vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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 has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-17 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by various furnishers and/or credit reporting agencies. These errors are severely damaging my credit profile and financial well-being.

1. Incorrect Addresses Reported XXXX XXXX, XXXXXX/XX/XXXXXXXX Wrong Address XXXX XXXX, XXXXXX/XX/XXXXXXXX Wrong Address These addresses do not belong to me and represent a clear violation of FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

2. Inaccurate Late Payment Reporting ( Balance {$0.00} ) XXXX XXXX XXXXXX/XX/XXXXOpened XX/XX/XXXX Balance Owed : {$0.00} Reported as Late XXXX XXXX XX/XX/XXXXOpened XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment XX/XX/XXXXOpened XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment It is impossible and misleading to report late payments on accounts that reflect a {$0.00} balance. This constitutes a furnishing of inaccurate information under FCRA 1681s-2 ( a ). 

3. Questionable and InaccurateXX/XX/XXXXOpened XX/XX/XXXX Balance : {$130.00} Reported as Late Payment XXXX XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance : {$10.00} Reported as Late Payment These tradelines are highly suspect, appear to be duplicative or erroneous, and do not reflect legitimate credit accounts authorized by me. 

4. Collection AccounXX/XX/XXXXOpened XX/XX/XXXX Balance : {$7400.00} Reported as Collection This account is inaccurate and unverifiable, and no documentation has been provided to validate its legitimacy. Reporting unverifiable debts violates FCRA 1681i. 

5. Charge-Off ReportingXX/XX/XXXX Opened XX/XX/XXXX Balance : {$500.00} Reported as Charge Off This tradeline is incomplete and inaccurate, asXX/XX/XXXXXXXX has failed to provide proper validation of the alleged account. 

6. Unauthorized or Improper Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry These inquiries were conducted without my authorization, in violation of FCRA 1681b. Such inquiries are damaging my credit score unfairly.

Relief Requested I am requesting the CFPB to : Investigate these inaccurate and unverifiable credit entries.

Direct the credit bureaus and furnishers to delete or correct all erroneous information immediately. 

Ensure compliance with FCRA and hold all responsible furnishers/account reporters accountable. 

Provide me with written confirmation once these corrections are made. 

These errors are materially harming my ability to access fair credit, housing, and financial opportunities. I demand immediate corrective action.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to purchase tickets to see XXXX XXXX inXX/XX/XXXX from an individual identifying themselves as XXXX XXXX XXXX. The seller quoted me {$300.00} for the tickets, but I mistakenly sent {$400.00} via XXXX XXXX. Before sending payment, I obtained written confirmation from the seller stating that if I sent the money, I would receive the tickets within five minutes. 
After sending the payment, I never received the tickets. The seller stopped responding and claimed they needed to contact their team, which made no sense given that they presented themselves as a single individual. I later discovered that the phone number was associated with multiple scam reports and was deactivated on XX/XX/XXXX. The name and identification used by the seller were fake. 
I immediately contacted my bank, Capital One, and filed a dispute on XX/XX/XXXX. Capital One denied the claim, stating that the payment was made according to my instructions. However, my instructions clearly stated that payment was conditional on receiving the tickets, which never occurred. I provided screenshots of this agreement and evidence of non-delivery. Capital One initially refused to review my evidence, denied the dispute within days, and only reopened it after I insisted. After weeks of review, they denied it again without providing any explanation or showing that they had considered my documentation. 
I am requesting CFPB assistance because Capital One failed to properly investigate a clear case of misrepresentation and fraud and refused to protect me despite my evidence and timely reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: SC

Complaint narrative:
I am filing this complaint because my credit reports contain multiple serious inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These errors are damaging my creditworthiness, causing me financial harm, and they must be corrected immediately. 

Below are the inaccurate and misleading entries currently being reported : Wrong/Unverified Addresses XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Not my address These addresses do not belong to me and should be permanently removed. 

Incorrect Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXDate Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Falsely reported late payment XX/XX/XXXXDate Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Falsely reported late payment XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Falsely reported late payment It is illogical and unlawful to report late payments on accounts with a {$0.00} balance, which indicates they are either paid or closed. This is a clear violation of FCRA accuracy requirements. 

Incorrect Late Payment Reporting XXXX XXXX. 

XXXX XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX | Balance Owed : {$130.00} | Falsely reported late payment XXXX XXXX XXXX * XX/XX/XXXXDate Opened : XX/XX/XXXX | Balance Owed : {$10.00} | Falsely reported late payment These accounts are falsely reporting late payments despite negligible or paid balances, which is misleading, inaccurate, and damaging. 

Charge Off XX/XX/XXXXDate Opened : XX/XX/XXXX | Balance Owed : {$500.00} | Improper charge-off reporting This account has been reported as a charge-off with conflicting data. I demand a full investigation and verification. If XXXX XXXX can not validate this tradeline with proper documentation, it must be deleted. 

Unwarranted Inquiries XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. They were made without my knowledge or consent and should be removed immediately. 

Requested Action : I demand that the CFPB require the credit reporting agencies and furnishers to : Delete all wrong addresses from my credit file. 

Remove or correct all false late payment entries ( XXXX XXXX and XXXX XXXX ). 

Investigate and remove the XXXX XXXX charge-off if unverifiable. 

Delete the unauthorized inquiries XX/XX/XXXXXXXX XXXX ). 

These inaccuracies are in direct violation of FCRA 602 ( A ), 607 ( B ), and 611 ( A ), which require credit reporting agencies to maintain maximum possible accuracy and conduct proper reinvestigations. 

Failure to correct these errors will leave me no choice but to consider legal action for damages under FCRA 616 and 617.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NRA Group, LLC
State: FL

Complaint narrative:
I contacted National Recovery Agency on XX/XX/year> and informed them that I viewed my credit report and that information reported was inaccurate. I requested a validation letter and it was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-17 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: MS

Complaint narrative:
Subject : Response to Companys Inaccurate Statement Complaint ID XXXX Dear CFPB Team, I am writing in response to the ( Transunion ) XXXX claim that my complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. This statement is incorrect and misleading. 

I am the verified consumer and the rightful subject of the credit file in question. I personally submitted this complaint using my own identifying information and supporting documents, including a government-issued ID, proof of address, and identity theft affidavit where applicable. No third party or unauthorized representative filed or accessed this complaint on my behalf. 

This company ( Experian, Transunion and XXXX  ) has repeatedly refused to properly investigate or correct inaccurate information despite receiving full documentation directly from me. Their repeated use of this not our customer response appears to be an attempt to avoid compliance with the Fair Credit Reporting Act ( FCRA ), including their obligations under 602A, 611, and 623, which require reinvestigation and correction of disputed items when a consumer provides notice and proof of identity. 

I respectfully request that the CFPB : XXXX. Reopen this complaint and require the company to provide a substantive response based on the documentation I submitted. 
XXXX. Remind the company that I am the verified consumer of record and that no third-party authorization is required for a consumer to dispute their own credit information. 
XXXX. Include this response as part of the official record for Complaint ID XXXX. 

I remain available to provide any additional proof of identity, documentation, or certified correspondence previously sent to the company if needed. 

Sincerely, 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 2025-10-17 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 filing this escalation against Experian for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and for their continued mishandling of my credit dispute regarding the XXXX XXXX account ( Account Number : XXXX ). This account was deleted from my Experian credit file in XXXX and XX/XX/2025 due to inaccurate reporting, yet it was unlawfully reinserted in XXXX without any written notice or authorization. This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which explicitly requires Experian to notify the consumer in writing within five business days of any reinsertion and to ensure that the information is certified as accurate by the furnisher before being reintroduced. Experian failed to meet both obligations.

I have exhausted every possible step as a consumer contacting Experian multiple times, providing documentation, filing complaints with the CFPB and FTC, and formally requesting the Method of Verification as allowed under 15 U.S.C. 1681i ( a ) ( 7 ). Experian has repeatedly closed my disputes as verified as accurate but has never provided any supporting documentation, certification, or proof showing how or by whom the account was verified. On XX/XX/2025, I called Experian and specifically requested the verification documents or certification from XXXX that validated the reinsertion. The representative admitted that Experian does not keep or share any certification or documentation and relies solely on the furnishers response. The agent further stated that Experian simply forwards disputes to the furnisher, waits for a response, and updates the report accordingly which is a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requiring a reasonable reinvestigation conducted by the credit reporting agency itself. This shows that Experian is not performing any independent verification as required by law, violating 15 U.S.C. 1681e ( b ) ( duty to assure maximum possible accuracy ). Their practice of depending entirely on the furnishers word without reviewing evidence or documentation constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. The use of automated dispute systems without human oversight or direct verification is leading to inaccurate reporting, unlawful reinsertions, and continuous damage to consumers like myself.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally disputed the accuracy of information concerning the four accounts on my credit report.XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they are required to conduct a reasonable reinvestigation of my dispute and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days as per federal law.

They sent a form letter that subsequently reported that the account was verified as accurate. I exercised my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to demand that they disclose how they verified the account ; they did not comply. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires the credit reporting agency to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and telephone number of any furnisher of information contacted in connection with such information.

Failure to provide this information, or to have conducted a reasonable investigation, violates their obligations under the FCRA and exposes them to liability under 15 U.S.C. 1681n and 1681o for statutory damages, actual damages, costs, and attorneys fees.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I formally disputed the accuracy of information concerning the four accounts on my credit report.XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they are required to conduct a reasonable reinvestigation of my dispute and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days as per federal law.

They sent a form letter that subsequently reported that the account was verified as accurate. I exercised my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to demand that they disclose how they verified the account ; they did not comply. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires the credit reporting agency to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and telephone number of any furnisher of information contacted in connection with such information.

Failure to provide this information, or to have conducted a reasonable investigation, violates their obligations under the FCRA and exposes them to liability under 15 U.S.C. 1681n and 1681o for statutory damages, actual damages, costs, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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