vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I disputed multiple collection accounts listed on my credit report, including those from LVNV Funding LLC ( opened XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX XXXX XXXX ( opened XX/XX/XXXX ). I submitted my disputes properly through the credit bureaus and requested original documentation verifying the debt, such as signed contracts and billing statements.

Instead of providing the requested documents, the companies marked the debts as verified without any actual investigation or proof. I believ

e this violates the Fair Credit Reporting Act ( FCRA ), as they failed to conduct a reasonable and good faith investigation. These accounts are still negatively impacting my credit despite the fact that proper verification was never provided. I am a single father supporting multiple children and rely on access to credit for basic household needs. Im requesting that these accounts be removed or that the companies provide full original documentation to validate their claims. I also request the CFPB hold them accountable for using automated responses to dismiss valid disputes, as highlighted in your recent actions against XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : 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 XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$6200.00}

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 2025-06-06 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: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that I did not open or authorize. This account reflects fraudulent use of my personal information and was opened without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-06-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-06 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: IN

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID and the FTC 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am submitting a formal complaint against Toyota Motor Credit for inaccurate and inconsistent payment history reporting across the three major credit bureaus for account # XXXX. 

XXXX  and XXXX  both report XXXX late payments for XXXX consecutive months ( XXXX XXXX ). This is not only misleading but a factual error, as credit reporting guidelines require delinquencies to escalate ( XXXX XXXX 90 days late ), not remain at XXXX indefinitely. 

Following these delinquencies, XXXX  reports XXXX  months of OK statuses from XX/XX/XXXX through XX/XX/XXXX, and XXXX  reports OK through XX/XX/XXXX. However, XXXX  then suddenly reports XXXX ( refinanced ) for XXXX months, followed by a charge-off from XX/XX/XXXX through XX/XX/XXXX. This sequence is irregular and suggests either unauthorized re-aging, data reclassification, or unverifiable activity on the account. 

Meanwhile, XXXX  reports nothing at all, despite both other bureaus listing serious derogatory activity. These conflicting reports violate FCRA 607 ( b ), which requires furnishers to maintain and report only accurate, consistent, and verifiable information. 

Attached is a screenshot of the three-year payment history from my credit report highlighting these reporting conflicts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized inaccurate address. listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these inaccurate address. 
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 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 explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: TX

Complaint narrative:
Have applied for a balance transfer 4 times with Discover and have completed ID checks. All the requests have been cancelled, and I have wasted hours on the phone dealing with them. 

Please ask them to refund the full balance transfer fee of {$150.00} for the poor customer service, I have received from them. 

See below call reference complant. 

Reference Number XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024 Experian XXXX XX/XX/2024 Experian XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XXXX XXXX XX/XX/2024 Equifax XXXX  XXXX XX/XX/2024 Equifax

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 2025-06-07 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: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want these accounts removed and deleted off my credit from all three bureaus ( Transunion, XXXX XXXX XXXX I did not authorize these companies to run my credit. Under Law Section 605B - 1681 c-2 of the Fair Credit Reporting Act ( FCRA ) this is Fraudulent.

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today was a second attempt to call the bank and discuss settling the account. The bank said that there is no settlement. They attempted to pivot to a payment arrangement. 

I clearly and politely let them know i am not in a place to continue making payments as i have already settled one account with a different bank and had a charge off with a third bank. I stated clearly my hardship and still the only response i got back was sorry we don't have a settlement offer and they took XXXX hard stance to not even talk about this any further at which point i thanked the person and hung up. 

I am making a good faith due diligent attempt to discuss any settlement offer that capital one is willing to consider. I am not running away from my responsibility, i am instead attempting to discuss a possible settlement amount that i can pay them and close the account out. 

Instead of ignoring the problem, im attempting to fix it by making a settlement payment to which capital one is refusing. 

My account is already late. If they pull my credit file they will see my credit is tarnished and ive been quickly on a down fall towards bankruptcy. A settlement ( if one can be negotiated ) at least ensures that capital one still gets a payment and we successfully bringing this to a close without me being pushed to a bankruptcy judge to get protections from aggressive collections. 


Rising cost of living, among all other increases is basically what pushed me to this point. Otherwise capital one would of gotten normal payments if i could continue them. 

I am writing in for help from CFPB so that i can speak to anyone at capital one to keep me from falling to point i have to lose everything due to the insistence of a bank to want to negotiate in good faith. 

I am a fair and flexible person and would be happy to review any settlement offer that capital one deems fair. Otherwise i simple have no way to make regular payments as the money i have allocated for normal payments is now being used for other medical and cost of living expenses. 

If anyone at capital one is willing to speak with me i am flexible and willing to talk and hear any settlement offers they have. 

I am sure we can settle this without further escalation and hope that through this medium we can reach a solution. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/ and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information 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 that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any 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 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 2025-06-06 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: CO

Complaint narrative:
On XX/XX/XXXX I received a notice that 4 unauthorized hard inquiries hard been reported on my TransUnion credit file. I called TransUnion to notify them of the error. 
The 4 inquiries that do not belong to me ( not initiated by me ) are : XXXX XXXX XXXX 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 I have filed disputes for the 4 Inquiries, but they have not been removed yet. 

There is also a new credit card account ( XXXX is the name of the company ) that does not belong to me ( not opened by me ). I have also filed a dispute for this account. The account that needs to be removed is : 1 ) XXXX XX/XX/XXXXXXXX There is also a closed credit card account that does not belong to me ( not mine ) and should be removed. I disputed this account as well. 
XXXX ) XXXX XXXX XX/XX/XXXXXXXX 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 2025-06-07 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: IN

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to log in to my CitiBank online account and was unexpectedly locked out. I immediately contacted Citis customer support via phone and live chat. I was told that my account was not locked and advised to try again after 24 hours.

I followed this advice, but the issue persisted. Over the next several months, I contacted Citi support more than ten times through both phone and chat. Each time, I received the same response : that my account was not locked and I should try again later. Despite these repeated attempts and assurances, I have remained unable to access my credit card and checking accounts.

I have not received any meaningful updates, explanations, or resolutions from Citi. This has caused significant disruption to my ability to manage my finances, including making payments and monitoring account activity. 

I am now seeking assistance from the CFPB to compel CitiBank to resolve this issue, restore my account access, and provide a clear explanation for the prolonged inaction.

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 2025-06-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I opened a Tiered CD account with Barclays XXXX  with an initial deposit of {$1000.00}. I got the email that my account was opened and I should try to login. Upon trying to login my account would go to auto lock. I called the customer service and they would unlock and ask me to try to login again. Upon trying to login my account would again be auto locked. After few days the customer service person attending the call acknowledged that there seems to be an issue at Barclays end and they will raise a ticket to resolve no. XXXX. Over the next two weeks I called them several times, and each time a new person will pick up and promise a call back or a resolution. No one ever called back and post waiting for 2 weeks, I requested that my account be closed and amount be transferred back to my linked account if Barclays is unable to resolve the issue. The customer service personnel attending the call proceeded with closing the account given she had no answer or a date by when I could get access to my account. 

Over the last 3 weeks, Barclays made XXXX efforts to resolve the issue and provide me access to my own account. There was no process to make a complaint which I requested several times. I was told there was no supervisor that I could speak to. It was like hitting the brick wall with the only option available to close the account. I am not sure why Barclays XXXX has a license in the US if they are incapable to provide a basic service.

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

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