vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this formal complaint against the three nationwide credit reporting agencies for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes submitted throughout XXXX, including my most recent on XX/XX/XXXX, the bureaus continue to report inaccurate and unverifiable information on my credit file. 

Each bureau has returned responses claiming the accounts were verified, yet they have refused to provide the legally required method of verification as outlined under 15 U.S.C. 1681i ( a ) ( 7 ). This omission directly violates my consumer rights and demonstrates a lack of compliance with the FCRA. 

Disputed Accounts That Remain Unresolved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Violations by the Bureaus Include : 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation. 

15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the required method of verification.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of consumer reports. 

Harm and Impact : Because of these repeated failures, my credit file remains inaccurate, causing me financial harm and obstructing my ability to fairly access credit opportunities. Despite giving the bureaus multiple opportunities to correct these errors, they have shown willful disregard for their obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this formal complaint against the three nationwide credit reporting agencies for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes submitted throughout XXXX, including my most recent on XX/XX/XXXX, the bureaus continue to report inaccurate and unverifiable information on my credit file. 

Each bureau has returned responses claiming the accounts were verified, yet they have refused to provide the legally required method of verification as outlined under 15 U.S.C. 1681i ( a ) ( 7 ). This omission directly violates my consumer rights and demonstrates a lack of compliance with the FCRA. 

Disputed Accounts That Remain Unresolved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Violations by the Bureaus Include : 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation. 

15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the required method of verification.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of consumer reports. 

Harm and Impact : Because of these repeated failures, my credit file remains inaccurate, causing me financial harm and obstructing my ability to fairly access credit opportunities. Despite giving the bureaus multiple opportunities to correct these errors, they have shown willful disregard for their obligations under 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Urgent Identity Theft and Failure to Respond by Credit Reporting Agencies To Whom It May Concern : I am submitting this follow-up regarding my complaint against TransUnion, Experian, and Equifax. These credit reporting agencies have failed to provide a proper rebuttal or resolution to my complaint regarding identity theft, inaccurate/illegal reporting, and the fraudulent use of my personal information. Also I was part of a data breach from each credit reporting. 

It has been beyond the 15- and 30-day timeframes for a substantive response, and yet my concerns remain unresolved. These agencies continue to report fraudulent information on my credit reports despite my dispute and evidence of identity theft.

Furthermore, I am a victim of the Equifax data breach, which directly compromised my personal information. This breach has contributed to the identity theft I am now experiencing. I am demanding that the CFPB enforce the law an
d require TransUnion, Experian, and Equifax to : 1. Immediately remove all fraudulent and illegally reported information from my credit files.

2. Provide me with written confirmation that my reports have been corrected.

3. Cease reporting any accounts that are tied to identity theft.

This is not only a matter of compliance with the Fair Credit Reporting Act ( FCRA ), but also my right as a victim of identity theft to have these false accounts and derogatory items removed. I respectfully request urgent intervention to ensure that my credit files are wiped clean of fraudulent activity caused
by identity theft and the Equifax breach.

Thank you for your immediate attention.

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 2025-09-21 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: TX

Complaint narrative:
Subject : Urgent Identity Theft and Failure to Respond by Credit Reporting Agencies To Whom It May Concern : I am submitting this follow-up regarding my complaint against TransUnion, Experian, and Equifax. These credit reporting agencies have failed to provide a proper rebuttal or resolution to my complaint regarding identity theft, inaccurate/illegal reporting, and the fraudulent use of my personal information. Also I was part of a data breach from each credit reporting. 

It has been beyond the 15- and 30-day timeframes for a substantive response, and yet my concerns remain unresolved. These agencies continue to report fraudulent information on my credit reports despite my dispute and evidence of identity theft.

Furthermore, I am a victim of the Equifax data breach, which directly compromised my personal information. This breach has contributed to the identity theft I am now experiencing. I am demanding that the CFPB enforce the law an
d require TransUnion, Experian, and Equifax to : 1. Immediately remove all fraudulent and illegally reported information from my credit files.

2. Provide me with written confirmation that my reports have been corrected.

3. Cease reporting any accounts that are tied to identity theft.

This is not only a matter of compliance with the Fair Credit Reporting Act ( FCRA ), but also my right as a victim of identity theft to have these false accounts and derogatory items removed. I respectfully request urgent intervention to ensure that my credit files are wiped clean of fraudulent activity caused
by identity theft and the Equifax breach.

Thank you for your immediate attention.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXXXXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a personal checking account with Citi Bank on XX/XX/year>. Ive made normal banking transactions and deposits into my account. On XX/XX/year> I was notified by Citi Bank that they are closing my account without specific reason and would not release any remaining funds in my account until 60 days.

