vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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:
XXXX XXXX is attempting to collect a debt from me in the amount of {$3000.00} that i do not owe it. I have never done any business with XXXX XXXX and i do not have any contracts with it. In XXXX XXXX 's attempt to extort a payment it has somehow gained possession of a portion of my identity information then used it to take negative action against me by making false reports alleging a debt owed to it effectively damaging my credit with Transunion, Equifax, and Experian credit reporting agencies. It is also clear that these credit reporting agencies failed in it grave duties to uphold and maintain fairness and accuracy by not validating or verifying the alleged debt before communicating it via credit report. I have never had any contractual, financial, or business relationship with XXXX XXXX. This debt does not belong to me. It is either the result of identity theft, a mistake, or willful misreporting by the furnisher. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, you credit reporting agencies are required to conduct a reasonable investigation of this dispute. An initial investigation is also required before allowing this report to be made and the credit reporting agencies have also failed in maintaining that responsibility as well

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 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-09-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A account i never opened is hurting my credit I have no knowledge of this account I was incarcerated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX BANK XXXX XXXX XXXX -Date Opened XX/XX/year> - Balance {$7200.00}

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 2025-09-08 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have written all XXXX credit bureaus and the original creditor XXXX separate times. The first occurred back in XX/XX/year> where I disputed through the credit bureaus themselves. I then, on XX/XX/XXXX, XXXX and XX/XX/XXXX provided them written documentation pertaining to the dispute. The amount, the past due, the collections and the fact that it's been charged off without receiving a XXXX. I I will provide the documentation that was sent to them on the last XXXX occurrences. The collections are incorrect based on the documentation I provide and needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I was processing a VA Home loan application with the First American Title XXXX  Company XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX Tx. who i sent Earnest Money as part of the loan processing totaling {$4000.00}. and other Out-of-Pocket expenses this company is responsible for. I sent money to First American Title XXXX  Company in good faith as a VA home processing loan and they accepted my Earnest Money sent by wire transfer to First American Title XXXX  Company, XXXX XXXX XXXX, XXXX account # XXXX Routing # XXXX to address XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX sent on XX/XX/year> for home processing. This company took a XXXX veterans Earnest Money and refuse to return the funds after the Lender Denied my VA loan application, which included a VA Loan Escape Clause signed by me on XX/XX/year> per VA. In the event this loan fail for any reason or if this XXXX company and Loan company fail to honor their agreement at any time during the Buying process which they did. This XXXX company and the loan company XXXX XXXX should be fined and reprimand for the dishonest and unethical things done to a XXXX veteran and his family an now refusing to return my Earnest Money or find some illegal way to keep it. This complaint is being reported to the FTC, VA OIG, and State AG offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX -Date Opened XX/XX/year> - Balance {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX [ XXXX XXXX Code XXXX ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$49.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXXXXXX XXXX XXXX Date XXXX XX/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 2025-09-08 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: AZ

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 non-monetary relief
Consumer complaint received 2025-09-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-08 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: GA

Complaint narrative:
XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX * * * * * * XXXXXXXX XXXX XXXX Account Number : XXXX * * * * * * * * * XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX & XXXX Account Number : XXXX * * * * * * * * * XXXX & XXXX Account Number : XXXX * * * * * * * XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX XXXX XXXXXXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX Account Number : XXXX * * * * * * * * * * * * * * * * XXXX XXXX, XXXX Account Number : XXXX * * * * * * * * XXXX XXXX Account Number : 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 2025-09-08 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been reported under my credit file. These accounts are not mine and were never authorized by me. Their inclusion is false, misleading, and causes serious harm to the integrity of my credit history.

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 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-09-08 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-09-08 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: NY

Complaint narrative:
I am formally disputing the accuracy and verifiability of the accounts listed above under the Fair Credit Reporting Act ( FCRA ) and related laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
Status contradiction : XXXX  reports Open, while Experian/XXXX repo

rt Closed. Balance  ( {$2700.00} ) exceeds High Credit ( {$2500.00} ). Impossible. 
Incomplete account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity reported as XX/XX/XXXX despite no payments since XXXX. 
XXXX XXXX Fields breached : XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX reports XXXX, XXXX report Closed. 
DOFD inconsistent : XX/XX/XXXX vs. XX/XX/XXXX. 
Misclassified as XXXX with XXXX XXXX  monthly payment. 
Incomplete account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fields breached : XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX Inconsistent account type : XXXX  = Credit Card ; XXXX/XXXX  = Credit Line Secured. 
High Credit conflicts ( {$200.00} vs. {$250.00} ). 
Late history conflicts : XXXX  shows XXXX lates, XXXX  shows XXXX lates, XXXX silent. 
XXXX XXXX Fields breached : XXXX, XXXX, XXXX, XXXX. 
Legal Authority FCRA 607 ( b ) : CRAs must ensure maximum possible accuracy. 
FCRA 611 ( a ) ( 1 ) ( A ) & ( a ) ( 5 ) ( A ) : Must delete unverifiable information.

FCRA 623 ( a ) ( 5 ) : DOFD must be accurate.

FDCPA 807 : Prohibits false representation of debt. 
XXXX v. XXXX, 115 F.3d 220 : CRAs must conduct independent reinvestigation, not rely on furnishers.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CT

Complaint narrative:
Complaint Against : XXXX XXXX  ( Merchant : XXXX ) deceptive and fraudulent billing practices Capital One failure to properly handle my disputes under the Fair Credit Billing Act Total Disputed Amount : {$2200.00} ( 5 different disputes ) Summary of Issues Against XXXX XXXX : 1.I was misled by a false promotion. XXXX promised a {$500.00} matching ad credit if I spent money on their platform. Their representative, XXXX XXXX, repeatedly confirmed I was eligible. I spent over thousands expecting that credit, which was never honored. 
2.I was never told I could be disqualified due to having a prior account. If this had been disclosed, I would never have spent money.

3.I was pressured into launching and increasing campaigns quickly. The leads generated were spam, AI bots, or irrelevant, rendering the service completely unusable. 
4.Once problems became clear, XXXX representatives ( XXXX, then XXXX, then his supervisor XXXX ) admitted the situation was mishandled but stopped responding. I was left with thousands of dollars wasted. 

Against Capital One : 1.When I disputed these charges, I provided detailed explanations and evidence. Despite this, Capital One reduced my complaint summary to Customer unhappy with results, which is false and incomplete. 
2.Capital One had consistent phone calls with me but refused to help, repeatedly stating it was past the 60 days. I explained that I was never properly guided on what to do, how to do it, or when it needed to be submitted. Their lack of clear communication is the reason I could not meet arbitrary deadlines. 
3.I specifically asked Capital One to reopen the cases due to their own failure to guide me correctly. Instead of helping me, they dismissed my request and showed no concern that XXXX had taken thousands of dollars unjustly. 
4.Capital One effectively sided with XXXX without requesting the most important evidence ( XXXX call recordings, internal notes, and emails, which would confirm my claims ). By failing to do so, they denied me a fair evaluation of my dispute.

Company response to consumer: Closed with explanation