vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: T.S. Holdings
State: WA

Complaint narrative:
I Mailed a debt validation letter to IQ Data XXXX  on XX/XX/XXXX. i have yet to receive a response in writing of this validation letter. 

On XX/XX/XXXX i called IQ data stated that this call is being recorded and asked if they have received my validation letter and they responded they have received it after he still asked how i was going to pay this debt which was a violation. 
They continued to say to me that i sent them a cease and desist letter so they did not have to send anything nor call in reference to this letter. I explained several times that the letter clearly says this is a debt validation letter, not a cease letter he is speaking about and clearly states and says the debt validation i need to have varified and he continued to argue with me about what he is making the letter out to be to him, which is another violation. i asked to speak to a supervisor in which he stated they will not talk to you or its a whole other department. still with harrasing attitude he finally transfers me over to someone and she started stating the same as the above guy was saying to me. i then stated i will simply just get lawyers involved and she asked me to give her my lawyers info, i stated to her they will just hear from them... she started taunting and harrasing me saying why cant you give it to me now is it because you do not have one? i said i am not sure if the guy i was talking to before you told you this was being recorded and started to state her violation and she hung up the phone on me. 

On XX/XX/XXXX i sent them a certified letter demanding they immediately remove claim from my report stating all illegal violations as well as original dispute letter of validation, requesting they take this off of my report due to them not responding within the 30 days I am still looking to get a place to live and this has hindered me for now. its been huge burden on me and my family. its been over 5 months ive been having issues with this agent when i am simply trying to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
Experian is reporting multiple inaccurate accounts on my credit file that do not belong to me. I have never opened or authorized these accounts. I have already submitted disputes directly to Experian and included an FTC Identity Theft Report, along with proof of identification and address. Despite my dispute and the evidence provided, these fraudulent and inaccurate accounts remain on my Experian credit report, causing significant harm to my credit profile and financial reputation.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE DISPUTED THIS FRAUD INQUIRES ON MY EQUIFAX CREDIT FILE AND THEY CAME BACK AND STATED YOU CAN'T DISPUTED FRAUD INQUIRES ONLINE YOU MUST CALL THE CREDITOR, I DID AND THEY STATED YOU MUST DISPUTE THEM WITH EQUIFAX DIRECTLY BUT EQUIFAX STATES YOU CAN'T. I REACH OUT TO THE POLICE AND THEY FILLED A POLICE REPORT SHOWING THE FRAUD INQUIRES AND ACCOUNTS. I TALKED TO THE OFFICE OF THE CONSUMER AFFAIRS IN THE U.S. AND TOLD THEM IT WANT LET ME LOCK MY FILE AND I UPLOADED A SCREENSHOT SHOWING THE ERROR CODE FROM EQUIFAX SAYING YOU CAN'T LOCK IT. THEY SENT IT TO TECH AND THE BACK OFFICE TO FIX THE PROBLEM AS OF XX/XX/year> BUT NOT FIXED YET. I HAVE ATTACHED THE POLICE REPORT SHOWING THE FRAUD INQUIRES, FTC IDENTITY THEFT REPORT, DRIVERS LICENSE, SCREENSHOT OF THE ERROR ON THE LOCK AND UNLOCK FOR LOCKING MY CREDIT FILE DOWN, PROOF OF ADDRESS, FRAUD INQUIRES TO HAVE REMOVED AND BLOCK DUE TO FRAUD USE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS FRAUD INQUIRES PLEASE AS THEY ARE FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : TransUnion Credit Report Account : XXXX  XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  Upon further review of my credit report, I am writing to dispute the way a XXXX  XXXX account is showing on my TransUnion credit report. My credit report says the account was Paid, Closed, was Paid as agreed, but it also shows late payments ( XX/XX/XXXX days ) and says it was Closed by XXXX XXXX. This doesnt make sense. If the account was really paid as agreed, then it should not also be marked late or show that the bank closed it in a negative way. This is confusing, inaccurate, and misleading. I also do not believe the late payments listed ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) can be properly verified with real records. Because of these issues and the fact that I have previously given TransUnion the opportuniy to correct this and they have failed to do so, this information can not be reported and must be deleted immediately according to the FCRA. I am asking TransUnion to remove this account completely from my credit file, 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 non-monetary relief
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I demand proof XXXX  contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the following account or delete this fraudulent account, FCRA 611 15 U.S.C 16811 The following accounts are not mine : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Including these inquirires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-09-13 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: OH

Complaint narrative:
I am submitting this follow-up complaint regarding several accounts appearing on my credit report that do not belong to me. While these accounts are listed as positive, they are not associated with my financial history and may have been mistakenly linked to my report due to a similar name, address, or other identifying information. 
The accounts in question include : DEPT OF EDUCATION/XXXX XXXX Balance : {$2400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} I have no record of opening or authorizing these accounts. They do not match my financial history, and I believe my credit file has been improperly merged with another consumers information. 
Applicable Federal Laws : FCRA 607 ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.
FCRA 611 : I have the right to dispute any information I believe is inaccurate or does not belong to me.

FCRA 609 ( a ) ( 1 ) : I have the right to know the sources of information being reported.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The individual in question contacts me insistently at all hours through phone calls and text messages, even after I have blocked their numbers, which constitutes a form of harassment. The apparent reason for these actions is a claim regarding a debt, the exact amount of which I do not know, although an approximate figure of {$300.00} has been mentioned. This situation causes me discomfort and affects my peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One credit card account was recently closed without notice after several payment attempts failed to process. The timeline is as follows : XXXX XX/XX/year> I attempted to make a payment from my bank account, which did not clear. I immediately tried again multiple times over the following days because this has never happened to me and I have ALWAYS made my payments to them on time. 
Despite having funds available and making payments this way successfully in the past, the payments continued to be returned without my knowledge of the issue. 
XX/XX/year>XXXX  I discovered that Capital One had closed my account entirely without any prior phone call, email, or notification. The company simply shut down the account. 
When I called customer service, I was told the closure was permanent and that there was no way to reinstate the account, even though I had been a paying customer and had previously managed my payments successfully. Instead, I was forced to open a new account with a much lower credit limit, which will negatively impact my credit utilization ratio and therefore harm my credit score. I believe this account was closed unfairly without adequate notice or an opportunity to resolve the payment issue. I am requesting that Capital One review this closure, consider reinstating my account, or otherwise mitigate the damage to my credit report caused by this action.

I do not think this is right at all and constitutes an unfair and harmful practice. I would really like some assistance with this and would be happy to provide any further info or proof of this including proof of my on time payments, attempts to pay the XXXX bill as soon as possible ( I attempted to pay a week before the actual due date ), the sufficient amount of funds in my account, etc. Thank you for taking time to review this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-09-13 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
They are reading debt from XXXX XXXX XXXX the company went out of business and yet they are saying its a new debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I started getting lots of ads from hotels, traveling, renting out cars from XXXX, also on my files it says I own an electrical vehicle but when I click details it doesnt show me. This person is actively hacking my phone Im not sure why even though I got a new phone. Says I have an XXXX credit card when Ive never applied for credit also that supposedly I appplied for capital one when I never did. Im not sure what else theyve signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: AZ

Complaint narrative:
I am disputing fraudulent and inaccurate information on my credit reports. I am a victim of identity theft and human trafficking, and several accounts were opened in my name without my consent. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have already notified the credit reporting agencies and requested removal of these accounts, as well as deletion of old addresses that do not belong to me. I also submitted supporting documents, including an affidavit of truth and my FTC 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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
XXXX'Ive had problems making payments to my XXXX XXXX XXXX XXXX XXXX XXXX XXXXI try to make payments on line and the app will not allow me as it says I am not recognized.\nThen I call and within last 2 months I will give all of my information and then when it asks how much I want to pay and I put the amount in and it says it cannot accept information and tries to transfer to a representative. Sometimes you can reach someone and sometimes they hang up.\nTonight they want to charge me over the limit amount plus a $XXXX  fee for making the payment.\nI try all day from work and I cannot reach them.\nI want my over limit and $XXXX  fee and they need to fix their system and inform their employees on how to use the phone.\nThank you very much,\nSo glad you existXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Greyhound Capital Group LLC
State: GA

Complaint narrative:
I am filing this complaint regarding an unresolved debit card dispute with XXXX XXXX XXXX XXXX. 
On XX/XX/, I purchased transportation services from Greyhound ( the merchant ). The service was not provided as agreed. The bus broke down, I was forced to disembark with my children, and I had to find my own way to the destination. Despite paying for a complete trip, I did not receive the full service I purchased. 
I filed a dispute with XXXX XXXX XXXX XXXX. They initially reviewed the case, but the merchants bank declined the claim. I appealed the decision twice with XXXX XXXX, providing details of the failure in service, but they have informed me that the merchants bank issued a final denial and that they are unable to take further action. 
I also contacted Greyhound directly, but they refuse to provide a refund, citing their terms and conditions and claiming they are not liable, even though it was their bus that broke down and failed to complete the trip. This leaves me unfairly paying for services that were never delivered.

As a result, my XXXX XXXX account remains in the negative due to this unresolved charge, even though the service I paid for was not rendered. XXXX XXXX has closed the case and advised me to contact the merchant directly. I believe this is unfair and places the financial burden on me for the merchants failure. 
Resolution Requested : I am requesting that XXXX XXXX XXXX XXXX reverse the disputed charge or provide reimbursement for the undelivered service. I am also requesting relief from the resulting negative balance on my account that was caused by this unresolved dispute. 
I have attached/documented the communications with XXXX XXXX , including their denial letters, and Greyhounds  refusal to refund. 
Thank you for your attention to this matter.

Company response to consumer: Untimely response