vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached 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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: AL

Complaint narrative:
I am disputing a collection account reported by Summit A * R for an alleged XXXX range membership in XXXX, Texas. This debt is inaccurate, unverifiable, and likely misattributed. I relocated from Texas in XXXX, and this account did not appear until XXXX on XXXX  and XXXX, and only in XX/XX/XXXX on Experian XXXX years after I left the state. 

Summit A * R has failed to contact me or provide any legally sufficient documentation, including a signed agreement or itemized billing statement, as required by the Fair Debt Collection Practices Act ( FDCPA ). A claim of " verification '' is not enough under the law ; I have not received proper validation of the alleged debt. 

Severe Credit Damage XXXX XXXX Since the collection was added to my Experian credit report in XX/XX/XXXX, my credit score has dropped by XXXX points. 

This is especially harmful given that I have maintained a credit score above XXXX for over XXXX  years, with no history of missed payments or delinquencies. I take my credit profile very seriously and have worked diligently to protect it. 

XXXX XXXX XXXX Widespread Pattern of Harm Summit A * R has a documented pattern of similar consumer complaints filed with the CFPB and XXXX  : XXXX. CFPB Complaint ID # XXXX ( XX/XX/XXXX ) : Harassing voicemails and no debt validation. 

XXXX. XXXX  Complaint ( XX/XX/XXXX ) : A XXXX point XXXX XXXX drop reported after Summit A * R filed an unverified collection. 

Other complaints : Allegations of FDCPA violations, unauthorized credit pulls, and third-party contact. This reflects a broader issue of noncompliance with federal debt collection and credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I purchased XXXX certification training from XXXX because they claimed to be XXXX XXXX XXXX ( XXXX  ) accredited. After purchasing the training I received numerous emails and I grew suspicious. I confirmed with the XXXX that this company is not accredited, and their claim was false. 

I disputed the {$120.00} charge with my bank, providing documentation from the XXXX  proving the company is not accredited. My bank denied my dispute, stating only attempt to recover funds unsuccessful. I understand merchants sometimes challenge disputes, but this was a clear case of misrepresentation. 

I already re-filed the dispute with my bank. I would like an explanation as to why a misrepresentation claim is being denied despite documented proof. I am also reporting the XXXX company for falsely claiming accreditation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts as they have affected my ability to obtain credit.

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 2025-08-04 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: WV

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
The account balance is incorrect with the promotion that was discussed, no full disclosure, no consideration. Date open incorrect, also the status open/closed is incorrect. looking at the report there are so much inaccuracy

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 2025-08-04 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have requested the removal of said accounts due to the fact they have been sold to third party agencies without my written or verbal permission. I have reached out to these companies only to be ignored. They have hindered me from obtaining basic credit due to their inaccurate reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I received a notification from XXXX that Capital One abruptly ran my credit without my permission. I do not know owe Capital One anything nor have I applied or use their services. 

In accordance with the FCRA these creditors have violated my right under 15 U.S.C 1681 Section 602 states I have the rights to privacy. 15 U.S.C 604A Section 2 it also states, A consumer reporting agency can not furnish an account without my written instructions. According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. Please update these items on my credit report. This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following inquiry on XX/XX/XXXX. Please investigate and verify that all data for this account is reporting accurately including every notation, date, and balance weather reported or not. 
Your Company is in clear violation of the law. Under 15U.S.C 1681 permissible purpose of consumer reports, THE LAW CLEARLY STATES, ( a ) IN GENERAL Subject to subsection any consumer reporting 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. 

Did I give you written instructions to furnish this on my credit Report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in Paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However, to make sure this Inquiry Investigation is treated fairly, accurate, and honestly. I will be forwarding a copy of this letter to the FTC, CFPB, & Attorney General ( Texas ) to make sure all rules, laws & regulations are being handled accordingly. 

Failure to respond satisfactorily with the updated of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action against your company, for which I will be seeking civil and punitive damages {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692 ( g ) violation 4. Fair Debt Collections Practices Act 15 U.S.C 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2025, Balance : {$15000.00}

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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX  XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting Capital One Charged-Off Account To Whom It May Concern : This letter is a formal dispute regarding an account listed under Capital One that is being reported inaccurately on my Experian credit file. 

I previously settled this account with Capital One under the condition that it would not be reported to the credit bureaus if I paid a specific amount. I complied fully with the agreement, and yet the account is being reported as charged off, which is not only misleading but a violation of the Fair Credit Reporting Act ( FCRA ). 

Despite prior disputes, this inaccurate account keeps being marked as " verified '' without any evidence that a proper investigation took place. As you are well aware, FCRA Section 611 requires Experian to conduct a reasonable investigation. Simply contacting the data furnisher is not sufficient. You are legally obligated to verify with actual documentation, especially when a consumer provides a direct claim regarding the terms of a settlement.

I am demanding that you : Delete this account entirely from my credit report, Provide a detailed explanation of the method of verification, Send me a copy of any documents provided by Capital One to substantiate your continued reporting. 
If this issue is not resolved and removed from my report within XXXX  days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Massachusetts Attorney General. I am also keeping full records for potential legal action for Experians willful and negligent noncompliance with federal law. 
Enclosed are copies of my identification and any documentation I have to support this claim. I expect a full resolution within the XXXX timeframe as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX  XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Everything on FTC and PDF is fraud Remove immediately! 15 USC 1681c-2 I did not authorize. Block Remove immediately!

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 2025-08-04 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: MA

Complaint narrative:
I am disputing a reported 90-day late payment from XXXX that is damaging my credit score. The payment in question was due on XXXX XXXX XXXX, and I brought the account current in early XXXX. Despite this, they reported me as 90 days late and even recently flagged the account as Not more than four payments past due ( 4 ), which is confusing and misleading.

Additionally, I only received ONE email warning me that I was past due. There was no consistent or adequate communication beforehand to alert me that my payment status was escalating to 90 days late. ( Note : I never was told UNTIL I was too late as seen in the attachment photos. As well as this, if I was told they never received a payment from me, it was followed by a thank you for your payment email-very confusing. ) This lack of notice is unacceptable and deeply unfair given that Ive had 7 years of perfect payment history before this instance. 

Ive also submitted goodwill requests and formal disputes through Experian and XXXX directly, all of which have been denied with no clear explanation or investigation. My account was not intentionally neglected I paid as soon as I realized and have continued to maintain responsible financial behavior. 

This error has dropped my score over XXXX points, threatening major financial goals, and I believe it deserves deeper review and a fair correction.

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 2025-08-04 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXXXXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
The following account balances on my credit report be updated to reflect the accurate amounts as listed below. 

XXXX should reflect a balance of {$10000.00} XXXX XXXX XXXX XXXX should reflect a balance of {$2800.00} XXXX should reflect a balance of {$2900.00} XXXX XXXX should reflect a balance of {$0.00} XXXX XXXX should reflect a balance of {$48.00}

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