vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email from XXXX XXXX this morning saying that there was a new hard inquiry on my credit report. I then checked my credit report and saw that there was a hard inquiry from Capital One. I called Capital One and a representative told me that someone had tried to open a XXXX XXXX credit card under my name this morning online. Capital One marked it as fraud and directed me to this website to document the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX emailed a balance of {$4300.00}, including an unexplained Other charge of {$1800.00}. 
XXXX I disputed by email and requested itemization. They acknowledged but never provided documentation. 
~Mid-Nov XXXX ( 8 days later ) The account was placed with XXXX XXXX XXXX and began reporting as a collection to the credit bureaus while still unvalidated. 
This is unlawful collection/furnishing without validation under FDCPA 15 U.S.C. 1692g ( b ) ( must cease collection until verification ), and improper furnishing of disputed information ( 1692e ( 8 ) requires disputed status ). 
As a furnisher, XXXX XXXX XXXX XXXX XXXX duties under FCRA 15 U.S.C. 1681s-2 ( a ) ( accurate furnishing ) and, after any CRA dispute , 1681s-2 ( b ) ( reasonable investigation ; correct/delete if inaccurate/unverifiable ). 
XX/XX/XXXX TransUnion received my written dispute of the XXXX XXXX XXXX collection for {$4300.00} ( XXXX XXXX XXXX. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), TU had 30 days to conduct a reasonable reinvestigation ; if the item is inaccurate/incomplete or can not be verified, TU must delete or modify it ( 1681i ( a ) ( 5 ) ( A ) ). TU must also provide written results within 5 business days of completion ( 1681i ( a ) ( 6 ) ) and, on request, the method of verification ( 1681i ( a ) ( 7 ) ).

08/16/2025 The tradeline shows updated and the remark Account information disputed by consumer meets FCRA requirements. 
XX/XX/XXXX I logged into the TransUnion Dispute Service Center ; it stated no disputes found/completed. I have not received any mailed investigation results. 
TUs failure to provide timely reinvestigation results violates FCRA 1681i ( a ) ( 6 ) ; if the item could not be verified within the 30-day window ( plus any permitted 15-day extension ), it must be deleted under 1681i ( a ) ( 5 ) ( A ). If later reinserted, TU must obtain written certification from the furnisher and notify me within 5 business days ( 1681i ( a ) ( 5 ) ( B ) ).

Bottom line : the debt was disputed and unvalidated when furnished ; TransUnion then failed to complete and provide results of a reinvestigation within 30 days while the item continued to 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 2025-08-29 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, 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 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days 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, Experian, and TransUnion 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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Remex, Inc.
State: NJ

Complaint narrative:
I keep receiving calls from an apparent debt collector at ( XXXX ) XXXX, which is apparently Remex Inc. at XXXX XXXX XXXX in XXXX, NJ XXXX. They last called on XX/XX/year> at XXXX. However, they always call from an unknown number that just hangs up before the first ring and immediately leaves me a voicemail calling me by the wrong name ( XXXX, I am a woman ) and providing the number to call back. I ended up calling the number after the second time they called as I thought this seemed like a red flag rather than a mistake after googling their company, and based off my conversation with the customer service agent, these voicemails seem like a specific tactic to seem like a wrong number call so they can get you to call the line and end up giving them your real information instead - she IMMEDIATELY confirmed they actually were trying to contact a different person, rattling off the full name and phone number of the person they were trying to reach before I could confirm or deny - so theyre also disclosing clients contact info to callers at random, which reminds me of the nasty harassment debt collectors used to do, calling peoples jobs and neighbors etc. This seems like an extremely unscrupulous, scammy way to attempt to collect a debt as they left me a voicemail that deliberately had what must be the wrong name for 99 % of people they try to get to pay up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-08-29 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 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 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, 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 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days 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, Experian, and TransUnion 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 explanation
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
Upon receiving my free credit report, I noticed that there were a few items that were on my credit file that were not applied for by me nor did I benefit from them. I immediately knew that my information was jeopardized due to an incident at my relative 's house I noticed that my luggage had been ransacked, and I was missing a few clothing items as well as my driver 's license and other important documents. I recently followed up with the credit bureaus and they told me that the below accounts were opened in my name as well as inquiries to obtain credit which I responded that they were done fraudulently. These are the accounts and the inquiry dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-08-29 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
Atlantic Recovery Solutions going by XXXX calls multiple times a day from various spoofed numbers. Last call was this morning XX/XX/year> after they called yesterday XX/XX/year> to myself and then to my husband 's number. I called back yesterday and left message to XXXX XXXX to stop calling. They are not permitted to call me, my family, my place of work or anyone known to me. Give them my address twice and told them to send me full details of debit owed. 

They have been threatening. Have stated it's a legal matter I need to hand immediately. Repeatedly call from numbers not related to the company. I have also gone on their website and filed complaints with the company and no written response from them. 

The continue to violate my consumer rights and never send the information I request.

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 2025-08-29 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:
XXXX XXXX XXXX XXXX XXXX TER XXXX, FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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. 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
Consumer complaint received 2025-08-29 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: WI

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 2025-08-29 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: WI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
They say I owe and I do not owe they said I deposited a check which I didnt they cant even see my signature and I clearly told them I didnt do anything I did not deposit a check anything I ever deposited was good why would I have my account all this time and then mess my account up and I was in the hospital with XXXX when I found out about a transaction that I did not do I did not have access to my card I told them my account had to be hacked because I did not do this and this is a pnc bank account that is on my consumer account with early warning service Ive disputed this XXXX and nothing at all this needs to be removed its stopping a lot things

Company response to consumer: Closed with explanation