vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. 

Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) mandates that furnishers remove any information that can not be verified. Under XXXX XXXX. XXXX, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under XXXX, willful violations XXXX subject you to statutory damages and punitive awards. 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 2025-07-30 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:
I have previously disputed multiple times the following accounts that are hurting my credit to the XXXX major credit reporting agencies Experian Equifax and Transunion. The credit bureaus have failed to provide verifiable proof that the alleged accounts and debts belong to me. According to the FCRA Section XXXX ( a ) ( XXXX ) ( A ), it is mandatory for you to verify all accounts posted on a credit report by physically verifying the original signed consumer contract. Otherwise, there is a risk of fraudulent accounts being submitted through fax, mail, or email by anyone using your reporting services. These accounts should be removed immediately! 
XXXX/ Account XXXX XXXXXXXX XXXX/ Account XXXX XXXXXXXX XXXX XXXX Account 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft due to the equifax data breach. I have accounts needing to be removed from my equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
NCB Management Services from XXXX is calling and XXXX  me XXXX  times a day. I have XXXX debt and perfect credit. I ask them why they are calling me and they hang up. Either they have a wrong number or they are calling for my brother who is XXXX and been in a XXXX XXXX XXXX for XXXX yrs. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an TransUnion compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX & XXXXXXXX XXXX XXXXXXXX

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 2025-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I sent a written dispute regarding Capital One Auto Finance account XXXX. My report shows XXXX late payments for XX/XX/year> and XX/XX/year>. I believe XXXX of these lates is incorrect because : I XXXX have had a payment extension ( deferment ) for XXXX of those months. 
My XXXX payment XXXX have caught up the missed XXXX balance, meaning there was only XXXX late cycle, not XXXX. 
I requested that XXXX and Capital One Auto Finance verify these delinquencies with account notes, payment history, and any deferment agreements. They have not provided evidence. 
Under XXXX XXXX. XXXX ( reinvestigation ) and XXXX ( b ) ( furnishers duty to investigate ), unverifiable or inaccurate information must be corrected or removed. 
Requested resolution : Remove the XX/XX/year> late mark if it can not be verified or if it resulted from a granted deferment. If records show only XXXX delinquency, correct the reporting to reflect that single late event. 
Supporting documents ( dispute letter, FTC ID Theft Report XXXX XXXXXXXX, and XXXX XXXX ) are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-07-30 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I woke up to find an unauthorized inquiry on my credit report, and it has left me feeling stressed and confused. I double-checked and refreshed my browser, hoping it was some technical glitch but unfortunately, the issue remains. This needs to be taken seriously and resolved immediately by reviewing all the documents Ive submitted. I dont want to deal with this kind of issue ever again.

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 2025-07-30 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Inability to Close XXXX  Bank Account with U.S. Bank To Whom It XXXX Concern, I am writing to file a formal complaint regarding a XXXX  bank account I opened with U.S. Bank under the name XXXX XXXX. 

Since U.S. Bank  has no physical branches in New York, I have found it inconvenient to maintain the account, especially since I am unable to deposit funds in person. I have not made any transactions on this account and have other active XXXX  banking relationships that meet my needs. Therefore, I attempted to close this account. 

However, my efforts to close the account have been blocked. I spoke with a banker named XXXX, who stated that the account could not be closed because it is inactive. He claimed the banks system would not allow him to proceed with the closure due to the inactivity status. Instead, he suggested I deposit money into the account using mobile check deposit or by mailing a check, solely to keep the account opensomething I find unreasonable, since my intention is to close it. 

I was also informed that the account, which currently holds a balance of {$19.00}, is subject to a $ 5 monthly maintenance fee. If no action is taken, the account will eventually become overdrawn. Once it reaches a negative balance, I was told the bank would begin charging {$35.00} overdraft fees daily, eventually resulting in a balance of several XXXX dollars. If unpaid, the account would be sent to collections and reported to XXXX XXXX severely damaging my XXXX. 

This practice is both unfair and unacceptable. I have made a clear request to close the account and recover the remaining funds. As a customer, I believe I have the legal right to close an account at any time, especially if I am no longer using the service. I can not understand how a bank can continue to withdraw fees, allow the balance to go negative, and then penalize me further while refusing to close the account. 

I respectfully request the following resolution : XXXX closure of the XXXX  bank account associated with XXXX XXXX. 

A mailed check for the remaining balance ( after any applicable final fee ). 

A written confirmation stating that the account has been closed and that I have no further obligations. 

I hope your office can assist in resolving this issue promptly and ensuring U.S. Bank upholds fair consumer practices. 

Sincerely, 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 2025-07-30 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Third CFPB Complaint Letter : Third Complaint Ongoing False Reporting and Misrepresentation by Capital One ( Re : CFPB Case XXXX XXXX & CFPB Case XXXX XXXX ) I am submitting this complaint due to Capital Ones continued false reporting of an account on my credit file, despite documented proof that I am the sole account holder and have made payments on this account. I previously filed two complaints with the CFPB ( Case XXXX XXXX & CFPB Case XXXX XXXXXXXX ), and both were closed because Capital One falsely claimed I was not an authorized user or account holder. 
In both prior submissions, I provided : Proof of identity ( government-issued ID and address ) Bank statements from my XXXX account showing payments made to Capital One A copy of my credit report showing Capital One as reporting this account under my name!! 
On XX/XX/year>, I contacted Capital One at XXXX and spoke with a supervisor named XXXX ( Employee ID : XXXX ). XXXX XXXX confirmed she saw my name as the only one associated with the account. She stated she did not understand why my previous CFPB complaints were rejected and asked me to wait until XXXX, XX/XX/year>, for a callback from Capital Ones internal team. No one ever contacted me as of XX/XX/year> ( close of business day ). Capital One 's refusal to acknowledge me while furnishing derogatory data is deceptive and a VIOLATION OF FCRA 623. 
This is now the third time I am escalating this matter. Capital One has failed to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ), continues to furnish inaccurate information, and is violating XXXX XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
Please assist me in opening an investigation into these accounts, which appear to be reporting erroneous information on my credit report. Under XXXX XXXX, I am officially requesting their removal within XXXX  days. I have provided the appropriate documents for your thorough review. It is also important to note that the reported account data varies and is inaccurate across XXXX  major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Equifax compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
This morning, I discovered several incorrect accounts listed on my credit report, and XXXX unsure why theyre there. I checked my report like I normally do, but this time, unexpected discrepancies appeared. I even refreshed the browser thinking it might be a glitch, but nothing changed. Due to this, I kindly request a thorough review of the documents Ive submitted, so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-30 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: TX

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

Company 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 2025-07-30 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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