vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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:
The bureaus are willfully complicit in aiding in fraud by reporting inaccurate information that I never consented to. They have not produced sufficient documentation including original signed contracts and itemized billing records violating these law codes : * * 15 U.S.C. 1681b * * You may not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose.

* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with 15 U.S.C. 1681eb * * * 15 U.S.C. 1681s-2 ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as XXXX XXXX accurate.

* * 15 U.S.C. 1681i * * You are required to complete an investigation within * * XXXX  days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *. 

* * 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must block the information within XXXX business days and stop reporting it to third parties. 

* * 15 U.S.C. 1681s-2 ( a ) ( 6 ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft.

* Once I send ID theft report, you must stop furnishing that information to CRAs.

Also in accordance with 15 U.S.C. 1681e ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file.

* Reporting fraudulent accounts is a failure of reasonable procedures. 
* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly. 
XXXX. FCRA 609 ( 15 USC 1681g ) Right to Access Information- didnt disclose source Failure to comply within 15 days of receipt of this letter will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney Generals Office, and I will consider civil legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

They are willfully complicit in fraud because I have disputed this before and these fraudulent items are still reporting despite proper documentation being available to them for 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 non-monetary relief
Consumer complaint received 2025-10-08 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 submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Subject : Follow-Up CFPB Dispute Failure of Equifax to Properly Reinvestigate and Verify Inaccurate Accounts Dear Consumer Financial Protection Bureau , I am submitting this follow-up complaint regarding Equifaxs inadequate investigation of several disputed accounts. 
Equifaxs XX/XX/year> response states that it verified certain accounts but provided no supporting documentation or verifiable proof from the furnishers as required by the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ). 
Merely claiming verified status without furnishing physical validation does not constitute compliance with the FCRAs requirement for a reasonable reinvestigation. 

Accounts Still in Dispute XXXX. XXXX XXXX XXXX XXXX Equifax stated the account belongs to you but failed to provide signed documentation or a valid contract of obligation. 

Modified fields : Scheduled Payment, Actual Payment, Additional Information, Account History. 

Without proper proof of liability or verification from the original creditor, this entry remains unverifiable. 

XXXX. XXXX XXXX XXXX XXXX XXXX 

Reported as verified but no furnisher documents were produced. 

Equifax can not lawfully continue reporting without actual evidence of the accounts accuracy. 

XXXX XXXXXXXX XXXX XXXX  Equifax states this account is reported correctly, yet it contains inconsistent dates for charge-off amounts and delinquency dates. 

No itemized proof or contract was provided to support the continued reporting. 

XXXX. XXXX. XXXX XXXX ( Collection Account ) Equifax claims it verified this item belongs to you, but did not supply a validation of the debt under FCRA 611 and FDCPA 809 ( b ). 

This account should be removed until the collector produces written proof bearing my signature and the original credit contract. 

Basis of Follow-Up Dispute Equifaxs response admits that it transmits disputes electronically to the furnisher, relying on the same unverified data rather than conducting an independent investigation. 
This violates the requirement for a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ).

Equifax also failed to provide the names and addresses of the specific furnishers contacted, as required by 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Follow-Up CFPB Dispute Failure of Equifax to Properly Reinvestigate and Verify Inaccurate Accounts Dear Consumer Financial Protection Bureau , I am submitting this follow-up complaint regarding Equifaxs inadequate investigation of several disputed accounts. 
Equifaxs XX/XX/year> response states that it verified certain accounts but provided no supporting documentation or verifiable proof from the furnishers as required by the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ). 
Merely claiming verified status without furnishing physical validation does not constitute compliance with the FCRAs requirement for a reasonable reinvestigation. 

Accounts Still in Dispute XXXX. XXXX XXXX XXXX XXXX Equifax stated the account belongs to you but failed to provide signed documentation or a valid contract of obligation. 

Modified fields : Scheduled Payment, Actual Payment, Additional Information, Account History. 

Without proper proof of liability or verification from the original creditor, this entry remains unverifiable. 

XXXX. XXXX XXXX XXXX XXXX XXXX 

Reported as verified but no furnisher documents were produced. 

Equifax can not lawfully continue reporting without actual evidence of the accounts accuracy. 

XXXX XXXXXXXX XXXX XXXX  Equifax states this account is reported correctly, yet it contains inconsistent dates for charge-off amounts and delinquency dates. 

No itemized proof or contract was provided to support the continued reporting. 

