vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
Company : XXXX, XXXX. 
Product : Personal Loan / Installment Loan Issue : Incorrect information on credit report / debt for services never received Complaint Narrative I am disputing an account with XXXX, XXXX ( Account ID : XXXX ). This account is being reported as a charge-off for {$6800.00}. 

This is inaccurate and invalid because : The debt stems from a subscription with XXXX that I canceled due to health and financial hardship before any services were rendered. 

Despite cancellation, I never received any services. 

I contacted both XXXX and XXXX numerous times by email ( copies attached ). My cancellation request was ignored, and XXXX never provided a response with proof of a valid debt. 

I also sent XXXX multiple written dispute letters requesting validation. XXXX failed to provide any supporting documentation but still reported the account as a charge-off. 

Reporting a debt without validation is a violation of the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). This inaccurate charge-off is severely damaging my credit report and financial well-being.

Resolution Requested Immediate deletion of this account from my credit reports with Experian, Equifax, and TransUnion. 

Written confirmation from XXXX that this invalid debt has been removed.

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 2025-08-25 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: TX

Complaint narrative:
Company : XXXX, XXXX. 
Product : Personal Loan / Installment Loan Issue : Incorrect information on credit report / debt for services never received Complaint Narrative I am disputing an account with XXXX, XXXX ( Account ID : XXXX ). This account is being reported as a charge-off for {$6800.00}. 

This is inaccurate and invalid because : The debt stems from a subscription with XXXX  that I canceled due to health and financial hardship before any services were rendered. 

Despite cancellation, I never received any services. 

I contacted both XXXX and XXXX numerous times by email ( copies attached ). My cancellation request was ignored, and XXXX never provided a response with proof of a valid debt. 

I also sent XXXX multiple written dispute letters requesting validation. XXXX failed to provide any supporting documentation but still reported the account as a charge-off.

Reporting a debt without validation is a violation of the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). This inaccurate charge-off is severely damaging my
credit report and financial well-being.

Resolution Requested Immediate deletion of this account from my credit reports with Experian, Equifax, and TransUnion. 

Written confirmation from XXXX that this invalid debt has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I am a victim of identity theft and the equifax data breach. Many illegal accounts have been opened in my name and many illegal inquiries have been made to try to open fraud accounts in my name. I have tried to work this out with Equifax and Equifax has done nothing. Under FCRA these accounts and inquiries should be removed from my account within 4 days. Please help me remove this illegal account and inquiries immediately I have attached all documents. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am formally filing a complaint regarding the handling of my XXXX Checking account by Capital One and the unreasonable restrictions placed on my account. 

On XX/XX/year>, I received an email from Capital One stating that suspicious activity had been detected on my XXXX Checking account. For security reasons, Capital One restricted my account. I immediately called the phone number provided in the email and verified my information with customer service. However, the representative told me that the issue could only be resolved in person at a physical branch. 

On XX/XX/year>, I received an email requesting me to upload identification documents. I promptly uploaded the requested documents through the secure link provided. Despite my full cooperation, as of today ( XX/XX/year> ), my account remains restricted, and I am unable to withdraw or use the funds in my account. 

Furthermore, Capital Ones customer service has now informed me that my account will be closed, but insists that I must visit a branch in person to complete any follow-up procedures or obtain related information. Considering I have already submitted all verification materials remotely, this requirement is extremely unreasonable and unfair. 

A substantial amount of money is frozen in my account, and these funds are essential for my daily life. Being unable to access the funds for more than XXXX weeks has caused me financial hardship and significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed would be removed but remains on my reportIt is identity identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: HI

Complaint narrative:
Fraudulent Hard Inquiries : ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Fraudulent Hard Inquiries : ( Equifax ) XXXX XXXX XXXX XXXX XX/XX/year> These inquiries were not authorized by me and must be permanently deleted.

3. Address Corrections Please remove all prior addresses and ensure my address appears ONLY as : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Legal Basis for My Demand 15 USC 1681e ( b ) : You must maintain reasonable procedures to assure maximum accuracy.

15 USC 168li ( 5 ) ( A ) : When information is found to be inaccurate, unverifiable, or fraudulent, you are required to delete or correct it promptly.

