vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account 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 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 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 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 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 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 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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been XXXX XXXX XXXX XXXX XXXX XXXX i just came home XXXX XXXX so any and all credit credit inquires IS NOT ME... all the phone numbers and address not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I, XXXXXXXX XXXX XXXXXXXX, declare that the hard inquiry made by EXPERIAN XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX XXXX XX/XX/year> was made without my knowledge, consent, or authorization. I did not apply for credit with this entity, and this action is the result of identity theft. I respectfully request this item be blocked from my credit report under 15 U.S. Code 1681c-2. 
Signed, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
Back in XX/XX/year> XXXX XXXX XXXX/Morgan Stanley froze my accounts due to questions regarding a wire transfer. I spoke to their specialized department and the restriction were cleared and released. Just recently m, XXXX XXXX XXXX took it upon themselves to restrict the accounts agin for no apparent reason, except for needing to ask more questions about past actions on my account which were supposedly cleared up. This company has no right to place random restrictions and prohibit access to my funds. I request for immediate release of restrictions on accounts so I may access them as soon as possible! Ive already called and addressed this numerous times and yet nothing has been done! Enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-23 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 following up regarding my previous dispute concerning multiple items reported inaccurately on my credit file. Despite my earlier correspondence, these items remain on my report, causing significant concern and potential harm to my creditworthiness. 
First, my report lists an address that is not mine : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. This information is inaccurate and must be deleted under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which requires that only accurate information appear on a consumers file. 
Additionally, several accounts are reported as late closed incorrectly. These include 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  The inaccurate reporting of these accounts violates FCRA 611 ( a ), FCRA 607 ( b ), and FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), which require maximum accuracy and proper updating of consumer information. I request these accounts be corrected to reflect accurate status and balances. 
There are also charged-off accounts that are being misreported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$210.00} Reporting these accounts in this manner violates FCRA 611 ( a ) and 15 U.S.C. 1681c-2 ( 605B ), and they must be corrected or removed from my file. 
Furthermore, there is a collection account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$440.00}. This account is disputed, and its continued reporting violates 15 U.S.C. 1681c-2 ( 605B ). I request that it be removed from my file. 
Finally, my credit report contains unauthorized inquiries that I did not initiate or authorize, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these inquiries violates FCRA 619, 15 U.S.C. 1681q and FCRA 604 ( a ), 15 U.S.C. 1681b ( a ), and they must be permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
I am following up regarding my previous dispute concerning multiple items reported inaccurately on my credit file. Despite my earlier correspondence, these items remain on my report, causing significant concern and potential harm to my creditworthiness. 
First, my report lists an address that is not mine : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. This information is inaccurate and must be deleted under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which requires that only accurate information appear on a consumers file. 
Additionally, several accounts are reported as late closed incorrectly. These include 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  The inaccurate reporting of these accounts violates FCRA 611 ( a ), FCRA 607 ( b ), and FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), which require maximum accuracy and proper updating of consumer information. I request these accounts be corrected to reflect accurate status and balances. 
There are also charged-off accounts that are being misreported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$210.00} Reporting these accounts in this manner violates FCRA 611 ( a ) and 15 U.S.C. 1681c-2 ( 605B ), and they must be corrected or removed from my file. 
Furthermore, there is a collection account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$440.00}. This account is disputed, and its continued reporting violates 15 U.S.C. 1681c-2 ( 605B ). I request that it be removed from my file. 
Finally, my credit report contains unauthorized inquiries that I did not initiate or authorize, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these inquiries violates FCRA 619, 15 U.S.C. 1681q and FCRA 604 ( a ), 15 U.S.C. 1681b ( a ), and they must be permanently removed 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Subject : Urgent Dispute of Inaccurate Hard Inquiries on My Credit Report FCRA Violation and Potential Liability Dear XXXX  : I am writing to formally dispute multiple hard inquiries listed on my XXXX credit report that are inaccurate, incomplete, and/or have already been removed by other credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 15 U.S.C. 1681i ) and 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ), XXXX  is legally required to : 1. Investigate any disputed information on a consumers credit report. 
2. Correct or delete any information that is inaccurate, incomplete, or unverifiable. 
3. Maintain only accurate information, as reporting false or misleading information can result in legal liability, including statutory damages. 

Hard inquiries need to be delated and proof it that those hard inquiries was mine and signed for me. Prove it and mail me all you have. 

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 Attached is evidence demonstrating that these inquiries have already been removed from my XXXX credit report, including updated credit report copies and correspondence from XXXX 

I formally request that XXXX XXXX 1. Conduct an immediate and thorough investigation into these inquiries. 
2. Delete all inaccurate or previously removed inquiries from my XXXX credit report. 
3. Provide a corrected credit report reflecting these updates. 

Failure to comply may constitute a violation of federal law under the FCRA, exposing XXXX to potential legal liability, including statutory damages, for reporting false information. I also reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies as allowed under federal law. 

Please respond in writing within the FCRA-mandated 30-day period. 

Sincerely, XXXXXXXX XXXX XXXX XXXX SSN last XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: NJ

Complaint narrative:
I was mailed a Cash App chip debit card to my address, under my name, with an expiration date. I never applied for this card. I dont even have a Cash App account. 

This is a XXXX Cash App debit card, and the bank name on the back of the card is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
a check and letter offer of settlement was sent they cashed the check which means they agreed to what was written on the check as well as in the letter sent. they have not removed the account from my credit report. this is a sign of bad faith on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
I RECENTLY RECEIVED AND REVIEWED MY CREDIT REPORT AND FOUND MULTIPLE INACCURATE ACCOUNTS THAT ARE NEGATIVELY IMPACTING MY ABILITY TO OBTAIN CREDIT. I REQUEST AN INVESTIGATION AND IMMEDIATE REMOVAL OF ANY ACCOUNT THAT CAN NOT BE ACCURATELY VERIFIED UNDER THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
I RECENTLY RECEIVED AND REVIEWED MY CREDIT REPORT AND FOUND MULTIPLE INACCURATE ACCOUNTS THAT ARE NEGATIVELY IMPACTING MY ABILITY TO OBTAIN CREDIT. I REQUEST AN INVESTIGATION AND IMMEDIATE REMOVAL OF ANY ACCOUNT THAT CAN NOT BE ACCURATELY VERIFIED UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am a victim of identity theft and inaccurate reporting. My TransUnion credit report contains multiple unauthorized hard inquiries that I never applied for or permitted, including a duplicate XXXX XXXX XXXX inquiry dated XX/XX/year>. In addition, my file shows an XXXX XXXX student loan reported as XXXX days past due with a projected derogatory status until XX/XX/year>. This reporting is inaccurate, incomplete, and unverifiable. These false entries are harming my credit, housing, and financial stability. I have filed an FTC Identity Theft Report and request immediate deletion or correction of these items with written confirmation.

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 2025-09-23 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: MO

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 4 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 completeandaccurate.

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 2025-09-23 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: GA

Complaint narrative:
I am formally disputing the accuracy of the bankruptcy currently being reported on my credit file. XXXX  has already completed its investigation and removed this bankruptcy from my credit report after determining it to be invalid and unverified. 



Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate, verifiable information. Because another national credit bureau has already determined that this bankruptcy is not valid or verifiable, continuing to report it violates my rights under the FCRA. 



I therefore demand that you : Conduct a prompt reinvestigation of the bankruptcy item on my file ; Delete this inaccurate bankruptcy record from my credit report immediately ; Provide me with written confirmation of the deletion and an updated copy of my credit report upon completion.

If this matter is not corrected promptly, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other regulatory authorities. 



Attached for your review is a copy of my XXXX report showing the deletion of the bankruptcy. 



Thank you for your immediate attention to this matter.

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