vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been attempting to login to my on-line Equifax credit report using my personal credentials for logging in. I have been unsuccessful in doing so. I keep receiving errors and when I attempt to call, their automated system does not recognize my credentials that I am 100 % certain were entered properly to validate my personal information. When I attempt to select to dispute the items in which I am trying to dispute ( XXXX  XXXX -Charge off that has been resolved settled in full ) AND my XXXX XXXX has been paid in full as well but I have no way to getting this information to them since their website has prevented me from even accessing my account or processing my personal request online. Their automated system informs me to go on-line but that does not work for me obviously! Furthermore, it asks that I call, which I have attempted to do as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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 complaint concerns the unlawful reinsertion and failure to properly investigate fraudulent accounts reported by XXXX on my TransUnion credit file, originally addressed in CFPB complaint XXXX XXXX. Despite my prior submission and dispute, the fraudulent accountsspecifically XXXX account XXXX and XXXX, both opened in XXXXhave been reinserted without proper notice or reinvestigation, in clear violation of the Fair Credit Reporting Act ( FCRA ). I spoke with XXXX in the Special Handling Department ( Case # XXXX ), who acknowledged that the items should be blocked upon redispute and transferred me to XXXX ( Case # XXXX ), who refused to provide his employee ID and admitted that no actual documentation from the creditor was receivedonly a generic " verified '' statusdemonstrating a lack of proper reinvestigation. XXXX stated that TransUnion does not obtain evidence or method of verification from the furnisher, confirming the absence of any legitimate review process. I also spoke with XXXX XXXX ( XXXX # XXXX ), who refused to provide a case number and contradicted XXXX prior statements, further indicating procedural inconsistencies and deception. XXXX falsely asserted that XXXX was responsible for reporting the data, despite this being a TransUnion matter, and claimed TransUnion simply reinserts items upon request without being obligated to investigatethis is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ). Both XXXX and XXXX demonstrated clear incompetence and bad faith in handling my dispute, while XXXX appeared to understand the correct protocol. I am uploading the same sworn affidavit used in my prior CFPB complaint and demanding that TransUnion provide the complete method of verification, 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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital one will not help me disput a charge from XXXX XXXX they continue to ignore my statements and when I call them to ask the update on my dispute even after giving them all the documents they requested and a policy of XXXX XXXX they do not comply and say my documents are not valid but all are the truth I was charge for XXXX dallors for a website I never received and after asking for a refund I was scammed and capital one did not fight for me and yelled at me on the phone saying they cant help me and thats not their job the company charge me for something I never received to this day and stole my money I am reaching out for help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
I called earlier on in the day because I had XXXX copies of a bill. One from the original company, XXXX XXXX, and one from the debt collector. When I called I joked with the woman about the amount, {$6.00}, and she commented that she's seen much less. I asked her if I paid the original company ( which I submitted payment to prior to calling ) what would happen, and she said that they'd send them a letter confirming payment. 

Later on in the day I get an email saying that the statement was out of range and they were refunding me because it had already gone to collections, so I again called the debt collector, Advantage Financial Services, and a gentleman pics up. I explain the situation and how I'd like to pay the {$6.00}. He then tells me that is a higher amount and I ask him why, explaining that I spoke with someone this morning. He then proceeds to tell me that the person I talked to this morning told me that amount too, which was incorrect. He then started speaking to me very rudely and accusing me essentially of not being honest when saying I wasn't told. I asked him why he was speaking to me so rudely and asked to be transferred to someone else. He says I'm the only one available. I asked him to speak to a manager, he told me he's a supervisor. I asked him to have a manager call me and he said " I won't do that ''. He then proceeded to hang up on me. I attempted to call back, he answered, and it was the same. 

I asked him how he could speak that way as his job is customer service ( he's the one answering calls ) and he told me his job is not in customer service ... and then proceeded to hang up on me again.

I have one bill that has no statement date that shows me a balance of {$6.00}. I have no follow up statements or attempts of contact. I have no idea how long they've had this debt, they say I owe interest but there is no financial transparency. 

