vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
I am filing this complaint because several furnishers and credit bureaus are continuing to report false, incomplete, and unverifiable information on my credit reports, even after multiple formal disputes and reinvestigation requests. This behavior violates my rights under the Fair Credit Reporting Act, including FCRA 607 ( b ) ( failure to assure maximum possible accuracy ), FCRA 611 ( a ) ( 5 ) ( failure to delete unverifiable information ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ). 

Each of the following accounts has been reported with major inconsistencies that clearly show the data can not be verified or lawfully maintained : XXXX XXXX Reported with conflicting open and closed statuses, missing payment history, and unverifiable balance data. 

XXXX XXXX XXXX Account was paid and closed, yet is still reported with a negative status and inconsistent update dates. 

XXXX  XXXX XXXX Shows different charge off dates, last payment dates, and balances across bureaus. 

XXXX XXXX XXXX Contains conflicting charge off data, unverifiable payment history, and mismatched last activity dates. 

XXXX XXXX XXXX Reported with contradictory account statuses and no validation of ownership, balance, or date opened. 

XXXX XXXX Displays multiple discrepancies in charge off status, payment dates, and balances, none of which can be verified. 

XXXX XXXX XXXX XXXX XXXX Reported as a charge off with inconsistent balance and closure data and no verifiable assignment details. 

XXXX XXXX Reported with unverifiable data, missing creditor details, and inconsistent balances. 

Additionally, unauthorized inquiries were reported by XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), for which I never applied or gave written consent. This violates FCRA 604 ( a ) ( 2 ) concerning permissible purpose for credit inquiries. 

Furthermore, several personal identifiers including incorrect names, addresses, and employer information have been inaccurately associated with my file, contributing to identity confusion and potential data mismatching. 

Despite multiple dispute submissions, none of the furnishers have provided legally acceptable verification materials such as original signed agreements, complete payment histories with timestamps, or itemized statements. The continued verification of unverifiable data demonstrates willful noncompliance with FCRA and Metro 2 reporting standards, which require consistent, complete, and internally accurate information. This negligence has directly harmed my credit standing, reduced my FICO score, and caused emotional and financial distress by limiting access to fair credit and housing opportunities.

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 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Healthcare Collections, LLC
State: IL

Complaint narrative:
This debt appears to be from over two years ago, and Im unsure what it relates to or whether it is even mine. For that reason, Im not comfortable making a payment or providing my credit card information until I have more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I dispute the accuracy and completeness of multiple XXXX student-loan tradelines on my consumer file. Please conduct a full reinvestigation of the items listed below and correct or delete any information you can not verify. 
Tradelines to reinvestigate ( partial account references as they appear on my report ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Grounds : Inconsistencies in balances, dates, and account status across the consumer reporting agencies suggest the information may be inaccurate or incomplete. Under 15 U.S.C.

1681i and 1681e ( b ), TransUnion must maintain procedures to assure maximum possible accuracy.

If any item is verified, please provide a written Method of Verification ( MoV ) describing what was checked, including the furnisher name and address and the specific documents or electronic records relied upon ( see 15 U.S.C. 1681i ( 7 ) ).

Remedy requested : Delete any tradeline you can not verify as accurate and complete. 
Provide written confirmation of your reinvestigation, a copy of your MoV for any items you verified, and an updated free consumer report reflecting any corrections or deletions. 
Enclosures ( copies ) : ID, proof of address, and highlighted pages from my IdentityIQ report.

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 2025-11-10 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: IN

Complaint narrative:
I am submitting this dispute for review and resolution of the inaccuracies present on my credit report. Below are the details of the accounts I am disputing, separated by each credit bureau. 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: AL

Complaint narrative:
My husband is not on the loan its just myself but he lost his job XXXX of 2024. I contacted Planet Home direct and they suggested complete a loss mitigation package. I done this. It was denied so I processed another application that was finally approved for forbearance. When the 3 months was up I had to do another application. Long story short I have done XXXX applications and sent information after information and told them we can now make our payments. They stated I had to do yet another application and they could not accept any payment until the application was processed. They submitted the wrong income for my husband therefore the modification was denied. In the same day they denied the application and foreclosed on my home. When I call them to explain they are not using his full income they say there is not appeal going to be accepted but do another loss mitigation application. I have done this now XXXX time! They don't want to correct this. The last rep i spoke with flat out told me " there is not going to be an appeal accepted because you can not afford the payment! Which is the whole problem. They are including my husbands bills and debt but only 20 % of his monthly income. Its a no win no win with these people!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 submitting this statement to dispute the following accounts, inquiries, and late payments due to inaccuracies and/or incomplete reporting. Please investigate these items and correct any discrepancies that may exist. 
Charged-Off Accounts : XXXX XXXX XXXX Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} Late Payment : XXXXXXXX XXXX  Acct : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones credit card division. On XX/XX/XXXX, I submitted a payment of {$300.00} to my Capital One credit card account. The payment cleared my bank on XX/XX/XXXX, yet Capital One placed a 26-day hold on the funds before restoring my available credit balance. I contacted Capital Ones customer service several times, but no representative could explain a legitimate reason for the delay. The company stated this was policy, but no written policy or regulatory justification was provided. This delay appears to violate the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of XXXX and Regulation Z, XXXX, which require prompt crediting of payments received. Such extended holds unfairly restrict a consumers access to credit after a payment has cleared. I am requesting that the CFPB review this issue, require Capital One to apply payments as of the date received, and ensure the companys practices comply with federal payment crediting requirements. Attached are payment confirmation/screenshot/statement showing the payment cleared and the account still reflecting the hold.

The company did respond but did not address the 26 day hold and the fact the account still does not have an available balance with {$250.00} overpayment and proof the payment has cleared the account and not subject to being returned for nonpayment.

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CO

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 non-monetary relief
Consumer complaint received 2025-11-10 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: GA

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 2025-11-10 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-11-10 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: MD

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 explanation
Consumer complaint received 2025-11-10 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: GA

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 explanation
Consumer complaint received 2025-11-10 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:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( 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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to make a deposit into my checking account with PNC and was unable to. I went into the branch where I was notified my accounts were placed on hold. I was not and still to this day given a reason and still have not received any type of written notification by mail. XXXX and my husbands work direct deposits were sent to these accounts and after weeks of fighting we have been able to get XXXX out of the XXXX deposits withdrawn. We are being told the last account is set to close on XX/XX/XXXX then a check will be mailed in XXXX business days. This is a payroll deposit that is being withheld and it is causing severe hardship in our family not having these funds. I have been told multiple different stories by multiples different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

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 explanation
Consumer complaint received 2025-11-10 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

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

Company response to consumer: Closed with explanation