vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-05-08 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I got a notification from XXXX XXXXXXXX that an inquiry had occurred on my credit on XX/XX/year>. Capital One was the entity that inquired. I called Capital One and they confirmed that a credit card had been opened in my maiden name using my old phone number and my social security number. They also had my date of birth correct to open the account. However they provided a different address from any of my addresses both current or previous ( so the card could be sent to wherever they are ). 

Capital One reported it as fraud and opened an investigation. I also called XXXX and they are working on disputing the inquiry on my credit. Finally, I placed security freezes through all 3 credit unions and will be placing extended alerts with all 3 after filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against TransUnion for violating FCRA XXXX ( a ) ( XXXX ) ( B ). After disputing an item on my credit report, TransUnion deleted it but later reinserted the item without notifying me in writing within XXXX business days, as required by law. 

This lack of notification violates my rights under the FCRA. I request that the CFPB investigate and require TransUnion to either : Provide proper verification and written notice of the reinsertion, or Thank you for your assistance.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I want XXXX dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor XXXX promised me XXXX update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this XXXX  remove or delete this account from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXE XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I want XXXX dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor XXXX promised me XXXX update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this XXXX  remove or delete this account from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXE XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, causing profound impacts on my daily life through significant stress and anxiety. As a victim of identity theft, I never authorized or consented to having this information associated with my name, yet I continue to suffer the consequences of these unauthorized entries.

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 2025-05-08 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: IL

Complaint narrative:
The charge-off accounts for XXXXXXXX XXXX XXXX XXXX ) dated XX/XX/XXXX with a reported balance of {$14000.00} and XXXXXXXX XXXX XXXX  XXXX ) dated XX/XX/XXXX with a reported balance of {$0.00} are inaccurately impacting my credit profile across all three credit bureaus. These entries reflect outdated, incomplete, and potentially incorrect information, raising serious concerns about the integrity of the data being reported. Given the age and inconsistent handling of these accounts, it is highly likely that these errors are the result of a data breach or poor data management, which compromises the accuracy of my credit file. This reckless mishandling violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit bureaus maintain accurate, complete, and verifiable consumer information. The continued reporting of these erroneous accounts without proper verification exposes me to unjust financial harm, including damage to my creditworthiness, higher interest rates, and reduced access to credit opportunities. This kind of negligence is unacceptable and demonstrates a clear failure to uphold the responsibilities outlined under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against NATIONAL RECOVERY AGEN for their continued failure to address this matter appropriately. 

Account in Question : Creditor : NATIONAL RECOVERY AGEN Account Number : XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with NATIONAL RECOVERY AGEN, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

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 2025-05-08 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: FL

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-05-08 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: NJ

Complaint narrative:
On my XXXX  credit report dated XX/XX/XXXX, all three credit bureausTransUnion, Experian, and Equifaxhave active Extended Fraud Alerts instructing creditors to verify my identity by contacting me at ( XXXX ) XXXX before granting credit. Despite these alerts, two derogatory accounts were reported without my knowledge or authorization. 

The first is from XXXX XXXX ( account XXXX XXXX XXXX XXXX XXXX ), listed as a child support-related account with a {$6600.00} balance. TransUnion reports it as charged-off and Equifax lists it as open and 120 days late, with Equifax showing a monthly payment of {$870.00}. The second is a XXXX XXXX credit card ( XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  ) with a balance of {$8300.00}. It appears as a charge-off on all three bureaus, was opened in XX/XX/XXXX, and no monthly payments are listed. None of these accounts were opened by me, and I was never contacted by any creditor to verify an application. 

These entries are damaging my credit scores ( 603 TU, 597 EXP, 632 EQF ) and were reported in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-1 ( h ) and 15 U.S.C. 1681e ( b ), for failing to follow fraud alert procedures and for not ensuring accuracy. I am requesting immediate deletion of these accounts, a full investigation, and assurance that proper fraud protocols will be enforced going forward.

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 2025-05-08 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: NJ

Complaint narrative:
On my XXXX  credit report dated XX/XX/XXXX, all three credit bureausTransUnion, Experian, and Equifaxhave active Extended Fraud Alerts instructing creditors to verify my identity by contacting me at ( XXXX ) XXXX before granting credit. Despite these alerts, two derogatory accounts were reported without my knowledge or authorization. 

The first is from XXXX XXXX ( account XXXX XXXX XXXX XXXX XXXX ), listed as a child support-related account with a {$6600.00} balance. TransUnion reports it as charged-off and Equifax lists it as open and 120 days late, with Equifax showing a monthly payment of {$870.00}. The second is a XXXX XXXX credit card ( XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  ) with a balance of {$8300.00}. It appears as a charge-off on all three bureaus, was opened in XX/XX/XXXX, and no monthly payments are listed. None of these accounts were opened by me, and I was never contacted by any creditor to verify an application. 

These entries are damaging my credit scores ( 603 TU, 597 EXP, 632 EQF ) and were reported in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-1 ( h ) and 15 U.S.C. 1681e ( b ), for failing to follow fraud alert procedures and for not ensuring accuracy. I am requesting immediate deletion of these accounts, a full investigation, and assurance that proper fraud protocols will be enforced going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems has placed a debt on my credit report under collections illegally and the credit bureaus have allowed this. Upon disputing the credit bureaus state the debt is verified without providing proof related to the verification process. Jefferson Capital Systems has not provided a Purchase Agreement or documentation proving the debt belongs to me with a signature or proof of how they legally obtained/bought the alleged debt. This needs to be removed from my credit profile immediately. In addition, Ive filed a claim through the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
To whom this may concern ; My name is XXXX XXXX and I have noticed that it is a Fraudulent account being reported on my credit report. This does not belong to me. And I would greatly appreciate if it can be removed. This is not a third party filing this complaint.

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