15 USC 1666b : Unauthorized billing/inquiries must not be reported against me. 
XXXX XXXX XXXX XXXX  Account # XXXX XXXX inaccurate late payments must be deleted. 
I do not authorize XXXX to report this account. I demand it be permanently removed from my Equifax, Experian, and TransUnion credit report.

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 2025-08-25 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: HI

Complaint narrative:
Fraudulent Hard Inquiries : ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Fraudulent Hard Inquiries : ( Equifax ) XXXX XXXX XXXX XXXX XX/XX/year> These inquiries were not authorized by me and must be permanently deleted.

3. Address Corrections Please remove all prior addresses and ensure my address appears ONLY as : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Legal Basis for My Demand 15 USC 1681e ( b ) : You must maintain reasonable procedures to assure maximum accuracy.

15 USC 168li ( 5 ) ( A ) : When information is found to be inaccurate, unverifiable, or fraudulent, you are required to delete or correct it promptly.

15 USC 1666b : Unauthorized billing/inquiries must not be reported against me. 
XXXX XXXX XXXX XXXX  Account # XXXX XXXX inaccurate late payments must be deleted. 
I do not authorize XXXX to report this account. I demand it be permanently removed from my Equifax, Experian, and TransUnion credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: MA

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed would be removed but remains on my report ; It is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting account without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-25 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: PA

Complaint narrative:
I am the victim of identity theft. A fraudulent timeshare account ( Account XXXX : XXXX ) was added to my Experian credit report. On XX/XX/2025, I filed an FTC Identity Theft Report and disputed the account through Experian and the CFPB. On XX/XX/2025, Experian deleted the account. 

On XX/XX/2025, Experian wrongfully reinserted the account into my file without providing notice or certification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires permanent blocking of identity theft accounts within 4 business days once proper documentation has been submitted. Experian has had my FTC report since XX/XX/2025. XXXX is unlawful. 

FCRA 611 ( a ) ( 5 ) ( B ) : Requires written notice to the consumer within 5 business days of reinsertion and certification of accuracy from the furnisher. Experian did neither.

I am demanding that Experian : Permanently block and remove this fraudulent account within 4 business days as required by law.

Provide written confirmation that it will never again be reinserted. 

Disclose the furnishers name, address, and telephone number, along with the certification used for reinsertion. 

XXXX failure to comply with the FCRA has caused me harm and puts them in clear violation of 605B, 611, and 623. I request the CFPB to enforce immediate corrective action.

Attachments : Reinsertion Dispute Letter FTC Identity Theft Report ( XX/XX/XXXX and XX/XX/XXXX for the reinsertion ) Screenshot of Account Removal ( XX/XX/2025 ) PDF of Reinsertion ( XX/XX/2025 ) FCRA 605B law Copy of ID Copy of Social Security Card Copy of Proof of Address

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX Reported : XXXX XXXX, XXXX + {$380.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} In good standing OTHER LOANS I been a victim of identity theft and I have the FTC REPORT And just because the information come back as verified does not mean validation FCRA requiring block removal within 4 business days, specifically under 15 U.S.C. 1681c-2. XXXXXXXX XXXX XXXX XXXX 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 2025-08-25 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXXXXXX XXXX XXXX XXXX  XXXX, which XXXX XXXX confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed would be removed but remains on my report ; It is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting account without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
My credit reports contain multiple inaccurate, unverified, and unauthorized entries that are causing me harm. Despite submitting disputes and affidavits, the credit bureaus continue to report accounts and inquiries without providing documentation proving their accuracy or my liability. 

Specifically, several accounts are being reported as charged off or in collections, yet no original signed contract or chain of assignment has been produced as required under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ). In addition, my reports include unauthorized hard inquiries that I never consented to, in violation of FCRA 604.

The bureaus have failed to conduct proper reinvestigations within the 30-day statutory period and continue to circulate my personal information without consent, violating 15 USC 6802 . Their failure to follow the law has resulted in reputational damage, financial harm, and denial of fair access to credit. I am requesting that these inaccurate, unverifiable, and unauthorized items be immediately removed.

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 2025-08-25 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which XXXX XXXX confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA.

Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation