vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: CBC Companies, Inc.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. EXPERIAN XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
XXXX has allowed Affirm, LLC to unfreeze my credit report without my permission 4 times this year. Affirm as added a name and social security number to my account which does not belong to me. I've had to call into XXXX to dispute this unfreeze and addition 3 times previously wasting my time and giving me mental and emotional stress and anguish. Third party companies should not be able to unfreeze my credit without my permission and they should not be able to addon personal information that does not belong to me, especially if I've previously disputed them before. 

Affirm XXXX dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Immediate Deletion of Fraudulent Account and Method of Verification To Whom It May Concern, I am writing to formally dispute and request the immediate deletion of an account that appears on my credit report. I am also demanding a detailed explanation of your method of verification, as well as any and all proof and documentation obtained during your so-called investigation of this account. 

The account in question has been reported without proper verification, which constitutes fraud under the Fair Debt Collection Practices Act, 15 U.S.C. 1692i. Your records must include verified documentation proving that the reporting party had a legitimate basis to place this information on my credit profile. If you can not provide this, then you are legally obligated to delete the account immediately. 

You are further required under 15 U.S.C. 1681i ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ) to provide me with the following : The name, address, and telephone number of each furnisher of information you contacted during your investigation. 

A full description of the method of verification used to confirm the accuracy of the information. 

Copies of all documents, records, and correspondence you relied upon during your investigation. 

Failure to comply with these requests, or continued reporting of unverifiable information, will constitute willful noncompliance with federal law and subject your agency to legal action and regulatory complaints. 

I am demanding this fraudulent and inaccurate account be removed from my credit file immediately and that you provide written confirmation of its deletion within 15 days of receiving this letter. 

Please be advised that I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my legal counsel if this issue is not resolved without delay. 

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
b'Subject: Urgent Request for Account Review and Reinstatement Due to Unjust Closure\n\nDear Capital One Customer Service Team,\n\nI am writing to formally complain about the handling of my recently opened Capital One credit card account and the sudden closure of both this new account and my existing Capital One credit card account. I am deeply frustrated by the lack of communication, the unjust accusations of fraudulent activity, and the confiscation of my accumulated Rewards Points.\n\nOn XXXX XXXX XXXX I applied for a new Capital One credit card, which resulted in a hard inquiry on my credit report. I have not used this card at all since receiving it. Despite my compliance with all requests for verification, Capital One claimed my account was involved in fraudulent activity and closed it without providing clear evidence or communication. I was asked to submit copies of my Social Security Number, utility bill, drivers license, and bank statement, all of which I provided promptly. However, each time, I was informed that Capital One did not receive these documents, despite my final submission being sent via USPS Priority Mail to ensure delivery. This repeated dismissal of my efforts to comply has been extremely frustrating and disrespectful to a loyal customer.\n\nAdditionally, my existing Capital One credit card, which I have held for several years, was also inexplicably closed. I have never had a late payment, engaged in frequent or unusual activity, or violated any terms of service with this account. Furthermore, Capital One has confiscated all my accumulated Rewards Points without justification, which I earned through responsible use of my account.\n\nThis experience has been unacceptable and has caused me significant inconvenience, including damage to my credit report due to the hard inquiry and the loss of my Rewards Points. I am requesting the following:\n\nAn immediate review of both my new and existing accounts by a specialized representative.\n\nReinstatement of both accounts, if the review finds no evidence of wrongdoing on my part.\n\nRestoration of my confiscated Rewards Points.\n\nA formal apology for the lack of communication and mishandling of my case.\n\nPlease find attached copies of my correspondence with Capital One and proof of mailing for the requested documents. I expect a response within 5 business days to address this matter and outline the steps Capital One will take to resolve it. You may contact me at XXXX or XXXX for further discussion.\n\nThank you for your prompt attention to this serious issue. I look forward to a fair resolution.\n\nSincerely,\XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
The following accounts do not belong to me and I need your assistance in getting these items removed from my credit report. 

There are incorrect name spelling reporting on XXXX, XXXX, XXXX XXXXXXXX, XXXX The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA I was never employed by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts do not belong to me : XXXX XXXX - bal. {$7500.00} XXXX XXXX - bal. {$100000.00} XXXX XXXX - bal. {$39000.00} XXXX XXXX - bal. {$29000.00} XXXX XXXX  - bal. {$35000.00} XXXXXXXX XXXX- {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
The following accounts do not belong to me and I need your assistance in getting these items removed from my credit report. 

There are incorrect name spelling reporting on XXXX, XXXX, XXXX XXXXXXXX, XXXX The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA I was never employed by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts do not belong to me : XXXX XXXX - bal. {$7500.00} XXXX XXXX - bal. {$100000.00} XXXX XXXX - bal. {$39000.00} XXXX XXXX - bal. {$29000.00} XXXX XXXX  - bal. {$35000.00} XXXXXXXX XXXX- {$13000.00}

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 2025-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-20 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : FIRST PREMIER Balance : {$1100.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$610.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$710.00} XXXXXXXX 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/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$15000.00} 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/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/year> a credit inquiry notification was sent to me from my alerts. I was notified that Bank of America Location : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX Phone ( XXXX ) XXXX obtained a copy of my report and left an inquiry on my report. I contacted Bank of America via telephone at ( XXXX ) XXXX & ( XXXX ) XXXX on 2 occasions, XX/XX/year> & XX/XX/year> and no one has been able to help rectify the situation & remove the unauthorized inquiry from my report. I have not completed or signed any applications, I do not do any business with Bank of America. This unauthorized inquiry is causing a hardship, I am making a very important purchase in the near future. I would like this unauthorized inquiry removed from my 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 2025-06-20 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-20 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Im extremely frustrated with the ongoing inaccuracies and incomplete information on my credit report. Despite my repeated attempts to have this corrected, my concerns continue to be ignoredand my credit score is suffering as a result. This situation is unacceptable.

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 2025-06-20 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: EQUIFAX, INC.
State: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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