vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I received an alert from my credit monitoring with XXXX on XX/XX/year> that a bank account was opened with my information with SOFI bank. I contacted the experion and we called SOFI on XX/XX/year>. They provided me with a investigation # XXXX. I called back on XX/XX/year> and they refuse to provide any information other than a verbal " it has been taken care of ''. They would not provide in writing or any confirmation that the account was closed or a Fraud Removal letter. To my understanding I am entitled by law to receive confirmation in writting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Had an order from Walmart that never got delivered and I decided to dispute it with capital one after wapmart promised me a refund on 4 separate occasions. Capital One told me to send info and I sent screenshot of my conversations with walmart. Capital One has denied it 12 times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I have never received any notice from you regarding the alleged debt you are attempting to collect, and I was surprised to find this account reported on my credit report. Pursuant to my rights under applicable law, I formally request verification of this debt, including, but not limited to : a copy of the contract or agreement signed by the original creditor and all relevant parties, the original account documents, a detailed account breakdown reflecting interest rates, the annual percentage rate ( APR ), and a complete statement of credits and payments applied to this account. Additionally, please provide clarification regarding the date the debt first became delinquent, the date of the last payment or credit, the charge-off date, the account balance at the time of the charge-off, and a complete copy of the contract associated with this debt. Please note : a statement, notice, or any unsigned document does not verify the alleged debt. 

You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me with the verification documents above shall not be deemed a collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-05 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 am disputing the following accounts on my Experian credit report. The details listed are inaccurate, and I request an investigation of these accounts to ensure they are reported correctly. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account 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 2025-11-05 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Date : [ XXXX ] To : CPB Dispute Department, FTC, Transunion, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft ( XXXX XXXX XXXX Loan ) Dear CPB Dispute Department, FTC, Transunion, XXXX, XXXX, XXXX XXXX XXXX  I am writing to formally dispute a fraudulent account that appears on my credit report. This account was opened without my authorization and is the result of identity theft. I request that this account be immediately removed from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), including sections 605B and 609 ( e ), which protect victims of identity theft.

Details of the Fraudulent Account : * Creditor : XXXX XXXX XXXX Account Type : XXXX XXXX XXXX  Account Opened : XX/XX/XXXXXXXX XXXX  Reported Date : XX/XX/XXXXXXXX XXXX  Reported Balance : {$2200.00} XXXX Highest Balance : {$3700.00} XXXX Account Status : Open / Payment Deferred account # XXXXXXXX XXXX Reported by : XXXX XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX I have never opened, authorized, or agreed to any student loan with XXXX XXXX. This account was created through fraudulent use of my personal information, and I am not responsible for it. 
Please conduct a full investigation and remove this fraudulent account from my credit file. I also request that you block this information from reappearing in the future and notify any parties who have received my credit report containing this false account. 
Enclosed are copies of documents verifying my identity and supporting my dispute : * A copy of my government-issued ID; * A copy of my FTC Identity Theft Report ( from XXXX ) ; * A copy of a police report documenting the identity theft ; and * Proof of my current address. 
Under the FCRA, I expect written confirmation of your findings and the actions taken within 30 days of receiving this letter. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-11-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Date : [ XXXX ] To : CPB Dispute Department, FTC, XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX  Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft ( XXXX XXXX XXXX XXXX  ) Dear CPB Dispute Department, FTC, XXXX, Equifax, XXXX, XXXX XXXX XXXX  I am writing to formally dispute a fraudulent account that appears on my credit report. This account was opened without my authorization and is the result of identity theft. I request that this account be immediately removed from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), including sections 605B and 609 ( e ), which protect victims of identity theft.

Details of the Fraudulent Account : * Creditor : XXXX XXXXXXXX XXXX  Account Type : XXXX XXXX XXXX Account Opened : XX/XX/XXXXXXXX XXXX Reported Date : XX/XX/XXXXXXXX XXXX Reported Balance : {$2200.00} XXXX Highest Balance : {$3700.00} XXXX Account Status : Open / Payment Deferred account # XXXXXXXX XXXX  Reported by : XXXX XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX I have never opened, authorized, or agreed to any student loan with XXXX XXXX. This account was created through fraudulent use of my personal information, and I am not responsible for it. 
Please conduct a full investigation and remove this fraudulent account from my credit file. I also request that you block this information from reappearing in the future and notify any parties who have received my credit report containing this false account.

Enclosed are copies of documents verifying my identity and supporting my dispute : * A copy of my government-issued ID; * A copy of my FTC Identity Theft Report ( from XXXXXXXX XXXX XXXX XXXX  A copy of a police report documenting the identity theft ; and * Proof of my current address. 
Under the FCRA, I expect written confirmation of your findings and the actions taken within 30 days of receiving this letter. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MAN is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am submitting a dispute regarding the following accounts listed on my Equifax credit report. I believe the information is incorrect, and I request a thorough investigation into these accounts. Please verify and provide documentation to confirm the accuracy of these entries. If they can not be verified, I request removal under the FCRA. 

Charged Off Accounts : XXXXXXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  : Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} Late Payments : XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I have never received any notice from you regarding the alleged debt you are attempting to collect, and I was surprised to find this account reported on my credit report. Pursuant to my rights under applicable law, I formally request verification of this debt, including, but not limited to : a copy of the contract or agreement signed by the original creditor and all relevant parties, the original account documents, a detailed account breakdown reflecting interest rates, the annual percentage rate ( APR ), and a complete statement of credits and payments applied to this account. Additionally, please provide clarification regarding the date the debt first became delinquent, the date of the last payment or credit, the charge-off date, the account balance at the time of the charge-off, and a complete copy of the contract associated with this debt. Please note : a statement, notice, or any unsigned document does not verify the alleged debt.

You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me with the verification documents above shall not be deemed a collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am disputing the following charged-off accounts, as they are inaccurately reported or incomplete : CHARGED OFF XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2000.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$6800.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2300.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
So I am a XXXX  and my producer misappropriated the funds for our film, while also fronting costs on my cards that were promised to be reimbursed. These charges dated back to XXXX of XXXX. I am currently suing the Producer to get back a large chunk of money owed for labor and reimbursement ( roughly XXXX of labor and XXXX of reimbursement ). 

I contacted Bank of America in XXXX after all of this happened. They actually helped me get a large chunk of money spent on a Credit Card back that I was not a party to ( hotel rooms I did not stay in, meals I did not have, flights I did not take, etc. ) However, Bank of America while approving credits for some flights have denied reimbursements for others. I did not take these flights and only authorized their use after I was promised reimbursement. 

For instance the approved and reimbursed a credit for a flight below : Date : XX/XX/XXXX XXXX : {$420.00} XXXX  - XXXX  CLAIM # XXXX But denied me for others. I have gone back and forth but finally they said there was nothing they could do. Below are the specific charges and dates. 

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

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 monetary relief
Consumer complaint received 2025-11-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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