vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

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 may 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

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 2025-12-03 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: TX

Complaint narrative:
I am filing a complaint regarding an issue with my account. I discovered inaccurate and/or unauthorized information that I did not recognize. I contacted the company to request clarification and correction, but the issue has not been resolved. The information being reported is incorrect and is negatively affecting my credit. I am requesting that the company investigate the matter, provide documentation validating the account or charges, and correct or remove any inaccurate information from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am filing a complaint regarding an issue with my account. I discovered inaccurate and/or unauthorized information that I did not recognize. I contacted the company to request clarification and correction, but the issue has not been resolved. The information being reported is incorrect and is negatively affecting my credit. I am requesting that the company investigate the matter, provide documentation validating the account or charges, and correct or remove any inaccurate information from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I wish to dispute these accounts because I did not open them or authorize their creation. Please conduct a proper review and remove them from my records. Relevant documents are included to assist 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I HAVE DOCUMENTED PROOF THAT MY VA HOME LOAN PROCESS XXXX  IN XX/XX/year> AND TRUIST PROCESSED IT USING A XXXX XXXX DOCUMENT WAS IN VIOLATION OF THE VETERANS XXXX RULE AND REGULATION. AND THE VIOLATION MAKES THE FANNIE MAE AND XXXX XXXX XXXX NON-EXISTENT. AND THEN TRUIST USED MY LOAN ID NUMBER, PUTTING IT IN THEIR SYSTEM AS XXXX INSTEAD OF XXXX, THEN GIVING THE VA AFFAIRS THE SAME NUMBER, GIVING IT A NEGATIVE IDENTIFICATION STATUS AS A RANDOM NUMBER, NOT AS A NUMBER OF A CATEGORY. NOT EVEN GIVING IT A SERIAL NUMBER. AND ALL FEDERAL HOME LOANS UNDER THE XXXX XXXXXXXX HAVE XXXX NUMBERS TO IDENTIFY THEM FROM OTHER LOANS IN THE SYSTEM. SO TRUIST FAILED TO FOLLOW THE WEBSITE LGY SYSTEM BY INPUTTING A FORMATTING NUMBER OF 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 2025-12-03 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts on my credit report. Please review the information provided and make the necessary corrections as outlined below. 

CHARGED OFF 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
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-03 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: NY

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-12-03 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: GA

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-12-03 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 insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
XXXXBridgecrest is reporting a {$17000.00} charge-off on my credit file. Under IRS Regulation 1.6050P-1 , a creditor must issue a 1099-C when cancelling/charging off more than {$600.00}. I have received no 1099-C, no cancellation documentation, and no explanation of debt status. 
Additionally, XXXX  is reporting illegal future dates, conflicting payment history, and incomplete information. 
This violates : FCRA 602, 607, 611, 623 CFPB Accuracy Standards Consumer Data Accuracy & Transparency Act ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 submitting this formal complaint because inaccurate and unlawful information is being reported on my consumer credit reports by the following entities. These furnishers have failed to follow the Fair Credit Reporting Act ( FCRA ) requirements of accurate reporting, proper investigation, and correction of disputed information. 

Below are the specific accounts and issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX Reported Late Payment * * This creditor is reporting a late payment that is completely inaccurate. 
I have never made a late payment on this account at any time, and the reporting of a delinquency is false, damaging, and a direct violation of FCRA XXXX ( b ) ( duty to assure maximum possible accuracy ). 

I have repeatedly requested verification and correction, yet the furnisher continues to report false payment history. 
I am demanding a full reinvestigation and immediate correction of this inaccurate late payment. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX Reported Charge-Off * * This account is being reported as a charge-off, but I have no knowledge of this account whatsoever. 
I have never opened, authorized, or conducted any business with XXXX XXXX XXXX. 

Under FCRA 1681b & 1681e ( b ), no furnisher is permitted to report an account that can not be verified with my written authorization or identity. 
Because this account is unknown, unverified, and unauthorized, I am requesting the CFPB to require its immediate deletion from all consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company placed a hard inquiry on my credit file without my knowledge, permission, or consent. 
I did not apply for any credit product with this entity. 

Under FCRA 1681b, a hard inquiry requires a permissible purpose, which they do not have. 
This inquiry is fraudulent/unauthorized and must be removed immediately. 

Requested Relief I am requesting the CFPB to : Investigate each furnisher for violations of FCRA accuracy and verification requirements. 

Require XXXX XXXX XXXX XXXX to correct the false late payment. 

Require XXXX XXXX XXXX to delete the unauthorized account entirely. 

Require XXXX  to remove the unauthorized inquiry from all credit bureaus. 

Ensure all furnishers provide proper documentation proving authorization and accuracyotherwise the data must be removed. 

These errors are severely harming my creditworthiness and causing financial damage. I am requesting swift and decisive action from the CFPB to enforce compliance. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 am writing to dispute several accounts that were opened in my name without my knowledge or permission. I am a victim of identity theft and have filed an FTC Identity Theft Report, Report Number XXXX, dated XX/XX/XXXX. A copy is included for your review. These accounts do not belong to me. I never applied for them, never authorized anyone to open them, and have no agreements or contracts with these creditors. These fraudulent accounts are now appearing on my credit report and causing significant harm. 

The fraudulent accounts are : 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

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Capital One closed both of my credit card accounts with no notice and refuses to disclose the reason. 

Complaint : Capital One abruptly closed both of my credit card accounts without any prior notice, written correspondence, or adverse action letter. I discovered the closure while traveling in XXXX when my card was declined. I initially assumed the issue was related to travel, but it was not. 

I immediately contacted Capital One multiple times by phone and in person at a Capital One XXXX location. My case was escalated several times, but no one provided any explanation for the closures. I was repeatedly told they could not see the reason or could not share it. This violates the Equal Credit Opportunity Act ( Regulation B ), which requires a creditor to provide a clear, specific reason for account closure within 30 days. 

My accounts were in good standing. I have never missed payments and I regularly paid my balances in full. At the time of closure my balance was higher than normal due to international travel, but still current and paid on time. 

I received no written notice, no adverse action explanation, and no follow-up communication of any kind. Capital One still expects me to pay the remaining balance, yet refuses to explain why the account was closed or provide the adverse action notice required by law. 

I am requesting CFPB assistance to : Require Capital One to provide the legally-required adverse action notice and the specific reason for closing both accounts. 

Confirm that no negative information was reported to credit bureaus. 

Ensure I am not penalized with additional fees or interest due to their improper closure. 

Require Capital One to provide full account documentation, including internal notes, reason codes, and any fraud/risk flags that led to the closure. 

Determine whether the accounts can be reinstated, since they were closed without cause and without required notice. 

I have made every good faith effort to resolve this with Capital One directly and have been given no information or resolution. I am requesting CFPB review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief