vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include
emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-06-18 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: NY

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 ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-06-18 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 6

05B ( 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 XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-18 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:
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 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am formally disputing the accuracy of an item currently listed on my credit report, as the information being reported does not comply with the Fair Credit Reporting Act ( FCRA ) guidelines, particularly in regard to the requirement for maximum possible accuracy under Section 607 ( b ). After reviewing my credit report, I found this entry to be factually incorrect, misleading, and damagingand it should not be reported in its current form.

Let me be clear : the continued presence of this inaccurate item is a direct violation of federal law. Under the FCRA, consumer reporting agencies are legally obligated to ensure that all information furnished in a consumer 's report is complete and verified for accuracy. This account fails to meet those standards. I am not requesting a reviewI am demanding the full deletion of this item from my credit 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 2025-06-18 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: FL

Complaint narrative:
Equifax Information Services XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I have disputed XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and student loan accounts with Experian, Equifax, and TransUnion by mail ( XX/XX/XXXX & XX/XX/year> ), online, and through CFPB. It's been over 60 days, and I am still seeing inaccurate, reinserted ( XXXX  on experian ) unverifiable data on all three reports. 

I filed an FTC identity theft report covering XXXX, student loans, and credit cards, but none of the credit bureaus have taken it seriously. Federal law mandates the removal of FTC identity theft-related items within 4 business days, and I submitted the FTC report more than 30 days ago. 

TransUnion in particular is delaying the removal, while Experian and Equifax continue to verify false information with no validation. 

Additionally, XXXX XXXX has not provided proof of securitization or ownership of the alleged debt. They only sent basic billing statements, which do not meet legal standards for debt validation. 

As a documented victim of a data breach, I am now being further harmed by these accounts due to repeated violations of the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I have disputed XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and student loan accounts with Experian, Equifax, and TransUnion by mail ( XX/XX/XXXX & XX/XX/year> ), online, and through CFPB. It's been over 60 days, and I am still seeing inaccurate, reinserted ( XXXX  on experian ) unverifiable data on all three reports. 

I filed an FTC identity theft report covering XXXX, student loans, and credit cards, but none of the credit bureaus have taken it seriously. Federal law mandates the removal of FTC identity theft-related items within 4 business days, and I submitted the FTC report more than 30 days ago. 

TransUnion in particular is delaying the removal, while Experian and Equifax continue to verify false information with no validation. 

Additionally, XXXX XXXX has not provided proof of securitization or ownership of the alleged debt. They only sent basic billing statements, which do not meet legal standards for debt validation. 

As a documented victim of a data breach, I am now being further harmed by these accounts due to repeated violations of the Fair Credit Reporting Act ( 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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Subject : {$300.00} Bonus Offer Not Honored XXXX Credit Card Dear Capital One Customer Support, I am writing to formally request that you honor the {$300.00} promotional offer I received when I opened a XXXX credit card. 

I applied for the card based on a promotion that clearly stated I would receive a {$300.00} cash bonus if I spent {$500.00} within the first 3 months. I have attached evidence of the offer, as well as proof that I met the spending requirement within the given period. 

However, I was recently informed over the phone that the offer does not appear on my account and that I will not receive the bonus. I believe this is a mistake, and I respectfully request that this case be reviewed as a matter of urgency. 

Summary : Date I applied for the card : XX/XX/XXXX Minimum spend completed : {$500.00} Evidence attached : Yes Bonus not received as of : XX/XX/XXXX I respectfully ask that Capital One honor the original {$300.00} promotional offer or provide a clear explanation for why it is being denied, despite my having fulfilled all the requirements. 

If this issue is not resolved, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your attention. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Last XXXX digits of card : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am writing to dispute an unauthorized inquiry that appears on my credit report. Let me be very clear : I did not authorize this inquiry, and it was made without my consent or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). Because of that, it has no legal standing to remain on my credit file.

Under the FCRA ( 15 U.S.C. 1681b ), no party has the right to access or pull a consumer 's credit information without a legitimate, legally permissible reasonand absolutely never without the consumers explicit authorization. In this case, that did not happen. I never initiated contact, never applied for credit, and never gave permission for this entity to access my credit file. This is a clear violation of federal 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 2025-06-18 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: NV

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.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
" I am filing this complaint because XXXX  has continued to report inaccurate, outdated, and improperly verified negative items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have included a formal legal demand letter citing recent federal lawsuits and specific FCRA statutes. Please refer to the attached documents for full details of the dispute, legal references, and requested actions. ''

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
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 Re : URGENT REQUEST FOR INVESTIGATION AND DELETION - BMW Financial Services ( Acct ending in XXXX ) To Whom It May Concern : I am formally disputing the reporting of the BMW Financial Services account referenced above under my consumer file. This account is inaccurately reported and fails to meet the standard required under the Fair Credit Reporting Act ( FCRA ). Pursuant to my rights under 15 U.S. Code 1681i ( Section 611 of the FCRA ), I demand an immediate investigation and permanent deletion of this account for the following reasons : 1. Failure to Provide Verifiable Evidence ( FCRA 609 ( a ) ( 1 ), 611 ) - This account is reported as a charge-off with a balance of {$8800.00}. However, no signed agreement or contract has been furnished to validate the legal basis for this entry. The burden of proof lies with the furnisher.

2. Inconsistent Payment History and Status ( FCRA 623 ( a ) ( 1 ) ( A ) ) - The reporting shows repeated late payments with contradictory charge-off dates. This misrepresentation severely impacts my credit profile and constitutes inaccurate reporting.

3. Deceptive Representation of Account Ownership and Recovery Status ( FDCPA 807 ) - If the account has been " transferred to recovery, '' then the original creditor must not continue reporting it unless all documentation proving ownership and contractual obligation is available.

As this information is incomplete, unverifiable, and harmful, it must be removed immediately.

Therefore, I am demanding the immediate deletion of this item from my consumer file. If it can not be VERIFIED -- not merely " updated '' -- within 15 days of receipt of this notice, per FCRA 611 ( a ) ( 1 ), it must be deleted permanently from my credit report.

Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates , LLC for repeated and willful violations of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits contacting consumers at times known to be inconvenient, including after XXXX XXXX local time. 

Details of Contact : Portfolio Recovery contacted me after XXXXXXXX XXXX on the following occasions : XX/XX/scrub> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent written Notices of FDCPA Violation to Portfolio Recovery on : XX/XX/year> XX/XX/year> These notices were ignored, and they continued to contact me in violation of federal law. Their disregard of my rights and the FDCPA amounts to harassment and noncompliance. 

Requested Resolution : Given the clear and repeated violations, I am requesting : The full deletion and discharge of any and all alleged debts Portfolio Recovery Associates claims I owe.

Immediate removal of all Portfolio Recovery accounts from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ).

Written confirmation that the accounts have been deleted from my credit reports and that no further collection efforts will be made. 

I am prepared to submit call logs, emails, and copies of my violation notices upon request. I ask that the Consumer Financial Protection Bureau take appropriate action to hold Portfolio Recovery accountable for their continued noncompliance.

Company response to consumer: Closed with non-monetary relief