vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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:
Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX XXXX and the consumer reporting agencies ( CRAs ), specifically Equifax for their roles in the mishandling of my personal data and ongoing credit reporting violations. My personal and financial information was compromised in a data breach involving XXXX. Despite this breach, CRAs have continued to report inaccurate, outdated, and damaging information about me, causing financial harm, stress, and emotional distress. These actions violate the Fair Credit Reporting Act ( FCRA ), including sections 15 U.S.C. 1681n and 1681o, as well as provisions under UCC Article 9 and applicable state consumer protection laws. The CRAs failed to properly reinvestigate or remove inaccurate data, ignored multiple requests for correction, and neglected their duty to place appropriate fraud alerts or blocks. These failures have caused measurable harm, including loss of credit opportunities and emotional hardship. I am requesting the following resolution : 1. Immediate investigation and correction of all inaccurate credit report entries. 2. Written statements from each CRA and XXXX detailing the actions taken. 3. Monetary compensation for damages incurred, as detailed in the attached invoice. Attached is an invoice outlining the financial damages I have suffered as a result of these violations. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Request for Reinvestigation of Account # XXXX under the FCRA I am writing to formally request a reinvestigation of the following account that is being reported on my credit file : Account Number : XXXX Creditor/Collector : XXXX. XXXX XXXX XXXX XXXX I previously disputed this account due to concerns regarding the accuracy and completeness of the reported information. I have not received sufficient documentation from the collector proving their legal right to collect this debt or proper validation as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, the following information remains unverified or incomplete : chain of title, original contract and application, detailed account statements, and proof of notice sent within five days as mandated by law. 

Please reinvestigate this matter promptly and remove or correct any inaccurate or unverifiable information on my credit report. 

Enclosed/attached are copies of all relevant correspondence and supporting documents related to this dispute for your review. 

I look forward to your timely response and a confirmation of the investigation findings as required under the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-08-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Request for Reinvestigation of Account # XXXX under the FCRA I am writing to formally request a reinvestigation of the following account that is being reported on my credit file : Account Number : XXXX Creditor/Collector : XXXX. XXXX XXXX XXXX XXXX I previously disputed this account due to concerns regarding the accuracy and completeness of the reported information. I have not received sufficient documentation from the collector proving their legal right to collect this debt or proper validation as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, the following information remains unverified or incomplete : chain of title, original contract and application, detailed account statements, and proof of notice sent within five days as mandated by law. 

Please reinvestigate this matter promptly and remove or correct any inaccurate or unverifiable information on my credit report. 

Enclosed/attached are copies of all relevant correspondence and supporting documents related to this dispute for your review. 

I look forward to your timely response and a confirmation of the investigation findings as required under the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MI

Complaint narrative:
According to law 15 USC 1681 a4 I have a right to privacy. I contacted the bankruptcy court in Michigan and a letter was sent back stating they not provide bankruptcy information to ExperianXXXX XXXX XXXX XXXX. I then contacted XXXX XXXX that also said they do not provide bankruptcy information to Experian, XXXX XXXX XXXX, which means Experian, XXXX XXXX XXXX went looking for this information and this is a violation the FCRA to seek information about consumers to negatively impact the consumer. I put in disputes with all three credit reporting agencies and XXXX refused to remove from 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 2025-08-03 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: MI

Complaint narrative:
According to law 15 USC 1681 a4 I have a right to privacy. I contacted the bankruptcy court in Michigan and a letter was sent back stating they not provide bankruptcy information to ExperianXXXX XXXX XXXX XXXX. I then contacted XXXX XXXX that also said they do not provide bankruptcy information to Experian, XXXX XXXX XXXX, which means Experian, XXXX XXXX XXXX went looking for this information and this is a violation the FCRA to seek information about consumers to negatively impact the consumer. I put in disputes with all three credit reporting agencies and XXXX refused to remove from 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX RE : Dispute of Inaccurate Late XXXX XXXX XXXX XXXXXXXX XXXX Account ( Acct # XXXX ) To Whom It May Concern, I am formally disputing inaccurate and potentially unverifiable late payment information reported on my credit profile regarding the following account : Creditor Name : XXXX XXXXXXXX XXXX  Account Type : Installment Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} Reported Late Payment : XX/XX/XXXX ( 30+ days late ) According to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S. Code 1681i ], I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable. Upon review, I found no proof that this late payment in XX/XX/XXXX is valid, verified, or accurately reported. 

Additionally, under 15 U.S. Code 1666b ( Truth in Lending Act ), a creditor may not treat a payment as late unless they have adopted and followed reasonable procedures to ensure that the billing statement was provided at least 21 days before the payment due date. If XXXX XXXXXXXX XXXX  can not demonstrate that such procedures were followed, this reported late payment violates federal law and must be removed. 

Supporting case law includes : XXXX XXXX TransUnion XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Requires credit bureaus to go beyond just relying on the furnishers data. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) Failure to conduct a reasonable reinvestigation XXXX result in legal liability. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Bureaus must follow procedures to ensure maximum possible accuracy. 

