vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-22 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Systems ( EWS ) has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Early Warning Systems ( EWS ), alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Early Warning Systems ( EWS ) has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Early Warning System 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This letter is being sent in response to your claim that I owe a debt. I am requesting validation of this debt as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. Please provide me with the following : 1. The name and address of the original creditor.
2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments.

3. Proof that I am legally obligated to pay this debt ( such as a copy of the original signed agreement or contract ).

4. Proof that your agency has the legal right to collect this debt.

5. A copy of the judgment ( if applicable ). 

Please also be advised that until you provide the requested validation, you must cease all collection activities, including reporting to the credit bureaus. Any attempt to collect a debt without proper validation is a violation of federal law. 

This request is not a refusal to pay but a notice that your claim is disputed. If you can not provide the requested validation, you must immediately cease collection efforts and remove any negative reporting from my credit file. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-22 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: GA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX ) on my credit reports with Experian and Equifax for an alleged debt from XXXX XXXX XXXX. 

The account was opened on XX/XX/XXXX, for the amount of {$360.00}. I first requested debt validation from XXXX on XX/XX/XXXX. Instead of providing full documentation as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX only mailed me a generic past-due statement from XXXX XXXX , which does not prove their legal right to collect or validate the debt. 

Following that, I disputed the account with Equifax and Experian in XX/XX/XXXX. Both bureaus responded that the information was verified as accurate ( Experian updated the account on XX/XX/XXXX, and Equifax updated theirs on XX/XX/XXXX. However, they failed to provide any meaningful documentation or proper method of verification as required under the Fair Credit Reporting Act ( FCRA 611 ). Instead, they merely updated fields like balance date and status date while continuing to report the account. 

The documentation provided by XXXX does not meet FDCPA requirements for validation, and the continued reporting of this unverifiable account is negatively impacting my creditworthiness. Under the FCRA, unverifiable or inaccurate information must be deleted. 

I am requesting that the CFPB investigate this matter and require the furnisher and the credit bureaus to : Provide full, lawful validation of this debt ; or Delete the collection account entirely from my credit reports with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-22 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-22 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-22 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: TX

Complaint narrative:
The entry reported does not fairly reflect my payment conduct and seems erroneous. Please investigate and correct it.

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 2025-08-22 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: GA

Complaint narrative:
This complaint concerns the inaccurate and inconsistent reporting of several accounts across the three major credit bureaus. I am submitting this complaint against Experian, Equifax, and TransUnion for failing to maintain accurate and consistent credit reporting practices as required under the Fair Credit Reporting Act ( FCRA ). 

The disputed accounts are : 1. XXXX auto account 2. XXXX account 3. XXXX XXXX XXXX XXXX XXXX loan account ( which I never had ) On XX/XX/year>, TransUnion issued dispute results confirming that these accounts were DELETED from my credit file as unverifiable. This demonstrates that the furnishers could not validate the accounts and that they should not be reported. I have attached the TransUnion dispute results letter as evidence. 

Despite this, Experian continues to report the XXXX, XXXX, and XXXX XXXX auto loan accounts as accurate without providing supporting documentation or validation. Equifax continues to report the XXXX XXXX account, even though XXXX XXXX itself informed me they can not validate the loan and instructed me to dispute with the credit bureaus. 

This creates inconsistent and misleading credit reporting across the three bureaus and violates FCRA 1681i, which requires a proper reinvestigation and deletion of unverifiable information. 

Equifax has refused to correct the issues only reporting more damaging information without fully verifying or confirming what information was verified. Equifax has also blocked me from being able to call in stating my information does not match what they have in their system. Experian only stated information verified belong to me without any confirmation or verification of how or what was obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
This complaint concerns the inaccurate and inconsistent reporting of several accounts across the three major credit bureaus. I am submitting this complaint against Experian, Equifax, and TransUnion for failing to maintain accurate and consistent credit reporting practices as required under the Fair Credit Reporting Act ( FCRA ). 

The disputed accounts are : 1. XXXX auto account 2. XXXX account 3. XXXX XXXX XXXX XXXX XXXX loan account ( which I never had ) On XX/XX/year>, TransUnion issued dispute results confirming that these accounts were DELETED from my credit file as unverifiable. This demonstrates that the furnishers could not validate the accounts and that they should not be reported. I have attached the TransUnion dispute results letter as evidence. 

Despite this, Experian continues to report the XXXX, XXXX, and XXXX XXXX auto loan accounts as accurate without providing supporting documentation or validation. Equifax continues to report the XXXX XXXX account, even though XXXX XXXX itself informed me they can not validate the loan and instructed me to dispute with the credit bureaus. 

This creates inconsistent and misleading credit reporting across the three bureaus and violates FCRA 1681i, which requires a proper reinvestigation and deletion of unverifiable information. 

Equifax has refused to correct the issues only reporting more damaging information without fully verifying or confirming what information was verified. Equifax has also blocked me from being able to call in stating my information does not match what they have in their system. Experian only stated information verified belong to me without any confirmation or verification of how or what was obtained.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Issue Summary : I booked round-trip tickets for my in-laws through Capital One XXXX XXXX XXXX XXXXXXXX. The original itinerary was : XXXX ( XXXX ) XXXX  XXXX ( XXXX ) on XX/XX/year> XXXX XXXX ( XXXX ) on XX/XX/year>XXXX  XXXX XXXX has since canceled all operations from XXXX XXXX ( XXXX ) and unilaterally rebooked the tickets through XXXX ( XXXX ). I did not agree to this change. XXXX is more than XXXX hours from my residence in XXXX, VA, and the rebooked itinerary is not comparable to the original one-stop route I purchased. 

Attempts to Resolve : I contacted Capital One XXXX, but each agent and supervisor gave me different and contradictory answers. 

One supervisor originally promised I would receive a full refund or rebooking on a one-stop option, along with a refund of travel disruption coverage.

When I followed up, other agents refused, gave inconsistent information, or claimed no refund was possible. 

XXXX XXXX confirmed directly to me that I am entitled to a full refund, but since I booked through Capital One XXXX, they must process it. 

Why This Is a Violation : This is an involuntary schedule change. U.S. Department of Transportation rules state passengers are entitled to a refund if a significant schedule change or cancellation occurs and they do not accept the alternative offered. 

Despite this, Capital One XXXX has not provided the refund or applied the purchased XXXX  disruption coverage. 

Requested Resolution : Full refund of the booking, including all taxes and fees. 

Refund of the XXXX  disruption protection I purchased. 

Consideration of compensation for the significant inconvenience and repeated misinformation. 

Booking Reference : XXXX Airline : Air XXXX XXXX Passengers XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against * * Westlake Portfolio Management * * for reporting inaccurate, inconsistent, and potentially misleading information on my credit report in violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 * *.

Specifically, the following issues pertain to account number XXXX XXXX XXXX XXXX XXXX ( as reported by XXXX on my XXXX  credit report ) : 1. * * Conflicting Account Status : * * The account is listed as both charged off and 70 % paid off, but it simultaneously reports a * * \ {$750.00} balance * * and * * \ {$750.00} past due * * amount. If it has been partially paid, the balance and past due status should reflect that accurately. 

2. * * Date Discrepancies / Re-aging : * * The account shows a * * last payment date of XX/XX/XXXXXXXXXXXX XXXX XXXX, yet the * * account status was updated as recently as XX/XX/XXXXXXXX XXXX XXXX with no activity in between. This appears to be improper re-aging of the debt, which is prohibited under FCRA unless there is legitimate new activity. 

3. * * Incomplete Creditor Information : * * The original creditor is listed vaguely as Company Sold. This is insufficient and does not meet the FCRA requirement to provide complete and verifiable information. I have no way of validating the origin of this debt.

4. * * Failure to Correct or Verify Upon Dispute : * * I submitted a direct dispute to Westlake Portfolio Management, requesting verification and correction under * * FCRA 623 * *, but have not received proper documentation or a valid response. I also disputed this account with the credit bureau, but the inaccurate information remains. Also, This account has never been my account and I have disputed it numerous times and they refuse to correct due to identity theft in XXXX. 

This inaccurate reporting is severely damaging my credit profile. It has caused me extreme difficulty obtaining credit and interferes with my ability to move forward financially. I have made multiple attempts to resolve this directly, but Westlake Portfolio Management and experian and both have failed to correct or remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with explanation