vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
RE : Your Account Number ( if known ) ] Dear XXXX XXXX XXXX : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft that should be blocked, XXXX  XXXX  acct # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identi
ty theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, [ XXXX XXXX ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RE : Your Account Number ( if known ) ] Dear XXXX XXXX XXXX : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft that should be blocked, XXXX  XXXX  acct # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identi
ty theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, [ XXXX XXXX ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
Alleged Account # XXXX Incorrect name, harassment and fraud all USC 15 applicable laws. 

RE : Challenge to Verified Accounts and Request for Investigation Details To Whom It May Concern, I am writing to follow up on my prior dispute regarding the following accounts, which you reported as verified : Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I formally request a description of the investigation you conducted, including : 1. Whether you obtained documentary evidence, account-level documentation, or billing statements, beyond merely contacting the furnisher.

2. What specific records or evidence you reviewed to verify the account.

3. Whether you considered the absence of proper debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

4. The name and contact details of the furnisher you verified with.

I continue to dispute the accuracy, completeness, and legal standing of these accounts. If you can not provide documentary verification or have not conducted a reasonable reinvestigation, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information from my credit report. 

Please respond in writing with the requested investigation details, or remove these accounts from my file. Failure to comply may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
im a victim of XXXX XXXX this is the second attempt notifying the bureau.

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 2025-05-02 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$17000.00}

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 non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
The bureaus are reporting accounts on my persona credit report that are not my personal accounts. I have also submitted disputes and its 's not showing up as being disputed. The accounts are two XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The bureaus are reporting accounts on my persona credit report that are not my personal accounts. I have also submitted disputes and its 's not showing up as being disputed. The accounts are two 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 2025-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear CFPB and Capital One/Kohls Department Store , I am disputing the reporting of 30-day late payments for XXXX, XXXX, and XX/XX/year> on my Kohls Department Store account serviced by Capital One ( Acct # XXXX ). I was surprised and concerned to see these late marks reported on my credit report, as I have always tried to maintain timely payments on this account. 

During this period, I was dealing with serious medical emergencies and my banking institution had temporarily blocked my checking account due to suspected fraudulent activity. This disruption likely impacted my ability to make or confirm payments without my knowledge. I was never clearly notified or reminded by Capital One about a missed payment before these derogatory remarks were placed on my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), data furnishers have a legal obligation to report only information that is complete and accurate, and not misleading. Reporting consecutive late payments without offering a chance to cure or verify hardship circumstances can cause long-term credit harm and may violate both the letter and the spirit of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I was informed that the reason for the denial was based on information in my credit file. While I understand that banks must follow certain procedures and checks, I would appreciate it if you could provide more specific details about what aspect of my credit file led to this outcome. 

If possible, I would also like to know whether there are any alternative account options available to me, or steps I can take to be reconsidered in the future. 

I value the opportunity to bank with your institution and hope that we can work toward a solution. Please let me know if any further documentation is needed on my part. 

Thank you for your time and assistance. I look forward to your response.

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 2025-05-02 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I have submitted multiple disputes concerning the accuracy and completeness of the payment history for the accounts listed below. Despite these efforts, I continue to see several inaccuracies that qualify as billing errors under 15 USC 1666 ( b ). To the best of my knowledge, I was never late on any of these accounts, and I respectfully request that the records be corrected to show timely payments.

This ongoing issue has caused significant stress and is taking a toll on my daily life. The continued lack of resolution has left me feeling mentally and emotionally exhausted.

For clarity, I am submitting this dispute on my own behalfno third party is involved. I kindly ask that you conduct a thorough and fair review of this matter as soon as possible. 

Thank you for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted XXXX  : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} 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 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 XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist 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 non-monetary relief
Consumer complaint received 2025-05-02 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:
I want to make it clear that I have no knowledge of this account, nor have I ever opened or authorized any such account. This account does not belong to me and appears to be a result of identity theft or reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want to make it clear that I have no knowledge of this account, nor have I ever opened or authorized any such account. This account does not belong to me and appears to be a result of identity theft or reporting error.

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 2025-05-02 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: NV

Complaint narrative:
Semt certified letters for verification and no response

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 2025-05-02 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: MA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX  as reported on my TransUnion credit report, File Number : XXXX. The account shows a charged-off balance of {$1200.00} and pay status >Charge-off<, with updates continuing through XX/XX/XXXX. No payments have been made since XX/XX/XXXX, and the account was closed in XX/XX/XXXX. The creditor designated this account as a Profit and Loss Write-Off, yet no IRS Form 1099-C has been issued in violation of IRS Code 6050P. This ongoing charge-off reporting is materially misleading, especially since there has been no activity and no evidence of a validated or collectible debt. The continued post-charge-off updates violate FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) for failure to reinvestigate and properly update or remove disputed data. This is causing continued credit harm and legal conflict across multiple reporting systems. Permanent deletion of the XXXX XXXX XXXX XXXX  tradeline from my TransUnion credit report due to failure to issue IRS Form 1099-C, misleading post-charge-off activity, and violations of FCRA 1681e ( b ) and 1681i ( a ) ( 5 ).

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