Without a statement date and record, adding and charging interest does not seem ethical. I called with the intent to pay my debt and was met with rudeness, hanging up in my face, told the bill was higher, amongst others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IA

Complaint narrative:
XXXX XXXX XXXX has reported me as delinquent on my credit card I have with them. I have never missed a payment on this credit card and it is reported wrong on my credit report and took my credit score down XXXX points. Credit bureaus are suppose to be accurate and this is not. I demand this to be removed from my credit report once found to be 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 2025-04-25 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-26 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company 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 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am experiencing financial hardship. Auto lender is Wells Fargo Auto Loan. My vehicle was repossessed on XX/XX/year>. I have been making regular payments except for one recent month due to a financial emergency. Misplaced payment has been added to my principal amount from huge late fees and interest, causing me to be wrongfully XXXX days past due. My lender repossessed my car without prior notice and is demanding {$3200.00} to reinstate it. I need the vehicle to return to work, but theyre not offering a hardship plan or payment options. I was willing to set up a partial initial deposit hardship payment plan, but they said there is no option for that, and I have to pay the full balance, which includes huge late fees and interest. I would like for vehicle to be reinstated as this is the only source of income due to the job economy now being tough and job losses.

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 2025-04-25 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:
I am a victim of credit card fraud and would like these accounts removed as soon as possible!!

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 2025-04-25 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by XXXX, Experian, and certain data furnishers. 

As a direct victim of the XXXX  XXXX data breach, my personal information including my Social Security number and date of birth was unlawfully accessed. Following this breach, fraudulent accounts and unauthorized hard inquiries have appeared on my credit reports without my knowledge or consent. 

Despite submitting a proper identity theft report, proof of my identity, a list of the fraudulent information, and a statement affirming that these accounts were not initiated by me, the bureaus have failed to promptly and thoroughly address my disputes in accordance with 15 U.S. Code 1681c-2 ( a ). 

Issues Presented : XXXX  and Experian failed to block or remove fraudulent accounts and inquiries after receiving all required documentation. 

Improper use of automated dispute handling systems ( e-OSCAR ) despite my explicit request for a manual reinvestigation under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Reporting and verifying information known to be inaccurate in violation of 15 U.S. Code 1681e ( b ) and 1681s-2 ( a ) ( 6 ).

Failure to maintain maximum possible accuracy. 

Ongoing emotional distress and financial harm resulting from their negligence. 

Fraudulent Items in Dispute : Unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( dates ranging from XXXX ). 

Fraudulent accounts opened under my name, including XXXX XXXX and XXXX XXXX XXXX XXXX. 

Requested Resolution : Immediate permanent deletion of all fraudulent accounts and inquiries from my credit reports. 

Written confirmation of the deletions and updated copies of my corrected credit reports. 

Compliance with my cease and desist request, including refraining from automated dispute processing. 

Formal acknowledgment of the receipt of my documentation and a response within 4 days. 

Legal Citations Supporting My Complaint : 15 U.S. Code 1681c-2 ( a ) Obligation to Block Fraudulent Information 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requirement for Reasonable Reinvestigation 15 U.S. Code 1681e ( b ) Duty to Maintain Maximum Possible Accuracy 15 U.S. Code 6801 and 6802 Safeguarding of Personal Information 15 U.S. Code 1692 Prohibition of Unfair and Deceptive Practices Given the documented history of CFPB actions against XXXX  and Experian for mishandling disputes, and their negligent behavior resulting in substantial consumer harm, I respectfully request urgent intervention to ensure compliance and remediation. 

Complainant : 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 2025-04-25 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since my last compliant the company has failed to respond within the 30 day limit and added new late fees which goes against law 611 this account has been sold and misrepresenting of the acc status, Re-insertion of the previously deleted information without proper notice. The account im referring to is XXXX XXXX XXXX, this has been going on more than a year I will have to find a lawyer to get this handled for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-25 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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