vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had identity theft issues which resulted in an account at Capital One being opened in name. The account ends in XXXX. This account is not mine and was not opened by me. I have had it removed from my credit report numerous times only to have Capital One turn around and request it be put back. I have filed a police report regarding this and have supplied a copy of the police report to the credit bureaus and I have been told by the bureaus that they have provided Capital One with a copy of the report but somehow Capital One still requests this account be placed on my credit. I will be attaching a copy of the police report to this complaint. My social security number is XXXX and my DOB is XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have tried all of the publicly-available fraud alert removal methods via Experian. All are met with " unable to do that '' ( remove extended fraud alert ) bot. I have no way to get to a person to assist. Confirmations sent to phone numbers which are verified in the Experian.com account never arrive, and the call is then ended. I am told to go to Experian.com/fraud and the sight gave me a virus.

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 2025-06-13 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: SC

Complaint narrative:
I have been a victim of identity theft. I want this unauthorized inquiry, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, removed from my credit report because it hinders me from obtaining credit. I have also attached my identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-13 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern Subject : Formal Notice of Identity Theft Demand for Immediate Blocking and Deletion of Fraudulent Account Pursuant to FCRA 605B and Metro 2 Compliance Dear XXXX  I am writing to formally notify you that an account currently being reported on my credit file is the result of identity theft and is therefore unauthorized and fraudulent. 
Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block the reporting of any information in my file that I identify as resulting from identity theft, within four ( 4 ) business days of receiving my notice, along with proper proof of identity and a valid identity theft report. 
The account in question is as follows : XXXX Name : XXXXXXXX XXXX XXXX  Account Number ( Partial ) : [ XXXX ] Amount : {$270.00} Enclosed are copies of my government-issued ID, proof of address, and a valid identity theft report ( e.g., FTC Identity Theft Report or Police Report ), satisfying the documentation required by FCRA 605B.

Additionally, continued reporting of this fraudulent account violates the Consumer Data Industry Association ( CDIA ) Metro 2 Compliance Guidelines, which require that data furnishers and credit reporting agencies maintain accurate and complete information. Reporting a known fraudulent account is a direct breach of these standards and constitutes willful non-compliance under FCRA 623 ( a ) ( 1 ) ( A ).

Therefore, I demand the following actions immediately : Block and permanently delete all information related to this fraudulent account from my credit file within four ( 4 ) business days. 
Send me written confirmation of the blocking and deletion. 
Notify the furnisher of this information that it has been blocked due to identity theft, as required by law. 
If you fail to comply with these legal obligations, you will be in violation of the FCRA, subject to civil liability, including actual damages, statutory damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

I expect a prompt and compliant resolution to this matter. Please govern yourselves accordingly. 
Sincerely, XXXX XXXX Enclosures : Government-issued ID Identity Theft Report

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 2025-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Received notification that there was a collections for medical debt from my XXXX XXXX XXXX XXXX XXXX XXXX  that I needed to deal with. I called Cornerstone in XX/XX/XXXX to correct address and get enrolled into a payment plan ( XXXX ). Never received anything in the mail as requested and called again XX/XX/XXXX to ask why I never received a bill. XXXX asked what address was and he stated back address that was correct. He then spoke with manager to see if notice could be resent and he came back and said they can not resend. XXXX referred to an old address and only could say we sent it. He also stated XXXX never enrolled me into the payment plan and that he left the company so records were not followed up with properly. He was extremely unprofessional and made a snide comment about " well, I am responsible and don't live paycheck to paycheck so I don't have that problem '' when I stated I was trying to enroll in payment plan and could not pay all the debt within 7 months time as he stated was necessary as I already live paycheck to paycheck.

Also of note, according to the new law with CFPB, there is a ban on inclusion of medical debt on credit reports and therefore the inclusion should not be on the credit report of which is on mine. There are two notations from Cornerstone in collections : 1 ) Cornerstone Credit Services opened XX/XX/XXXX in the amount of {$890.00} and, 2 ) Cornerstone Credit Services opened XXXX XXXX XXXX in the amount of {$1000.00} which are both medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: WA

Complaint narrative:
Working with the Credit Karma app, I got several offers for refinancing my vehicle. The one I liked was {$650.00} a month for 84 months at 5.63 % interest. I tried signing up for it but the company refused to honor the wuote. I worked with three different lenders including the one in the image below, and every single one of them ONLY offer 11.2 % at {$860.00} per month at 82 months. This is the second time Credit Karma misrepresented potential opportunities. The one before this said I can lower my {$300.00} a month insurance payment to {$80.00} a month but what they didnt say was that was for state minimum coverage and not the full coverage required by the loan company. When I went through the process I ended up getting a quote for $ XXXX from a competitor after wasting my time. Since Credit Karma has been sued for this before, you should know theyre doing it again. Again the best interest rate I got from blasting my credit with another 5-7 hard inquiries was 10.5 % -11.2 % and {$850.00} per month payments. I didnt discover the fabrication until I already agreed to hard credit hits. Went through all that just to realize they were blatantly lying about my eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-13 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-06-13 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: SC

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of id
entity 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I am reminding you once again that you must immediately DELETE any unverified inquiries listed below from your records.

As the party furnishing this alleged data, you must meet the minimum federal requirements to maintain the conditional privilege to report consumer information. I do not accept the reportability of any inquiry or claim that you can not verify with documented, factual evidenceparticularly those that fail to meet Metro 2 Compliance standards as outlined by the XXXX  Credit Reporting Resource Guide ( CRRG ). Any deviation from these standards undermines the integrity of the data and violates the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I observed the following unauthorized inquiries, which I never consented to 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 XXXXXX/XX/XXXX These inquiries appear to have been made without my knowledge or written consent, which directly violates FCRA 604 [ 15 U.S.C. 1681b ]. Any inquiry not initiated by me or supported by proper authorization is illegal.

I have previously contacted the creditors listed and formally requested removal of these inquiries. Over 30 business days have passed, and none have responded. Therefore, I am now requesting that you take action.

As required under the FCRA, I am demanding that you : Initiate an immediate investigation into these inquiries.

DELETE any inquiry you can not verify with documented evidence of permissible purpose and signed authorization.

Provide written confirmation of deletion and an updated copy of my credit report.

If you find any of these inquiries to be valid, provide documentation of your investigative procedures and a copy of the signed authorization within 15 business days of completing your investigation.

Failure to comply with this request may result in additional formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil action for willful noncompliance under FCRA 616 [ 15 U.S.C. 1681n ] and 617 [ 15 U.S.C. 1681o ].

I expect your full cooperation and a prompt resolution.

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 2025-06-13 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX ] Account Number : [ 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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is the second complaint concering the same unresolved issue. After first complaint submitted on XX/XX/year> ID # XXXX I was able to get my account information by the end of XXXX, XXXX I was also able to make a phone payment after being asked if I recognized a vendor. I was able to use my card and thought the issue was resolved. At some point I also discussed the issue with two different people in the fraud department who kept telling me it was their policy, but could not specify what the policy was. 

Today, XX/XX/year>, I call to get my account balance and make an additional payment and was once again automatically sent straight to the fraud department. Again, same as my experience in XXXX, I was not allowed any information regarding my account or its status, other than it may not work. Later I did purposefully use my card successfully, so it is not frozen and I still see no reason for this to happen. Furthermore, after receiving my last two billing statements since this began, I carefully looked at all activity and there is nothing out of the ordinary for my spending habits. 

I can not get an answer as to what is going on and the formal response to my first complaint does not address what happened. My question remains WHY after having this account for almost 15 years. The card ( may ) work, but I can not access my account information. Could a new card with new account number not be issued if there is genuine concern for fraudulant activity?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

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

1681c-2 ) that you, the XXXX  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. 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 XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX XXXX XXXX Balance : $ XX/XX/XXXX INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
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 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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation