vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
I am asking that there be some sort of accountability from the credit bureau for reporting this inaccurate information on my credit report. I've questioned the accounts on my credit report and I am requesting that the credit bureau effectively request the proper documentation opposed to receiving a generic answer supplying a verified confirmation opposed to looking over the proper documents in order for these accounts to report. I have no idea why the information is different amongst credit reports and this is unfair to me as a consumer. I am requesting the CFPB hold you accountable for the lacking supporting documents to represent my concerns. I'm about to be very specific. I am not stating that these accounts do not belong to me so do not state " we verified this account belongs to you. '' I have specific concerns about these accounts. Here are my concerns : XXXX : Account number : XXXX, The late payments are consecutively reporting incorrectly. Update the late payments to paid on time. 
XXXX  XXXX : Account number : XXXX, The late payments are consecutively reporting incorrectly. Update the late payments to paid on time. 
XXXX  XXXX : Account number : XXXX, The reported balance is inaccurate. Provide the proper documentation validating this account reporting. without proper documentation it must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information in Credit Report Re : XXXX XXXX  Account ending in XXXX / XXXX I am writing to formally dispute the information listed on my credit report regarding an account from XXXX XXXX. 

The item appears on my report as a charged-off account with a balance of {$1800.00}, account opened on XX/XX/XXXX, and last updated XX/XX/XXXX. I am disputing this account on the basis that the information is either inaccurate or unverifiable, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ).

I am requesting the following : A full reinvestigation of the accounts accuracy. 
A request for verification of the debt from XXXX XXXX. 
If verification can not be obtained, I request that the information be corrected or removed from my credit report immediately. 

Enclosed are copies of my credit report with the item highlighted for your reference. 

Please respond to this dispute within the XXXX timeframe as required by law. If you require additional documentation or information from me, please contact me at the details listed above. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting completely incorrect information on my credit report, while TransUnion and Equifax are both accurate and updated. My Experian credit score has dropped drastically due to these errors, and its now hurting my ability to apply for housing and improve my credit. 
XXXX. XXXX XXXX XXXX Issue : I paid my XXXX XXXX card down to {$55.00} on the XXXX of the month, and the account normally reports to the credit bureaus on the XXXX. Despite this, Experian is reporting a balance of {$450.00}, which is not only incorrect but appears to have been pulled from a random date instead of the actual reporting cycle. 
I never missed a payment, and this misreporting is making it look like Im not paying my card, which is false and damaging. 
2. XXXX XXXX XXXX : I was previously an authorized user on a XXXX card that I have since been removed from. TransUnion and Equifax have already removed the XXXX card from my report, but Experian still has it listed, which is incorrect and outdated. I called Experian to request its removal, and they confirmed a dispute was started but nothing has been corrected. 
3. Dispute Mishandling : When I called to fix the XXXX XXXX error, I never asked for the account to be deleted only for the balance to be updated to reflect the accurate {$55.00} payment. Instead, the dispute says I requested XXXX XXXX to be removed, which I did not. This is not only a mishandling of my dispute, its completely misrepresenting what I asked for. Experian and now Equifax are reporting inaccurate and damaging information on my credit reports while XXXX is the only bureau currently reporting correctly. 

XXXX XXXX Issue ( Affects Experian and Equifax ) : I always pay my XXXX XXXX card on time. My due date is the XXXX of each month, and the reporting date is the XXXX. 
I paid my XXXX XXXX balance down to {$55.00} on XX/XX/XXXX. 
However, Experian reported it as {$450.00}, which is false. 
Equifax has now done the same thing, reporting my current balance even though the due date hasnt even passed ( today is XX/XX/XXXX ). 
Theyre both reporting whatever the balance is right now, instead of waiting for the actual reporting date, and its making it look like I dont pay my card which is untrue and unfair. 

This is seriously damaging my credit scores. Experian dropped my score to XXXX, and now Equifax is dropping mine too, even though Ive paid responsibly.

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 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted a fraud dispute to Capital One on XX/XX/year> regarding unauthorized transactions on my account. As of today, it has been more than XXXX business days since the claim was submitted. According to Regulation E ( 12 CFR 1005.11 ), Capital One is required to issue a provisional credit within XXXX business days of receiving notice of the error if the investigation is not yet completed. Despite this, I have not received any provisional credit. 



I contacted Capital One customer service and asked both the representative and the supervisor why the credit had not been issued. I also requested that they provide a written or secure message explaining the delay. Both the representative and the supervisor refused to provide any documentation or formal explanation, stating they were not able to send a message regarding the dispute status. 



This lack of transparency and refusal to comply with Regulation E is unacceptable. The delay in issuing provisional credit is causing me financial hardship, and the refusal to document the reasoning is a violation of my consumer rights. I am requesting the immediate issuance of the provisional credit I am legally entitled to under federal law.

Please investigate this matter and ensure Capital One complies with federal regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
RE : Formal Debt Validation Demand under 15 U.S.C. 1692g and 15 U.S.C. 1681 et seq. 
Account # : XXXX Alleged Balance : {$4500.00} Original Creditor : XXXX XXXX XXXX XXXX This is a formal and legally binding demand for validation of an alleged debt Sunrise claim is owed by me and which is now being inaccurately reported to the consumer reporting agencies. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ], the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], and XXXX XXXX XXXX XXXX XXXX. 

You are hereby directed to immediately provide the following without delay : A full itemized accounting and complete debt validation package, including : A copy of the original application and contract bearing my wet ink signature proving that I agreed to and am obligated to this alleged debt ; Proof that XXXX XXXX XXXX XXXX legally assigned or sold this debt to Sunrise Credit Services ; A complete payment history and amortization schedule ; The name and address of the original creditor and any subsequent debt owners ; Proof of legal authority to collect this debt in the state of Alabama, including : A copy of your current state license and bonding information with the Alabama State Department of Financial Institutions ; Proof of compliance with all state and federal debt collection laws ; Immediate explanation and correction of the following violations : You are reporting this account with a past due balance on a collection account, which violates XXXX XXXX standards, as collections are never to show past due amounts ; You are furnishing unverified and inaccurate information to XXXX, XXXX, and/or XXXX  in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] the duty to ensure maximum accuracy ; You have failed to identify this account as disputed, violating FCRA 623 ( a ) ( 3 ) and XXXX XXXX dispute code guidelines ( CP/XB ) ; I never gave Sunrise Credit Services consent to furnish any information about me to consumer reporting agencies, and any reporting done without my prior consent violates FCRA 1681b Permissible Purpose. 

Due to your unauthorized reporting and failure to comply with lawful validation procedures, I have suffered : Reputational harm, Denials of credit opportunities, Documented emotional distress, Inability to secure alternative financing due to your inaccurate derogatory furnishing.

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On Thursday XX/XX/XXXX, I received a call from XXXX. The female asked to speak to XXXX, I asked who this was and she stated " This is Midland Credit Management. '' I would not give them, but it is NOT XXXX. She disconnected the call. The caller had a heavy XXXX or XXXX accent. 

Today, XX/XX/XXXX at approximately XXXX I received a call from XXXX, and the gentleman, who also had a heavy XXXX or XXXX  accent. He also asked for XXXX, and wanted to verify who I was. I did not give them any information, and requested who they were, He stated " MCM '' and I had him clarify that it is Midland Credit Management. I asked where they were located and he informed me that he is not able to provide any information until I verify my identity. I did not verify anything with them. 

I then looked up Midland Credit Management online, and found a contact number of XXXX. This number was in their complaints section, and when I called, what sounded like the same male answered the phone. I informed him to remove my number from their system and do not contact it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX WHEN I APPLIED FOR A SPECIFIC INSTRUMENT TO HELP ME IN MY QUEST TO ACCESS MY $ XXXX XXXX XXXX two inexperienced intake employees of NFCU set me up with 2 incorrect and different instruments and took the liberty of doing 2 specific hard pulls or inquires on my CREDIT REPORT .. FURTHER PENALIZING MY EFFORTS SOME ONE SHOULD HAVE PICKED THIS UP @ NFCU and I also missed it until XX/XX/XXXX when XXXX XXXX XXXX ( a 20 year ex-XXXX XXXX  POINTED IT OUT TO ME ( thank you XXXX ) . Please help rectify this grievous NFCU ERROR OF HIGH MAGNITUDE.XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, I received funds on XXXX. My account was verified and I have never received money prior to this day, this is my first time using the platform to receive funds. After I received the funds, I was unable to do an instant transfer of the funds to my debit card. I was given an error that said, Sorry, this transfer can not be completed. I kept trying to transfer my money to my debit card but I kept getting the same error. I contacted the support team and I was told that, In some cases, we won't be able to initiate the Instant Transfer. and We're not given with the specific reason for why declines like this happen, it's typically for the safety of our customers. I'm sorry, we're given with the exact reason, it's showing declined by our automated system. and that there was no hold on my account, and to try again later or do a standard transfer. This is alarming. Why is my account being blocked/flagged by the system for no apparent reason that can be fixed? I did not want to do a standard transfer because my money will be held for 3 days which is very inconvenient. On XX/XX/XXXX, I try to transfer my money to my debit card again, still I get the same error on my screen that the transfer can not be made. I contacted support again, I received the same response I received yesterday with no solution besides to use the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
I've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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 filing this formal complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