XXXX. XXXX. XXXX XXXX ( Collection Account ) Equifax claims it verified this item belongs to you, but did not supply a validation of the debt under FCRA 611 and FDCPA 809 ( b ). 

This account should be removed until the collector produces written proof bearing my signature and the original credit contract. 

Basis of Follow-Up Dispute Equifaxs response admits that it transmits disputes electronically to the furnisher, relying on the same unverified data rather than conducting an independent investigation. 
This violates the requirement for a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ).

Equifax also failed to provide the names and addresses of the specific furnishers contacted, as required by 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-08 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: FL

Complaint narrative:
I NEED TO COMPLAIN ABOUT THIS COMPANY THAT HAD XXXX OF THE SAME UNVERIFIED ACCOUNT AND DELETED THEM AND THEN PUT IT BACK ON MY CREDIT REPORT! THIS IS UN HEARD OF! IS THIS NOT A VIOLATION OF MY RIGHTS? 

XXXX XXXXXXXX XXXX  - XXXX - XXXX BANK, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX BANK - XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, ND XXXX LGET THIS COMPANY TO P [ LEASE REMOVE THIS UNAUTHORIZED AND IMNKLNOWN ACCOUNT FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I NEED TO COMPLAIN ABOUT THIS COMPANY THAT HAD XXXX OF THE SAME UNVERIFIED ACCOUNT AND DELETED THEM AND THEN PUT IT BACK ON MY CREDIT REPORT! THIS IS UN HEARD OF! IS THIS NOT A VIOLATION OF MY RIGHTS? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX LGET THIS COMPANY TO P [ LEASE REMOVE THIS UNAUTHORIZED AND IMNKLNOWN ACCOUNT FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> To Consumer Financial Protection Bureau, I purchased raw material from XXXX on XX/XX/year>. They quoted me a price of {$1100.00} for which I paid in full. That price included the cost of shipping ( they had my shipping address at time of purchase-see original invoice number XXXX ). We also signed a Credit Card XXXX XXXX for the authorized amount of {$1200.00} to cover the {$1100.00} that I paid. On XX/XX/year> ( almost 2 months later ) I was charged {$410.00} for additional shipping for which I was never told there would be. XXXX just charged my card. I never gave authorization for this additional {$410.00} charge. I reached out to Capital One to dispute this charge and they removed the charge at first and then they put the charge back on our account. I called Capital One and asked them how they could honor a charge almost 2 months later from the original purchase especially when I never gave authorization for this additional charge. Had I been told originally that the shipping would cost me {$780.00}, not {$360.00} that I paid, I would have not purchased the material as I could have found it for less. Capital One said I should have produced a cancellation notification. How could I have produced that? I paid in full for the material and shipping in good faith and then used the material right away. How could I have known that an additional shipping charge would just show up on my statement almost 2 months later. Needless to say, I have since cancelled the Capital One card as I cant stay with a card company who lets any charge be put on their account regardless of the cardholder 's authorization or non-authorization, especially 2 months down the line after the original purchase. There should have been more communication between the vendor ( XXXX ) and the shipping company. Again, XXXX should have confirmed with their shipping company what the correct shipping charge would be as they had my address. XXXX communicated that they assumed my address was in an industrial area. Their assumption was incorrect and I'm paying the price. Thats just not fair. Their lack of communication is not justification for me having to pay for something I never agreed to pay. I paid the invoice I was charged in good faith and that should have been the end. 

I appreciate your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I did not receive the goods I had ordered with XXXX XXXX. I disputed the charge with Chime and they continually deny my claim. This happened on XX/XX/year> for the amount of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX : Formal Complaint and Demand for Investigation COMENITY BANKXXXX  Account # XXXX Dear CFPB, I am filing a formal complaint against COMENITY BANK for reporting false and incomplete information on my credit profile. This account was closed and charged off yet still shows activity and was allegedly purchased by another lender. There is no verification of this transfer or validation of the debt as required by law. 

Violations Identified : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : Failure to correct and update information after notice of dispute.

15 U.S.C. 1692g ( b ) : Failure to validate debt before reporting.

15 U.S.C. 1681i : Failure to conduct a reasonable investigation of a dispute.

15 U.S.C. 1681s-2 ( a ) ( 5 ) : Re-aging account information.

I demand the immediate permanent deletion of this account from all consumer reporting agencies and request compensation of {$5000.00} for the above violations. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights 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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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