vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Under the Fair Credit Reporting Act ( FCRA ) I am a victim of identity theft and am formally requesting the immediate removal of unauthorized hard inquiries from my credit report maintained by TransUnion. These inquiries were made without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX, credit reporting agencies are required to block all information resulting from identity theft within XXXX ( XXXX ) business days of receiving a valid identity theft report. This includes unauthorized hard inquiries. 

Inquiries to removed immediately : XXXX XXXX Date of inquiry : XX/XX/XXXX I am including the following documents as required under FCRA XXXX. 

Please provide written confirmation of the actions taken on this matter. If no action is taken within the time allowed under the FCRA, I will pursue further legal remedies as permitted by law. Please note you have XXXX days to remove this information. 

Thank you for your prompt attention to this urgent matter. 
XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$740.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
I discovered that the XXXX XXXX XXXX account on my credit report was inaccurately reporting multiple late payments, including XXXX, XXXX, and XXXX delinquencies, despite the account being paid in full. The account shows a dispute was filed but states dispute resolved consumer disagrees, yet the derogatory remarks remain. 

I initially disputed this account by certified mail beginning in XXXX and sent multiple dispute letters to both Experian and XXXX  through XXXX and XXXX, requesting verification or removal of the inaccurate data. In each case, I provided supporting documentation, including ID and proof of address. Despite these efforts, no proper reinvestigation was conducted, and no proof of verification was provided. 

As of my most recent credit report dated XX/XX/XXXX, XXXX continues to report the account with late payments and an unresolved dispute status. Equifax lists the account as paid but omits the full history and dispute context, making the file misleading and incomplete. 

Due to the failure of the credit bureaus and the furnisher to investigate and correct the information under their obligations outlined in the Fair Credit Reporting Act ( FCRA ), I am filing this formal complaint. I am requesting the permanent deletion of the XXXX XXXX XXXX account due to its inaccurate, incomplete, and unverifiable reporting.

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 2025-07-01 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: WA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c 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 2025-07-01 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) If, after any reinvestigation of information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify it accordingly, and ( ii ) promptly notify the furnisher of that information that it has been modified or deleted. 

Please remove the following item from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Status : Placed for Collection I have not been provided proof of this alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume no proof of the alleged debt exists. Therefore, this item must be 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 non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) If, after any reinvestigation of information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify it accordingly, and ( ii ) promptly notify the furnisher of that information that it has been modified or deleted. 

Please remove the following item from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Status : Placed for Collection I have not been provided proof of this alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume no proof of the alleged debt exists. Therefore, this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank Attn : Customer Relations Department Subject : Formal Complaint Regarding Account Closure Due to Poor Investigation and Racial Profiling To Whom It May Concern, I am writing to formally express my deep disappointment and frustration regarding the recent closure of my account with Capital One. The decision to close my account was made based on an incomplete and poorly conducted investigation that lacked transparency and fairness.

I strongly believe that this action was not only unjustified but also a clear example of XXXX profiling. As a customer, I expected to be treated with fairness, dignity, and respect, regardless of my race. Unfortunately, my experience with Capital One has proven otherwise.

I was provided with little to no explanation regarding the closure of my account. Despite my attempts to cooperate and provide any necessary information, I was met with dismissive responses and a lack of proper communication. The way this situation was handled suggests biased treatment and discriminatory practices that are unacceptable for an institution that claims to value diversity and equality.

I demand a full explanation of the reasons behind the closure of my account, a thorough review of the investigation process, and accountability for the harm caused by this discriminatory action. I also request that this complaint be escalated to the appropriate department for resolution.

If this matter is not resolved promptly and fairly, I will be forced to explore further options, including filing complaints with the the Office of the Comptroller of the Currency ( OCC ), and seeking legal advice regarding potential violations of my civil rights. 

I expect a written response within XXXX business days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) Equifax, I am writing to formally dispute the reporting of the XXXXXXXX XXXX XXXXXXXX account on my credit report, as reflected in my recent credit disclosure dated XX/XX/XXXX. This account is being inaccurately reported, and I demand immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Compliance Guidelines. Disputed Items : 1. Erroneous Charge-Off & Balance Reporting The account is listed as charged off with a past-due balance of {$270.00}. According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), data furnishers must update account information accurately. If the debt was charged off, the past-due balance should not continue reporting, as it contradicts accounting standards ( GAAP ) and Metro 2 guidelines. Under Metro 2 guidelines, a charged-off account should have a balance of {$0.00} if sold or forgiven. Please confirm if this debt was sold to a third party and update the status accordingly. 2. Re-aging & Incorrect Delinquency Reporting The payment history indicates continued reporting of CO ( Charge-Off ) from XXXX through XXXX. This is a clear violation of the FCRA ( 15 U.S. Code 1681c ), which prohibits accounts from being reported negatively beyond the statutory 7-year limit. Since the account was last paid on XX/XX/XXXX, the delinquency date should not be manipulated to extend beyond 7 years from the original delinquency. The continued CO reporting violates the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 Guidelines, which state that charge-offs should not be updated monthly as if they are new occurrences. 3. Failure to Provide Validation of Debt Under 15 U.S. Code 1692g ( FDCPA ), I have the right to request validation of this debt. As the data furnisher, XXXXXXXX XXXX XXXXXXXX must provide verification. If they can not validate the debt, the reporting must be deleted immediately. This is a formal dispute under the FCRA ( 15 U.S. Code 1681i ), and I expect a response within the legally required 30 days. If this information is not corrected, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Please provide written confirmation of your findings and corrections. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Have not received funds nor access to my funds being held for XXXX years after multiple attempts submitted documents over and over being lied to about returning the check to it origin

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$5200.00} Open Date XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm contacting you to formally dispute and demand the immediate deletion of an item currently showing on my credit report. The information being reported is not accurate and does not meet the standards set forth under the Fair Credit Reporting Act ( FCRA ) specifically the requirement that all data reported must be complete, factual, and verified to the highest level of accuracy. 

This item fails to meet those standards. Whether its due to outdated information, missing context, or outright reporting errors, its clear that whats being shown does not reflect the truth and does not align with FCRAs maximum possible accuracy guideline. That makes it legally unacceptable, and I will not allow it to remain.

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 2025-07-01 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: CA

Complaint narrative:
XXXX hard inquiries appeared on my credit report without my knowledge, authorization, or consent XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not apply for credit, financing, or any services with these companies, nor did I give permission for my credit to be pulled. These inquiries were added in error or as a result of unauthorized access. 

On XX/XX/year>, I contacted the credit bureau and submitted a formal dispute requesting the deletion of these inquiries under the Fair Credit Reporting Act ( FCRA ), as they violate my rights regarding unauthorized use of my credit file. The inquiries remain on my report, causing harm to my credit profile and subjecting me to unnecessary risk.

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 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX FOR Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX Clear XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-07-01 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: CA

Complaint narrative:
I was looking at my credit report and i saw XXXX account that was opened fraudulently. 

XXXX XXXXXXXX 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 2025-07-01 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 was looking at my credit report and i saw XXXX account that was opened fraudulently. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
Even with being in contact with company to work out payment options and planning, they still sent in for foreclosure before letting us complete any and all paperwork that had to be sent through the mail. Even given those delays, there is still a foreclosure notice out on the property with no straight options for the family.

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