vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Subject : Unauthorized rebill on disputed charge without required documentation Barclays XXXX Rewards Visa Description of the problem : I am filing a complaint against Barclays regarding an improper rebill of a disputed transaction related to case number XXXX. 

On XX/XX/year>, Barclays sent me an official letter confirming that a provisional credit had been applied to my account for a disputed charge of {$1500.00}, from XXXX XXXX XXXX. 
The letter clearly states that : If we rebill your account, we will do so within 90 days and provide an explanation in writing along with copies of the relevant documentation. 

However, on XX/XX/year>, Barclays posted a RE-BILL for the same amount ( {$1500.00} ) on my account without providing any prior notice and without supplying any of the required merchant documentation, violating the terms stated in their own dispute letter. 

I received no written explanation, no evidence from the merchant, and no communication of any kind prior to the rebill. 
This violates : The banks own written dispute policy, Fair Credit Billing Act ( FCBA ) requirements for proper notice, My rights as a consumer during an active billing dispute.

I am requesting : 1. Immediate restoration of the provisional credit 2. Reopening of the dispute 3. Full copies of any documentation allegedly provided by the merchant 4. A written explanation for the rebill 5. Review of Barclays failure to follow dispute compliance procedures Barclays acted improperly by rebilling without notice, and I am seeking CFPB assistance to ensure the bank complies with FCBA regulations and restores my consumer protections. 

Account ending : XXXX Rebill posted on : XX/XX/year> Disputed amount : {$1500.00} Thank you for your assistance.

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 2025-11-13 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: TN

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/year> -- {$1400.00} XXXX # XXXX XX/XX/year> -- {$320.00}

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im being reported for XXXX 30 day and 60 day late payment 's by Experian and also XXXX XXXX. Im also being refused credit also business credit also Im being denied business loans and jobs

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : FCRA 605 ( b ) IMMEDIATE DELETION Identity Theft Victim I am XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I am a victim of identity theft. Attached : FTC Identity Theft Affidavit ( Case # [ INSERT FTC CASE # ] ) and proof Capital One already deleted their auto loan due to fraud. 

DELETE these XXXX fraudulent items from my XXXX  report WITHIN 4 DAYS : XXXX. CAP ONE AUTO # XXXX {$37000.00} balance, multiple XXXX lates ( creditor deleted ) XXXX. XXXX  XXXX  # XXXX {$10000.00} balance XXXX. XXXX XXXX # XXXX {$2400.00} collection XXXX. XXXX XXXX # XXXX {$2200.00} collection XXXX. XXXX XXXX # XXXX {$1000.00} balance XXXX. XXXX XXXX # XXXX {$980.00} collection XXXX. XXXX  # XXXX {$650.00} balance XXXX. XXXX # XXXX {$640.00} balance, closed XXXX. XXXX XXXX # XXXX {$450.00} charge-off Also delete ALL hard inquiries from the last 12 months related to these accounts. 

Failure to delete = FCRA violation. Send confirmation. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
This is a follow-up to a previous complaint ( XXXX ) that was closed prematurely. New documentation and review of the Notice XXXX XXXX to Cure show that the charge-off occurred before the stated cure deadline of XX/XX/XXXX. 
I am requesting that the CFPB reopen or reexamine this matter, as Sallie Mae charged off my loan prior to the deadline stated in their own written notice. 
Timeline of events : My monthly payment was due on XX/XX/XXXX, and I submitted it that day. 
On XX/XX/XXXX, I received a Notice of Right to Cure Loan Delinquency in the mail, dated XX/XX/XXXX, stating I had until XX/XX/XXXX to make the required payment and avoid default. 
On XX/XX/XXXX, I was notified that my XX/XX/XXXX payment had been rejected by my bank. 
When I contacted Sallie Mae on XX/XX/XXXX to make a payment before the XX/XX/XXXX cure deadline, I was told the loan had already been charged off on XX/XX/XXXX, and payment could not be accepted. 
The charge-off occurred 20 days before the cure period expired, even though Sallie Maes written notice explicitly allowed payment through XX/XX/XXXX. This action violates the terms they provided and denied me the opportunity to cure the delinquency. 
I take full accountability for falling behind on payments ; however, I made every reasonable effort to correct the delinquency within the timeframe Sallie Mae stated. Their refusal to honor their own cure period caused significant harm to my credit and resulted in the loan being sold to a third party. 
Requested Resolution : Reverse or correct the premature charge-off. 
Reinstate the loan to active status upon payment. 
Update my credit report to remove the inaccurate charge-off notation. 
Provide written confirmation or explanation for why the cure period was not honored, if reversal is denied. 
I have attached or can provide supporting documents, including : Payment confirmation dated XX/XX/XXXX Payment rejection email dated XX/XX/XXXX Notice of Right to Cure Loan Delinquency dated XX/XX/XXXX Thank you for reviewing this complaint and ensuring the companys actions comply with the Fair Credit Reporting Act and applicable consumer protection standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Formal notice of FCRA Violations-Sham Investigation & Failure to conduct a Lawful Reinvestigation. Experian / Equifax / Transunion

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
During the XXXX period, I became seriously XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This caused XXXX XXXX hardship and loss of income, leading to missed payments and a charge-off. I requested compassionate review, but Capital One did not assist. 
Requested : Reinvestigate hardship Validate reporting Consider goodwill deletion Remove inaccurate/unverified data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Debt tied to medical hardship. Midland did not validate the debt or consider hardship. 
Requested : Full validation Removal if unvalidated Hardship-based deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Transunion, Equifax and Experian are all reporting incorrect addresses and a suffix has been added to my day of " XXXX ''. I have disputed all the addresses and suffix in the past but nothing has been changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Transunion, Equifax and Experian are all reporting incorrect addresses and a suffix has been added to my day of " XXXX ''. I have disputed all the addresses and suffix in the past but nothing has been changed.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent hard inquiry from XXXX that appears on my TransUnion credit report. I did not authorize this inquiry and did not apply for any credit with XXXX or XXXX. This inquiry is the result of identity theft, and I am requesting its immediate removal. 
Please apply TransUnion Fraud Code 115 Fraudulent Activity / Identity Theft to this dispute.

FCRA 611 Duty to Investigate & Remove Unverifiable Information You must investigate this inquiry and delete it if it can not be verified as authorized by me. 

The inquiry date is XX/XX/year> 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 2025-11-13 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: TN

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

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 2025-11-13 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: NV

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Zions Debt Holdings
State: MS

Complaint narrative:
* * CFPB ESCALATION LETTER ZIONS HOLDING * * Consumer : * * XXXX XXXX * * Email : XXXX Date : XXXX__ * * Subject : Escalation Furnisher Failed to Validate Debt & Continues Reporting * * To Whom It May Concern : This is an escalation of my complaint filed on XX/XX/2025, regarding Zions Holding XXXX 
I submitted a certified Debt Validation Request to Zions Holding on XX/XX/2025. XXXX confirmed delivery. They did not provide the required validation under FDCPA 809 ( b ) or FCRA 602611.

Despite this failure, they continue to furnish information to the credit bureausmarking the account closed instead of removing it. This constitutes : * * FCRA 611 ( a ) ( 1 ) ( A ) Failure to Ensure Accuracy * * * * FCRA 611 ( a ) ( 5 ) ( A ) Duty to Delete Unverifiable Information * * * * FDCPA 813 Civil Liability * * * * FDCPA 807 ( 8 ) False Credit Reporting * * * * Requested Resolution : * * 1. Require Zions Holding to delete the unvalidated account 2. Require them to provide proof of validation if they claim to have any 3. Require all bureaus to update their records accordingly 4. Order corrective action as needed * * Attached Evidence : * * Original validation letter Certified mail receipt & tracking Credit report screenshots Proof of continued inaccurate reporting Thank you for your assistance. 
Sincerely, * * XXXX XXXX * *

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im being reported for XXXX 30 day and 60 day late payment 's by Experian and also XXXX XXXX. Im also being refused credit also business credit also Im being denied business loans and jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AR

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, and Equifax Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It's about a {$1200.00} XXXX purchase where my card made an unrecognized transaction. 
The claim number is 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