vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I filed XXXX XXXX  bankruptcy on Monday, XX/XX/year>. The purpose was to stop a pending foreclosure on my property. In the filing listed a sole creditor, my mortgage holder. As a result of this filing, Capital One restricted/canceled XXXX credit cards I had with them - even though XXXX card had a {$220.00} balance ( out of {$1100.00} ) and the other card had a XXXX balance out of {$500.00} available. Capital One indicated that it was their policy to do that with any bankruptcy filing. They refused to share that policy with me in writing and also refused to provide me with an appeal process. I explained to them that XXXX XXXX was a reorganization of debt, and I also pointed out I did not include them as a creditor. They refused to do anything about this. Capital One is headquartered in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: OH

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
This is a follow-up complaint regarding XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc.
State: SC

Complaint narrative:
[ Event Description ] ( Case numbers listed with respective screenshots. ) - XXXX XXXX : Attempted refund on XX/XX/XXXX, received refund on XX/XX/XXXX. 
- On XX/XX/XXXX contacted support ( XXXX ) regarding XXXX XXXX XXXX error. 
- On XX/XX/XXXX contacted again ( XXXX ) and was told to wait a XXXX hour period without purchasing, which I complied with. No resolution. 
- On XX/XX/XXXX ( XXXX ) I was told to wait XXXX to XXXX minutes for the resolution. No resolution. 
- On XX/XX/XXXX ( XXXX ) I was told the same thing. 
- On XX/XX/XXXX ( XXXX ) I was told to wait XXXX hours without purchase. I did this. No resolution. 
- Through XX/XX/XXXX up until now, I have received multiple support messages on the same substance without resolution. 
- The given case in response to XXXXCFPB filed complaints ( XXXX ) has been lacking urgency and resolution. On XX/XX/XXXX I was told the issue would be resolved within XXXX hours. It was not. I now receive responses saying the issue is being investigated, and that I will be updated frequently, which has not happened. I only receive responses upon sending multiple emails back. 
- On XX/XX/XXXX I received a cease of contact from the XXXX support team.

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 2025-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Formal Dispute Improper Bankruptcy Reporting/ Violation of 15 U.S.C. 1681a ( 4 ) Dear Credit Reporting Agency Representative, I, XXXX XXXX XXXX XXXX, am submitting this formal written dispute regarding the bankruptcy information being reported on my credit file. The inclusion of this data constitutes a violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C.

1681a ( 4 ) as it falls outside the lawful definition and permissible scope of what can be communicated within a consumer report.

LEGAL GROUNDS 15 U.S.C. 1681a ( 4 ) : Under 1681a ( 4 ), a consumer report may only include accurate, verified, and lawfully obtained information bearing on a consumers credit worthiness, credit standing, or credit capacity used strictly for permissible purposes under 1681b. 
The reporting of bankruptcy records often pulled from third-party databases or outdated public record systems does not meet this standard when : The information can not be independently verified with the originating court ; The data is outdated, incomplete, or inaccurate ; Or the data was not obtained directly through a permissible or verifiable method under the FCRA. 
Therefore, the continued inclusion of such data on my credit file is an unlawful disclosure of personal and private information, and a violation of my privacy rights under federal law. 
VIOLATION SUMMARY : The bankruptcy reporting currently listed on my credit file : Violates the accuracy and verification requirements of 15 U.S.C. 1681i and 1681e ( b ) ; Exceeds the lawful scope of a consumer report under 1681a ( 4 ) ; Constitutes an unauthorized invasion of my financial privacy under 1681b ; And is causing ongoing and unjustified harm to my reputation and creditworthiness. 
DEMAND FOR IMMEDIATE ACTION : I am demanding that your agency : 1. Immediately delete any and all bankruptcy information from my credit file that can not be verified directly with the reporting court and validated under FCRA guidelines ; 2. Provide a written response confirming deletion within 30 days, as required under 1681i ; 3. Cease any further publication, sharing, or sale of this information ; and 4. Provide documentation verifying the lawful source, method, and permissible purpose used to obtain this bankruptcy information if any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Formal Dispute Improper Bankruptcy Reporting/ Violation of 15 U.S.C. 1681a ( 4 ) Dear Credit Reporting Agency Representative, I, XXXX XXXX XXXX XXXX, am submitting this formal written dispute regarding the bankruptcy information being reported on my credit file. The inclusion of this data constitutes a violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C.

