vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
In XXXX I made the mistake of using my card online and have been having fraudulent charges appear ever since. I have contacted Capital One several times to report these charges. No changes are being made. I have recieved XXXX replacement cards, but by the time I get the cards in the mail. They are flagged for suspected fraud and I'm declined in store. The last time I was able to use my Capital One card was XX/XX/year> I have spoke to Capital One XXXX times since then. A supervisor from the fraud dept was supposed to be reaching out within XXXX business days of my last call. That never happened. I did wake up this morning to another fraudulent charge on my account. Spoke to a supervisor who was unhelpful. Explained I've never had such a poor experience and I've been with Capital One XXXX years. Ths supervisor threatened to end the call because of my anger. I stated " so Capital One has been allowing fraudulent on my account for months, but I'm wrong for being upset!! '' He claims he helped. I'm not sure he did. I advised since the only way to stop these charges seems to be to close the account. We closed the account but he advised me I still have to pay my bill, and any credits will be returned to the account. That doesnt make sense. Why would I pay a bill I've reported as fraudulent XXXX times, and wait for a credit on a closed account? I dont know why the incompetence is at the level it is with Capital One. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am extremely frustrated that unauthorized inquiries are still appearing on my credit report this morning. Even after refreshing my browser, the issue remains unresolved. I need my documents reviewed right away so this can be fixed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have asked that all three credit reports to have my personal information to have my first and last name, current mailing address, current job, and no telephone number. My name is XXXX XXXX ( correct spelling ) ; address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; current job is XXXX XXXX XXXX XXXX XXXX. I would like for all of my personal information updated.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have asked that all three credit reports to have my personal information to have my first and last name, current mailing address, current job, and no telephone number. My name is XXXX XXXX ( correct spelling ) ; address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; current job is XXXX XXXX XXXX XXXX XXXX. I would like for all of my personal information updated.

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 2025-08-28 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a " deceased indicator '' on your TransUnion credit file. This means the Social Security number that you provided has been reported by the Social Security Administration or a lender as " Deceased ''. To fix this, you will need to call TransUnion at XXXX to get more information.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Northland group on behalf of XXXX  XXXX charged my business LLC debit card in the amount of {$6000.00} on XX/XX/year>. Transaction was denied, then they charged {$2100.00} and transaction processed. Then they tried charging {$5000.00} on XX/XX/year> transaction denied, then they tried again for {$3800.00} WITHOUT SENDING ANY LETTERS to me. I don't have any open accounts with XXXX  XXXX, haven't received any judgments. My business which is an XXXX keeps receiving fraudulent charges.

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 2025-08-28 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:
There is a " deceased indicator '' on your TransUnion credit file. This means the Social Security number that you provided has been reported by the Social Security Administration or a lender as " Deceased ''. To fix this, you will need to call TransUnion at XXXX to get more information.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: CA

Complaint narrative:
I am requesting the removal of two negatively reported accounts associated with the same personal loan, originally issued by World Acceptance Corporation and later sold to XXXXXXXX XXXX XXXX XXXX 

Original Creditor : World Acceptance Corp. 
Account # : XXXX Opened : XX/XX/XXXX Status : Charged-off Debt Buyer : XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Status : Collection These accounts are both reporting simultaneously to all three credit bureaus, causing a double negative impact to my credit for the same debt. I have disputed this with the credit bureaus, but the accounts remain. 

Furthermore, I was directly affected by the XXXX XXXX wildfires, a federally declared natural disaster, which severely impacted my finances and housing. During this time, I was unable to maintain regular payments or address debt transfers. 

As a result of these two entries, my credit score has been severely damaged, preventing me from acquiring new credit, housing, or transportation. I am requesting that the CFPB assist in : 1. Investigating why both World Acceptance and XXXX XXXX XXXX are reporting the same debt 2. Requiring deletion of the original charge-off ( World Acceptance ) or the collection ( XXXX XXXX XXXX at minimum, only one entry should remain 3. Considering my natural disaster hardship as a basis for full deletion of both accounts due to inability to resolve the debts during federally recognized hardship I have tried to work with the bureaus and companies, but they have failed to resolve this. I am submitting this complaint in good faith and request appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company 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 2025-08-28 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 2025-08-28 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company 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 2025-08-28 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:
b'I am writing to formally notify you that I am a victim of the recent data breach, and I am \nrequesting that all accounts related to my personal information be blocked and deleted \nin accordance with 15 USC 1681c-2(a), as outlined under the Fair Credit Reporting Act. \nDue to the breach, my personal data may have been exposed, and I am concerned \nabout potential misuse of this information. Therefore, I respectfully request that you:  \n1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been \ncompromised. \n\nAccount name: XXXX XXXX \nAccount number: XXXX XXXXDate Opened: 06/26/2021 \nBalance: $XXXX XXXXAccount name: XXXX XXXX XXXXAccount number: XXXX XXXXDate Opened: XXXX XXXXBalance: $XXXX XXXXAccount name: XXXX XXXX XXXX XXXXAccount number: XXXX XXXXDate Opened: XXXX XXXXBalance: $XXXX XXXXAccount name: XXXX XXXX XXXX #XXXX XXXXAccount number: XXXX XXXXDate Opened: XXXX XXXXBalance: $XXXX XXXXAccount name: XXXX XXXX XXXXAccount number: XXXX XXXXDate Opened: XXXX XXXXBalance: $XXXX XXXXAccount name: XXXX XXXX XXXXAccount number: XXXX XXXXDate Opened: XXXX XXXXBalance: $XXXX XXXXINQUIRIES:  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 2025-08-28 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: Experian Information Solutions Inc.

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-08-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-28 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Got a copy of payment history from sps and it's missing a payment of XXXX on XX/XX/year> and don't know which is at fault but someone owes me a XXXX Acres and a truck

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I have requested the bank to provide the documents they relied on, but they don't provide the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
Receivable Management Services is reporting a {$220.00} collection account on my credit report that they claim originated from XXXX XXXX. I dispute this debt and request full validation. 

To date, Receivable Management has not provided any of the legally required documentation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, they have failed to provide : A copy of the original signed insurance contract or agreement with XXXX XXXX. 
A full itemized statement of charges, payments, and credits showing how the alleged balance of {$220.00} was calculated. 
Copies of all billing statements and invoices from the original creditor. 
A copy of the notice of assignment/sale of debt from XXXX to Receivable Management Services .

A complete chain of title/ownership of the debt showing legal right to collect.

Proof that I was properly notified of this alleged debt before it was placed on my credit reports.

Proof that Receivable Management has the legal authority and license to collect in my state.

Documentation that this account is being reported accurately, completely, and in compliance with federal law.

Without these items, this collection should not be reported or enforced. Reporting a debt without proper validation is a violation of the FDCPA and FCRA.

I am requesting that this account be either fully validated with the above documentation or immediately removed from all credit reporting agencies.

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 2025-08-28 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: AZ

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MD

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 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 2025-08-28 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: LA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

Company response to consumer: Closed with non-monetary relief