vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian 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. These are the fraudulent, inaccurate, and false information ; XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX BANK XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) 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 2025-08-26 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:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have provided ftc report account with XXXX does not belong to me there is also n inquiry it is being reported by equifax transunion n experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 have provided ftc report account with XXXX does not belong to me there is also n inquiry it is being reported by equifax transunion n experian

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I read specified terms and exclusions and then placed an order for a pair prescription glasses via " CapitalOne offers '' from merchant, Glasses.Com. However, approximately XXXX days after the purchase, I hadn't received a confirming email from CapitalOne regarding an upcoming statement credit. I called CapitalOne on XX/XX/XXXX requesting a confirmation of my purchase and subsequent statement credit. I was advised by a representative named XXXX that the transaction it was in a " waiting mode '', to be resolved within 45 days. 
I called again on XX/XX/year> and spoke to XXXX and we had a long discussion about my concerns. I expressed that I feared that CapitalOne was trying to renege on their offer. She told me that I should allow XXXX days. I called CapitalOne on XX/XX/XXXX, spoke to XXXX and he advised me that I would have wait the full XXXX  days from the date of purchase for resolution. 
The shopping trip showed up in my account as " Trip without purchase '' I called CapitalOne... they told me to wait XXXX  days I called XXXX  days later ... they told me to wait XXXX  days I called XXXX  days later on XX/XX/year> the transaction was in an " inactive '' category, still under " trip without purchase ''. I spoke to XXXX, a supervisor who said that she would investigate and call me back. XXXX called back on XX/XX/year> and could not provide me with an explanation as to why a statement credit would not be issued. I again provided her with the CapitalOne transaction number but to no avail. I also offered her proof of purchase and she declined. Stating that there will be no statement credit rendered. 
As it stands, she/CapitalOne has refused the honor their rewards offer at my expense. 
I have supporting documentation, please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written request to Equifax under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ) asking for the method of verification for multiple disputed accounts that were previously verified. These accounts include : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Under the law, I am entitled to know how Equifax verified these accounts, including : The name, address, and contact information of the party Equifax verified with. 

The method used to verify the accuracy of the information. 

Copies of any documentation provided by the furnisher. 

As of today ( XX/XX/year> ), more than 30 days have passed, and Equifax has not provided any response or method of verification. This is a direct violation of my rights under the FCRA.

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 2025-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed a transaction for {$400.00} on my Bank of America account ( claim number XXXX, account ending in XXXX ). The bank initially gave me a temporary credit, but then denied my claim. 

I requested multiple times, by phone, that Bank of America provide me with the merchants documentation ( such as a signed receipt, invoice, or proof of authorization ) that they relied upon in making their decision. Each time, I was told that they dont have a copy, yet they still reversed my temporary credit. 

This is unfair and violates my consumer protection rights under the Fair Credit Billing Act ( for credit card claims ) / Regulation XXXX ( for debit card claims ). If the bank has documentation, they must provide it to me. If no documentation exists, then they can not legally hold me responsible for this charge. 

I am requesting that Bank of America either : XXXX. Provide me with a copy of the merchants documentation used to deny my claim, OR XXXX. Reinstate my credit of {$400.00} permanently, since no documentation exists. 

I have been a Bank of America customer for more than 10 years, and I expect fair treatment and compliance with federal consumer protection laws.

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 2025-08-26 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 am formally disputing an inaccurate address appearing on my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any other address listed under my name is inaccurate, and I have never resided at those locations nor authorized their association with my credit file. 
Also, my XXXX XXXX XXXX XXXX accounts ending in XXXX and XXXX are being reported with balances and payment information that do not match my records. Similarly, my XXXX XXXX Bank accounts ending in XXXX with balances of {$1100.00} and {$800.00}, as well as a XXXX  XXXX BANK NA ending in XXXX with a balance of {$1000.00}, are reporting inaccurate late payments and balances that I have not incurred. My account with XXXX XXXX XXXX ending in XXXX is also incorrectly reported, with balance and status that are inaccurate according to my records. 
Additionally, a XXXX XXXX collection account ending in XXXX is being reported without proper validation and does not reflect a verified obligation. 
Under FCRA XXXX ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the credit reporting agencies are required to conduct a reasonable reinvestigation. According to FCRA XXXX ( a ) ( XXXX ) 15 U.S.C. 1681s-2 ( a ) ( XXXX ), furnishers of information are required to promptly notify the bureaus when information they report is found to be inaccurate or incomplete, and corrections must be made. Furthermore, under FCRA XXXX 15 U.S.C. 1681c-2, consumers have the right to block information resulting from identity theft or accounts not properly authorized by them, which may apply to these items.

