vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding an account being reported on my credit. I am requesting a full debt validation under the Fair Credit Reporting Act ( FCRA ). The furnisher has not provided proper verification, documentation with my signature, or proof that the debt is accurate, valid, and legally reportable. 
If the furnisher can not provide complete verification, I am requesting that the account be removed from my credit report. I am asking the CFPB to ensure the furnisher complies with FCRA requirements and corrects or deletes the entry if it can not be properly substantiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX INQUIRIES : XXXX - XX/XX/year> XXXX  - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please see the supporting documents about the Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX  XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX  # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Account # : XXXX ( XXXX XXXX XXXX ) This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met.

1. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency may not report information or create an account on my credit file without my written authorization, which does not exist in this case.

3. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete.

The referenced account does not meet this standard.

4. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation.

If the information can not be verified, it must be deleted immediately, which applies here.

5. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report.

If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable.

6. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met.

7. 15 U.S.C. 1681b : Permissible Purposes My credit information may only be used or reported for a legally valid permissible purpose.

This account was reported without a permissible purpose and without my authorization.

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account # XXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law.

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute.

3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions.

6. 
Legal Precedent In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law.

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute.

3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions.

6. 
Legal Precedent In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not being reported accurately. It shows late payments on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. 

I have attached a copy of my report to this complaint, showing the incorrect late payment entries on the following dates : ( late XXXX, XXXX  XXXX, XXXX ) I am now requesting that you investigate and provide verifiable proof and records showing that I made any late payments. If this information can not be verified, I am demanding that these payments be updated to paid on time immediately. 

Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not being reported accurately. It shows late payments on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. 

I have attached a copy of my report to this complaint, showing the incorrect late payment entries on the following dates : ( late XXXX, XXXX  XXXX, XXXX ) I am now requesting that you investigate and provide verifiable proof and records showing that I made any late payments. If this information can not be verified, I am demanding that these payments be updated to paid on time immediately. 

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to purchase items on the XXXX website on XX/XX/year> using XXXX. The order did not go through, and the website showed that the bank declined the transaction. However, Chase processed a completed charge of {$53.00}. There is no order record with XXXX or XXXX. I submitted disputes to both Chase and XXXX, but both were denied even though neither party can provide an order number, transaction ID, or proof of a completed purchase. I am requesting that this improper charge be refunded and that the investigation be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX To Whom It May Concern : This letter is in response to your communication dated [ Date of their communication ], regarding a debt you claim I owe. Be advised that this is not a refusal to pay, but a demand for validation made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I dispute this debt and request that you provide competent evidence to validate your claim that I have a legal obligation to pay. Until the debt is validated, you must cease all collection activities, including any reporting of this account to credit bureaus. I am requesting the following proof of debt : The name and address of the original creditor. A copy of the original contract or other instrument bearing my signature that proves my responsibility for this debt. A complete, itemized breakdown of the account, including the amount and nature of any additional interest and fees. The date the original creditor claims this debt became delinquent. Verification that this debt is within the statute of limitations for legal action in my state. Proof that you are licensed to collect debts in my state, including your license number. If you have already reported this account to any credit reporting agency, you must inform them that the debt is disputed. You may not take any further action to collect this debt until you have mailed me the verification requested above. Your cooperation in this matter is appreciated. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SLM CORPORATION
State: NC

Complaint narrative:
The companies showing unfamiliar inquiries include, but may not be limited to : XXXX XXXX XXXX  ( multiple inquiries in XX/XX/year> ) XXXX XXXX  XXXX / XXXX ( multiple inquiries in XXXX and XX/XX/year> ) Sallie Mae Bank ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( multiple inquiries in XX/XX/year> ) XXXX  ( XX/XX/year> )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Account # : XXXX ( XXXX XXXX  ) This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met.

1. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency may not report information or create an account on my credit file without my written authorization, which does not exist in this case.

3. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete. 
The referenced account does not meet this standard.

4. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation.

If the information can not be verified, it must be deleted immediately, which applies here.

5. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report.

If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable.

6. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met.

7. 15 U.S.C. 1681b : Permissible Purposes My credit information may only be used or reported for a legally valid permissible purpose. 
This account was reported without a permissible purpose and without my authorization. 

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account # XXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief