vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: KY

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 2025-12-23 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: TX

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by 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 2025-12-23 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:
Please look over the enclosed materials ; the inquiries came in unexpectedly and may not be approved.

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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: FL

Complaint narrative:
XXXX through XX/XX/year> calls everyday from multiple numbers. I told them to stop calling everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
This has been a reoccurring issue since I found out about this acct in XX/XX/year>. When I was made aware of this fraudulent acct being opened in my name. I contacted the company and paid the debt in full and was assured that all credit reporting for this acct would be stopped and the acct would be placed in a cease and desist status. I have filed a police report with my local police department as well as multiple complaints with the CFPB and FTC. And both police reports and ftc reports have been sent to capital one regarding Acct # XXXX. Even after all of this they continue to re insert this item on my credit report. This is absolutely ridiculous that I would have to continue to fight this after providing beyond reasonable doubt that this acct is not mine and in fact is fraudulent. I have reached my limit with this and if this continues I will have to involve the FBI. This is illegal and violates my rights as well as breaks several credit laws set in place by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: WA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: GA

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by 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 non-monetary relief
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : 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 2025-12-23 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: MN

Complaint narrative:
CEASE AND DESIST NOTICE ( Fair Credit Reporting Act 15 U.S.C. 1681 et seq. ) Your Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX __________________________ City, XXXX, ZIP : XXXX XXXX MN XXXX Date of Birth : XXXX / XXXX / XXXX SSN ( last XXXX ) : XXXX Date : XXXX Sent via Certified Mail Return Receipt Requested To : [ Equifax / Experian / TransUnion ] [ Correct Bureau Address ] NOTICE TO CEASE AND DESIST UNLAWFUL REPORTING AND COMMUNICATION To Whom It May Concern, This letter serves as formal notice that I am demanding you CEASE AND DESIST from any further reporting, verification, reinsertion, dissemination, or communication of any inaccurate, unverified, or unlawfully reported information contained within my consumer credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure maximum possible accuracy of any information you publish. You are also prohibited from reporting information that can not be verified with competent evidence, including a proper investigation pursuant to 1681i ( a ). 

You are hereby placed on notice of the following : Any account that has been disputed, unverified, fraudulent, obsolete, incomplete, or legally unenforceable must be deleted immediately. 

Continued reporting of such information after notice constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. 

You are not authorized to reinsert any previously deleted account without full compliance with 1681i ( a ) ( 5 ) ( B ), including advance written notice to me. 

Any communication or reporting that causes reputational, financial, or emotional harm after receipt of this notice will be considered harassment and unlawful conduct. 

This letter also constitutes a revocation of consent for any continued reporting of disputed or unverified data. You are instructed to cease all such activity immediately. 

Failure to comply within 15 days of receipt of this notice will leave me no choice but to pursue all available legal remedies, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) Initiating civil action for statutory damages, actual damages, punitive damages, and costs This notice is not a refusal to pay, nor an admission of liability. It is a lawful demand for compliance. 

Govern yourselves accordingly. 

Sincerely, 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
CEASE AND DESIST NOTICE ( Fair Credit Reporting Act 15 U.S.C. 1681 et seq. ) Your Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX __________________________ City, XXXX, ZIP : XXXX XXXX MN XXXX Date of Birth : XXXX / XXXX / XXXX SSN ( last XXXX ) : XXXX Date : XXXX Sent via Certified Mail Return Receipt Requested To : [ Equifax / Experian / TransUnion ] [ Correct Bureau Address ] NOTICE TO CEASE AND DESIST UNLAWFUL REPORTING AND COMMUNICATION To Whom It May Concern, This letter serves as formal notice that I am demanding you CEASE AND DESIST from any further reporting, verification, reinsertion, dissemination, or communication of any inaccurate, unverified, or unlawfully reported information contained within my consumer credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure maximum possible accuracy of any information you publish. You are also prohibited from reporting information that can not be verified with competent evidence, including a proper investigation pursuant to 1681i ( a ). 

You are hereby placed on notice of the following : Any account that has been disputed, unverified, fraudulent, obsolete, incomplete, or legally unenforceable must be deleted immediately. 

Continued reporting of such information after notice constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. 

You are not authorized to reinsert any previously deleted account without full compliance with 1681i ( a ) ( 5 ) ( B ), including advance written notice to me. 

Any communication or reporting that causes reputational, financial, or emotional harm after receipt of this notice will be considered harassment and unlawful conduct. 

This letter also constitutes a revocation of consent for any continued reporting of disputed or unverified data. You are instructed to cease all such activity immediately. 

Failure to comply within 15 days of receipt of this notice will leave me no choice but to pursue all available legal remedies, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) Initiating civil action for statutory damages, actual damages, punitive damages, and costs This notice is not a refusal to pay, nor an admission of liability. It is a lawful demand for compliance. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the following accounts on my credit report that I believe are being reported inaccurately. I am requesting that you investigate and correct these errors. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Late Payments : XXXX 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/2025, or XX/XX/2025, a TJX credit card was opened and used at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX T.J. Maxx store for approximately {$950.00}. This account was fraudulently opened using my identity.

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I have received multiple phone calls from various agents of Harris & Harris asking to collect a debt by another XXXX XXXX who lives in a different part of Texas. This is for an electric bill with a company I do NOT have an account with. I have verified this with the electric company. Every time the debt collection agent calls, I explain that they have the wrong contact information for this person and they need to cease calling me. They assure me they will remove my phone number from their call list, yet they continue to call repeatedly. 

I am a physician & must answer calls from numbers I do not recognize. This occurs during work hours and is disruptive to my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX  XXXX XXXX or its agents contacted a third party, XXXX XXXX, who is unrelated to my account, regarding an alleged debt of mine. This unauthorized contact occurred on multiple occasions, including XX/XX/year>, as evidenced by text messages I received from XXXX XXXX. The third party had no responsibility for my account and did not provide any information to XXXX  XXXX XXXX. 

In addition, XXXX XXXX had to contact my relative, XXXX XXXX XXXX XXXX, to relay information, which exposed my personal banking information to someone I did not authorize. I had previously asked XXXX  XXXX XXXX to stop contacting my relatives and to safeguard my personal financial information, but these instructions were ignored. 

This constitutes unauthorized third-party contact in violation of the Fair Debt Collection Practices Act 1692c ( b ) and potentially California privacy laws. I am submitting this complaint to request that CFPB investigate and ensure that XXXX XXXX XXXX ceases unauthorized contact with unrelated third parties and complies with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief