vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I recently discovered fraudulent accounts and inquiries on my credit report that I did not authorize or open. I am requesting the immediate removal of these items from my credit file. 

Please see the attached identity theft report, FTC Identity Theft Affidavit, a copy of my government-issued ID, and a recent utility bill to verify my identity and address.

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 2025-06-02 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: VA

Complaint narrative:
I am sending to formally dispute and demand the immediate removal of fraudulent accounts and items on my credit report resulting from identity theft. These items are not mine and have caused significant harm to my credit profile. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balanced {$370.00} XXXX  XXXX XXXX balanced {$0.00} balanced {$0.00} XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

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 2025-06-02 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 non-monetary relief
Consumer complaint received 2025-06-02 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: NC

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 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 non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Formal FCRA Dispute Escalation Improper Reinvestigation, Method of Verification Demand, and Continued Reporting of Inaccurate/Fraudulent Items ________________________________________ Summary of the Issue : I am filing this complaint to escalate an ongoing Fair Credit Reporting Act ( FCRA ) dispute involving all three major credit reporting agenciesEquifax, TransUnion, and Experian. Despite submitting multiple disputes and supporting documents, these agencies have : 1. Failed to conduct a reasonable reinvestigation of disputed information.

2. Failed to provide a legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ).

3. Continued to report fraudulent and inaccurate personal and account information, despite valid proof of identity theft. 
________________________________________ Details of the Dispute : I submitted formal disputes to Equifax, TransUnion, and Experian on the following dates : o XX/XX/year> o XX/XX/year> o XX/XX/year> o XX/XX/year> I received template responses on XX/XX/year>, XX/XX/year>, and XX/XX/year> that failed to provide specific MOV details. 
I provided the agencies with : o FTC Identity Theft Report o Police report ( case number withheld for privacy ) o Proof of identity and address Despite this, the agencies did not block fraudulent information as required under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The bankruptcy and multiple unauthorized accounts remain on my report. 
My personal information, including name variations, outdated addresses, and phone numbers, has not been properly updated or removed. 
________________________________________ FCRA Violations : 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation. 
611 ( a ) ( 7 ) Failure to provide Method of Verification.

607 ( b ) Failure to ensure maximum possible accuracy.

605B Failure to block fraudulent information upon valid request.

1681s-2 Furnishers failed to report accurate information.

1681b ( g ) Failure to safeguard consumer data. 
________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Request for Removal of Inaccurate Information I am writing to formally dispute the accuracy of information related to my credit report, specifically concerning the account referenced by XXXX XXXX XXXX XXXX XXXX. The account in question is associated with the name XXXX XXXX, under XXXX Reference # XXXX. 

According to a communication I received from XXXX XXXX XXXX in response to my inquiry with the Consumer Financial Protection Bureau, they stated that they have requested the deletion of their trade line from the credit bureaus. Based on this information, I request that you remove this entry from my credit report. 

Please investigate this matter and provide me with confirmation of the results of your review. If you need any further information to facilitate your investigation, please do not hesitate to contact me.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX did not attempt to reach out to discuss if the account was delinquent. I have request proof that I was made aware this account was delinquent prior to them putting negative late payments on my credit. I am requesting the late payment be removed as no payment is late and account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-06-02 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-06-02 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I have contacted this credit bureau multiple times and I have attached proof of my identity theft report and they have done nothing but ignore me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had made a purchase at Walmart for pajama pants a couple of months ago and I tried to return them and had the receipt but unfortunately the tags were not available for the item so the cashier told me not to worry that it was on my receipt for that purchase which it was. When I went to Walmart, it was disgraceful what they were doing about my purchase and wanted to give me a gift card but since I had a receipt I did not want to take the gift card. I even had to call the police because things were getting out of hand. Now, it's just about 2 months or so and I'm still not getting a credit back from Capital One for {$12.00} which is absolutely outrageous. I explained my situation to the representative that same day and she said there would be no problem and I would be getting the credit. I even escalated the issue to Walmart. Now, Capital One is telling me I have to wait till the end of XXXX to get a response from the merchant which is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I formally requested that XXXX Bank XXXX verify the accuracy of the reporting and correct any errors. Under FCRA Section 611, I am entitled to a reinvestigation of disputed information ; however, I have not received adequate documentation or confirmation that the account data has been verified or corrected. This has negatively affected my credit standing and caused me undue stress and financial harm. Additionally, I have concerns that the banks communication and billing practices XXXX not comply with the Truth in Lending Act ( XXXX ), specifically regarding clear disclosure of fees, due dates, and finance charges. 
XXXX BANK XXXX XXXX * * * * * * * * * * Balance Owed : {$8200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I emailed the company to revoke automatic electronic payment authorization. They responded stating that the revocation does not apply to their XXXX XXXX. I know this to be false because CFPB has an article stating, You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them ( https : XXXX ). Since they continued to charge my account automatically, I took another {$400.00} cash advance on XX/XX/year> to avoid falling behind on bills. I continued to email back and forth with them, insisting upon revoking authorization to automatically charge my account but they kept providing the same response that the revocation did not apply to XXXX. They stopped replying to my emails on XX/XX/year>, after which I made a complaint on XXXX XXXX XXXX. While my complaint was open, they did not charge me and kept providing the same unhelpful responses. However, as soon as the complaint closed due to my failure to respond in time, they charged my card without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. '' '' Clean. Legal. Powerful.

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