Because the late payment in question contradicts other data reported, lacks independent verification, and was possibly reported in violation of 1666b, I am formally requesting immediate removal. 



I am requesting the following : XXXX. A full reinvestigation of the XX/XX/XXXX late payment notation. 
2. Removal of the 30+ day late payment from this account if it can not be verified with actual documentation or if billing notice requirements under 1666b were not met.

3. An updated copy of my credit report reflecting the deletion.

4. A written explanation of your reinvestigation process and findings.

Please complete the reinvestigation and respond within 30 days, as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, 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 2025-08-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requested a 1099c form from the company they refused it says it was wrote off as a profit of loss they been lying about everything this account does not belong to me when i call all they do is hang up i want this creditor removed off 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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This account has late payments where I was not responsible for such an eventual outcome that has affected by credit history. I believe that the issue was because the financial institution flawed on the automatic payments, and I was never made aware of it until late payments occurred. I was never given a warning phone call, nor given notice by email or text message, even though such a warning system was already in play. I request a full accounting of the late payment history and if I am 100 % accurate the deletion of the late payment history. 

PLEASE UPDATE THIS ACCOUNT AND DELETE THE LATE PAYMENTS COMPLETELY!!!

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/year>, I submitted a certified # XXXX mail letter to dispute against Equifax about several tradelines with incorrect opening dates, last activity dates, and last payment dates. Also, requested deletion of multiple hard inquiries listed on my credit report that I did not authorize, not tied to any open or closed loan/credit application.

I cited my rights under FCRA 1681e ( b ) ( accuracy procedures ) and 1681i ( a ) ( reinvestigation and written notice ) and requested deletion or correction.

Equifax sent a generic reply saying the items were verified.

No written proof, no furnisher contact details, and no updated credit report were provided as required under 1681i ( a ) ( 6 ). 

On XX/XX/year>, I mailed a second follow-up letter ( certified ) demanding : Written verification of each item ( deleted/verified/corrected ), furnisher name, address, and phone and a free updated consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: MD

Complaint narrative:
I am writing a complaint against Experian, Equifax and Transunion regarding a XXXX Bank credit card account ending in XXXX. I have paid off this account in full. Please have them update the balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing a complaint against Experian, Equifax and Transunion regarding a XXXX Bank credit card account ending in XXXX. I have paid off this account in full. Please have them update the balance on 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 2025-08-04 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against [ Experian / Equifax / TransUnion ] for reporting a XXXX on my credit report that can not be verified under the Fair Credit Reporting Act ( FCRA ). 

I previously disputed this entry and requested verification. The credit bureau did not provide any documentation directly from the XXXX XXXX Court. 

XXXX courts do not furnish data to credit bureaus. If the bureau can not verify the accuracy of the record from the original source, the item must be removed under FCRA XXXX. 

Please have this unverifiable public record deleted 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against [ Experian / Equifax / TransUnion ] for reporting a XXXX on my credit report that can not be verified under the Fair Credit Reporting Act ( FCRA ). 

I previously disputed this entry and requested verification. The credit bureau did not provide any documentation directly from the XXXX XXXX Court. 

XXXX courts do not furnish data to credit bureaus. If the bureau can not verify the accuracy of the record from the original source, the item must be removed under FCRA XXXX. 

Please have this unverifiable public record deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had scheduled extra payments for my credit card to help lower the balance. Capital one takes multiple days to remove the money. On a few occasions the extra payments ( not minimums ) got returned and I had to resubmit them. Always did I called in to make sure that wouldnt cause problems with my account the rep assured me Id be fine. I had started using my XXXX account for payments to ensure all payments would go through, I called in to let capital one know and make sure I was still in good standing and wouldnt be at risk for closing the accounts as these credit cards were my main priority and how I planned on bringing my credit up. The rep assured me they understood and Id be fine then I call in after making the minimum payments on time today and the rep tells me my accounts been closed and theres nothing I can do. I never got a notice, no email call or letter. I even called them multiple times to make sure I was doing everything I needed and they closed my accounts anyways. I couldve prevented that had I received the correct information or been informed when I asked questions about how the card works and what could cause my account to close. I feel like I was lied to and basically forced into having my accounts closed and my credit affected. Im in the process of trying to find a home as rent prices are too high and now its going to be impossible. I dont believe its fair or legal what theyve done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

This company has posted one or more outdated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, XXXX. XXXX XXXX, and XXXX XXXX respectively. 
PLEASE DELETE THIS COLLECTION PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MI

Complaint narrative:
According to law 15 USC 1681 a4 I have a right to privacy. I contacted the bankruptcy court in Michigan and a letter was sent back stating they not provide bankruptcy information to ExperianXXXX XXXX XXXX XXXX. I then contacted XXXX XXXX that also said they do not provide bankruptcy information to Experian, XXXX XXXX XXXX, which means Experian, XXXX XXXX XXXX went looking for this information and this is a violation the FCRA to seek information about consumers to negatively impact the consumer. I put in disputes with all three credit reporting agencies and XXXX refused to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I need my information removed from all consumer information data Base

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation