vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the Capital One account listed under account number XXXX on my credit report. 

I do not recall ever opening or authorizing this account, and I was not given an opportunity to dispute it prior to its reporting. If you believe you provided proper notification, I request that you send proof of delivery via Certified Mail, including a signed receipt bearing my signature. 

If you can not provide this documentation, I request that this account be immediately deleted from all credit reporting agencies, as its reporting may be a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

If this matter is not resolved within a reasonable time, I may be forced to consider legal action to protect my credit and rights. 

Thank you for your prompt attention to this matter. Please confirm your response in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this XXXX unverifiable inquiry from my credit report. XXXX XXXX XXXX  : XX/XX/year>. In addition, I didn't give you permission ( Transunion ) too furnish this information on my credit report which is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is a serious breach of 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 2025-07-08 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} Date Opened : XX/XX/2023. 

Under 15 U.S. Code 1681 ( a ) : ( XXXX ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. 
( XXXX ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-07-08 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: VA

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-07-08 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: VA

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently discovered that my account was marked as late open and charged offdue to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review ofthe account and its status, as the details provided seem inconsistent with my records. XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I made an attempt to purchase a travel itinerary from a third party name XXXX. This was not the XXXX time that I used XXXX for travel which makes this transaction the more disturbing. XXXX was able to charge over {$1800.00} dollars previously from my line of credit. So I had no problem using XXXX again. However XXXX prohibited me from using my line credit to purchase airfare, car rental and hotel reservations. By asking what card would I be using I made several attempts to use my line of credit through XXXX XXXX. Instead XXXX charge me without my line of credit. In short I file a fraud complaint with my bank after XXXX refuse to return my full amount charged for engaging in an outlawed Deceptive, Abusive Acts and Practices. Those charges caused fees and overdraft fees and additionally a second overdraft fees. From my institution US BANK Which started out providing provisional credit the agreement states an investigation will begin once concluded if not in favor of claim the provisional credit will reverse. In short I disagreed US BANK because the institution ask me to give them by deadline more information to support my claim. I sent photo copies of Expedia cancellation dates and times, policy of fees, where I was charged for an extra Adult for the hotel reservation where another copy said I was charge for XXXX adult '' along with US BANK dispute form of what happen. When I question US BANK there unfair practice which harmed me as a consumer financially that can't be reasonably avoided. US BANK answered XXXX returned a partial refund to you and we don't have anything to do with what they want return. I said I sent you XXXX faxed pages to US BANK clearing conveying unwarranted practices and you knowingly decided to reverse the provisional credit. I said okay '' I will file a complaint with the ( CFPB ) so that another authority can see in-fact lf US BANK and XXXX Coerce or deceive me as a consumer into making unwanted purchases. 
Mislead me as a consumer through specific statements or through a lack of clear and full disclosure. 
The government does not determine which financial products and services are best for consumers which is understood. But it does require that consumers have access to information that lets them choose the best options for their situations. This did not happen with US BANK or XXXX '' consumers as mentioned by " XXXX XXXX Protection Act '' should only have to take reasonable measuresnot impractical or expensive onesto determine whether purchasing certain financial products or services is in their best interests. I trust this complaint will be thoroughly look at for each and every consumer not just me Respectfully 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 2025-07-08 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Properly Investigate and Verify Late Payment Dispute Filed Under : Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ) and Fair Credit Reporting Act ( FCRA 1681i, 1681e ( b ), 1681n, 1681o ) I, XXXX XXXX, am submitting this complaint to report a credit reporting agencys failure to correct and verify disputed payment history information on my credit report. This is a formal follow-up to a dispute I submitted more than 35 days ago, and no valid evidence has been provided to confirm the accuracy of the reporting.

This dispute is being submitted by me directly not by any third party and is filed under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ) and Fair Credit Reporting Act ( FCRA ).

I raised concerns about possible billing errors, which include : Failure to reflect a properly issued payment or credit ; Errors in computation or accounting by the creditor ; Lack of required advance notice ( minimum 21 days ) before assessing or reporting late payments.

Despite my timely dispute, the accounts listed below continue to report late payments, and I have not received any documentary evidence supporting that the late payments occurred or were reported lawfully. 

Disputed Accounts : XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Payment Open ) DEPT OF EDUCATION/XXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment Open ) XXXX XXXX  XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Payment Open ) DEPT OF EDUCATIONXXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment Open ) DEPT OF EDUCATIONXXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Open )

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 2025-07-08 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-08 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-08 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-08 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/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 2025-07-08 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/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 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX XXXX $ Have not provided all requested information for validation of debt. 

This is my 2nd time submitting a request of validation of debt. If all information was not provided for validation of debt this debt is supposed to be removed. This 3rd party company is violating my FDCPA.

To Whom It May Concern, I am writing in response to a collection notice I received from your company. I do not acknowledge this debt and am requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : The original creditors name and account number A complete payment history, including the charge-off balance Proof that you are authorized to collect on this debt A copy of the signed agreement that initiated this debt.

Until this information is provided, I am requesting that you cease all collection activity and refrain from reporting this item to any credit bureaus.

If it has already been reported, please mark it as in dispute. This is not an acknowledgment of the debt, but a request for validation.

Company response to consumer: Closed with explanation