vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. Accounts listed below : - XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX Card - Account # XXXX - XXXX  Card - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Bank XXXX Account # 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 2025-11-16 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: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. Accounts listed below : - XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX Card - Account # XXXX - XXXX  Card - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Bank XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US 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 explanation
Consumer complaint received 2025-11-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US 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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XXXX I notice a false derogatory item on my credit report for the amount of XXXX. Additionally, I would like to implement The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The information on my credit report is false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: LA

Complaint narrative:
The creditor is XXXXXXXX XXXX. This account is not my responsibility per court order via divorce decree signed by the presiding judge on XX/XX/XXXX ( see attached ). The XXXXXXXX XXXX account was removed from my credit report from XXXX, Experian and XXXX in XXXX. Upon reviewing my credit reports from all XXXX bureaus in XX/XX/XXXX, XXXXXXXX XXXX  was on all XXXX reports and showing as late and {$1500.00} behind. In sent a credit dispute in XX/XX/XXXX to all XXXX bureaus as well as XXXXXXXX XXXX which i feel that the investigation was not done by the XXXX bureaus and XXXXXXXX XXXX is saying that i am responsible, when i reference the court order that is attached i have not got a response to this date. My credit score is being impacted by something that i am not responsible for per court order, is XXXXXXXX XXXX above a court order?

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 2025-11-16 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: LA

Complaint narrative:
The creditor is XXXXXXXX XXXX. This account is not my responsibility per court order via divorce decree signed by the presiding judge on XX/XX/XXXX ( see attached ). The XXXXXXXX XXXX account was removed from my credit report from Equifax, Experian and TransUnion in XXXX. Upon reviewing my credit reports from all XXXX bureaus in XX/XX/XXXX, XXXXXXXX XXXX was on all XXXX reports and showing as late and {$1500.00} behind. In sent a credit dispute in XX/XX/XXXX to all XXXX bureaus as well as XXXX Mortgage which i feel that the investigation was not done by the XXXX bureaus and XXXXXXXX XXXX is saying that i am responsible, when i reference the court order that is attached i have not got a response to this date. My credit score is being impacted by something that i am not responsible for per court order, is XXXXXXXX XXXX  above a court order?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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:
The creditor is XXXXXXXX XXXX. This account is not my responsibility per court order via divorce decree signed by the presiding judge on XX/XX/XXXX ( see attached ). The XXXX Mortgage account was removed from my credit report from Equifax, Experian and TransUnion in XXXX. Upon reviewing my credit reports from all XXXX bureaus in XX/XX/XXXX, XXXX Mortgage was on all XXXX reports and showing as late and {$1500.00} behind. In sent a credit dispute in XX/XX/XXXX to all XXXX bureaus as well as XXXXXXXX XXXX which i feel that the investigation was not done by the XXXX bureaus and XXXX Mortgage is saying that i am responsible, when i reference the court order that is attached i have not got a response to this date. My XXXX XXXX is being impacted by something that i am not responsible for per court order, is XXXXXXXX XXXX above a court order?

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 2025-11-16 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: WA

Complaint narrative:
I need an investigation on this account. It does not look right.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Consumer : XXXX XXXX Account : Capital One XXXX ending XXXX Complaint : I am filing this complaint regarding my Capital One XXXX credit card ( Account ending in XXXX ). XXXX late payments were reported on my credit report due to a {$1.00} residual interest balance that posted after my balance was paid in full. 

During a phone call with Capital One, I was instructed by XXXX, Senior Account Manager ( Rep # XXXX ) to pay {$25.00} to resolve these late payments. I completed this payment immediately. 

When I asked for written confirmation of the adjustment, the representative refused and stated that they can not provide a letter and advised me to contact the Credit Reporting Department. I submitted a written request to Capital One at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but I have not received any confirmation. 

I am requesting that Capital One provide, in writing : 1. Confirmation that the adjustment associated with the {$25.00} payment has been processed.

2. Confirmation that the two late payments will be corrected, removed, or updated with the credit bureaus.

3. Documentation of the internal status of this adjustment, for my personal records.

I am submitting this complaint to CFPB because Capital One has refused to provide written confirmation of a payment and adjustment that I was instructed to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Using the M & T app, I made a payment from my checking account to my credit card account, both with the same bank. The app glitched and took my payment twice despite giving my a single confirmation, causing my account to go negative. I called the same night before the account went negative and they failed to understand how payments work on their own app and we're unable to help. The next day I had 2 overdraft fees come through because they failed to remedy the mistake. When I went to the bank and talked to a banker they informed me that company policy was to refund one overdraft even though she agreed that both were invalid based on their own mistake. I have now been charged an overdraft fee they refuse to refund all census their app malfunctioned.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pollack & Rosen, P.A.
State: UT

Complaint narrative:
I have received multiple text messages and voice messages from Pollack & Rosen attempting to collect a debt that I am unfamiliar with. The dates of the voice messages are : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. The dates of the text messages are : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. They have not, in any of the text messages or voice messages, informed me how to dispute the debt or given me a timeframe to dispute it. Likewise, they have not given me enough information to validate the debt ( i.e., a validation notice ). 

On XX/XX/year>, I sent them a letter via XXXX with delivery confirmation asking them for validating information. I also requested that they consider the debt in dispute. The letter was delivered on XX/XX/year>. This request was ignored and I continued to receive text and voice messages attempting to collect the debt on some of the dates noted above. 

On XX/XX/year>, I sent a follow up email. I informed them that their continued attempts to collect the debt after I disputed it may be a violation of my rights and CFPB rules. I, again, requested validating information and reaffirmed my request they consider the debt in-dispute. 

On XX/XX/year> one of their representatives replied to my email. She requested personal information I am not comfortable sharing until I have validated the debt. I did not respond to this email. 

On XX/XX/year>, they again attempted to collect the debt via text message. 

I still have not received a proper validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
As of XXXX I notice a false derogatory item on my credit report for the amounts of XXXX and XXXX. Additionally I would like to implement The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The information on my credit report is false and inaccurate. Thus far, I have filed a theft report with the XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act CBA Macom account number XXXX, 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing a complaint because Experian is reporting multiple serious inaccuracies on my credit report concerning a collection account from XXXX XXXX XXXX ( original creditor XXXX XXXXXXXX XXXX ). 

Today is XX/XX/XXXX, and Experian is reporting future dates and impossible information. My report shows : Balance Updated : XX/XX/XXXX Past due as of October 2025 Monthly collection marks for XX/XX/XXXX and XX/XX/XXXX, even though those months have not occurred. 

Experian is also reporting a payment history grid with C collection marks throughout XXXX and XXXX, including months before the account was opened ( opened XX/XX/XXXX ). Collection accounts are not allowed to have monthly payment histories. 

Experian is also reporting a past due amount on a collection account, which is inaccurate and misleading because collections have no past due status. This artificially increases the severity of the derogatory mark. 

These errors violate multiple sections of the Fair Credit Reporting Act, including : FCRA 1681e ( b ) duty to maintain accurate reporting FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing false or impossible information FCRA 1681i failure to correct inaccurate information I have already disputed this information with Experian, and they continue to report dates and data that are impossible, inaccurate, and harmful. 

I am requesting that the CFPB require Experian to correct or delete this XXXX Funding account from my credit file.

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 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under XXXX and I need them blocked and deleted from my report ASAP

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This serves as a formal demand for deletion of obsolete, inaccurate, and unverifiable addresses, collections, charge offs, and derogatory items currently listed on my consumer file. 

I have identified multiple addresses, collections, charge offs, and derogatory items that do don't reflect my current or accurate residential history and may have been added by third parties without my consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( b ), Experian is required to ensure that all identifying information in a consumer report is accurate, relevant, and verifiable. Maintaining old or incorrect addresses constitutes a violation of FRA 609 ( a ) ( 1 ), as the agency must provide complete and accurate information within my file.

These outdated addresses, collections, charge offs, and derogatory items also present a security and identity risk, allowing for possible date commingling or unauthorized association with accounts that are not mine currently listed on my consumer file.

I have identified multiple addresses, collections, charge offs, and derogatory items that do don't reflect my current or accurate residential history and may have been added by third parties without my consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( b ), Experian, TransUnion, and Equifax is required to ensure that all identifying information in a consumer report is accurate, relevant, and verifiable. Maintaining old or incorrect addresses constitutes a violation of FRA 609 ( a ) ( 1 ), as the agency must provide complete and accurate information within my file. 

These outdated addresses also present a security and identity risk, allowing for possible date commingling or unauthorized association with accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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:
A fraudulent account was opened in my name while I was incarcerated. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

Company response to consumer: Closed with non-monetary relief