vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unauthorized Credit Report Entry XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$6100.00} Date Reported : XX/XX/XXXX Dear Dispute Department, I am writing to formally dispute an item listed on my credit report. The item in question is reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) and appears to be unauthorized. 

Item Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$6100.00} Date Reported : XX/XX/XXXX I have no knowledge of this account and did not authorize XXXX any associated agencyto report any debt on my behalf. I am requesting that this entry be investigated thoroughly, and unless you are able to provide verifiable documentation that proves the debt is valid and that I consented to it being reported, I am requesting that this item be permanently removed from my credit file.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate, incomplete, or unverifiable. Please provide me with all relevant documentation that supports the legitimacy of this account, including any signed agreements or billing records. 

Please complete your investigation within 30 days of receiving this letter. If the information can not be verified, it must be removed from my credit report as required by law. 

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

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After fully reviewing my entire credit report i discovered multiple inquires on there that looked unfamiliar. I am familiar with some of the companies but i never used my information to try to open an account. I never tried to open any credit card accounts with any of the companies listed below. These are the name of the companies and date the inquiries were reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
Subject : Request for Permanent Deletion of Closed Account XXXX XXXX  | Acct # : XXXX This letter is a formal dispute regarding the XXXX  XXXX  account listed on my XXXX  credit report under account number XXXX. 
This account is paid in settlement and closed, yet it continues to reflect highly derogatory delinquencies including 90-, 120-, 150-, and 180-day late payments. This excessive negative reporting is disproportionate and fails to represent the resolved and non-active status of the account.

Furthermore, I dispute the accuracy, completeness, and verifiability of these delinquencies, and I contend that their continued reporting is both legally and ethically inappropriate under federal consumer protection law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing multiple inaccurate accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I disputed this {$18000.00} collection account on XX/XX/year>, with all three major credit bureaus ( Experian, Equifax, and TransUnion ). This collection is being reported by XXXX XXXX XXXX regarding an alleged eviction debt. I have never received a debt validation notice from this company. No lease agreement, breakdown of charges, or proof of debt ownership has ever been provided to me. 

The bureaus continue to report this unverifiable debt despite my disputes. This is a violation of my rights under the FCRA Section 611 and the FDCPA.

I am requesting that this unvalidated eviction collection be removed from all of my credit reports and that XXXX XXXX XXXX provide complete validation if they intend to continue reporting this item.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed this {$18000.00} collection account on XX/XX/year>, with all three major credit bureaus ( Experian, Equifax, and TransUnion ). This collection is being reported by XXXX XXXX XXXX regarding an alleged eviction debt. I have never received a debt validation notice from this company. No lease agreement, breakdown of charges, or proof of debt ownership has ever been provided to me. 

The bureaus continue to report this unverifiable debt despite my disputes. This is a violation of my rights under the FCRA Section 611 and the FDCPA.

I am requesting that this unvalidated eviction collection be removed from all of my credit reports and that XXXX XXXX XXXX provide complete validation if they intend to continue reporting this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint Summary : Capital One recently closed all of my credit card accounts due to a series of returned payments from Capital One checking, including one that resulted from an attempt to pay from a closed bank account. These issues were caused by a genuine misunderstanding of Capital One deposit timing that are not consistent with most other banksnot by any intent to defraud or avoid payment. Even though funds were in my account for payment, Capital One returned my payments. However, after trial and error and realizing this, I consistently paid my balances, kept my credit usage under the limit, and corrected the issues as soon as I became aware. I was not given an opportunity to explain or remedy the situation before all accounts were closed. This has significantly impacted my credit and disrupted my financial plans.

What would I like the company to do to resolve your issue?

I respectfully request that Capital One reinstate all of my closed accounts. I also request that they ensure all closed accounts are reported accurately to the credit bureaus, avoiding any inaccurate or unnecessarily damaging labels such as closed by grantor if not warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I submitted documents to Transunion and XXXX  to remove this XXXX XXXX from my credit report. It has been removed from experian but not the other 2 credit reports. It has been over 30 days. I submitted the paper work bac and around XX/XX/year>2025 and it is still on my credit report. I am trying to get a home line of credit but this reporting is bringing my score down XXXX points. 
Please I am trying to start a health care business so I need this loan ASAP. The loan officer will be calling back in 2 weeks. 
Thanks XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2024, Balance : {$670.00}

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 explanation
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I have previously disputed this item multiple times, and both XXXX  and XXXX  have already acknowledged the issue and provided resolution by either correcting or removing this inaccurate information from my credit file. It is entirely unacceptable and negligent on Equifaxs part to continue reporting this account despite clear evidence and uniform resolution from the other two major credit bureaus. 

