vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 file a complaint regarding multiple inaccurate and misleading entries on my credit report, which have caused me significant concern. Despite my diligent efforts to maintain accurate credit records, I have discovered several accounts and inquiries listed under my name that are either incorrect or unauthorized. 

The following items on my credit report are in dispute : XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Incorrect Address listed. 

XXXX XXXX XXXX XXXX High Balance : {$5100.00}, Date Opened : XX/XX/XXXX Listed as Late Payment. I have never made any late payment on this account. 

XXXX XXXX XXXX XXXX  High Balance : {$2600.00}, Date Opened : XX/XX/XXXX Listed as Charge Off. I have no knowledge of this account and request its immediate removal. 

XXXX XXXX XXXXXXXX XXXX High Balance : {$8400.00}, Date Opened : XX/XX/XXXX Listed as Late Payment. I have never missed any payment on this account. 

XXXX XXXX XXXX High Balance : {$8400.00}, Date Opened : XX/XX/XXXX Listed as Charge Off. I have no knowledge of this account and request its removal. 

XXXX XXXXXXXX XXXX High Balance : {$29000.00}, Date Opened : XX/XX/XXXX Listed as Late Payment. This is incorrect and must be corrected. 

XXXXXXXX XXXX XXXX XXXX High Balance : {$2900.00}, Date Opened : XX/XX/XXXX Listed as Collection. I have no knowledge of this account and request its removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple inquiries dated XX/XX/XXXX and XX/XX/XXXX. These inquiries were not authorized by me and must be removed immediately. 

These inaccuracies are damaging my creditworthiness and are unacceptable under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to : Conduct a thorough investigation into each of the disputed items listed above. 

Correct all inaccurate information and remove accounts that I have no knowledge of. 

Ensure that all unauthorized inquiries are deleted from my credit report. 

Provide confirmation once these actions have been taken. 

Please consider this matter urgent, as the continued reporting of false information significantly impacts my financial opportunities. I expect a prompt and thorough resolution. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance is reporting inaccurate and incomplete information on my credit report. The account they list as a charge-off/collection was last verified on XX/XX/year>, but the reporting shows multiple inconsistencies and missing required data. The balance reported is {$1300.00}, which is higher than the listed high balance of {$810.00}, and no documentation has been provided to explain or verify this increase. The account also shows no last payment date, no date of first delinquency, and incomplete payment history, yet it is marked payment after charge-off. The remarks Placed for collection are duplicated, and no collection agency is identified. 

Because the account contains conflicting information, missing required details, and an unverifiable balance, the reporting does not meet FCRA requirements for accuracy, completeness, or proper verification. I am requesting that this account be removed from my credit report due to being inaccurate, incomplete, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my Experian credit report, as I believe they contain incorrect or incomplete information. The details of the accounts are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}

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 2025-11-25 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 checked my credit today and found several inconsistencies. They are all listed on this report. Ive never opened these accounts or gave anyone permission to open these accounts therefore the need to be removed from all 3 credit bureaus. 
Inquiries are 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 explanation
Consumer complaint received 2025-11-25 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-25 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
i have charges on my paypal account from XXXX XXXX for virtual coins i did not purchase or authorize. I had a total of 4 charges and 3 were from XXXX XXXX that was resolved and refunded and 1 charge of {$1000.00} was through paypal and immediately left my bankofamerica account. I have opened a dispute with paypal 3 separate times and all 3 times were denied and claimed i lost the case. I reached out to XXXX through email which is not intuitive and has not helped any. Today after i saw paypal close the case again i called XXXX and reported the transaction as fraudulent. What should i do next as this has happened XX/XX/year> and still has not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the accounts listed below. I believe these accounts are inaccurately reported and request that they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Please review the following accounts for each credit bureau : Charged-Off Accounts : BXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XXXX seventh I cast a XXXX XXXX dollar money order. At huntington bank. ATM. To my knowledge, money orders are treated same as cash. My funds were not available that day. So I waited for them following Monday to find out that there was now a hole placed on my account, and my account was being closed. And I was not given access to my funds i was told I would have to wait for the bank to release my funds. It and a paper check after the check. Had already been cashed and cleared. 
And I was told that I was going to be able to withdraw my funds the following friday which will be XXXX fourteenth XXXX XXXX XXXX five.The funds were not available for withdrawal. like I was promised on that day. I expressed to the bank teller. I was dealing with that. I was facing hardship because I didn't have access to these funds. I had rent to pay and I had promised my landlord that I would have the rent payment as soon as the check cleared on that Friday. I was not able to provide my landlord with a payment on that Friday. And they proceeded to file an eviction. I went back to the bank and I begged the bank. XXXX to tell me what was going on and give me clarification on why my bank account was being closed. And why there was XXXX on my funds that should have been available same day. I deposited she could tell me nothing. Also ahead to skip several meals for me.And my children, and we are now being displaced from our home because of this. I hope and pray that no one ever has to go through. What I just went through or has to deal with the things that I'm dealing with currently because of this i am now going to be homeless..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately reporting my account as a charge-off even though I paid the full balance on XXXX XXXX XXXX. I have attached proof of the payment. 
Experian shows : Status : Paid, Closed. {$730.00} written off. 
Multiple charge-off ( CO ) notations from XX/XX/XXXX through XX/XX/XXXX Late payments and delinquency timelines tied to a supposed charge-off This is factually incorrect and violates the Fair Credit Reporting Act. 
Why this is illegal reporting : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. 
XXXX XXXX  : Accepted my full payment on XXXX XXXX XXXX Continued to report the account as a charge-off after payment Updated the charge-off status in XX/XX/XXXX, even though no charge-off occurred at that time Failed to correct the account after I disputed it Failed to provide any documentation supporting the charge-off A paid account can not continue reporting as a charge-off, and the charge-off date can not be changed or extended. 
This is inaccurate, misleading, and damaging to my credit profile.

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 2025-11-25 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Missed call from the organization at XXXX ( XXXX ) XXXX Listened to the VM requesting a call back, no name or other information provided. 
Spoke with a XXXX or XXXX XXXX when returned call, requested name of person they are seeking and the representative refused twice to provide the information before disconnecting the call

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 2025-11-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Central financial company called threatening a lawsuit and when I asked how to dispute the debt that is not mine, they hung up on me. They called my XXXX XXXX XXXX aunt harassing her to take a message for me and I had never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX I tried to log into the app. I have attempted to change my phone number with Capitalone failing to do so. Around XXXX XXXX I called crustomer support and it transferred me to XXXX call center that did not speak English I asked for an English speaking XXXX they refused finally they transferred me to a manager named Destiny? She said in order to change my phone number they had to get permission to contact my cell phone carrier to confirm my Identity or that I needed to take a selfie. Mind you I have had this account for several years and I refuse any of their requests as a total violation of constitutional privacy especially since they're selling my information to XXXX illegally. I told them I would just like to close my account and they instead hung up on me. This is unacceptable behavior from this XXXX.

Company response to consumer: Closed with explanation