vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: OH

Complaint narrative:
I am filing a complaint against Credit Control , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ). I previously sent them a written cease-and-desist letter regarding all collection activity on alleged accounts they hold in my name. Despite this, I received a new collection demand from Credit Control , LLC dated XX/XX/XXXXXX/XX/XXXX, attempting to collect a debt from XXXX that they claim is owed to XXXX XXXX XXXX. 

The letter itself acknowledges that the statute of limitations for this debt has expired and that they can not sue me or report the debt to credit bureaus. Despite this, the letter encourages me to make payments and asks me to prove that the debt is not mine, even though I informed them previously that the account was the result of identity theft and was written off many years ago. 

This contact violates 15 U.S.C. XXXX ( c ), which prohibits debt collectors from further contacting a consumer after receipt of a cease-and-desist request, except to confirm they will cease communication or to notify of specific legal action. Since this debt is time-barred and they have no legal recourse, this additional communication constitutes harassment and an unlawful attempt to pressure payment on a debt that is not valid. 

I am requesting that the CFPB investigate Credit Control , LLC for continued contact after a cease-and-desist, for attempting to collect on an expired, time-barred, identity-theft-related debt, and for misleading communications that suggest I should pay a debt they admit is unenforceable. 

I have attached copies of the XX/XX/XXXX, letter, my previous cease-and-desist letter, and proof of certified mailing.

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 2025-11-05 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:
I am writing to dispute the following items listed on my TransUnion credit report, as they appear to be inaccurate or incomplete. I am exercising my right under the Fair Credit Reporting Act ( FCRA ) to request verification or removal of these accounts : Charged Off Accounts : XXXXXX/XX/XXXX Account Number : XXXX Date of Charge-Off : XXXX Amount : {$4900.00} XX/XX/XXXXXXXX Account Number : XXXX Date of Charge-Off : XXXX Amount : {$10000.00} XXXX BANK XXXX Account Number : XXXX Date of Charge-Off : XXXX Amount : {$2100.00} XX/XX/XXXXAccount Number : XXXX Date of Charge-Off : XXXX Amount : {$7400.00} In accordance with FCRA XXXX ( b ), I request that you verify these accounts and provide supporting documentation. If verification can not be provided, I request the removal of these entries from my credit report. 

Late Payments : XXXX BANK XXXX Account Number : XXXXXX/XX/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 explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 am submitting this dispute regarding the accounts listed below. I believe these accounts are being reported inaccurately, and I respectfully request that the information be corrected or removed if found to be unverifiable or inaccurate. Below is the detailed information for each credit bureau. 

CHARGED OFF XXXX Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Amount : {$390.00} Dispute : I request verification of this account. If it can not be verified, I request its removal. 

XXXX XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00}

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 2025-11-05 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: OK

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-05 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I called Capital One XXXX XXXX to process a routine cancellation of a previously existing trip to XXXX XXXX from XXXX. I did this to properly manage my rewards points. 

During the entire phone call, I explicitly and repeatedly stated that the cancellation related ONLY to the XXXX XXXX trip and its associated flights. I never mentioned, nor did I request, any action against my upcoming active, non-XXXX  XXXX booking. 

Despite my clear and direct instructions ( which will be confirmed by the call recording ), the agent negligently proceeded to cancel my active, authorized booking instead of the XXXX XXXX trip I specified. 

Current Status : As a result of this severe error and unauthorized cancellation by the Capital One agent, I was immediately forced to rebook the intended trip at a later time. The cost for the replacement booking is now significantly higher than the cost of the original, unauthorizedly canceled booking. 

XXXX XXXX : I require full compensation for the direct financial loss incurred. This compensation must cover the full difference in cost between the price of the original booking ( unauthorizedly canceled by the agent ) and the new, higher price I was forced to pay to secure the replacement flights. I request that the call recording from XX/XX/year>, be reviewed immediately to verify my instructions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-05 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: NC

Complaint narrative:
Dear Sir/Madam, I am a consumer actively working to improve my credit. Upon reviewing my Equifax report, I have identified several inaccurate and incomplete entries that need to be corrected. These discrepancies are impacting my credit score and my ability to obtain fair credit terms. Below is the list of accounts I am disputing : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Reported : XXXX Amount : {$520.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XXXX Amount : {$500.00} Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my second request for reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611. I previously disputed inaccurate and unverifiable information appearing on my credit report, but the credit bureau ( s ) failed to provide any verifiable documentation from the original creditor to support the accuracy of the reported data.

Despite submitting my first dispute and providing supporting documents, the results of the investigation simply stated that the accounts were verified without any evidence or proof. This response does not meet the FCRAs standard of a reasonable reinvestigation, as no validation, billing statement, or signed agreement was provided.

Following the first investigation, I took further steps to contact the creditors directly and requested verification. As of today, no documents have been produced to confirm that the reported negative information is valid or belongs to me.

Because the credit bureau ( s ) have not been able to substantiate the accuracy of this data, I am filing this second reinvestigation request and asking for immediate deletion of all unverifiable and inaccurate information from my credit file, in compliance with FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I discovered multiple fraudulent accounts, inquiries, and a bankruptcy entry on my credit report that I did not authorize, open, or file.

I submitted disputes with the credit reporting agencies months ago regarding the following : List of Fraudulent accounts XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX List of bankruptcy accounts XXXX XXXX XXXX  filing Date XXXX Court : U.S. Bankruptcy Court Reference # :XXXX I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the accounts, inquiries, and bankruptcy remain on my credit report with no proper resolution or verification.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a wire transfer of {$3800.00} USD through XXXX ( XXXX XXXX XXXX ) from my business account ( XXXX XXXX XXXX ) to my cousins XXXX XXXX XXXX  ( XXXX ) domiciliary account in XXXX. 

The transfer was routed via Citibank New York using the following intermediary account provided by XXXX  : Citibank N.A., New York ( XXXX : XXXX, XXXX : XXXX, Account No. XXXX ), for credit to XXXX XXXX ( XXXX : XXXX ). 

XXXX confirmed that the transfer was successfully paid out on XX/XX/year>, and provided a trace ID XXXX showing that funds were sent to Citibank NA for further credit to XXXX XXXX. 

However, XXXX has confirmed multiple times that they never received the funds and that Citibank New York is still holding the money in their correspondent account. 

XXXX has also confirmed in writing that Citibank has refused to cooperate or work with them to trace or release the funds, leaving the money stuck with Citibank. 

I have contacted both XXXX and Citibank multiple times. XXXX  internal investigation concluded that Citibank must respond to complete the recall, but Citibank has refused to engage or return the funds. 

I am requesting that the CFPB contact Citibank , N.A . ( New York ) to : Locate the funds related to XXXX transfer # XXXX / trace ID XXXX. 

Release or return the funds to the originating sender ( XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ). 

Explain why Citibank refuses to cooperate with XXXX to resolve this issue. 

The total amount held is {$3800.00} USD, and this has caused financial and operational harm. 

Supporting documents attached : XXXX transfer confirmation ( showing Citibank NA routing and trace ID ) XXXX  transfer instruction ( showing Citibank New York intermediary account details )

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 2025-11-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: AZ

Complaint narrative:
I tried to call the company again to discuss further what they are trying to contact me for, i spoke with XXXX initially, asked what their business was. He kept saying " personal matters ' I asked several times to ask what kind of business they conduct, he told me the company name ALLIED-INTERSTATE. I have never heard of this company. Upon further review, this is a debt collection company. I asked if they were debt XXXX and he kept trying to get personal information from me WITH OUT MINI XXXX, again. This is a continuous issue with this company and my XXXX complaint in regards to the same issue. 
I asked to speak with a supervisor and he kept insisting he can not transfer to a supervisor without gaining any identifying information from me. 
They then ended the call. I called back, they kept asking if the # i called from was the # they called me, and i advised i wont be divulging information until you identify your purpose for calling me. I was finally transferred after a XXXX call, to XXXX, the alleged supervisor. He also continuously refused to identify the purpose of his business. I asked if they were debt XXXX and they kept telling me they cant tell me, i asked why they wont mini XXXX me if when i looked them up online they state they are debt collections agency. 
This is a continuous issue.

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