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 2025-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
i was in a car accident not my fault i had to go to the XXXXXXXX  later on i gave the XXXX the claim number for the person insurance now they are demanding that i pay and has put the account in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently ive reviewed my credit report, and ive noticed that address XXXX XXXX XXXX XXXX, XXXX, XXXX is reported on my profile and ive never lived at this location. And its accounts attached to this address ive never lived. THE ONLY ADDRESS THAT SHOULD BE LISTED IS XXXX XXXX XXXX XXXX XXXX, NC 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 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a debt with capital one. I fell behind and it went into collections. I was offered a settlement at XXXX and I didnt have enough money. A few months later it was sent to a collection agency that claimed they were a law firm and they were filing a law suit and doubled the amount owed to over XXXX. They claimed to be working with capitol one and said I had 30 days to pay it or they would garnish my wages. I agreed to pay XXXX to settle the debt in full and delete from my credit report. I paid it and capital one did not delete anything. Its still in my credit report. I went to the court system to found out the there was never a law suit and all of this was a lie. They lied to me when I spoke to them on the phone and when I called capital one directly, they said they couldnt help me with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint against the three nationwide credit reporting agencies for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple disputes throughout XXXX, including my most recent on XX/XX/XXXX, the credit bureaus continue to report inaccurate and unverifiable accounts in my credit file. 

Each bureau has responded with claims that these accounts were verified, but they have not provided the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes a direct violation of my rights under federal law. 

Disputed Accounts Still Reported as Verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failures by the Bureaus : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the required method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of consumer credit files.

Harm to Consumer : Because of the bureaus refusal to comply, my credit report remains inaccurate, which has negatively impacted my financial standing and access to fair credit opportunities. These repeated violations show a pattern of negligence and disregard for federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited several of my checks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the last check {$1900.00} I deposited XX/XX/XXXX. They froze all my funds in the account and wont let me have access to them. I called several times and they told me to take my boss all the way out of town to one of their cafes to verify he wrote the check. This is simply not possible. It is a 45 min each way drive to their nearest location. The account holder XXXX XXXX went to his bank and verified each check with them. I called them several more times and told them he had done this and they just need to verify with his bank and they just keep telling me it is still under investigation. I told capital one I felt someone had dropped the ball because its just a simple call to XXXX  To verify that he personally went ahead and verified the checks with them. They still refuse to lift the restriction and do nothing to further investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: LA

Complaint narrative:
I am submitting this complaint against the three nationwide credit reporting agencies for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple disputes throughout XXXX, including my most recent on XX/XX/XXXX, the credit bureaus continue to report inaccurate and unverifiable accounts in my credit file. 

Each bureau has responded with claims that these accounts were verified, but they have not provided the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes a direct violation of my rights under federal law. 

Disputed Accounts Still Reported as Verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failures by the Bureaus : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the required method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of consumer credit files.

Harm to Consumer : Because of the bureaus refusal to comply, my credit report remains inaccurate, which has negatively impacted my financial standing and access to fair credit opportunities. These repeated violations show a pattern of negligence and disregard for federal consumer protection laws.

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 2025-09-21 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: LA

Complaint narrative:
I am submitting this complaint against the three nationwide credit reporting agencies for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple disputes throughout XXXX, including my most recent on XX/XX/XXXX, the credit bureaus continue to report inaccurate and unverifiable accounts in my credit file. 

Each bureau has responded with claims that these accounts were verified, but they have not provided the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes a direct violation of my rights under federal law. 

Disputed Accounts Still Reported as Verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failures by the Bureaus : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the required method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of consumer credit files.

Harm to Consumer : Because of the bureaus refusal to comply, my credit report remains inaccurate, which has negatively impacted my financial standing and access to fair credit opportunities. These repeated violations show a pattern of negligence and disregard for federal consumer protection laws.

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 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
Rude and nonstop. Persistent for an account that wasn't even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: NC

Complaint narrative:
Recently ive reviewed my credit report, and ive noticed that address XXXX XXXX XXXX XXXX, XXXX, XXXX is reported on my profile and ive never lived at this location. And its accounts attached to this address ive never lived. THE ONLY ADDRESS THAT SHOULD BE LISTED IS XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NC

Complaint narrative:
Recently ive reviewed my credit report, and ive noticed that address XXXX XXXX XXXX XXXX, XXXX, XXXX is reported on my profile and ive never lived at this location. And its accounts attached to this address ive never lived. THE ONLY ADDRESS THAT SHOULD BE LISTED IS XXXX XXXX XXXX XXXX XXXX, NC 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name 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