Creditor Name : XXXX XXXX  Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX What is your justification for refusing to delete this item? It is your legal responsibility under the Fair Credit Reporting Act ( FCRA ) to conduct a proper investigation and ensure only verified, accurate, and up-to-date information remains on a consumers credit report. You have clearly failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
TransUnion is currently reporting multiple late payment entries that I am formally disputing as inaccurate, unverifiable, and unnecessarily damaging to my credit profile. These accounts include a late payment reported by XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX ; XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX ; XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), which is now closed but still reflects a late payment dated XX/XX/XXXX XXXX XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a derogatory mark dated XX/XX/XXXX ; and XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) with a late payment dated XX/XX/XXXX, even though the past due amount is reported as {$0.00}. 

These entries contain several inconsistencies that raise serious concerns about the accuracy and completeness of TransUnions reporting practices. For example, the XXXX account has been closed, and there is no valid reason why a derogatory payment status should persist if there is no balance due. Similarly, the XXXX account showing a late payment alongside a {$0.00} past due amount is contradictory and misleading. Reporting a consumer as delinquent while simultaneously indicating no outstanding obligation is both confusing and detrimental to a fair credit evaluation. 

In the case of older entries such as XXXX from XXXX, I believe this may be outdated and potentially no longer reportable under the FCRAs seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 5 ). Additionally, I have never received sufficient documentation substantiating the late payment claims on any of these accounts. TransUnion has an obligation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a thorough and reasonable reinvestigation of disputed credit data, and under 1681i ( a ) ( 5 ), it must promptly delete or correct any item that is inaccurate or can not be verified.

Furthermore, these entries may reflect broader systemic issues resulting from outdated data or consumer information exposed through data breaches. The financial services industry has seen a sharp rise in such vulnerabilities in recent years, and consumers continue to suffer due to the lack of rigorous verification and remediation processes on the part of credit reporting agencies.

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 2025-06-10 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: SD

Complaint narrative:
Subject : Request for Investigation and Immediate Removal of Fraudulent Account from My Credit Report To Whom It May Concern, I am writing to formally notify you that I have recently reviewed a copy of my credit report and identified one or more accounts that do not belong to me and appear to be fraudulent. I believe this is a case of identity theft or inaccurate reporting. These accounts are negatively impacting my creditworthiness and ability to obtain credit, housing, and other essential financial services.

This situation constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S. Code 1681i which requires credit reporting agencies to investigate disputed information in a consumers credit file.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) which holds furnishers of information responsible for providing accurate data.

15 U.S. Code 1681c-2 which allows consumers to request a block of information that resulted from identity theft.

I respectfully request that you take immediate steps to investigate and facilitate the removal of this fraudulent account from my credit report. Attached are supporting documents that further validate my claim, including a copy of my credit report highlighting the disputed account and any additional evidence available upon request.

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 2025-06-10 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: AL

Complaint narrative:
I HAVE MAILED CERTIFIED LETTERS OF TO EQUIFAX AND DONE EVERYTHING THAT I CAN POSSIBLY DO TO GET THIS FIX. I JUST GOT INTO MY ACCOUNT AND NOTHING HAS BEEN UPDATED SINCE 2022. i KEEP TRYING TO VERIFY MYSELF AND THEY ARE GIVING ME A VERY HARD TIME. I AM XXXX AND THIS IS AFFECTING MY ENTIRE LIFE. I WENT AS FAR AS TRYING TO CHANGE MY SOCIAL SECURITY NUMBER WITH THE SSA. THEY ARECLAIMING THAT THEY DID NOT GET THE CERTIFIED LETTERS, BUT THE UNITED POSTAL IS SHOWING THAT THEY DID. I AM SPEAKING WITH PEOPLE THAT DON'T SPEAK PROPER ENGLISH AND THEY AREN'T TRYING TO BE OF HELP. THEY KEEP HANGING UP AND TELLING ME THAT MY INFORMATION DONT MATCH WHEN THEY ASK THE SECURITY QUESTION. REMIND YOU THAT I AM LOOKING AT A CREDIT REPORT THAT THEY SENT ME. THIA IS MENATLLY DRAINING AND I AM TIRED. I WILL BE SEEKING A LAWYER!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-10 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief