vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-18 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-05-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXXXXXX acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A, states I have rights to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written or verbal contract with me.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased concert tickets on XX/XX/XXXX, {$240.00}, using my Paypal Mastercard, ending # XXXX, the concert was scheduled for XX/XX/XXXX. I received a notice from XXXX  XXXX that it had been postponed. After a few months of NO communication, I wrote twice for a refund. The response was canned ; they never addressed my requests. We are now in XX/XX/XXXX, still there has been no communication of a new date of which I'm no longer interested, nor a notice of refund. I later contacted Sychrony Bank and sent a charge dispute, I did this three times, the latest dispute was sent XX/XX/XXXX. I had to call, XX/XX/XXXXXXXX  for an update at which time I was told my claim was denied and that I would receive notice. Today is XX/XX/XXXX, still No notice from Sychrony Bank or a notice of my claim on their site.

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 2025-05-18 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:
Hello, I was wondering, can u assist me in having thigs removed from my file? Everything I want to have removed can be found in the report I'm sending along. I've experenced identity theft, and those charges most certinly aren't my own. I absolutely have to have them removed ASAP bc I'd like to get my credit report in order. I've already notified the Federal Trade Commission, so I'm attaching their information with an Identity Theft Affidavit. Could you please take care of it as soon as possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
Hello, I was wondering, can u assist me in having thigs removed from my file? Everything I want to have removed can be found in the report I'm sending along. I've experenced identity theft, and those charges most certinly aren't my own. I absolutely have to have them removed ASAP bc I'd like to get my credit report in order. I've already notified the Federal Trade Commission, so I'm attaching their information with an Identity Theft Affidavit. Could you please take care of it as soon as possible?

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I check my card activity every few days and noticed a pending charge I did not recognize from XXXX for {$950.00} XXXX contacted XXXX XXXX and told them of the fraudulent charge which they credited back pending investigation. XX/XX/year> - initial charge XX/XX/year>- it was credited back. At that time, I had that card number canceled and was issued a new card and number. Then in early XXXX, I received correspondence from Capital One that the fraud review was complete and that I was responsible for the charge. XX/XX/year> - charge was added back to my account. This is not a purchase I made- this was clearly fraudulent - I have contacted XXXX to ask them to investigate. This was apparently the purchase of XXXX computer tablets ( which seems to me should be a red flag ). I have not received a response from XXXX. Again, this is not something I ordered, not something I received, and I would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-18 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: AR

Complaint narrative:
b'Creditor XXXX XXXX XXXX reporting late payment status inaccurately in the month of XXXX XXXX day late reported, 60 day late reported inaccurately. Contacted creditor and credit bureaus, no progress. I have documents supporting my claim\nAccount number XXXX XXXX\n\nAccount has a maturity date of XXXX  paid ahead and is now paid off completely. My primary concern is the late payment listed for XXXX XXXX\n\nMy payment due date is the XXXX of each month and my XXXX payment was made on XXXX XXXX  of XXXX, a 30 day late is completely inaccurate.'

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 2025-05-18 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: AR

Complaint narrative:
XXXXCreditor XXXX XXXX XXXX reporting late payment status inaccurately in the month of XXXX XXXX day late reported, 60 day late reported inaccurately. Contacted creditor and credit bureaus, no progress. I have documents supporting my claim\nAccount number XXXX XXXXAccount has a maturity date of XXXX  paid ahead and is now paid off completely. My primary concern is the late payment listed for XXXX XXXXMy payment due date is the XXXX  of each month and my XXXX  payment was made on XXXX XXXX XXXX XXXX, a 30 day late is completely inaccurate.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IN

Complaint narrative:
Have the wrong adress and hard inquiries thats didnt have my information was leaked in XXXX data breaches. 

Transunion XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX P FIN XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN Experian 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Have the wrong adress and hard inquiries thats didnt have my information was leaked in XXXX data breaches. 

Transunion XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX P FIN XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN Experian 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 XXXXXXXX

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 2025-05-19 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: FL

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 2025-05-18 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-18 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: AR

Complaint narrative:
I am writing to formally dispute certain charges and reporting activity under the FCBA

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 2025-05-18 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: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
DEPARTMENT OF EDUCATION SOLD THIS ALLEGED DEBT TO XXXX XXXX AND TO OTHER CREDIT REPORTING AGENCIES VIOLATING THE FCRA 15 USC 1681a and FCRA 15 USC 1681n willful Non compliance AND the PRIVACY ACT 5 USC 552a

Company response to consumer: Untimely response
Consumer complaint received 2025-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I do not have a contract with Capitol One. They did not provide me with any evidence of a contract as required by law. I demand this account be deleted from my credit report. Doctrine of XXXX there is no evidence of a debt, so there for no debt exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE Inquired on XX/XX/XXXXXXXX  Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I did not apply for this I already have two capital ones

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
Subject : Round 2 Dispute - Fraudulent Accounts and Inquiries ( Identity Theft ) Dear Consumer Relations Department, This is a formal follow-up dispute regarding fraudulent accounts and inquiries that continue to appear on my credit report, despite my initial dispute. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) and the Fair Credit Billing Act ( FCBA ) to demand that these fraudulent items be blocked, reinvestigated, and permanently deleted from my credit report. 
I first became aware of fraudulent activity on my credit report on XX/XX/year>, when I attempted to apply for a home loan. Despite my previous dispute, the following unauthorized accounts and inquiries remain on my report : Fraudulent Accounts to Be Blocked & Deleted

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 2025-05-18 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: TX

Complaint narrative:
XXXX XXXX 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 Equifax 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. This fraudulent, inaccurate, and false information consists of : Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a dispute regarding inaccurate and negative accounts appearing on my credit report. Despite my initial request, these accounts remain on my file without proper validation or removal. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, the credit bureaus are required to conduct a reasonable investigation and correct or delete any information that is inaccurate, incomplete, or unverifiable within 30 days. 

The disputed accounts were not properly validated by the credit bureau ( s ), and yet they continue to be reported, negatively impacting my credit. This is a direct violation of the FCRA, and I am now escalating this complaint through the Consumer Financial Protection Bureau ( CFPB ) to demand immediate compliance. 

I request that the credit bureaus provide documented evidence verifying the accuracy and legitimacy of each negative account still being reported. If such documentation can not be produced, these accounts must be permanently deleted from my credit file immediately. 

Furthermore, I demand a detailed explanation of why these previously disputed items have not been removed despite my formal dispute and supporting documentation. Failure to comply may result in further escalation, including formal complaints with the Federal Trade Commission ( FTC ) and potential legal action for noncompliance.

I expect a resolution within the legally required timeframe and a written confirmation that these errors have been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a dispute regarding inaccurate and negative accounts appearing on my credit report. Despite my initial request, these accounts remain on my file without proper validation or removal. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, the credit bureaus are required to conduct a reasonable investigation and correct or delete any information that is inaccurate, incomplete, or unverifiable within 30 days. 

The disputed accounts were not properly validated by the credit bureau ( s ), and yet they continue to be reported, negatively impacting my credit. This is a direct violation of the FCRA, and I am now escalating this complaint through the Consumer Financial Protection Bureau ( CFPB ) to demand immediate compliance. 

I request that the credit bureaus provide documented evidence verifying the accuracy and legitimacy of each negative account still being reported. If such documentation can not be produced, these accounts must be permanently deleted from my credit file immediately. 

Furthermore, I demand a detailed explanation of why these previously disputed items have not been removed despite my formal dispute and supporting documentation. Failure to comply may result in further escalation, including formal complaints with the Federal Trade Commission ( FTC ) and potential legal action for noncompliance.

I expect a resolution within the legally required timeframe and a written confirmation that these errors have been corrected.

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 2025-05-18 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