vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian \nExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Late Payment  Request for Investigation under FCRA (15 U.S.C.  1681i and  1681s-2)\nTo Whom It May Concern,\nI am writing to formally dispute an inaccurate late payment entry appearing on my credit report related to the following account:\nCreditor Name: XXXX XXXX XXXX XXXX XXXX XXXX Alleged Late Payment: XXXXAccording to my records, this payment was made on time. Therefore, I believe this information is inaccurate and request that you investigate and correct it as required under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, which mandates that credit reporting agencies investigate disputed information, and 15 U.S.C.  1681s-2, which requires furnishers of information to report accurately.\nPlease initiate an investigation into this matter and notify me of the results. If the information is found to be inaccurate or cannot be verified, I respectfully request that it be removed or corrected on my credit report.\nThank you for your attention to this matter. I look forward to your response.\nSincerely,\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 2025-05-13 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: MI

Complaint narrative:
Certain companies accessed my credit report without my authorization, which has negatively impacted my credit and overall score. I was previously informed that these inquiries would be removed ; however, they remain on my report. 

These unauthorized and potentially fraudulent inquiries raise serious concerns about possible identity theft, adding unnecessary stress and further damage to my financial standing. I urge immediate investigation and removal of all unverified inquiries.

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 2025-05-13 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: IL

Complaint narrative:
In XX/XX/XXXX, I contacted Capital One to explain that I was out of work due to a serious neck injury and facing financial hardship. I requested assistance or settlement options across my accounts. I was told they dont offer global settlements. Their representatives presented one-time offers, but if I asked for time to consider, I was later told those options no longer exist. This practice feels intentionally predatory and designed to frustrate resolution. 

On XX/XX/XXXX, I sent a formal written demand letter disputing the legitimacy of an account they are reporting that originated from Kohls. I requested validation under the Fair Credit Reporting Act ( FCRA ). I received no response. They continue to report the account negatively without providing proof. 

I also raised a deeper concern whether Capital One actually had the funds to legally lend. I believe the funds extended to me may have been created as credit entries and not actual assets. If so, it raises questions about whether the debt is legally enforceable. Capital One has refused to address this or provide proof of consideration or funding. If the money was created based on my credit or identity, it should not result in them profiting while I suffer financial harm. 

Because of their continued reporting and refusal to work with me, my credit score has dropped. I was recently denied a loan for an investment property, costing me over {$60000.00} in opportunity. I explained to Capital One that my credit access is tied to my ability to generate income, and they still refused to help.

I am requesting that Capital One : Delete all tradelines associated with these accounts Mark the balances paid in full or settled in good faith Cease negative reporting and collection Ive made every effort to resolve this in good faith. I expect the same in return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I am filing a complaint to dispute and formally request the removal of inaccurate and/or unverifiable items currently appearing on my credit report. This letter serves as my first formal request for reinvestigation in accordance with the Fair Credit Reporting Act FCRA, Section 611.

I recently obtained a copy of my credit report from your bureau and discovered inaccurate information that does not reflect my credit history accurately. As a consumer, I have the right to dispute incomplete or inaccurate information, and to request that such items be deleted if they can not be verified. 
Disputed Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I am filing a complaint to dispute and formally request the removal of inaccurate and/or unverifiable items currently appearing on my credit report. This letter serves as my first formal request for reinvestigation in accordance with the Fair Credit Reporting Act FCRA, Section 611.

I recently obtained a copy of my credit report from your bureau and discovered inaccurate information that does not reflect my credit history accurately. As a consumer, I have the right to dispute incomplete or inaccurate information, and to request that such items be deleted if they can not be verified. 
Disputed Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX  Balance : {$0.00} XXXXXXXX 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 2025-05-13 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: GA

Complaint narrative:
I am filing a complaint to dispute the accuracy and completeness of certain information that appears on my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe is inaccurate, incomplete, outdated, or unverifiable. This letter serves as my formal notice to initiate an investigation into the accounts listed below. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am filing a complaint to dispute the accuracy and completeness of certain information that appears on my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe is inaccurate, incomplete, outdated, or unverifiable. This letter serves as my formal notice to initiate an investigation into the accounts listed below. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple credit accounts that are negatively affecting my credit score despite being resolved with a {$0.00} balance and reported as charged off or settled. These include : XXXX XXXX Listed as charged off and paid for less than the full balance. 

XXXX XXXX Listed as charged off, paid in full for less than the full balance. 

LVNV Funding LLC Listed as a collection, now marked paid in full. 

XXXX XXXXXXXX XXXX Listed as charged off and paid in full for less than the full balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX * XX/XX/XXXX - {$7400.00} XXXX XXXX XXXXXXXX * * * * * * XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX * * * * * * * XX/XX/XXXX - {$41000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XXXXXX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute.

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX  CA, 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 2025-05-13 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: NV

Complaint narrative:
No consistency complying with 15 u.s.c.ss 1681i, In XXXX I paid my car loan early not sure when a {$30.00} late fee arrived. 
1 ) The date open, isn't consistent with all three credit reporting agency 's 2 ) The number of months, isn't consistent with all three credit reporting agencies.3 ) Last reported date, isn't consistent with all three credit reporting agency's.4 ) The harsh commits of three different negative points of view are all different and unresolved. 5 ) Date last active, is reported differently from all 3 credit bureaus. 6 ) Date of last payment, is inconsistent from all three credit reporting bureaus. 7 ) The two year History XXXX  credit reporting agency is correct I had one late.The other two reporting agency report of lateness is incorrect especially Experian.

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 2025-05-13 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: GA

Complaint narrative:
I just got a copy of my credit report, and Im pretty upset to see that the accounts listed are not only inaccurate but also incomplete. Ive already disputed this directly with the Debt Collector and through your agency, but nothing has been done. 
The furnisher of the accounts below has totally dropped the ball on their legal obligations under 15 U.S. Code 1681s2 ( 3 ) and 15 U.S. Code 1692e ( 8 ) of the FDCPA. They didnt even bother to mark the account as in dispute, even though I disputed this over XXXX days ago. This is seriously messing with my reputation whenever creditors or employers check my credit and see this wrong information. 

XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX Date of Inquiry : XXXX XXXX, XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX 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 2025-05-13 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: GA

Complaint narrative:
I just got a copy of my credit report, and Im pretty upset to see that the accounts listed are not only inaccurate but also incomplete. Ive already disputed this directly with the Debt Collector and through your agency, but nothing has been done. 
The furnisher of the accounts below has totally dropped the ball on their legal obligations under 15 U.S. Code 1681s2 ( 3 ) and 15 U.S. Code 1692e ( 8 ) of the FDCPA. They didnt even bother to mark the account as in dispute, even though I disputed this over XXXX days ago. This is seriously messing with my reputation whenever creditors or employers check my credit and see this wrong information. 

XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX Date of Inquiry : XXXX XXXX, XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX 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 2025-05-13 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: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-13 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-13 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against HARRIS & HARRIS regarding an account I have with them XXXX * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : HARRIS ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$59.00}. I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with HARRIS & HARRIS but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
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, Equifax, and TransUnion 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$580.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$370.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance {$1900.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$700.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3100.00} UNIV FCU XXXX * * * * Balance {$0.00} XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$3300.00} CAPITAL XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief