vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
Equifax has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Equifax has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-25 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:
To Whom It May Concern, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies and harmful reporting on my credit file. These errors are severely damaging my credit profile and do not reflect accurate or verifiable information. 

XXXX. Incorrect Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are not associated with me. Their continued reporting creates confusion and the appearance of fraudulent activity. 

XXXX. XXXX XXXX Accounts Reporting Late Payments ( Unverified & Inaccurate ) XXXX XXXX Acct # XXXX High Balance {$2100.00}, Date Opened XX/XX/XXXX Reported Late Payments XXXX XXXXXXXX Acct # XXXX High Balance {$1700.00}, Date Opened XX/XX/XXXX Reported Late Payments These accounts are reporting late payments inaccurately. I dispute the validity and accuracy of these derogatory notations and demand proper verification. 

XXXX. XXXX XXXX XXXX  Account Improper Charge-Off XXXX  XXXX XXXX  Acct # XXXX High Balance {$21000.00}, Date Opened XX/XX/XXXX Reported as Charge-Off This account is reported as a charge-off without providing proper validation or lawful documentation. I dispute this as inaccurate, unverifiable, and damaging. 

XXXX. Improper and Excessive Inquiries The following hard inquiries are unauthorized, inaccurate, or should no longer remain on my file : 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 I did not authorize these inquiries, and they are negatively impacting my creditworthiness. 

Requested Resolution I respectfully demand the following corrective actions under the FCRA : Immediate deletion of the wrong addresses listed above. 

Full investigation and removal or correction of inaccurate late payment notations on the XXXX XXXX accounts. 

Complete removal of the XXXX XXXX XXXX charge-off unless the furnisher provides lawful, verifiable proof of accuracy. 

Deletion of the unauthorized and inaccurate hard inquiries listed. 

Written confirmation of all corrective actions taken.

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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc.
State: MI

Complaint narrative:
Charged my bank account countless times for a membership I do not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX, GA XXXX Equifax Subject XXXX Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my FTC identity theft report ( FTC REPORT NUMBER : [ XXXX ] ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. 

The information on my credit report is the result of identity theft and should be blocked immediately. 
I do not recognize the account ( s ) in question. The account ( s ) were not opened, made, or initiated by me. The aforementioned account ( s ) is/are a result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that the aforementioned consumer credit account ( s ) is/are a result of identity theft and fraud.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent items from my credit report : FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. [ XXXX XXXX XXXX XXXX ] - [ Account # XXXX ] open date XX/XX/XXXX XXXX. [ XXXX XXXX XXXX ] [ Account # XXXX ] Open date XX/XX/XXXX XXXX. [ XXXX XXXX ] - [ account # XXXX ] [ open date XX/XX/XXXX ] XXXX. [ XXXX XXXX XXXX  ] [ account # [ XXXX ] [ open date XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
This is a formal complaint against TRANSUNION regarding the continued reporting of inaccurate, unverifiable, and unauthorized information on my consumer credit file. These actions violate the Fair Credit Reporting Act ( FCRA ), Florida State laws, U.S. Federal laws, and other applicable statutes.

VIOLATIONS UNDER FEDERAL LAW FCRA 1681e ( b ) : TRANSUNION failed to maintain reasonable procedures to assure maximum possible accuracy by publishing unverifiable late payments, charge-offs, and collection entries.

FCRA 1681i ( a ) : Failure to conduct proper reinvestigations has resulted in the continued reporting of disputed information.

FCRA 1681s-2 ( b ) : Furnishers and TRANSUNION have not corrected or removed data that could not be verified.

FCRA 1681b ( f ) : Unauthorized hard inquiries were published without a permissible purpose, constituting unlawful access to my consumer file. 

Unfair and Deceptive Practices ( Federal UDAP ) : Misreporting accounts and maintaining unauthorized inquiries constitute deceptive and unfair practices that cause consumer harm.

VIOLATIONS UNDER FLORIDA STATE LAW Florida Deceptive and Unfair Trade Practices Act ( FDUTPA, Fla. Stat. 501.201 et seq. ) : By publishing false and misleading credit data, TRANSUNION engaged in unfair and deceptive acts against a Florida consumer.

Florida Consumer Collection Practices Act ( FCCPA, Fla. Stat. 559.55 et seq. ) : Inaccurate collections and misrepresentations of debt constitute violations of Floridas consumer protection framework.

Defamation & Negligence ( Florida Common Law ) : The publication of false derogatory credit data and unauthorized inquiries constitutes negligence and credit defamation, causing financial and reputational harm. 

SPECIFIC ACCOUNTS OF CONCERN XXXX XXXX Reported with XXXX late payments not properly substantiated. 

XXXX  Reported with XX/XX/XXXX XXXX lates, past due balances, and credit line suspension, without verification. 

XXXX XXXX XXXX XXXX  Reported with multiple late marks ( XX/XX/XXXX days ) and past due balances, despite prior disputes. 

XXXX XXXX Listed as a collection account ( {$270.00} ) marked as disputed, but still unlawfully maintained. 

XXXX XXXX ( Original Creditor : XXXX XXXX. ) Listed as a collection account ( {$420.00} ) with no proper validation. 

UNAUTHORIZED INQUIRIES The following hard inquiries were not authorized by me and represent unlawful access to my consumer credit file in violation of FCRA 1681b ( f ) and Florida law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
I want to be clear : this complaint is not a mistake. My credit report contains inaccurate information that is harming my credit and must be corrected.

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 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
A medical collection account from Medical Data Systems Inc was placed on my XXXX credit report. The account is inaccurate, unverifiable, and reported in violation of federal law. Medical collections are subject to removal under the CFPB 2022 rule changes and continued reporting is illegal. XXXX  has failed to validate this debt as required by FCRA 609 & 611, yet continues to publish it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting an urgent complaint regarding Capital One and XXXX  for inaccurate credit reporting, poor account management, and failure to provide proper customer service. 

XXXX. False Derogatory Reporting My Capital One secured credit card ( ending in [ XXXX ] ) is open and in good standing. Capital Ones own system ( screenshot attached from the Capital One app ) shows the account as active with a balance of {$130.00} and available credit of {$160.00}. My TransUnion consumer disclosure ( via XXXX XXXX, screenshot attached ) also shows the account as In good standing. 

However, when I contacted XXXX  on XX/XX/year>, their representative informed me that in their internal system this account is coded as derogatory. This is materially false and misleading. Because of this inaccurate derogatory coding, my recent auto loan application with XXXX XXXX XXXX XXXX was denied ( denial screenshot attached ). This is clear financial harm caused by inaccurate reporting. 

XXXX. Customer Service Issues When I contacted Capital One directly to correct this error, their representative was argumentative and dismissive instead of addressing the problem. This demonstrates a lack of good-faith effort to comply with the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Increase Credit Limit After a Year Additionally, I have held this secured credit card for over a year with consistent activity and responsible use. Capital One has failed to review my account for a credit limit increase or graduation, despite marketing materials suggesting this review would occur. This adds to the pattern of unfair account management. 

FCRA Violations Under the FCRA ( 15 U.S.C. 1681s-2 and 607 ( b ) ), furnishers like Capital One must report accurately, and CRAs like TransUnion must ensure maximum possible accuracy. At least one of these parties is failing their duty, and I am being harmed as a result. 

Requested Resolution I request that CFPB require Capital One and XXXX  to : XXXX. Immediately correct the derogatory coding and accurately reflect my Capital One account as Open/ In good standing. 
XXXX. Provide written confirmation that the error has been corrected. 
XXXX Review my secured card for a credit limit increase as promised. 
XXXX. Address the poor customer service I experienced when raising this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
False and inaccurate addresses shown on my background report submitted by First advantage to XXXX XXXX on XX/XX/XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
: I disputed this debt pursuant to 15 U.S.C. 1692g, and the company failed to provide proper validation or remove the account ) .CFPB Complaint Statement ( Debt Collector ) > I am disputing an alleged debt being reported/collected by [ LVNV/RESURGENT ]. 

Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I sent a certified written demand for full validation of this debt. The company has either failed to provide proper validation ( original signed contract, complete accounting, proof of assignment, and license to collect in my state ) or attempted to respond with insufficient documents ( internal statements/printouts ).

Despite this, the company has continued collection activity and/or reported the account to the credit bureaus. This is a violation of the FDCPA and of my consumer rights.

I am requesting that the CFPB require this company to : 1. Provide full, lawful validation of the alleged debt as required under 15 U.S.C. 1692g, OR 2. Permanently cease all collection activity and delete all references to this account from my credit reports with XXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I have discovered multiple accounts being reported in my name that I did not open, authorize, or manage. I do not recognize the listed creditors, and I never gave permission for anyone to report these accounts under my identity. This inaccurate reporting misrepresents my financial history, has harmed my credit standing, and caused me significant concern and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am filing this complaint against [ Name of Credit Reporting Agency/Creditor ] for reporting false and inaccurate information on my consumer credit file. These errors are severely damaging my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts contain erroneous and misleading information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This is not, and has never been, my residential address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX Wrong Address This is also not my residence. I have no connection to this address. 

XXXX XXXX Account # XXXX Late Payment Reported High Balance : {$1700.00} Date Opened : XX/XX/year> This account is being inaccurately reported with late payments. These late payments are erroneous and must be immediately removed. 

These false addresses and inaccurate late payment reporting are serious violations of my rights under the FCRA because : They do not reflect accurate consumer information. 

They create misleading and damaging representations of my creditworthiness. 

They have already caused me financial harm, including credit denials and higher interest rates. 

I am demanding the following corrective action : Immediate deletion of all inaccurate addresses ( XXXXXXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX ). 

Removal or correction of all inaccurate late payment notations related to XXXX XXXX account # XXXX. 

A written confirmation of these corrections within 30 days as required by federal law. 

If these errors are not investigated and corrected, I will escalate this matter further, including seeking legal remedies for willful noncompliance under the FCRA.

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 2025-09-25 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: AL

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