vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-31 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX  XX/XX/XXXX {$11000.00} Late 90 Days / Closed XXXX  XXXX XX/XX/XXXX {$200.00} Current/Closed Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XX/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 2025-05-31 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: MO

Complaint narrative:
I previously disputed the reporting of my personal and account information with XXXX, requesting full suppression and deletion under the Fair Credit Reporting Act ( FCRA ). I did not authorize the collection, maintenance, or sharing of my information, and XXXX has no permissible purpose to retain or report it. 

Despite my requests, they continue to report and store my data, violating : FCRA 602 Right to privacy FCRA 604 ( a ) No permissible purpose FCRA 611 ( a ) Failure to delete unverifiable or disputed data FCRA 607 ( b ) Inadequate procedures to ensure accuracy and lawful reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-31 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, Capital One bank closed all XXXX my credit cards. They said it was 1-2 accounts were late with rejected payments. They said that's their final decision. Even though, I have 3 diff credit cards with them, and only 1 account late. But then they decided to closed all 3 accounts, with 1 was a secured account with a {$900.00} deposit. Now i have none with them. Why is this? where is the second chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The XXXXXXXX XXXX XXXX account was paid in full through a settlement agreement, yet it continues to report as charged off with multiple derogatory late payments. This account is inaccurately showing a write-off and late history even though the obligation was resolved. According to FCRA 1681s-2 ( b ), furnishers must report accurate and updated information once a debt is disputed or settled. The continued reporting of a charge-off after resolution misleads lenders and unfairly damages my credit profile. Under FCRA 1681i ( a ), Equifax and TransUnion failed to properly reinvestigate this dispute and remove unverifiable or misleading data. XXXXXXXX XXXX TransUnion and XXXX XXXX XXXX support full deletion of tradelines that can not be accurately verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The XXXXXXXX XXXX XXXX account was paid in full through a settlement agreement, yet it continues to report as charged off with multiple derogatory late payments. This account is inaccurately showing a write-off and late history even though the obligation was resolved. According to FCRA 1681s-2 ( b ), furnishers must report accurate and updated information once a debt is disputed or settled. The continued reporting of a charge-off after resolution misleads lenders and unfairly damages my credit profile. Under FCRA 1681i ( a ), Equifax and TransUnion failed to properly reinvestigate this dispute and remove unverifiable or misleading data. XXXXXXXX XXXX TransUnion and XXXX XXXX XXXX support full deletion of tradelines that can not be accurately verified.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The XXXXXXXX XXXX XXXX account was paid in full through a settlement agreement, yet it continues to report as charged off with multiple derogatory late payments. This account is inaccurately showing a write-off and late history even though the obligation was resolved. According to FCRA 1681s-2 ( b ), furnishers must report accurate and updated information once a debt is disputed or settled. The continued reporting of a charge-off after resolution misleads lenders and unfairly damages my credit profile. Under FCRA 1681i ( a ), Equifax and TransUnion failed to properly reinvestigate this dispute and remove unverifiable or misleading data. XXXXXXXX XXXX TransUnion and XXXX XXXX XXXX support full deletion of tradelines that can not be accurately verified.

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 2025-05-31 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:
I am submitting this general dispute against Equifax, XXXX, and XXXX  for continuing to report four ( 4 ) auto loan charge-off tradelines that are currently under active CFPB investigation : XXXX XXXX Account # : XXXX ( CFPB Case # : XXXX ) XXXX XXXX XXXX  Account XXXX XXXX XXXX ( CFPB Case # : XXXX ) XXXX XXXX XXXX  Account # : XXXX XXXX CFPB Case # : XXXX ) XXXX XXXX  Account # : XXXX ( CFPB Case # : [ insert if available ] ) Over the past five months, I have submitted multiple legally compliant disputes to the credit bureaus concerning these accounts. In every case, the original furnisher has failed to provide proper validation, such as auction records, deficiency balance breakdowns, or IRS Form 1099-C. 

Despite this, the credit bureaus have : Failed to suppress or delete these tradelines Continued to furnish unverified data Sent multiple generic template letters, including repetitive requests for identity verification even after I submitted my drivers license, Social Security card, and bank-issued credit card statement through this portal I am now demanding a full legal reinvestigation and deletion of any tradeline that remains unverified. 

The bureaus are violating : FCRA 611 ( a ) failure to remove unverified data FCRA 607 ( b ) failure to ensure reporting accuracy FCRA 623 ( b ) continued furnishing by data providers who failed to validate Metro 2 guidelines failure to reflect active legal disputes I respectfully request that this matter be escalated for review by a CFPB compliance officer or investigator, as the pattern of inaction by both furnishers and credit bureaus demonstrates widespread FCRA noncompliance. 

If unresolved, I will proceed with : Filing IRS Form 3949-A for possible tax-reporting violations ( 1099-C non-filing ) Submitting complaints to the FTC and State Attorney General Asserting my legal rights under 15 U.S.C. 1681n and 1681o for willful or negligent FCRA violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I am submitting this general dispute against XXXX, Experian, and XXXX  for continuing to report four ( 4 ) auto loan charge-off tradelines that are currently under active CFPB investigation : XXXX XXXX Account # : XXXX ( CFPB Case # : XXXX ) XXXX XXXX XXXX  Account XXXX XXXX XXXX ( CFPB Case # : XXXX ) XXXX XXXX XXXX  Account # : XXXX ( CFPB Case # : XXXX ) XXXX XXXX  Account # : XXXX ( CFPB Case # : [ insert if available ] ) Over the past five months, I have submitted multiple legally compliant disputes to the credit bureaus concerning these accounts. In every case, the original furnisher has failed to provide proper validation, such as auction records, deficiency balance breakdowns, or IRS Form 1099-C. 

Despite this, the credit bureaus have : Failed to suppress or delete these tradelines Continued to furnish unverified data Sent multiple generic template letters, including repetitive requests for identity verification even after I submitted my drivers license, Social Security card, and bank-issued credit card statement through this portal I am now demanding a full legal reinvestigation and deletion of any tradeline that remains unverified. 

The bureaus are violating : FCRA 611 ( a ) failure to remove unverified data FCRA 607 ( b ) failure to ensure reporting accuracy FCRA 623 ( b ) continued furnishing by data providers who failed to validate Metro 2 guidelines failure to reflect active legal disputes I respectfully request that this matter be escalated for review by a CFPB compliance officer or investigator, as the pattern of inaction by both furnishers and credit bureaus demonstrates widespread FCRA noncompliance. 

If unresolved, I will proceed with : Filing IRS Form 3949-A for possible tax-reporting violations ( 1099-C non-filing ) Submitting complaints to the FTC and State Attorney General Asserting my legal rights under 15 U.S.C. 1681n and 1681o for willful or negligent FCRA violations

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 2025-05-31 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: FL

Complaint narrative:
I am submitting this general dispute against XXXX XXXX, and TransUnion for continuing to report four ( 4 ) auto loan charge-off tradelines that are currently under active CFPB investigation : XXXX XXXX Account # : XXXX ( CFPB Case # : XXXX ) XXXX XXXX XXXX  Account XXXX XXXX XXXX ( CFPB Case # : XXXX ) XXXX XXXX XXXX  Account # : XXXX ( CFPB Case # : XXXX ) XXXX XXXX Account # : XXXX ( CFPB Case # : [ insert if available ] ) Over the past five months, I have submitted multiple legally compliant disputes to the credit bureaus concerning these accounts. In every case, the original furnisher has failed to provide proper validation, such as auction records, deficiency balance breakdowns, or IRS Form 1099-C. 

Despite this, the credit bureaus have : Failed to suppress or delete these tradelines Continued to furnish unverified data Sent multiple generic template letters, including repetitive requests for identity verification even after I submitted my drivers license, Social Security card, and bank-issued credit card statement through this portal I am now demanding a full legal reinvestigation and deletion of any tradeline that remains unverified. 

The bureaus are violating : FCRA 611 ( a ) failure to remove unverified data FCRA 607 ( b ) failure to ensure reporting accuracy FCRA 623 ( b ) continued furnishing by data providers who failed to validate Metro 2 guidelines failure to reflect active legal disputes I respectfully request that this matter be escalated for review by a CFPB compliance officer or investigator, as the pattern of inaction by both furnishers and credit bureaus demonstrates widespread FCRA noncompliance. 

If unresolved, I will proceed with : Filing IRS Form 3949-A for possible tax-reporting violations ( 1099-C non-filing ) Submitting complaints to the FTC and State Attorney General Asserting my legal rights under 15 U.S.C. 1681n and 1681o for willful or negligent FCRA violations

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 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: PA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and individual privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act : As a student loan borrower, my information should have been protected ; however, the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Sunbit, Inc.
State: NV

Complaint narrative:
I applied for and was a approved for a Sunbit XXXXXXXX XXXX  in XXXXXXXX XXXX XXXX, after three weeks, the card did not arrive at my residence in XXXX Alabama. I have asked repeatedly for the replacement card to expedited to me in XXXX XXXX, as I'm here for work. 

And instead, they've cancelled all requests and demanded payment. 

Furthermore, a Customer Service Lead by the name of XXXX, actually cancelled my replacement card and updated my address without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of the following item : Account Information : Creditor Name : AMERICAN EXPRESS Account NumberXXXX Account Information : Creditor Name : XXXX Account Number:XXXX Account Information : Creditor Name : XXXX XXXX Account Number XXXX XXXX Account Information : Creditor Name : XXXX Account Number : XXXX Account Information : Creditor Name : XXXX XXXX XXXX Account NumberXXXX XXXX - SIGNATURE Description of Inaccuracy : I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.

Company response to consumer: Closed with explanation