

2. Falsifying or misrepresenting documentation, or relying on unverifiable or incorrect information during the dispute process.

Despite my prior communications requesting a reinvestigation of certain inaccurate or fraudulent entries in my credit report, your agency has either failed to comply with its legal obligations or responded with unverifiable and misleading documentation. This constitutes a willful violation of federal consumer protection laws and may be grounds for civil liability under FCRA 616 and 617. 
The following accounts remain disputed : - * * XXXX XXXX * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX 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 explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I have tried several times to get XXXX XXXX, XXXX, XXXX, and Equifax to update the account they are reporting to my credit. The balance should be {$0.00} because the account was sold to XXXX XXXX XXXX, and I paid the balance. I'm requesting XXXX XXXX to update the account or delete it from XXXX, XXXX  and Equifax. 


XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried several times to get XXXX XXXX, XXXX, TransUnion, and XXXX  to update the account they are reporting to my credit. The balance should be {$0.00} because the account was sold to XXXX XXXX XXXX, and I paid the balance. I'm requesting XXXX XXXX to update the account or delete it from XXXX, TransUnion and XXXX. 


XXXX XXXX Acct # 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 2025-07-19 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
tried calling company many times, couldnt get through, they had the wrong email. finally got ahold of someone, tried to settle wouldnt settle. asked if able to dispute, told me i couldnt dispute. no info was given to us by apartment company when we went to break our lease. they said wed only have to pay XXXX and they would email us after we turned our keys in and wed get a portal to log in and pay. none of this was done. then i saw on my credit report genesis reported debt. i called multiple times couldnt get through. when i asked the woman to send me info on dispute, she told me i cant dispute it and XXXX send me what the apartment complex sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am reporting a serious security flaw in Capital One 's online banking system. During a recent incident on XX/XX/year> at XXXX am ET, someone was able to initiate a password reset on my account and receive a one-time password ( OTP ) to a new mobile number, not previously registered with my account. 

Capital One 's online system allows a person to select use a new number for OTP delivery without verifying their identity through any trusted contact method already on file ( phone or email ). This is a major security issue and defeats the purpose of multi-factor authentication ( MFA ). 

I reported the issue through XXXX XXXX fraud and customer service teams. I also sent a formal letter to their corporate office, but they have not responded. When I requested logs of where the XXXX was sent in that particular incident, they refused to provide them and claimed my browser may have been hacked which does not explain how the XXXX was sent to a number I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following items to be in error : Under 15 u.s Code 1681b permissible of consumer reports i never gave any consent to report anything on my credit report No consent is identity theft as a consumer law these accounts must be deleted. 
XXXXXXXX XXXX XXXX  Account # : XXXX I do not believe this account is accurately reported. Provide proof that you had legal authority and my consent to report it. If not, delete it immediately. 
XXXX. XXXX XXXX XXXX Account # : XXXX You have not supplied proof of this alleged debt. Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715, 719 ), I may presume no debt exists. Delete this account. 
XXXX. XXXX XXXX XXXX Account # : XXXX As with the above, no valid proof has been provided. Under law and estoppel by silence, this account must also be removed immediately. 
Please stop reporting inaccurate information that harms my credit and send an updated report confirming these deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report CAPITAL ONE ( Bank ) XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: WA

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 non-monetary relief
Consumer complaint received 2025-07-19 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: OR

Complaint narrative:
Subject : Formal Complaint Under the Fair Credit Reporting Act Inaccurate and Outdated Credit Reporting Dear CFPB XXXX, I am writing to formally file a complaint regarding XXXX violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and outdated information on my credit report. Despite my efforts to resolve these issues through direct disputes with the relevant credit reporting agencies, no resolution has been reached. I am requesting the CFPBs assistance to enforce compliance and ensure my consumer rights are upheld. 

XXXX. XXXX XXXX XXXX TransUnion Account Number ( partially redacted ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by : TransUnion Issue XXXX This charge-off account was closed and marked for deletion by XX/XX/year>. However, as of XX/XX/year>, it is still being reported. 

Violation : 15 U.S.C. 1681c ( a ) ( 4 ) The FCRA requires credit reporting agencies to remove charge-off accounts no later than 7 years from the date of first delinquency.

UCC 1-308 Reporting a time-barred debt without disclosing it as unenforceable constitutes misleading and unconscionable reporting. 

Impact : This outdated derogatory item is harming my credit profile beyond the lawful reporting window. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Account Balance : {$120.00} Reported by : Experian only Original Creditor : XXXX XXXX Issue : The debt is only reported by Experian and lacks verifiable documentation of its legitimacy. There has been no direct contact, and I have not received a debt validation notice in accordance with federal law. 

Violation : 15 U.S.C. 1681i Experian has failed to properly investigate and verify this collection account.

15 U.S.C. 1692g ( b ) Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide written verification upon request.

UCC 1-201 ( b ) ( 20 ) No authenticated record has been provided to establish a legally enforceable claim.

I respectfully request that the Consumer Financial Protection Bureau : Initiate an investigation into TransUnion for continued reporting of an outdated charge-off account beyond the legal 7-year limit.

Investigate Experians failure to verify or validate the accuracy of the {$120.00} collection reported by XXXX XXXX XXXX. 

Require the deletion of both accounts from my credit file in accordance with FCRA and FDCPA regulations. 

Enforce appropriate penalties or corrective measures where applicable. 

These items have caused me significant distress and are impairing my creditworthiness. 
Thank you for your time and assistance in protecting my rights as a consumer. 

Sincerely, 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 2025-07-19 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: NV

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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-07-19 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: NV

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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( 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 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 Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXXXXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding the inaccurate reporting of my federal student loans. The information being reported by XXXX XXXX XXXX does not reflect the current status of my loans. 

I have attempted to resolve this with the loan servicer directly but have not received a correction or resolution. This inaccurate reporting is causing harm to my credit profile and is not in compliance with the Fair Credit Reporting Act ( FCRA ). 

I request that this be investigated and corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am submitting a complaint regarding the inaccurate reporting of my federal student loans. The information being reported by XXXX XXXX XXXX does not reflect the current status of my loans. 

I have attempted to resolve this with the loan servicer directly but have not received a correction or resolution. This inaccurate reporting is causing harm to my credit profile and is not in compliance with the Fair Credit Reporting Act ( FCRA ). 

I request that this be investigated and corrected 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding the inaccurate reporting of my federal student loans. The information being reported by XXXX XXXX XXXXXXXX does not reflect the current status of my loans. 

I have attempted to resolve this with the loan servicer directly but have not received a correction or resolution. This inaccurate reporting is causing harm to my credit profile and is not in compliance with the Fair Credit Reporting Act ( FCRA ). 

I request that this be investigated and corrected 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute an item on my credit report that I believe contains inaccurate information. I request an investigation into the following account : Account Name : I C system Disputed Amount : {$1000.00} Date of Charge : XX/XX/year> The reason for my dispute is The charge is incorrect.

I request that this inaccurate information be investigated and removed from my credit report. Please inform me of the outcome of your investigation, as well as any necessary adjustments made to my credit report.

Thank you for your prompt attention to this matter.

Sincerely, 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