vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Can't remember exact date we sent in documents but it was XXXX to XXXX weeks ago. 

I called them today XXXX requesting access to account and letting them know by federal law they're required to let me see my statement which I can not do becusee I'm on paperless for both accounts which I did not request they snuck it in on me and didn't properly disclose it because I want paper statements. 

To Whom It May Concern, I am filing a formal complaint against Capital One regarding my account being locked and the unreasonable difficulty Ive experienced trying to regain access. 

My account was restricted due to a fraud alert. I followed all instructions and submitted every document Capital One requested : a copy of my drivers license ( front and back ), my Social Security card, and a recent power bill showing my name, address, and the utility provider. Despite this, they continue to deny me access. 

I am enrolled in paperless statements, so the only way I can view or download my account statementsfor both my checking account and credit cardis by logging into my Capital One account. I am not trying to use the credit card anymore and have no issue with that part remaining restricted. However, I need to access my statements for recordkeeping and proof of transactions. 

Capital Ones insistence that my utility bill be unfolded is not only unreasonable but unrealistic, as most bills are delivered folded in the mail. I have done everything I was asked to do and feel I am being unfairly denied access to my own financial records. 

Details : Bank Name : Capital One Account Type : Checking and credit card ( linked under XXXX login ) Documents Submitted : Drivers license ( front/back ), Social Security card , power bill Statement Access : Enrolled in paperless statements, can not view or download them without logging in Date of Lockout : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: DC

Complaint narrative:
These accounts are fraudulently reporting, and are breaching my rights under the Fair Credit Reporting Act. Each of them are reporting differently across the three bureaus, and they all manipulate the statue of limitations on reporting. They have all fraudulently extended the legal reporting window way beyond the seven year window.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: DC

Complaint narrative:
These accounts are fraudulently reporting, and are breaching my rights under the Fair Credit Reporting Act. Each of them are reporting differently across the three bureaus, and they all manipulate the statue of limitations on reporting. They have all fraudulently extended the legal reporting window way beyond the seven year window.

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 2025-07-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
What happened : On XX/XX/XXXX, a payment of {$350000.00} was due on my account with XXXX XXXX XXXX  ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). At the time, I was out of the country undergoing medical therapy and XXXX due to a critical illness. 

Because of my condition, I verbally authorized my son, XXXX XXXX ( DOB : XX/XX/XXXX ), who resides in the U.S., to handle my household responsibilities and make bill payments on my behalf. When he contacted the bank to make the payment, he was denied due to being underage. I believe the bank has a voice recording of this call, which can verify his attempt to make the payment in good faith. 

Despite my circumstances and my son 's effort, the payment was marked as missed, and this was reported to the credit bureaus, negatively impacting my credit history. 

In addition, I noticed a fraudulent credit card account on my credit report, allegedly from The Home Depot, with a balance of {$16000.00}, opened on XX/XX/XXXX. I did not authorize or open this account, and I am requesting that it be investigated and removed as fraudulent. 

Actions taken : My son attempted to make the payment over the phone. 

The bank declined due to his age. 

I reviewed my credit report and found the fraudulent Home Depot account. 

What I am requesting : A correction to my credit report to remove the missed payment mark from XXXX XXXX XXXX  due to the extenuating circumstances and my sons documented attempt to pay. 

An investigation into and removal of the fraudulent Home Depot credit card account.

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 2025-07-29 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-29 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-29 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
In XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX completed foreclosure on the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This foreclosure extinguished any XXXX or interest held by XXXX. No legal assignment, court order, or reinstatement of XXXX exists after the HOA foreclosure. 

While XXXX is not currently reporting to credit bureaus, foreclosure proceedings remain on record and could be incorrectly reported or transferred in the future. 

I am requesting a formal confirmation that XXXX has no legal standing or enforceable claim, that the account is closed with {$0.00} balance, and that no future credit reporting or collection activity will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX XXXX completed foreclosure on the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This foreclosure extinguished any XXXX or interest held by XXXX. No legal assignment, court order, or reinstatement of XXXX exists after the HOA foreclosure. 

While XXXX is not currently reporting to credit bureaus, foreclosure proceedings remain on record and could be incorrectly reported or transferred in the future. 

I am requesting a formal confirmation that XXXX has no legal standing or enforceable claim, that the account is closed with {$0.00} balance, and that no future credit reporting or collection activity will occur.

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 2025-07-29 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: KS

Complaint narrative:
My credit report and noticed that there were some incorrect fraudulent items on my credit report and there is a collection that was opened in XXXX and I have disputed this item and each time it keeps coming back as verified, but it is a closed account and it was open in XXXX. We are in XXXX. How can you verify a close account Original balance XXXX XXXX XXXX Original balance {$11000.00} Account number XXXX Date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MN

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 2025-07-29 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:
I contacted Transunion to report an issue on my Transunion credit report that does not belong to me. I explained there is a name and address and an XXXX credit card that I have no knowledge of that was opened up in XXXX of XXXX. I explained I called XXXX card on XX/XX/XXXX, and they informed me that I did not have an open account or credit card using any of my information through them. The account got sent to collections on XX/XX/XXXX and is now showing up as a negative on my credit report. Transunion found that the information on my credit report is accurate. I spoke to a manager at Transunion on XX/XX/XXXX regarding my dispute and they refused to help me they said my complaint is with XXXX credit Card and they can not help me. I explained to Transunion that there is a debt on my credit report that is false, and I would like it removed ASAP.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I authorized a balance transfer of {$1600.00} from my Citi credit card to my XXXX credit card on XX/XX/year>. The funds never arrived at XXXX, and on XX/XX/XXXX, XXXX reversed the credit and stated they had not received the payment. 

I contacted Citi multiple times for clarification. After weeks of phone calls and chat logs, I was told the funds were sent but when I requested a transmittal form or proof of the receiving account, Citi refused to provide documentation. I have now been told the payment may have been sent to the wrong account number, even though I initiated the transfer directly through Citis online platform and was never notified of an error. 

As a result, I have been charged twice for the same debt, am facing accruing interest, and neither Citi nor XXXX is resolving the issue. I was issued a Trace ID, but XXXX is refusing to accept it without official transfer confirmation from Citi which Citi still has not provided. 

I am an XXXX XXXX XXXX XXXX XXXX currently in pilot training and have been dealing with this on top of sudden funeral expenses for my father. I have already submitted a complaint against XXXX as well. I am simply asking for Citi to provide written confirmation of where the funds were sent so this can be resolved.

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 2025-07-29 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: CA

Complaint narrative:
I am writing and submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been severely impacting both my life and credit score, preventing me from achieving financial freedom and stability.

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 2025-07-29 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been seriously affecting both my life and credit score. These inaccuracies are preventing me from achieving financial stability and freedom.

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 2025-07-29 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-29 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
Everything on FTC and PDF is fraud Remove immediately! 
XXXX XXXX XXXX I did not authorize. Block Remove immediately!

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