vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information that continues to appear on my credit report despite my repeated attempts to have it corrected with the credit bureaus. 

There are several accounts currently listed on my credit report that I have never opened or authorized. I have been a victim of identity theft in the past, and I strongly believe these accounts are the result of fraud. Unfortunately, the credit bureaus have failed to properly investigate and remove these fraudulent accounts, even after I submitted disputes and supporting documentation. 

The presence of these false accounts has caused significant harm to my creditworthiness and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report, yet these errors remain uncorrected. 

I am requesting that the CFPB assist in ensuring the credit bureaus ( XXXX XXXX XXXX XXXX ) conduct a thorough investigation and remove all fraudulent accounts that do not belong to me. I also request confirmation in writing once these corrections have been made. 

Please find attached copies of my disputes, identification documents, and any relevant correspondence I have already submitted to the credit bureaus. 

Thank you for your time and assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the following unauthorized credit inquiries that appear on my Experian credit report. These inquiries were not initiated, authorized, or approved by me and are the direct result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report when there is a permissible purpose. Since I did not authorize these inquiries, they are unlawful and must be deleted. 

Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute and demand reinvestigation of these inaccuracies. Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), all information that is the result of identity theft must be blocked from my file once I provide supporting documentation.

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 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the following unauthorized credit inquiries that appear on my Experian credit report. These inquiries were not initiated, authorized, or approved by me and are the direct result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report when there is a permissible purpose. Since I did not authorize these inquiries, they are unlawful and must be deleted. 

Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute and demand reinvestigation of these inaccuracies. Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), all information that is the result of identity theft must be blocked from my file once I provide supporting documentation.

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 2025-09-03 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CO

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 XXXXXXXX ] 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 2025-09-03 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: MI

Complaint narrative:
this is fraud, i have never had an account or applied for anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I previously submitted a police report and dispute, but Capital One denied my claim. I strongly disagree with this decision, as I did not authorize these transactions nor did I benefit from them. My account was clearly compromised. 

Capital One XXXX XXXX agent ID XXXX XXXXXXXX and employees XXXX  & XXXX stated that my claim was denied due to login history. This does not constitute a reasonable investigation under Regulation E ( 12 CFR 1005.11 ). Fraudsters frequently gain access to accounts using stolen credentials, which naturally results in familiar login activity. The presence of account logins does not prove that I authorized the transactions. 

Additionally, Capital One denied my claim without issuing provisional credit. This is a direct violation of Regulation E, which requires that if the investigation can not be completed within XXXX business days, the bank must provide provisional credit for the disputed amount ( unless XXXX of the limited exceptions applies, which does not in this case ). 

Further, after I reported the fraud, Capital One failed to secure or close my compromised account. I continued receiving notifications of transactions I did not authorize. This failure to protect my account after notice was given demonstrates negligence and further violates Regulation Es requirement that consumer liability be limited after timely notice of unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Called Experian phone number listed more than a dozen times also try logging in on line and on my phone app without any success

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-03 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
Formal Dispute & Reinsertion Complaint Unauthorized XXXX XXXX Account XXXX To Whom It May Concern, I am writing to demand the immediate, permanent deletion of a XXXX XXXX Account XXXX that has reappeared on my credit files with both Experian and Equifax. Its re-insertion constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and is a direct assault on my consumer rights. 
This account had previously been deleted following a successful dispute its reappearance is unlawful. Both the credit bureaus and the furnisher have jurisdiction and duty to comply with the following legal provisions : Violations of FCRA 1. Accuracy ( 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ) ) You must ensure maximum possible accuracy. Reporting a previously deleted and unverifiable item is false and damaging.

2. Verification Disclosure ( 15 U.S.C. 1681i ( 7 ) ) Upon reinsertion, you are required to provide a description of the verification procedure used. You have failed to provide this disclosure.

3. Permissible Purpose ( 15 U.S.C. 1681b ) There is no lawful basis to furnish or continue reporting this account without proper grounds.

4. Reinsertion of Deleted Items ( 15 U.S.C. 1681i ( 5 ) ( B ) ) You are prohibited from reinserting deleted information unless you provide the consumer with written notice within five business days and furnish documentation proving its accuracy. You have done neither.

5. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) The furnisher ( XXXX or its agents ) is equally liable for continuing to supply inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am disputing the way XXXX XXXX XXXX is reporting my auto loan on my Equifax credit report. The account shows a {$0.00} balance but is still reported as a bad debt/collection/charge-off. This is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA 623 ), furnishers must report accurate and complete information. A {$0.00} balance account should not continue to be reported as an active derogatory item. 

Additionally, this account has multiple months of late payments listed after the account was charged off, which is factually impossible and violates FCRA accuracy requirements. I previously requested validation of this account, but the creditor has not provided original signed agreements or a complete accounting of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request validation of the debt you claimed owe as per the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g. I dispute the validity of this debt and request proof that I owe the amount stated. 

To facilitate this process, please provide the following documentation : XXXX. A copy of the original lease agreement or contract that substantiates the debt. 
XXXX. A detailed breakdown of the amount claimed, including any fees or charges added. 
XXXX. Proof of any payments or credits applied to the account. 
XXXX. Verification that the statute of limitations for collecting this debt has not expired. 

If the debt is not validated, I request that it be removed from my credit report and that I be notified in writing of the action taken. 

Please respond within XXXX  days as required by law. If I do not receive a response or the debt is not validated, I will explore further action under applicable consumer protection laws.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following CLOSED ACCOUNTs on my credit report : XXXX XXXX XXXX XXXX account ending in XXXX created on XX/XX/year> for the amount of {$6200.00}. XXXX XXXX XXXX XXXX account ending in XXXX created on XXXX the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. ~1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF AND CLOSED YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history.

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 2025-09-03 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
The late payment reflected on my account is incorrect. I have never missed or delayed a payment, and this false entry misrepresents my financial reliability. It is imperative that this inaccurate information be deleted.

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