vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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 submitting this follow-up complaint regarding several unauthorized inquiries that have appeared on my credit reports without my consent or any valid permissible purpose. I have contacted the banks involved, and they confirmed that these inquiries were not authorized by me. Despite this, the inquiries remain on my credit files and are negatively affecting my credit. 
The inquiries in question include 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. I never applied for credit or provided permission for these companies to access my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) : 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) A consumer report may only be provided with my consent or for a legitimate credit transaction I initiated.
607 ( a ) ( 15 U.S.C. 1681e ( a ) ) Credit reporting agencies must maintain reasonable procedures to ensure reports are only provided to entities with a permissible purpose.

611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I have the right to dispute inaccurate items, and the bureaus must reinvestigate and delete anything that can not be verified as valid.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Debt Validation Request Account # XXXX Dear Capital One, I am writing in response to your recent communication regarding the account referenced above. You have been reporting inaccurate information on my credit report. I have disputed and tried to have the debit validated and nothing has changed. This letter is a request for validation of the alleged debt, made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including an itemized statement showing how the balance was calculated. 
XXXX. A copy of the original signed agreement or contract creating this obligation. 
XXXX. Proof that your company is legally authorized to collect this debt. 
XXXX. The date of the last payment made on the account. 

Until you provide proper validation, you must cease all collection activity, including phone calls, letters, credit reporting, and legal action, as required by law. 
Be advised that any failure to provide proper validation, or any continued attempts to collect without doing so, may be considered a violation of the FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 

Please note that I am keeping detailed records of all correspondence regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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:
I sent a request to Experian disputing inquiries on my credit report that I did not authorize. They added multiple inquiries to my report from Portfolio Recovery which is a collection agency on my report, and was never an inquiry on my report. They closed the fraudulent inquiries they placed on my report and never addressed the inquiries I am disputing on my 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 explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: AZ

Complaint narrative:
To Whom It May Concern, It has come to my attention that an entity named XXXX XXXX XXXX was fraudulently registered with the XXXX  XXXX XXXX listing me as the registered agent, without my consent or knowledge. Following this, a bank account was opened at U.S. Bank under that entity, which currently shows a negative balance. 

I want to make it clear that I did not authorize, participate in, or have any knowledge of these actions. These activities constitute identity fraud, and I am requesting immediate investigation and removal of my name in connection with this unauthorized company and bank account. 

Please confirm receipt of this notice and advise me on the next steps to resolve this matter. 

Sincerely, 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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since XXXX, Capital One has restricted my account without any justification or warning. I have repeatedly contacted Capital One during this period to attempt to lift the restrictions, but they have stubbornly refused my requests and unreasonably demanded to close my account. I believe this constitutes racial discrimination. I request the CFPB intervene to penalize Capital One 's disrespectful conduct and restore my checking account, as this has severely impacted my daily life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Next Level Finance Partners  LLC
State: CT

Complaint narrative:
I was in a debt consolidation with XXXX XXXX inXX/XX/XXXX The representative stated after 6 months or more I would qualify for a loan from XXXX XXXX XXXX to pay out my credit card debt and then after six months I would qualify to get the loan refinanced. I got the loan from XXXX XXXX XXXX and I waited 8 months and called them requesting to have my loan refinanced, the representative stated they do not refinance their loans. I tried to call XXXX XXXX and also sent them a letter on XX/XX/XXXX, XXXX informing them that XXXX XXXX XXXX does not refinance their loans. I had stated in the letter to XXXX XXXX, they need to get the correct information from XXXX XXXX XXXX so no one else goes through what i went through. 
I had to find another consolidation company to get my loan lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
I DID NOT AUTHORIZE THE COMPANIES LISTED IN MY ATTACHMENTS TO ACCESS MY CREDIT. MULTIPLE UNAUTHORIZED INQUIRIES APPEAR ON MY EXPERIAN CREDIT REPORT. I NEVER APPLIED FOR THESE LOANS OR ACCOUNTS. I AM REQUESTING THAT THESE INQUIRIES BE REMOVED. ATTACHED IS MY FTC IDENTITY THEFT REPORT AND A FULL LIST OF THE EXPERIAN INQUIRIES FOR REFERENCE.

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 2025-09-13 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: KY

Complaint narrative:
I am the victim of identity theft. Several unauthorized and fraudulent accounts have been opened in my name without my knowledge, consent, or authorization. These accounts are negatively impacting my credit profile and were not opened or used by me. I discovered these fraudulent accounts while reviewing my credit report. Despite submitting disputes, some remain unresolved or continue to be reported. 

The fraudulent accounts include : 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 2025-09-13 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: KY

Complaint narrative:
I am the victim of identity theft. Several unauthorized and fraudulent accounts have been opened in my name without my knowledge, consent, or authorization. These accounts are negatively impacting my credit profile and were not opened or used by me. I discovered these fraudulent accounts while reviewing my credit report. Despite submitting disputes, some remain unresolved or continue to be reported. 

The fraudulent accounts include : XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
This is my lawful consumer complaint and dispute under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681b, 1681c, and 1681c-2 ).

I am disputing the reporting of Dept. of Education / XXXX student loan derogatories as well as multiple unauthorized inquiries appearing on my credit files. 
1. Student Loan Accounts ( Late3+ ) DEPT OF ED/XXXX Acct XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). 
M ( Missing ) : Required Metro 2 fields ( terms length, credit limit, last verified date ) absent.

U ( Unproven ) : No certified documentary verification provided.

2. Inquiries ( Unauthorized / Impermissible Purpose ) The following inquiries were not authorized by me and lack lawful permissible purpose under 15 U.S.C. 1681b XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry Date : XX/XX/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 Inquiry Date : XX/XX/XXXX Coded Deficiencies? ( Questionable ) : Inquiries appear with no corresponding credit application initiated by me. 
I ( Inconsistent ) : Same creditors reporting on different bureaus with mismatched data. 
M ( Missing ) : No disclosure of permissible purpose or proper documentation.

U ( Unproven ) : No physical verification provided as required under 1681i. 15 U.S.C. 1681e ( b ) : Requ
ires maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Inaccurate, unverifiable, or inconsistent items must be deleted.

15 U.S.C. 1681b : Limits access to credit files ; unauthorized inquiries are violations.

15 U.S.C. 1681c-2 ( 605B ) : Identity theft victims may block fraudulent information permanently.

CDIA Metro 2 Standards : Any deviation jeopardizes data integrity.

I DEMAND that the CFPB require the bureaus and furnishers to : 1. Delete the Dept. of EDXXXX student loan derogatory accounts unless they can be verified with certified, consistent, Metro 2 compliant documentation across all bureaus.

2. Permanently block and remove the unauthorized inquiries listed above, as they were obtained without my consent or permissible purpose.

3. Provide written confirmation that these items have been deleted and will not be reinserted. 


I DEMAND IT REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Inquiries : XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-13 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Inquiries : XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: LEXISNEXIS
State: IL

Complaint narrative:
See FTC Report Number XXXX My personal information was leaked in the LexisNexis data leak

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am filing this complaint because Innovis is reporting inaccurate and unverifiable information on my consumer file. I have already submitted disputes directly to Innovis, yet they continue to report accounts without providing proper verification or documentation to support their accuracy. 



Specifically, the accounts reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are being listed as charge-offs, but Innovis has failed to produce any original contracts, full payment history, or evidence of the creditors legal right to report or collect these debts. This failure violates the Fair Credit Reporting Act, including my rights under Section 611 for reinvestigation and Section 607 ( b ), which requires maximum possible accuracy. 



By continuing to report these unverifiable and incomplete accounts, Innovis is damaging my credit profile and disregarding federal law. I am demanding that these accounts be permanently removed and that Innovis be held accountable for failing to comply with its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief