vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company of the error in my credit report and request to delete the error immediately. The bankruptcy remark hurt my credit report and might decrease my credit score as well. Here are the details : Bankruptcy XXXX Bankruptcy Balance {$0.00} Reference Number 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 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX  XXXX - XXXX List of Unauthorized Inquiries : XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company of the error in my credit report and request to delete the error immediately. The XXXX  remark hurt my credit report and might decrease my credit score as well. Here are the details : XXXX XXXX XXXX  XXXX {$0.00} Reference Number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I bank with Huntington Bank in Ohio. On XX/XX/XXXX I went on-line and paid with my debit card to have a car sent to XXXX. The total charge was {$290.00} On XX/XX/XXXX I had fraud committed on my account totaling {$3500.00}. I had received ONE text from Huntington during my very busy work day asking if ONE charge to XXXX for {$230.00} was me. I misread the text and thought it was regarding the {$290.00}. So I did say yes but then immediately got concerned excused myself from my work desk and called my husband who immediately called Huntington Bank. He found that 5 fraud charges had been committed on our account using my debit card. He asked for the card to be reported as fraud and that the charges be reported as fraud. Huntington said we would have to wait two days to see if the charges went through and then report the fraud. We waited until Friday XXXX of XXXX as directed and called in to open the fraud case. We were told it would take from one to 10 days to get our money back because they had to do an investigation. I called XXXX and reported the fake charges to them as well. XXXX fraud did their on investigation and said that the charges were falsely described as their company and were done by whoever stole my card on -line. Huntington has never reported anything to us and we called for updates three times and were told it was being investigated. Yesterday, Monday the XXXX my husband called for an update and was told that they closed it because I authorized the {$230.00} by mistake. I made a mistake on that one but they never ever asked about the other 4 charges. They communicated nothing to us as required by the EFTA. No investigation was done per the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-24 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: NC

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

1681c-2 ) that you, the XXXX  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 XXXXXXXX XXXX XXXX NC 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

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX charged off as delinquent {$60.00} XXXX XXXX XX/XX/XXXX Payment after charge off/collection {$370.00} XXXX XXXX XXXX XX/XX/XXXX Charge Off/Other Derog {$370.00} XXXX XXXX  XX/XX/XXXX Payment after charge off/collection {$370.00} XXXX XXXX XX/XX/XXXX {$200.00} Capital One Bank Usa/Capital One {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$760.00} I am submitting this complaint in response to recent events involving a massive global data leak disclosed in XX/XX/XXXX. According to multiple reports, including XXXX and XXXX  XXXX, over XXXX XXXX login credentialsincluding usernames, passwords, and possible linked identifierswere discovered in a public breach compilation on XX/XX/XXXX This breach was not due to a hack of XXXX, XXXX, or XXXX, but rather the result of malware infecting millions of personal devices and stealing data over time. 

As a result of this exposure, I am deeply concerned that my personal identifying information ( PII ) may have been compromised and could be used to open fraudulent accounts, initiate hard inquiries, or modify my credit file without authorization. 

For all accounts listed I have contacted [ XX/XX/XXXX] directly, submitted documentation, and requested that : A fraud alert be placed on my file ; My credit report be investigated for any unauthorized accounts or inquiries that may have occurred after XX/XX/XXXX ; I be provided with a full consumer disclosure and findings ; The bureau remove any inaccurate or fraudulent data that may appear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$7600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$370.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2800.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$190.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$160.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$78.00} Open Date XX/XX/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 2025-06-24 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: CA

Complaint narrative:
To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege to dispute negative information, I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the 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 2025-06-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege to dispute negative information, I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Zip Co US Inc.
State: TN

Complaint narrative:
I had my identity stolen back in XXXX and my bank accounts hacked as well. I had to have my accounts frozen for a week and had no access to a bank card. I told this company in XX/XX/year>XXXX  about the hacker and they said " doesn't qualify for help .. police report doesn't matter and you need to pay all late fees and missed payments. In XX/XX/year>XXXX  I lost my job and tried contacting them multiple times trying to get ahold of a manger to work with me to get my accounr current and not reach collections but they will not contact me and customer service reps say thwres nothing they'll do. 

Surely theres something this company can do to help people who want to pay but can't pay entire balance due to losing job!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : Creditor Name : XXXX Account Number : XXXX Balance : {$4700.00} Creditor Name : XXXX Account Number : XXXX Balance : {$2100.00} Creditor Name : XXXX Account Number : XXXX Balance : {$5800.00} Creditor Name : XXXX Account Number : XXXX Balance : {$2100.00} Creditor Name : XXXX Account Number : XXXX Balance : {$1000.00} Creditor Name : XXXX Account Number : XXXX Balance : {$4700.00} Creditor Name : XXXX Account Number : XXXX Balance : {$2200.00} Creditor Name : XXXX Account Number : XXXX Balance : {$6900.00} Creditor Name : XXXX Account Number : XXXX Balance : {$3700.00} Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} ( Paid, Closed ) Inquiry : XXXX Inquiry Date : XX/XX/year> These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. Please provide documented proof that I authorized these accounts or inquiries, such as a signed contract or agreement. If verification can not be provided, I request that these items be permanently removed. 

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account or inquiry is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of my current address Requested Actions : Immediate blocking and removal of all fraudulent accounts and inquiries. 

Debt verification for all disputed accounts. 

Written confirmation that these items have been deleted. 

Proof that furnishers were notified to stop reporting unverifiable data. 

An updated copy of my credit report showing these corrections. 

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Failure to comply may result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
Upon reviewing my consumer report, I identified several late payment entries for accounts on which I have consistently made on-time payments. As Consumer Reporting Agencies are responsible for ensuring the accurate and fair representation of consumer information, it is crucial that all reported data reflect the facts. 

I have never missed a payment on the following accounts : XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, and XXXX Accordingly, I am formally requesting a thorough investigation into these discrepancies. Please provide documentationsuch as account statementsthat support the reported late payments. 

If no such evidence can be produced, I respectfully request that these inaccuracies be corrected immediately to reflect my accurate payment history, as I have fulfilled all my financial obligations in a timely manner.

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2025 I sent XXXX dollars to a family member in need in XXXX bia Western Union from my bank account directly to their bank account ( details were correct because I had sent money to this account before via Western Union ). I selected the option to transfer the money in 4-8 business days. My family member never received the money and it has been 2 months. I have called multiple times and even opened an investigation with them regarding this. Every time I call they do not give me any real information and deflect the issue, they mention i will receive an email with updates within a set amount of time and the emails never arrive. At this point, it seems they have stolen my money and left my family member without much needed funds. This is unethical and illegal. The money either needs to be sent to my family or returned to me as soon as possible.

Company response to consumer: Closed with explanation