On XX/XX/year>, I submitted a dispute regarding several accounts on my credit report, along with my government-issued ID and utility bill. Despite my clear documentation and repeated follow-ups, TransUnion failed to conduct a lawful reinvestigation and instead responded with a generic verified status without providing any supporting evidence. 



Specific Violations and Issues : Failure to provide proper reinvestigation procedures ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : TransUnion has not described the procedure used in the reinvestigation of my disputes, nor have they provided copies of any documents reviewed.

Failure to forward all relevant information to furnishers ( FCRA 1681i ( a ) ( 2 ) ( A ) ) : I submitted substantial supporting documents, but there is no evidence these were forwarded to the data furnishers as required by law.

Continued reporting of inaccurate and unverified information ( FCRA 1681e ( b ) ) : TransUnion continues to report multiple accounts without providing documentary proof of their accuracy.

Failure to remove obsolete account ( FCRA 1681c ( a ) ( 4 ) ) : The XXXX XXXX XXXX XXXX account ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  ) is over seven years from the date of first delinquency and must be automatically deleted. TransUnion has failed to do so.

Reporting incorrect personal information : My credit report contains addresses that do not belong to me : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX correct address is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. 

Disputed Accounts XXXX XXXX XXXXXXXX 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

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 2025-07-05 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: CL Holdings LLC
State: OH

Complaint narrative:
I am filing this formal complaint against Jefferson Capital Systems for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681 et seq., specifically 1681e ( b ), 1681s-2 ( a ), and 1681i ( a ). 
Jefferson Capital Systems is reporting a collection account allegedly opened on XX/XX/year>, with an original balance of {$3500.00}. However, I have never received any communication, verification of debt, or validation letter as required under federal law. No written notice was sent, and I was never given a meaningful opportunity to dispute this debt within 30 days of initial contact, which is a direct violation of the FDCPA and FCRA. 
The company has continued to report this account as in " collection '' month after month without substantiating the validity of the debt. This ongoing monthly derogatory reporting without verifying the debt violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which prohibits furnishing information known to be inaccurate or unverified.

Furthermore, under 1681e ( b ), furnishers and CRAs must ensure maximum possible accuracy of consumer information. The fact that this debt is still reporting without any substantiation reflects failure to use reasonable procedures to ensure accuracy. I also assert my rights under 1681i ( a ), having disputed the account with the CRAs without receiving an adequate investigation or correction.

Jefferson Capital 's reporting practices are not only deceptive and unfair but appear willfully negligent and intended to harm my credit reputation. I demand the CFPB take immediate action to investigate and compel Jefferson Capital Systems to : 1. Provide full validation and proof of debt ownership and communication attempts ; 2. Remove the account entirely if no such documentation exists ; 3. Cease and desist from reporting unverifiable and damaging information.

Their actions have caused financial harm, credit denials, and emotional distress. I request full enforcement of all penalties under the FCRA for negligent and/or willful violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Describe what happened : In XX/XX/year>, I noticed that my name was reported incorrectly by two credit reporting agencies, which is affecting my ability to apply for new credit products. 

At TransUnion, my name appears incorrectly as XXXX XXXX XXXX instead of my full legal name. 
I contacted TransUnion customer service by phone in XX/XX/year>. 
The representative advised me to mail supporting documents ( such as my government-issued ID and passport ) to correct my credit file. 
I have since gathered these documents and prepared them for mailing. 
At Equifax, the error is worse : my name is listed as XXXX XXXX. 
In XX/XX/year>, I contacted Equifax customer service via their messaging service. 
They took photos of my ID and face through that service. 
They also advised me to mail copies of my driver 's license, Social Security card, and FTC identity confirmation to finalize the correction. 
These incorrect names were reported by the companies and now appear in my credit reports, which is negatively affecting my credit applications. 

I respectfully request that my name be corrected and updated to my full legal name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation