vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 
Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX account : [ XXXX ] late payments on the above-mentioned account, which appeared on my credit report during or following the XXXX pandemic. After reviewing the details and understanding the protections offered by federal law during that time, I am requesting the removal of these late payments based on both legal grounds and fairness. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to furnish accurate and complete information. Further, under the CARES Act ( Section 4021 ), if an account was current at the time an accommodation was made ( such as deferment, forbearance, or modified payment plans ), the creditor was required to continue reporting the account as current as long as the consumer complied with the terms of the arrangement. 

Additionally, I previously made an attempt to contact Capital One to inform them that I had resumed employment and intended to bring the account currentwhich I did. However, at no point during this communication was I informed of any available relief under the CARES Act, nor was I offered any hardship accommodations that may have prevented the account from falling into further delinquency or being charged off. 

If this account was under any sort of hardship relief, deferment, or forbearanceeven informallyI should not have been reported as late. If no relief was extended, I would like clarification on why, particularly when other demographics and customers were offered accommodations that were not communicated to me. This raises questions about consistency and fairness in how relief was applied and communicated across your customer base. 

I am therefore requesting : A full investigation into the timing and accuracy of the late payment reporting.

A retroactive application of any pandemic-era accommodation that may have applied but was not clearly disclosed.

The removal of these late payments as a gesture of goodwill, given the widespread disruption during this period and the ambiguity around how relief options were administered. 

This is an opportunity for your institution to demonstrate its commitment to fair treatment of all customers and accurate credit reporting. 

Please respond in writing within 30 days with the outcome of your investigation. If the issue is not resolved, I am prepared to escalate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX - Date Opened 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 explanation
Consumer complaint received 2025-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my 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 non-monetary relief
Consumer complaint received 2025-04-13 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: MI

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-13 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: DC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian

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 2025-04-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened 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 2025-04-14 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US 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 2025-04-13 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-04-13 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: DC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX account : [ XXXX ] late payments on the above-mentioned account, which appeared on my credit report during or following the XXXX pandemic. After reviewing the details and understanding the protections offered by federal law during that time, I am requesting the removal of these late payments based on both legal grounds and fairness.

Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to furnish accurate and complete information. Further, under the CARES Act ( Section 4021 ), if an account was current at the time an accommodation was made ( such as deferment, forbearance, or modified payment plans ), the creditor was required to continue reporting the account as current as long as the consumer complied with the terms of the arrangement.

Additionally, I previously made an attempt to contact Capital One to inform them that I had resumed employment and intended to bring the account currentwhich I did. However, at no point during this communication was I informed of any available relief under the CARES Act, nor was I offered any hardship accommodations that may have prevented the account from falling into further delinquency or being charged off.

If this account was under any sort of hardship relief, deferment, or forbearanceeven informallyI should not have been reported as late. If no relief was extended, I would like clarification on why, particularly when other demographics and customers were offered accommodations that were not communicated to me. This raises questions about consistency and fairness in how relief was applied and communicated across your customer base.

I am therefore requesting : A full investigation into the timing and accuracy of the late payment reporting.

A retroactive application of any pandemic-era accommodation that may have applied but was not clearly disclosed.

The removal of these late payments as a gesture of goodwill, given the widespread disruption during this period and the ambiguity around how relief options were administered.

This is an opportunity for your institution to demonstrate its commitment to fair treatment of all customers and accurate credit reporting. 

Please respond in writing within 30 days with the outcome of your investigation. If the issue is not resolved, I am prepared to escalate this matter

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX account : [ XXXX ] late payments on the above-mentioned account, which appeared on my credit report during or following the XXXX pandemic. After reviewing the details and understanding the protections offered by federal law during that time, I am requesting the removal of these late payments based on both legal grounds and fairness. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to furnish accurate and complete information. Further, under the CARES Act ( Section 4021 ), if an account was current at the time an accommodation was made ( such as deferment, forbearance, or modified payment plans ), the creditor was required to continue reporting the account as current as long as the consumer complied with the terms of the arrangement. 

Additionally, I previously made an attempt to contact Capital XXXX to inform them that I had resumed employment and intended to bring the account currentwhich I did. However, at no point during this communication was I informed of any available relief under the CARES Act, nor was I offered any hardship accommodations that may have prevented the account from falling into further delinquency or being charged off.

If this account was under any sort of hardship relief, deferment, or forbearanceeven informallyI should not have been reported as late. If no relief was extended, I would like clarification on why, particularly when other demographics and customers were offered accommodations that were not communicated to me. This raises questions about consistency and fairness in how relief was applied and communicated across your customer base.

I am therefore requesting : A full investigation into the timing and accuracy of the late payment reporting.

A retroactive application of any pandemic-era accommodation that may have applied but was not clearly disclosed.

The removal of these late payments as a gesture of goodwill, given the widespread disruption during this period and the ambiguity around how relief options were administered.

This is an opportunity for your institution to demonstrate its commitment to fair treatment of all customers and accurate credit reporting. 

Please respond in writing within 30 days with the outcome of your investigation. If the issue is not resolved, I am prepared to escalate this matter

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX account : [ XXXX ] late payments on the above-mentioned account, which appeared on my credit report during or following the XXXX pandemic. After reviewing the details and understanding the protections offered by federal law during that time, I am requesting the removal of these late payments based on both legal grounds and fairness. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to furnish accurate and complete information. Further, under the CARES Act ( Section 4021 ), if an account was current at the time an accommodation was made ( such as deferment, forbearance, or modified payment plans ), the creditor was required to continue reporting the account as current as long as the consumer complied with the terms of the arrangement.

Additionally, I previously made an attempt to contact Capital One to inform them that I had resumed employment and intended to bring the account currentwhich I did. However, at no point during this communication was I informed of any available relief under the CARES Act, nor was I offered any hardship accommodations that may have prevented the account from falling into further delinquency or being charged off.

If this account was under any sort of hardship relief, deferment, or forbearanceeven informallyI should not have been reported as late. If no relief was extended, I would like clarification on why, particularly when other demographics and customers were offered accommodations that were not communicated to me. This raises questions about consistency and fairness in how relief was applied and communicated across your customer base.

I am therefore requesting : A full investigation into the timing and accuracy of the late payment reporting.

A retroactive application of any pandemic-era accommodation that may have applied but was not clearly disclosed.

The removal of these late payments as a gesture of goodwill, given the widespread disruption during this period and the ambiguity around how relief options were administered.

This is an opportunity for your institution to demonstrate its commitment to fair treatment of all customers and accurate credit reporting.

Please respond in writing within 30 days with the outcome of your investigation. If the issue is not resolved, I am prepared to escalate this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX & XXXX XXXX - Date XXXX XX/XX/XXXX Account XXXX : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation