vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ). Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information. I recently disputed the following account ( s ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : Capital One Account Number : XXXX Date of Reported Item : XX/XX/XXXXXXXX  Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed. This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-05-06 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DAIMLER TRUCK FINANCIAL SERVICES USA LLC
State: CA

Complaint narrative:
The finance company ran my credit for funding without my approval. Also I was not approved for any funding. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Not sure the amount for auto financing. I phoned them and they told me I have to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-06 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: IL

Complaint narrative:
Formal Dispute of Fraudulent Account ( s ) Failure to Verify Within 30 Days ( FCRA Violation ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ Experian/Equifax/TransUnion/XXXX XXXX XXXX This letter serves as a formal notice of dispute regarding one or more fraudulent accounts listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that disputed information must be investigated and resolved within 30 days of the date the dispute is received.

I previously disputed the following account ( s ), which I have reason to believe were opened or reported fraudulently : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), the credit reporting agency or furnisher of information is legally obligated to investigate and verify the accuracy of the information within 30 days. It has now been over 30 days since I filed my dispute, and I have not received any proof or documentation verifying the validity of the account ( s ) in question.

Moreover, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to : 1. Conduct a reasonable investigation ; 2. Review all relevant information provided ; 3. Report the results back to the credit bureau ( s ) ; and 4. If the information is inaccurate or unverifiable, modify, delete, or block the reporting of such information.

Failure to comply with these requirements may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.

Demand : I hereby demand that : 1. All unverifiable and fraudulent information be deleted from my credit file immediately.

2. I be provided with a copy of any documentation used to verify the validity of these accounts.

3. If you are unable to verify the account ( s ), you must permanently remove them from my credit report and send me confirmation of the deletion.

If you fail to comply, I am prepared to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and initiating legal action for noncompliance.

This is my final good faith attempt to resolve this matter without legal action. Please respond within 15 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
Formal Dispute of Fraudulent Account ( s ) Failure to Verify Within 30 Days ( FCRA Violation ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ Experian/Equifax/TransUnion/XXXX XXXX XXXX This letter serves as a formal notice of dispute regarding one or more fraudulent accounts listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that disputed information must be investigated and resolved within 30 days of the date the dispute is received.

I previously disputed the following account ( s ), which I have reason to believe were opened or reported fraudulently : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), the credit reporting agency or furnisher of information is legally obligated to investigate and verify the accuracy of the information within 30 days. It has now been over 30 days since I filed my dispute, and I have not received any proof or documentation verifying the validity of the account ( s ) in question.

Moreover, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to : 1. Conduct a reasonable investigation ; 2. Review all relevant information provided ; 3. Report the results back to the credit bureau ( s ) ; and 4. If the information is inaccurate or unverifiable, modify, delete, or block the reporting of such information.

Failure to comply with these requirements may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.

Demand : I hereby demand that : 1. All unverifiable and fraudulent information be deleted from my credit file immediately.

2. I be provided with a copy of any documentation used to verify the validity of these accounts.

3. If you are unable to verify the account ( s ), you must permanently remove them from my credit report and send me confirmation of the deletion.

If you fail to comply, I am prepared to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and initiating legal action for noncompliance.

This is my final good faith attempt to resolve this matter without legal action. Please respond within 15 days of receiving this letter. 

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 2025-05-06 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-06 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: CA

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

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 2025-05-06 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: AZ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
The account was charged off and the following date. ( XXXX XXXX ) since then the account has repeatedly been updated as a charged history. The chargeoff account should not includes an active payment history. This inadequacies information falsely manipulate the status of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
The account was charged off and the following date. ( XXXX XXXX ) since then the account has repeatedly been updated as a charged history. The chargeoff account should not includes an active payment history. This inadequacies information falsely manipulate the status of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account 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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SAN DIEGO COUNTY CREDIT UNION
State: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of San Diego County Credit Union ( XXXX ) to correct inaccurate late payment information reported on my credit report for XX/XX/year>, as well as multiple address discrepancies. 

1. Inaccurate Late Payment Reporting : XXXX reports the late payment as 60 days past due for XX/XX/year>. 

XXXX and XXXX  report the late payment as 30 days past due for XX/XX/year>. 

This conflicting reporting is inaccurate and has been damaging to my credit score. I have made multiple attempts to resolve this issue directly with XXXX, but it has not been corrected. I am now demanding the immediate removal of this incorrect late payment entry from my credit report. If it can not be verified as accurate, it must be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

2. Discrepancies in Creditors Mailing Address : XXXX XXXX XXXX  report the creditors address as XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

XXXX reports the address as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

This address discrepancy suggests incorrect information is being reported. I am requesting that you verify the correct address and ensure the address is consistent across all three bureaus. 

3. Previous Dispute Attempts : Despite my previous attempts to dispute these inaccuracies directly with XXXX, the issues have remained unresolved. I have submitted the required documentation to support my claims, yet the information continues to be inaccurately reported. 

Requested Action : I demand the immediate removal of the inaccurate late payment for XX/XX/year>, as well as the correction of the address discrepancy across all credit bureaus. I also request that XXXX notify the credit bureaus of these corrections. 

If these issues are not resolved within 15 days, I will escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action for willful violations under the FCRA. 
I have attached the following supporting documents : Credit Reports from XXXX XXXX XXXX XXXX highlighting the discrepancies. 

Drivers License for identity verification. 

Social Security Card for identity verification.

Proof of Address ( e.g., utility bill, bank statement ).

Please confirm receipt of this complaint and inform me of the actions you intend to take. I request a response within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-06 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation