vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a )

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 2025-06-16 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: NJ

Complaint narrative:
This is the letter I am submitting in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, and/or reported without proper documentation or permissible purpose. These reporting practices violate federal regulations, damage my credit reputation, and hinder my financial stability. 



Disputed Items Open Delinquent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Violations of Federal Law 1. 15 U.S.C. 1681 ( Section 602 ( a ) ) I have the right to privacy, and all reported information must be fair, accurate, and substantiated.

2. 15 U.S.C. 1681b ( a ) ( 2 ) Consumer reporting agencies are prohibited from furnishing credit reports without a valid permissible purpose and written consent.

3. 15 U.S.C. 1681c ( a ) ( 5 ) Adverse or outdated information may not remain past legally allowed reporting periods.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Information furnishers are barred from reporting data they know or should reasonably know is inaccurate.

5. 15 U.S.C. 1681 604 ( a ) ( 2 ) A consumer reporting agency can not furnish any account without my written instructions.

6. 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account as late for any purpose under an open-end consumer credit plan.

7. Metro 2 Standards Require accurate formatting, account status representation, and verifiable proof of all derogatory data reported.

Despite my formal disputes and requests, no physically verifiable documentation has been provided to support the accuracy or validity of these accounts. I have not received : Proof of a permissible purpose Signed contracts or account ownership documents Verification supporting derogatory or delinquent status Evidence of proper formatting or compliance with Metro 2 standards Remedy Requested : I am requesting the immediate deletion of the accounts listed above, as required by law when items can not be fully verified or fail to meet reporting compliance. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN Last XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX NJ 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am disputing a dismissed XXXX XXXX XXXX that is currently being reported by XXXX. This XXXX  was filed on XX/XX/XXXX and dismissed on XX/XX/XXXX ( Case Number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I contacted the court directly and confirmed that they do not report to credit bureaus. Therefore, XXXX  is reporting unverifiable and inaccurate public record data, which violates the FCRA. 

I have disputed this information, but XXXX  refused to remove it. I am requesting that this unverifiable public record be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint XXXX XXXX party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-16 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Statement of Complaint Capital One Credit Card Dispute Mishandling On XX/XX/year>, I used my Capital One credit card to purchase {$20.00} worth of gas at the XXXX store located at XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX I was not issued a receipt at the pump. Later, I discovered that I had been charged {$150.00}, which was significantly higher than the amount of gas I actually purchased. 

I immediately reported the charge to Capital One, which initially treated it as a fraud case. After reviewing, they reclassified the issue and informed me I should have filed it as a dispute, not fraud. I complied and filed a dispute.

Despite my efforts and submission of a merchant-provided receipt showing the full charge of {$150.00}, Capital One denied the dispute, citing a lack of receipt from the original transaction. I explained that I did not receive a receipt at the time of purchase and later obtained one that showed the full amount chargedbut because of a scam involving the merchant, it did not accurately reflect the gas I actually received.

Capital One refused to take further action, declined to contact the merchant, and repeatedly claimed their hands were tied due to XXXX policy. I then contacted XXXX directly, and they confirmed this was not their policy and stated that Capital Ones dispute procedures are set by the bank itselfnot XXXX. 

I was escalated to multiple Capital One supervisors in the disputes department, none of whom took action to resolve the matter. Ultimately, Capital One reassessed the full {$150.00} charge to my account, leaving me financially responsible for a transaction I did not authorize in that amount and that was part of an acknowledged scam by the stores manager.

Capital One failed to protect me as a cardholder from a known fraudulent transaction and mishandled my dispute by hiding behind misleading policy claims. They refused to investigate the issue or advocate on my behalf as a customer.

Resolution Requested : Reopen and properly review the transaction dispute Refund the {$130.00} overcharge Investigate and take accountability for the mishandling of my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

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 2025-06-16 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 have found an inaccurately reported late payment on my credit report. Based on my records and consistent payment history, I request that this error be corrected and that the late mark be deleted immediately.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im contacting you regarding my credit report, and I need this handled without delay. There is data currently listed on my report that I do not recognize and can not confirm as accurate or belonging to me. 

Im formally requesting that you certify in clear, unequivocal terms that every single piece of information under my account has been properly verified and belongs solely to me. That includes all accounts, inquiries, payment histories, personal details, and any other reporting elements associated with my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 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 2025-06-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-16 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/year> - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : XXXX. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft.

Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/year> - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : XXXX. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft.

Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per my credit report it shows that this company has written off this account. The company never sent me a 1099 Cancellation of debt.

Company response to consumer: Closed with explanation