vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
I am writing to formally dispute the accuracy and legality of a collection account appearing on my credit report under the name XXXX ACCOUNT ( Private ), DATE OPENED : XXXX XXXX, BALANCE : {$940.00}. I did not authorize, acknowledge, or initiate any debt with this company, nor was I ever informed or notified of their intent to report this alleged account to your agency. This entry was made without my consent, without proper validation, and without following due process under the Fair Credit Reporting Act ( FCRA ).

Violations and Legal Grounds : Under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report. The reporting of this unverified, unauthorized debt constitutes a failure to uphold this responsibility.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute, you are required to conduct a reasonable reinvestigation. I am demanding that you initiate such reinvestigation now and delete this entry if the furnisher can not fully validate the debt with original documentation, including a signed contract bearing my name. 


I also assert my rights under 15 U.S.C. 1681c-2, which allows a consumer to request a block of information resulting from identity theft. This account is not mine, was never authorized, and its appearance on my credit profile is enabling identity fraud.

This alleged debt may be the result of identity theft as I am a victim of the Equifax Data Breach, and your reporting of this information without verified consent may expose you to legal liability under the FCRA. The collection agency in question has also failed to notify me in writing within 5 days of reporting, as required under 15 U.S.C. 1692g ( a ) of the FDCPA.

I am formally requesting : Immediate deletion of this collection account from my credit report. 


A complete investigation into the accuracy and legitimacy of this account, including obtaining full verification from the data furnisher. 


A statement of results and a new copy of my credit report reflecting the removal or correction. 


If you fail to properly investigate or continue reporting this unverifiable debt, I will be forced to file complaints with the XXXX, the State Attorney General, and pursue legal action for statutory damages. 
Please consider this a final formal dispute under the FCRA. I expect resolution within the legally mandated time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information.

This conduct is in direct violation of federal law and my consumer rights. The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 

You are hereby given 30 days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to XXXX U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them removed immediately. 

XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$2000.00} INACCURATE DATA : XXXX XXXX : XX/XX/XXXX {$200.00} XXXX {$250.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX  : XX/XX/XXXX {$1300.00}

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I disputed a Capital One credit card tradeline with a balance of approximately {$1300.00} on XXXX  because it was missing reporting for XXXX and XX/XX/2025, and it did not reflect a payment I made in XX/XX/2025 under a payment arrangement. 

I mailed my dispute letter to XXXX  on XXXX, XX/XX/2025, and just three days later, on XXXX, XX/XX/XXXX, the account was suddenly updated to closed, and XXXX and XXXX reporting was added. However, the XXXX payment I made still is not showing, and this update caused my credit score to drop by XXXX points. 

The timing strongly suggests XXXX  only updated the tradeline after receiving my dispute and failed to verify or investigate the missing payment or timeline discrepancies. 

In addition, XXXX  and XXXX  have not been updated at all, which makes the reporting inconsistent across bureaus a violation of FCRA and XXXX XXXX  guidelines requiring furnishers to report accurately and uniformly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts 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 TX XXXX Please delete and block the following accounts from my credit report Accounts 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 : {$0.00} 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 : {$8300.00}

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> I was a victim of on line fraud. I thought I was talking with an XXXX representative and he was a scammer. This person got into my phone and took {$1300.00} from my Chime bank account and said I sent him {$1300.00} for rent and his name was XXXX. I Don't associate with anyone by that name. I went to the police have a report and sent Chime all my documents proving I didn't allow this charge to my account and sent them my real landlords info. They don't believe me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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 conviction 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 non-monetary relief
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Three years ago, a best buy purchase was made with deferred interest, which ended in XXXX. No updates or emails were sent to notify the end of the promotional period. XXXX, a XXXX  XXXX, mentioned that the information is on the statement, but no statements are sent ; everything is available online where everything is automated, and again no communication is sent. I requested a reversal of the interest, but it was denied because it wasn't within 60 days, despite no actual attempt to address the issue. The interest charged is nearly as much as the entire purchase, even though only a few XXXX XXXX  were left on the deferred amount. This situation exemplifies credit card corruption at its finest.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal 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 XXXXXXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$750.00} Inquiries EXPERIAN XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-28 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: FL

Complaint narrative:
Dear CFPB Representative, I am formally disputing an erroneous item on my credit report, as it does not reflect accurate or verifiable information. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), all credit reporting agencies and furnishers are legally obligated to report only accurate information. As this entry is demonstrably incorrect, I demand its immediate removal to prevent further harm to my credit profile. 

Disputed Item Details : Creditor/Agency Name : First Premier Bank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Report : XX/XX/year> Under 15 U.S.C. 1681i ( a ) ( 5 ), any credit report item that is found to be inaccurate, incomplete, or unverifiable must be deleted. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) mandates that furnishers must correct erroneous information upon receiving notice.

As required by 15 U.S.C. 1681i ( a ) ( 1 ), I expect a written resolution within 30 days from the date of this letter. If corrective action is not taken, I am prepared to escalate the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and seeking legal remedies if necessary. 

I appreciate your immediate attention to this matter and request written confirmation of the removal. From my TransUnion & XXXX  Credit Reports

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 2025-05-28 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 CFPB Representative, I am formally disputing an erroneous item on my credit report, as it does not reflect accurate or verifiable information. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), all credit reporting agencies and furnishers are legally obligated to report only accurate information. As this entry is demonstrably incorrect, I demand its immediate removal to prevent further harm to my credit profile. 

Disputed Item Details : Creditor/Agency Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Report : XX/XX/year> Under 15 U.S.C. 1681i ( a ) ( 5 ), any credit report item that is found to be inaccurate, incomplete, or unverifiable must be deleted. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) mandates that furnishers must correct erroneous information upon receiving notice.

As required by 15 U.S.C. 1681i ( a ) ( 1 ), I expect a written resolution within 30 days from the date of this letter. If corrective action is not taken, I am prepared to escalate the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and seeking legal remedies if necessary. 

I appreciate your immediate attention to this matter and request written confirmation of the removal. From my XXXX  & Experian Credit Reports

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Called asked for debt validation under 15usc1692g which is a copy of original sign contract with my name, Have there been a insurance claim on this debt, chain of title to collect this debt & the full payment history of the debt

Company response to consumer: Closed with explanation