1681a ( 4 ) as it falls outside the lawful definition and permissible scope of what can be communicated within a consumer report.

LEGAL GROUNDS 15 U.S.C. 1681a ( 4 ) : Under 1681a ( 4 ), a consumer report may only include accurate, verified, and lawfully obtained information bearing on a consumers credit worthiness, credit standing, or credit capacity used strictly for permissible purposes under 1681b. 
The reporting of bankruptcy records often pulled from third-party databases or outdated public record systems does not meet this standard when : The information can not be independently verified with the originating court ; The data is outdated, incomplete, or inaccurate ; Or the data was not obtained directly through a permissible or verifiable method under the FCRA. 
Therefore, the continued inclusion of such data on my credit file is an unlawful disclosure of personal and private information, and a violation of my privacy rights under federal law. 
VIOLATION SUMMARY : The bankruptcy reporting currently listed on my credit file : Violates the accuracy and verification requirements of 15 U.S.C. 1681i and 1681e ( b ) ; Exceeds the lawful scope of a consumer report under 1681a ( 4 ) ; Constitutes an unauthorized invasion of my financial privacy under 1681b ; And is causing ongoing and unjustified harm to my reputation and creditworthiness. 
DEMAND FOR IMMEDIATE ACTION : I am demanding that your agency : 1. Immediately delete any and all bankruptcy information from my credit file that can not be verified directly with the reporting court and validated under FCRA guidelines ; 2. Provide a written response confirming deletion within 30 days, as required under 1681i ; 3. Cease any further publication, sharing, or sale of this information ; and 4. Provide documentation verifying the lawful source, method, and permissible purpose used to obtain this bankruptcy information if any.

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 2025-10-29 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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

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 2025-10-29 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request a credit freeze ( security freeze ) be placed on my credit file. This request is made under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please take the necessary steps to prevent the release of my credit information or the opening of any new credit accounts in my name without my explicit authorization.

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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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 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 2025-10-29 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: IL

Complaint narrative:
Equifax Reporting False Charge-Offs and Failing to Properly Investigate ( FCRA Violations ) I am filing this complaint because Equifax is reporting false and inaccurate charge-off accounts on my credit file, even though I have no charge-offs.

I have disputed these inaccuracies multiple times, yet Equifax has failed to conduct a proper investigation as required by federal law. 
Instead, they continue to report these accounts as verified without providing any documentation or proof from the creditor. 

This conduct violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S.C. 1681n & 1681o Civil liability for willful or negligent non-compliance with the FCRA. 

The inaccurate accountssuch as those reported by [ XXXX XXXX / XXXX XXXX /are being shown as charge-offs when no such status exists. I also have no late fees or any charge offs. 
Equifaxs continued reporting of these false charge-offs has harmed my credit score, limited my access to credit, and caused ongoing financial and emotional distress. 

Additionally, the Consumer Financial Protection Bureau fined Equifax {$15.00} XXXX in XX/XX/year> for these same issues : failing to properly investigate consumer disputes, reporting inaccurate data, and violating the FCRA. 
The same pattern of misconduct is now affecting me personally.

I am requesting that the CFPB : 1. Investigate Equifaxs failure to reasonably reinvestigate my disputes under 1681i ( a ) ; 2. Require Equifax to immediately delete or correct all false charge-off information ; 3. Hold Equifax accountable for ongoing non-compliance with federal consumer-protection laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I am disputing and requesting verification of the following accounts that are appearing on my credit file. These accounts are reported as charged-off but I have not received a XXXX which is legally required under 26 USC 6050XXXX for any canceled or forgiven debt above {$600.00}. There is no proof that these debts were actually canceled or lawfully collectible. 
Violations include : FCRA 602 ( a ) maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate info FCRA 611 ( a ) failure to conduct a reasonable investigation Metro 2 code Violations : Failing to correctly update the Account Status Codes ( 62, 93, or 97 ) and Special Comment Codes to reflect a sold/closed status ; Inaccurately reporting the Date of First Delinquency and maintaining collection status beyond permitted timelines ; Continuing to report collection activity without substantiating ownership or cancellation documentation. 
Requested Documentation ( CREDITORS ) NEVER PROVIDED! 
~A copy of the original signed contract or agreement creating the alleged debt ; ~A complete payment history from the original creditor to date of assignment or sale ; ~Documentation showing the chain of custody or ownership of the account ; ~Proof of debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) ; and ~Any IRS Form XXXX that was filed with the IRS and sent to 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 explanation