vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Experian : XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX, Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX, Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXXE Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX. Also the following inquiries were unauthorized XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-05 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION XXXXB ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
my card ending XXXX did not go through twice - 1st time during my internal trip and the second time in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Citi Reference 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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year>. 

I recently became a XXXX XXXX XXXX  at the end of XXXX, motivated largely by the advertised travel benefitsespecially complimentary lounge access for myself and my family. This benefit was clearly outlined at the time I applied and paid the {$390.00} annual membership fee, forming a key part of the agreement and value that Capital One presented. 
I was very disappointed to learn of upcoming changes to the lounge access policy, including the introduction of additional fees for authorized users and family members. This not only alters the benefits I was promised upon joining, but it also creates an unexpected and unfair financial burden for primary cardholdersespecially those traveling with family, who now face added costs or reduced convenience. 
Capital One has an obligation to honor the benefits that were clearly stated when existing cardholders joined and paid the annual fee. Modifying those benefits so soon after enrollment is frustrating and feels like a breach of the original agreement. At the very least, I urge you to honor the original lounge access terms for existing cardholders throughout the current membership year. 
I hope Capital One will seriously consider the impact of these changes on its customers and take steps to preserve the trust and value it has built.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX  XXXX SS XXXX EXPERIAN TRANSUNION EQUIFAX XXXX Todays day I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX XXXX Account Number XXXX : ) Please show me documentation from the creditor such as statements showing I was in fact late otherwise update this late payment to paid as agreed After you have finished my request, send me a copy of my credit report reflecting these changes. 




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 non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX  XXXX SS XXXX EXPERIAN TRANSUNION EQUIFAX XXXX Todays day I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX XXXX Account Number XXXX : ) Please show me documentation from the creditor such as statements showing I was in fact late otherwise update this late payment to paid as agreed After you have finished my request, send me a copy of my credit report reflecting these changes. 




XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section XXXXB of the FCRA ( XXXX U.S.C. 
XXXX ( a ) ), I demand blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
Two accounts appeared on my credit report that I did not authorize or open. The first is a collection account from XXXX XXXX XXXX for {$1200.00} & {$1300.00}, and the second is a collection account from XXXX XXXX for {$220.00}, which was reported as opened on XXXX/XXXX/2025. I have never done business with either company and did not consent to anyone opening these accounts on my behalf. 

I discovered the accounts while reviewing my credit report and immediately filed disputes with the credit reporting agencies. I also filed an identity theft report with the Federal Trade Commission. Despite these actions, the accounts remain on my credit file, negatively impacting my credit score and my ability to secure credit. 

I am requesting that these accounts be fully investigated and permanently removed from my credit reports. These are fraudulent or erroneous entries, and I am not responsible for the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
Two accounts appeared on my credit report that I did not authorize or open. The first is a collection account from XXXX XXXX XXXX for {$1200.00} & {$1300.00}, and the second is a collection account from XXXX XXXX for {$220.00}, which was reported as opened on XXXX/XXXX/2025. I have never done business with either company and did not consent to anyone opening these accounts on my behalf. 

I discovered the accounts while reviewing my credit report and immediately filed disputes with the credit reporting agencies. I also filed an identity theft report with the Federal Trade Commission. Despite these actions, the accounts remain on my credit file, negatively impacting my credit score and my ability to secure credit. 

I am requesting that these accounts be fully investigated and permanently removed from my credit reports. These are fraudulent or erroneous entries, and I am not responsible for the debts.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Suttell, Hammer & White, P.S
State: OR

Complaint narrative:
XXXX XXXX XXXXXXXX filed a civil case against me in XXXX XXXX, Oregon, which resulted in a judgment on XX/XX/XXXX, for a debt totaling {$8600.00}. The case was closed and made no mention of wage garnishment. 

On XX/XX/XXXX, I received a letter from a law firm called Suttel & Hammer ( address below ) claiming they were collecting on that judgment and stating that my wages at my current job would be garnished. They referenced the original court case number and pressured me to begin payments immediately. I subsequently made a payment of {$2000.00} to them. 

At the time, I did not verify the court records. After reviewing the case, I realized : Suttel & Hammer is not listed as a party or attorney of record on the case. 

The case includes no garnishment order. 

The case was filed and closed in XXXX, but I did not begin working at my current job until XX/XX/XXXX. 

The garnishment documents they sent were signed by XXXX XXXX XXXX, XXXX, but they appear inconsistent with Oregon law. For example, the letter stated that 75 % of my take-home wages would be garnished, when Oregon law limits garnishment to 25 % of disposable income. Additionally, I was told over the phone that my employer had already received the garnishment however, my employer has confirmed they have not received anything from this firm. 

I now question whether Suttel & Hammer actually owns or is authorized to collect this debt. They may have accessed the court record and used it to falsely represent themselves as authorized collectors and fabricate garnishment documents to intimidate me into paying. 

Their tactics including threats, misleading legal documentation, and pressure to pay were deceptive and coercive. 

Firm Info : Suttel & Hammer XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section XXXXB of the Fair Credit Reporting Act.

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 2025-06-05 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: SC

Complaint narrative:
Today I realizd that I have never given any Creditor or credit bureau toreport non public personals or private information without my permission. This has caused me to be denied a line of credit. I am aware that everything reporting on my consumer report have to be accurate and complete. Well the reporting of the accounts listed on my consumer report report is inaccurate. The credit bureau committed fraud when they furnish my personal information on a public platform. 

This type of action is a violation of my right for privacy. I am applauded by the illegal actions committed by the third party affiliated. According the Grammar Leach Bailey Act, my right for privacy must be protected to all third partirs and that includes all credit bureaus. I am wondering where is the documentation where I signed for the credit bureaus to furnish any personal information. There is no docomentation give. In the beginning of any application of loan or credit I was not given the option to opt for sharing my personal information. After I realized that I have been violated I am stating on records now that I am opting for sharing all of my personal information to the credit bureaus. According to FCRA Section 605 it is illegal for any one to report information on a consumer without consent. Therefore, I have filed an FTC report for the credit bureaus to remove all accounts listed within the FTC report attached below. Itf these accounts are not reloved I will pursue legal actions against all credit bureaus who violated my right for privacy

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 2025-06-05 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: SC

Complaint narrative:
Today I realizd that I have never given any Creditor or credit bureau toreport non public personals or private information without my permission. This has caused me to be denied a line of credit. I am aware that everything reporting on my consumer report have to be accurate and complete. Well the reporting of the accounts listed on my consumer report report is inaccurate. The credit bureau committed fraud when they furnish my personal information on a public platform. 

This type of action is a violation of my right for privacy. I am applauded by the illegal actions committed by the third party affiliated. According the Grammar Leach Bailey Act, my right for privacy must be protected to all third partirs and that includes all credit bureaus. I am wondering where is the documentation where I signed for the credit bureaus to furnish any personal information. There is no docomentation give. In the beginning of any application of loan or credit I was not given the option to opt for sharing my personal information. After I realized that I have been violated I am stating on records now that I am opting for sharing all of my personal information to the credit bureaus. According to FCRA Section 605 it is illegal for any one to report information on a consumer without consent. Therefore, I have filed an FTC report for the credit bureaus to remove all accounts listed within the FTC report attached below. Itf these accounts are not reloved I will pursue legal actions against all credit bureaus who violated my right for privacy

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 2025-06-05 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:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB XXXX U.S.C. XXXX that you the Equifax 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 perminently.This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX. This account have resulted in fraudulent collection appearing on my consumer FICO credit report. I've attached the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collection, as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirie are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. I request, pursuant to FCRA XXXXB XXXX U.S.C. XXXXc-2 that the Equifax credit reporting agency block this account, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint permanently. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. Failure to comply with federal law will result in legal actions against your agency. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief