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: 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: GA

Complaint narrative:
I HAVE BEEN DISPUTING THESE FRAUDULENT ACCOUNTS FOR THE LAST 6 MONTHS AND THE CREDIT AGENCIES ARE STILL NEGLECTING MY CONSUMER REPORT. AS XXXX CONSUMER I HAVE RIGHTS FOR MY INFORMATION TO BE PROTECTED, ACCURATE AND PRIVATE. MY INFORMATION HAVE BEEN EXPOSED AND IT IS OBVIOUS DUE TO THE FRAUDULENT ACCOUNTS THAT'S STILL PRESENT. PLEASE HONOR THE FAIR CREDIT REPORTING ACT LAW AND REMOVE THESE ACCOUNTS PLEASE

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I heard a lot of people got a check from XXXX XXXX about theirs credit because I know I was paying XXXX XXXX to fixed my credit over a year and I stop paying them because my credit never had change and they was still taking money off my bank card...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive been a Capital One credit card customer for over a year and have accumulated XXXX miles through my personal account. Recently, I applied for a business credit card with them. 

As part of the application, I was asked to verify my identity. Over the last three weeks, Ive called multiple times, provided all requested information, and even contacted my banks directly to confirm and verify all necessary details. My identity has been fully verified through all normal channels. I fully agreed to this and offered valid, legal documents such as a W-2 or 1099 that verify my Social Security Number. However, Capital One is demanding a photo of my actual Social Security card, which I am unwilling to provide due to serious privacy and identity theft concerns. 

I informed them Im happy to comply through secure and legal methods just not by submitting a photo of my SSN card. Despite this, they have now threatened to close my personal account ( which is in good standing ) and confiscate my XXXX miles if I dont upload a photo of my SSN card. 

This seems unreasonable, excessive, and coercive. Under federal law and industry standards, I should be allowed to verify my identity through other government documents. Retaliating by closing my personal account completely unrelated to the business application appears punitive and unfair. 

Im requesting that Capital One : Stop the threatened closure of my personal account Accept standard identity verification alternatives ( e.g., W-2 or 1099 ), and Guarantee that I will not lose access to the XXXX miles I earned.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and unauthorized information currently reported in my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data field reporting standards, you are required by law to ensure that all information furnished is XXXX XXXX accurate, fully verifiable, and compliant with federal reporting regulations. 

The delinquency and derogatory remarks being reported against me are unsubstantiated and lack documented proof. Reporting unverifiable data violates 15 U.S.C. 1681i ( a ), 15 U.S.C. 1681s-2 ( b ), and Metro 2 compliance guidelines. You are legally obligated to conduct a reasonable investigation, verify each disputed item with valid, original source documentation, and provide me with certified evidence of the accounts lawful accuracy, permissible purpose, and authorized reporting. 

Failure to provide such evidence constitutes willful noncompliance, actionable under 15 U.S.C. 1681n and 1681o, and exposes your organization to statutory and punitive damages. 

I demand that you immediately DELETE any account, collection, or inquiry that can not be fully validated. Below are the items being challenged : Personal Information : Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, IL XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX Employer : XXXX XXXX XXXX NY Accounts Challenged : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Collections Challenged : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Challenged : XXXXXXXX XXXX XXXX XXXXXXXX I further authorize the mailing of all physical documentation supporting your investigation findings and any updates to my credit report for my records. 

If you fail to fully validate any of these items, you must DELETE them in their entirety to maintain compliance with federal law.

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: MS

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX sending this because my TransUnion credit report still has personal information thats inaccurate and needs to be fixed. First, there are XXXX old addresses showing that shouldve been removed already : XXXX XXXX XXXX, XXXX, NJ XXXX and XXXX XXXX XXXX, XXXX, NJ XXXX. These are outdated and should not be part of my file anymore. Second, theres an incorrect employer XXXX XXXX XXXX needs to be deleted. My correct employer, XXXX XXXX XXXX XXXX, is already listed and accurate, so theres no reason for anything else to be showing. TransUnion is supposed to make sure everything they report is as accurate as possible, as required by 15 U.S.C. 1681e ( b ). Keeping the wrong addresses and employer info on my report can affect my credit, confuse lenders, and cause problems when I apply for things like loans or housing. It also violates 15 U.S.C. 1681b, which says credit info should only be shared for legitimate reasons. Not fixing this kind of mistake can lead to penalties under 15 U.S.C. 1681n and 1681o, including {$1000.00} per violation. I want this fixed right away.

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 — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
CFPB CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : 1- WELLS FARGO BANK, XXXX XXXXXXXX 2- WELLS FARGO BANK XXXX XXXX XXXX 3-WELLS FARGO BANK, XXXX XXXX XXXX the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOCIAL SECURITY # 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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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:
" 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a formal NOTICE OF DISPUTE pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and Metro 2 Compliance Reporting Standards.

Upon my thorough review of my credit file, I have identified multiple reporting violations that directly violate my consumer rights. The following accounts are being challenged for immediate permanent deletion : DPT ED/XXXX - XXXX XXXX - XXXX DPT ED/XXXX - XXXX LEGAL VIOLATIONS IDENTIFIED : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of any disputed information. Failing to properly verify these accounts with actual evidence constitutes willful non-compliance.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) : In the absence of complete and verifiable documentation, these accounts must be permanently DELETED from my credit report.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) - ( E ) : Furnishers must investigate and correct any inaccurate or incomplete information supplied to you. If you continue to publish unverifiable data, you are actively violating this statute.

Metro 2 Compliance : The data fields being reported fail to meet Metro 2 reporting standards which require full accuracy, consistency, and verifiability. Incomplete fields, unverifiable balances, or lack of documented proof violates industry standard reporting guidelines.

Failure to Process Individual Disputes ( 15 U.S.C. 1681i ) : I am aware of your illegal practice of responding to legitimate disputes with form letters and template responses. The FCRA requires each dispute to be handled individually and based on its own merit. Automated or blanket responses that disregard the specific facts Ive submitted is non-compliant and actionable.

Additionally, I demand that you DELETE any and all unauthorized employment information and outdated contact numbers attached to my file. You do not have my consent to report any inaccurate, obsolete, or unverifiable personal information.

FINAL DEMAND : You have 30 days to comply with this dispute. If you fail to verify with actual documented evidence ( not screenshots or screenshots of data entries ) or fail to delete the accounts permanently, you will leave me no choice but to escalate this matter by filing : Formal CFPB complaints FTC complaints Attorney General complaints Civil litigation for willful violations under 15 U.S.C. 1681n, where statutory damages, attorney fees, and punitive damages may be pursued.

I demand that you send me written confirmation detailing the investigation results along with an updated credit report reflecting the permanent deletion of these accounts. This demand is non-negotiable.

Failure to comply will be documented as willful non-compliance and pursued accordingly.

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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 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: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX XXXXXXXX CA XXXX ACCOUNTS : XXXX  XXXX - Account Number : 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 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

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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at XXXX  that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX XXXX If they fail to do so, these items must be removed from my report. 

As more than XXXX XXXX have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX XXXX XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX XXXX If they fail to do so, these items must be removed from my report. 

As more than XXXX XXXX have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX XXXX XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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