vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX XXXX. XXXX ( a ). I became aware of the breach of my personal information through the Experian data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$74000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00}

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
The account states that it was opened XX/XX/year>. The original company the debt was said to be owed to was XXXX XXXX XXXX  which I have never had an account with. I have disputed it 3 times in addition requesting debt validation including reporting it as a fraudulent account. Since then, they have changed the name of the creditor from XXXX XXXX XXXX  to the name of the debt collection agency which falsely represents any validating information of who the debt is owed to. Over the years I have been a victim of personal information being used, data breaches, etc. Even as far back as when I was XXXX XXXX XXXX my information was used and I was contacted by a collections agency trying to make me pay for an old bill I wasn't even old enough to create.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under XXXX XXXX. XXXX, and I will not tolerate these illegal actions. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of XXXX XXXX. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of XXXX XXXX. XXXX ( A ) ( XXXX ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I submitted a payment of {$730.00} on XX/XX/XXXX ( payday ) to my Milestone credit card through the XXXXXXXX XXXX  website, using my debit card, as Ive done in the past. While the money was removed from my bank account, Milestone still hasnt reflected this payment on my account, and its now XX/XX/XXXX. My Indigo card ( also through XXXXXXXX XXXX ) cleared 23 days ago, but XXXX has not. 

I attempted to contact customer service multiple times through the official number, but I was disconnected immediately after pressing 1 for English. The only time I was able to get through was when I used someone elses phone entirely. I also attempted to email customer service through Mastercards contact form, attaching my bank records as proof, but my message bounced back as undeliverable : XXXX was reported as invalid. 

Ive tried every available method to resolve this but am receiving no communication or support. Ive been managing this account responsibly, making on-time payments since early 2024, and am very frustrated that my payment is missing without any support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-17 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: NJ

Complaint narrative:
ON XX/XX/2025, WAS REVIEWING MY CREDIT REPORT AND I SAW 2 UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT THAT I DID NOT APPLY FOR. THESE INQUIRIES DO NOT HAVE PERMISSIBLE PURPOSE ACCORDING TO 15 USC 1681b. 

INQUIRY DATE XXXX ACCOUNT : XXXX XXXX XXXX : AUTO DEALER ADDRESS : XXXX XXXX XXXX, NJ XXXX INQUIRY DATE : XX/XX/2025 ACCOUNT : XXXX XXXX XXXX XXXXYPE : AUTO FINANCING ADDRESS : XXXX XXXX, XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK
State: MA

Complaint narrative:
Here 's copy of my emailed response : Hello XXXX, I finally received the ID protection package last week, after delivery was promised in XXXX. 
You may or may not know this XXXX  package was initially mailed to my former address in XXXX MA, which my wife & I sold in XX/XX/XXXX, after trying to get a Discover home equity line there. 
This followed your mailing several packages to an incorrect address in XXXX MA. 
Discover really can compound a XXXX, can't it? 
But thanks, but no thanks, for checking -- something you should have done several times in this process. 
XXXX XXXX Sent from my XXXX XXXX Device Get XXXX  for XXXX  From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXXXXXX XXXX XXXX To : XXXX XXXX Subject : Your Discover Home Loan Hello XXXX, XXXX hope this email finds you well. My name is XXXX XXXX, and I work for Discover Home Loans out of XXXX, AZ. I am writing to follow up on the delivery of your ID Theft XXXX XXXX. The Letter was sent via XXXX  on XX/XX/XXXX and shows it was delivered XX/XX/XXXX. The tracking number is XXXX. 

Can you please advise if you received it? 

Respectfully, XXXX XXXX XXXX Closer, Discover Home Loans XXXX XXXX ext. XXXX My office hours are Monday - Friday from XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX, XXXX, Member FDIC | XXXX ID XXXX Internal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
my name is XXXX XXXX and i am contacting you to please help me with the overdraft fee for my business checking account under ( XXXX XXXX XXXX ) which i had called about multiple times to your customer service department. multiple times i called the customer services reps were nice and understanding but they kept on saying that their system was down and they couldnt assist me. XXXX weeks ago when i called originally the lady wasnt able to help me because her system was down... so she transferred me to another person who also stated the same thing and took my info down to try to remove the fee once the system goes back live, she also suggested i enroll into text message alerts so i can monitor my account which i did while on the line with her. a week later i login into my account and see no changes have been made on my account and draft fee is still on the account. i then call back yesterday on XX/XX/year> to ask as a XXXX time courtesy to please remove the overdraft charge of XXXX dollars from XX/XX/XXXX XXXX same thing happens lady stated her system was down .. this is very aggravating because of the time i spent on the phone alone and this is my one and only charge i ever received from you since the account has been opened. i am hoping you can assist me and refund me the fee as a XXXX time courtesy. thank you

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 monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These inaccuracies are having a direct and ongoing negative impact on both my financial stability and overall well-being.

This is an especially difficult time for me, and the continued presence of these errors is placing an undue burden on my life. I respectfully urge your office to conduct a prompt and thorough reinvestigation into these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The last payment to capital one was made on XX/XX/year> and that was the last payment and it was an overpayment due to capital one not processing the sent check with the pay off amount in time. I was told it would take XXXX business days to receive my refund of {$640.00}. I gave a call XXXX weeks after the payment was made on XX/XX/XXXX and I was told it would be XXXX days after the last payment was made. I called on XX/XX/XXXX and They still have not processed my refund and did not have any answers for me. Only thing I was told that I will hear back by XX/XX/XXXX. I gave them a call on XX/XX/XXXX and they still not have processed my refund or had any real answers other than that they are backed up, vacation, or someone is out sick. After all these calls and talking with XXXX different people I finally got XXXX XXXX XXXX the case manager. XXXX XXXX was supposed to call me by end of day on the XXXX and never heard anything back. I've had XXXX communication from Capital One XXXX XX/XX/XXXX I'm filing this as I am on hold with capital one and still without an answer and saying its still being process. I am attaching the payoff date. I do have voice recording from XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX recording was a video and does not have any voice due to my mistake in recording. The voice recordings are too large to attach here. 

The case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating.

As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

Please advise and help me fix this, thank you

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 2025-07-17 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: MA

Complaint narrative:
I got a hard pull on my credit from Equifax XXXX on XX/XX/XXXX. I have no idea what is and I dont live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XX/XX/XXXXXX/XX/XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-17 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: NC

Complaint narrative:
This debt collector ( XXXX XXXX XXXX XXXX XXXX  ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished XXXX account on my Equifax and XXXX on my transunion  that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX XXXX  and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief