vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per the XXXX CC response : Reference # XXXX " Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We thank you for your service to our country. We have successfully removed the authorized users listed in your complaint as of XX/XX/XXXX, from your credit card ending in XXXX. Per the enclosed letter, dated XX/XX/XXXX, we successfully removed the authorized users listed in your complaint as of XX/XX/XXXX, from your credit card ending in XXXX, formerly ending in XXXX and ending in XXXX prior to that. You are not authorized to make any requests to update or remove credit reporting on behalf of other clients. We would require that the former authorized users contact us individually to speak over their concerns with their personal credit reporting. They can call XXXX for our customer service line, available anytime, to speak over their options. We are unable to assist with how the reporting agencies report or use the information we provide. The reporting agencies manage how long accounts will remain on credit reporting. If there are questions regarding how an agency reports information or questions about the timeframe, please contact them directly using the enclosed contact information. We appreciate the feedback you provided about your experience with your request to remove the authorized users. You are helping us understand new issues, strengthen practices, and improve customers experiences. We regret that we did not meet your expectations. We look forward to a continued business relationship, as well as providing you with the service you expect. We can not assist you with concerns regarding XXXX XXXX  and XXXX XXXX. Please contact them directly. '' XXXX XXXX, I am the rightful owner of the account in question and had authorized the addition of the individual to the account from the outset. As such, I request that you immediately report this to the credit agencies per the Federal Regulations. 

As the account holder, I am fully authorized to make changes, including removing individuals from the account. In light of this, I kindly request that you adhere to the appropriate federal regulations and ensure that the reporting reflects this authorization. 

Furthermore, there is no need for any unauthorized individual to contact the credit card company, as they have no legal authority to engage in transactions or discussions regarding this account. 

Thank you for your prompt attention to this matter. 

Subject : XXXXXXXX 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per the XXXX XXXX response : Reference # XXXX " Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We thank you for your service to our country. We have successfully removed the authorized users listed in your complaint as of XX/XX/XXXX, from your credit card ending in XXXX. Per the enclosed letter, dated XX/XX/XXXX, we successfully removed the authorized users listed in your complaint as of XX/XX/XXXX, from your credit card ending in XXXX, formerly ending in XXXX and ending in XXXX prior to that. You are not authorized to make any requests to update or remove credit reporting on behalf of other clients. We would require that the former authorized users contact us individually to speak over their concerns with their personal credit reporting. They can call XXXX for our customer service line, available anytime, to speak over their options. We are unable to assist with how the reporting agencies report or use the information we provide. The reporting agencies manage how long accounts will remain on credit reporting. If there are questions regarding how an agency reports information or questions about the timeframe, please contact them directly using the enclosed contact information. We appreciate the feedback you provided about your experience with your request to remove the authorized users. You are helping us understand new issues, strengthen practices, and improve customers experiences. We regret that we did not meet your expectations. We look forward to a continued business relationship, as well as providing you with the service you expect. We can not assist you with concerns regarding XXXX XXXX  and XXXX XXXX. Please contact them directly. '' XXXX XXXX, I am the rightful owner of the account in question and had authorized the addition of the individual to the account from the outset. As such, I request that you immediately report this to the credit agencies per the Federal Regulations. 

As the account holder, I am fully authorized to make changes, including removing individuals from the account. In light of this, I kindly request that you adhere to the appropriate federal regulations and ensure that the reporting reflects this authorization. 

Furthermore, there is no need for any unauthorized individual to contact the credit card company, as they have no legal authority to engage in transactions or discussions regarding this account. 

Thank you for your prompt attention to this matter. 

Subject : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per the XXXX XXXX response : Reference # XXXX " Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We thank you for your service to our country. We have successfully removed the authorized users listed in your complaint as of XX/XX/XXXX, from your credit card ending in XXXX. Per the enclosed letter, dated XX/XX/XXXX, we successfully removed the authorized users listed in your complaint as of XX/XX/XXXX, from your credit card ending in XXXX, formerly ending in XXXX and ending in XXXX prior to that. You are not authorized to make any requests to update or remove credit reporting on behalf of other clients. We would require that the former authorized users contact us individually to speak over their concerns with their personal credit reporting. They can call XXXX for our customer service line, available anytime, to speak over their options. We are unable to assist with how the reporting agencies report or use the information we provide. The reporting agencies manage how long accounts will remain on credit reporting. If there are questions regarding how an agency reports information or questions about the timeframe, please contact them directly using the enclosed contact information. We appreciate the feedback you provided about your experience with your request to remove the authorized users. You are helping us understand new issues, strengthen practices, and improve customers experiences. We regret that we did not meet your expectations. We look forward to a continued business relationship, as well as providing you with the service you expect. We can not assist you with concerns regarding XXXX XXXX  and XXXX XXXX. Please contact them directly. '' XXXX XXXX, I am the rightful owner of the account in question and had authorized the addition of the individual to the account from the outset. As such, I request that you immediately report this to the credit agencies per the Federal Regulations. 

As the account holder, I am fully authorized to make changes, including removing individuals from the account. In light of this, I kindly request that you adhere to the appropriate federal regulations and ensure that the reporting reflects this authorization. 

Furthermore, there is no need for any unauthorized individual to contact the credit card company, as they have no legal authority to engage in transactions or discussions regarding this account. 

Thank you for your prompt attention to this matter. 

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Too much interest being charged. Seems like it got higher and higher and couldnt pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inquires and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-13 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: CO

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
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MN

Complaint narrative:
I recently reviewed my credit report and found inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), any information that is inaccurate or unverifiable must be removed from my credit profile. I have not given written permission for these inquiries, and they were made without my consent. Please remove and block these inquiries from my credit report immediately to comply with federal law. 



Inquiries to Dispute : XXXX. XXXX XXXX XX/XX/year> Auto Financing Companies 2. XXXX XXXX XXXX XX/XX/year> Auto Financing Companies 3. XXXX XXXX XXXX XXXXXX/XX/year> Auto Financing Companies XXXX. XXXX XXXX XXXX XX/XX/year> Auto Financing Companies XXXX. XXXX XXXX XXXX XX/XX/year> Auto Financing Companies XXXX. XXXX XXXX XX/XX/year> Automobile Dealers, Used XXXX. XXXX XXXX XXXX XXXX XX/XX/year> Automobile Dealers, Used XXXX. XXXX XXXX XX/XX/year> Auto Financing Companies XXXX. XXXX XXXX XX/XX/year> Automobile Dealers, Used XXXXXXXX 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. 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 explanation
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding XXXX XXXX failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with XXXX  to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, XXXX  responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against XXXX  for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. XXXX  refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure XXXX  fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that XXXX  be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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 2025-08-13 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:
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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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