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 2025-08-26 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: KY

Complaint narrative:
XXXX XXXX XXXX with a Federal Arbitration case Evidence, Misuse of my personal credit report during a Federal Procedure gathering Evidence, Violation of the FCRA, Ongoing Harassment, targeted me again. XXXX XXXX XXXX my online personal activity, When I assessed Experian online Consumer portal. Is XXXX XXXX. Accessed and Deleted My personal Credit report From XX/XX/XXXX, During Arbitration on Monday XX/XX/XXXX, Time XXXXXXXX XXXX  and XXXX XXXX Nevertheless, Without My personal consent I XXXX XXXX XXXX. The Credit report of XX/XX/XXXX, was Accessed and Deleted by Experian Credit Bureau. Right After I printed the credit report from XX/XX/XXXX, On Experian online Consumer portal, and during the process I was reprinting the page that I forgot. It was a total of XXXX or XXXX pages. I first printed XXXX pages of the credit report, When I started reprinting the Inquiry page that I forgot. I entered in the print bar to print pages XXXX my printer indicated red and stated that XXXX was the XXXX available to print. Keep in mind. I just printed the credit report. Still logged in on Experian Consumer portal I refresh the page and the whole credit report was wiped clean. Experian online Stalking a consumer

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing an inaccurate address appearing on my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any other address listed under my name is inaccurate, and I have never resided at those locations nor authorized their association with my credit file. 
Also, my XXXX XXXX XXXX XXXX accounts ending in XXXX and XXXX are being reported with balances and payment information that do not match my records. Similarly, my XXXX XXXX Bank accounts ending in XXXX with balances of {$1100.00} and {$800.00}, as well as a XXXX  XXXX BANK NA ending in XXXX with a balance of {$1000.00}, are reporting inaccurate late payments and balances that I have not incurred. My account with XXXX XXXX XXXX ending in XXXX is also incorrectly reported, with balance and status that are inaccurate according to my records. 
Additionally, a XXXX XXXX collection account ending in XXXX is being reported without proper validation and does not reflect a verified obligation. 
Under FCRA XXXX ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the credit reporting agencies are required to conduct a reasonable reinvestigation. According to FCRA XXXX ( a ) ( XXXX ) 15 U.S.C. 1681s-2 ( a ) ( XXXX ), furnishers of information are required to promptly notify the bureaus when information they report is found to be inaccurate or incomplete, and corrections must be made. Furthermore, under FCRA XXXX 15 U.S.C. 1681c-2, consumers have the right to block information resulting from identity theft or accounts not properly authorized by them, which may apply to these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 am formally disputing an inaccurate address appearing on my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any other address listed under my name is inaccurate, and I have never resided at those locations nor authorized their association with my credit file. 
Also, my XXXX XXXX XXXX XXXX accounts ending in XXXX and XXXX are being reported with balances and payment information that do not match my records. Similarly, my XXXX XXXX Bank accounts ending in XXXX with balances of {$1100.00} and {$800.00}, as well as a XXXX  XXXX BANK NA ending in XXXX with a balance of {$1000.00}, are reporting inaccurate late payments and balances that I have not incurred. My account with XXXX XXXX XXXX ending in XXXX is also incorrectly reported, with balance and status that are inaccurate according to my records. 
Additionally, a XXXX XXXX collection account ending in XXXX is being reported without proper validation and does not reflect a verified obligation. 
Under FCRA XXXX ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the credit reporting agencies are required to conduct a reasonable reinvestigation. According to FCRA XXXX ( a ) ( XXXX ) 15 U.S.C. 1681s-2 ( a ) ( XXXX ), furnishers of information are required to promptly notify the bureaus when information they report is found to be inaccurate or incomplete, and corrections must be made. Furthermore, under FCRA XXXX 15 U.S.C. 1681c-2, consumers have the right to block information resulting from identity theft or accounts not properly authorized by them, which may apply to these items.

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a dispute regarding a fraudulent account listed under my credit history. I have no knowledge of this account, did not authorize it, and never opened it. Its reporting is entirely false, and it is causing harm to both my financial stability and credit profile.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am trying to rent an apartment and finance a car. My chances of approval has been affected because my credit has been negatively affected by this collection report. I am filing this complaint against LVNV Funding LLC regarding an alleged debt they claim I owe. I have sent them a formal debt validation request dated XX/XX/year> under the FDCPA ( 15 U.S.C. 1692g ) requesting the following : Name of original creditor Complete itemization of the debt Copy of the original contract Legal authority to collect in my state Chain of assignment They have failed to provide any of the required documentation and continue to report this unverifiable debt to credit bureaus. This is a clear violation of the FDCPA and FCRA. 
I request the CFPB take action and direct the company to provide full documentation or cease all collection and credit reporting activity. Attached is my validation letter and proof of mailing can be provided if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Last I had vehicle with credit acceptance was like year XXXX  XXXX  went out when contact say car warranty expired month before care car was inoperable so volunteered vehicle back to them made no more payments they sold vehicle at auction till this day still charging say owe them feel excess over charging for vehicle I no longer have will not take off my credit

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation