vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion is inaccurately reporting a XXXX  XXXX bankruptcy from Case No. XXXX. This case was filed on XXXX, dismissed on XXXX, and officially closed on XXXX in the U.S. Bankruptcy Court, XXXX XXXX of Missouri. The case did not result in discharge and was dismissed after only XXXX months. 

TransUnion is listing this under negative public records without properly stating that it was dismissed. That is misleading and significantly harms my credit profile. I provided court records to support my dispute, but TransUnion failed to correct the reporting. 

This is inaccurate under the Fair Credit Reporting Act and should be corrected or removed.

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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I filed my taxes with XXXX XXXX XXXX XXXXXXXX, I am to receive a refund in the amount {$4900.00} on XX/XX/year>, I used my banking information with Capital One for my funds to go into my checking account ending in XXXX, I checked my bank account to see if I had received these funds and the money was not in my account, I reached out to XXXX XXXX XXXX XXXXXXXX on XX/XX/year> to find out why I still haven't received my money and to verify the account and routing number that my money was sent to, unfortunately XXXX XXXX XXXX XXXX had the wrong account information, they had the correct routing number but the account number that they had sent it to ended in XXXX, with this information I contacted Capital One and from the very beginning Capital One didn't understand what I had tried to explain to them and wasn't trying to understand either, they kept saying we have not received any money in that amount going to your account ending in XXXX, I had tried to explain obviously the money wasn't sent to my checking account because its not there and I also explained that XXXX XXXX XXXX XXXX sent it to the correct routing number which identifies what bank the money is sent to but to the account number ending in XXXX, all of the numbers are correct in the account number except for the last XXXX digits. I dont understand how this amount of money could get sent to a bank and they cant find my money, XXXX XXXX XXXX XXXX tried contacting Capital One to try and recover these funds with a Hold no Harmless Letter but Capital One has not responded, so now XXXX XXXX XXXX XXXX XXXX telling me there is nothing else that they could do further, and that I have to try and work with Capital One on my own to recover my money, Capital One continues to give me the run around like they aren't trying to resolve my issue or trying to give me my money back at all, I want my money put back into my account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea how it got there. I regularly check my report, and this has never happened before. I refreshed the page hoping it was a temporary glitch, but it stayed there. I'm extremely frustrated and need you to urgently review the documents Ive submitted so I can finally have peace of mind.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-02 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 2025-06-02 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 am filing this CFPB federal complaint to report these separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which can be in the jurisdiction of identity theft and fraud. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish any information to a consumer report. These fraudulent accounts consist of charge-offs, collections and inquiries that are unrecognizable, unverifiable and not validated for my permissible permission pursuant to my rights within the FCRA and FDPCA laws and standards and is causing unauthorized financial harm to my consumer report through premeditated identity theft and fraud. According to FCRA 15 U.S.C 1681a ( 2 ) ( A ) ( I ) These accounts listed below is reporting illegally.Transactions and experiences between consumer and person furnishing report is Prohibited by law, please delete * SEE ATTACHMENT * 1.XXXX XXXX account number:XXXX Date Opened:XXXX 2.XXXX XXXX account number:XXXX  Date Opened:XXXX 3. XXXX XXXX XXXX account number:XXXX Date Opened:XXXX 4. XXXX XXXX XXXX  account number:XXXX Date Opened:XXXX 5. XXXX XXXX XXXX account number:XXXX  Date Opened:XXXX 6.AXXXX XXXX  account number:XXXX  Date Opened:XXXX 7.XXXX XXXX XXXX  account number:XXXX  Date Opened:XXXX 8.XXXX XXXX XXXX account number:XXXX  Date Opened:XXXX 9. XXXX account number:XXXX  Date Opened:XXXX  10. XXXX XXXX XXXX inquired on XXXX 11. XXXX XXXX XXXX  inquired on XXXX 12. XXXX XXXX XXXX inquired on XX/XX/XXXX These accounts have resulted in several hard inquires and fraudulent collections appearing on my consumer FICO credit reports. I demand the aforementioned fraudulent items be removed from each of my consumer reports and cease all collection activity related to said items pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-02 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: CT

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-02 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I have repeatedly informed Equifax of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-02 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: NJ

Complaint narrative:
Its been incredibly upsetting to discover that Ive been a victim of identity theft. My personal information was misused, and as a result, unauthorized accounts and activity have appeared on my credit reportnone of which I recognize or had any involvement with. I took immediate action after speaking with Experian, including filing a report with the FTC and submitting it as instructed. I expected a swift resolution, but the fraudulent items are still there. This ongoing issue is frustrating and deeply concerning, especially considering the damage it could continue to cause to my credit and financial future.

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 2025-06-02 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Minimal information sent to wrong address for wrong amounts. Please see attachments.

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 2025-06-02 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Account number Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

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 2025-06-02 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Account number Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

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 2025-06-02 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC stated that XXXX XXXX XXXX  sold them 4 account under my name. The funny part there is another 3 companies that state the same, that XXXX XXXX XXXX  sold the the same accounts for the same Sum of Money. 

I already requested from XXXX XXXX the Bill of Sale that shows for how much an to who these 4 accounts has been sold together with all of my personal and federal information. 

XXXX XXXX is refusing to send me this Bill of Sale and is still reporting these 4 accounts on my credit report under XXXX XXXX name.

By now I will file a Lawsuit against XXXX  XXXX and LVNV FUNDING LLC for violating all of my consumer right and the bad use of my Personal, Private and Federal Information. 

Also LVNV FUNDING LLC has share all of my Information to others companies and has try to scam me and rip me off. 

I do not own XXXX XXXX XXXX  neither LVNV FUNDING LLC any sum of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX stated that XXXX XXXXXXXX XXXX  sold them 4 account under my name. The funny part there is another 3 companies that state the same, that XXXX XXXXXXXX XXXX sold the the same accounts for the same Sum of Money. 

I already requested from XXXX XXXX the Bill of Sale that shows for how much an to who these 4 accounts has been sold together with all of my personal and federal information. 

XXXX XXXX is refusing to send me this Bill of Sale and is still reporting these XXXX accounts on my credit report under XXXX XXXX name. 

By now I will file a Lawsuit against XXXX  XXXX and XXXX XXXX XXXX for violating all of my consumer right and the bad use of my Personal, Private and Federal Information. 

Also XXXX XXXX XXXX has share all of my Information to others companies and has try to scam me and rip me off. 

I do not own XXXXXXXX XXXX XXXX  neither XXXX XXXX XXXX any sum of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
b'Please remove all these items:-\n\nADDRESSES:XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXXIL XXXX XXXXXXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX XXXX XXXXINQUIRIES: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 XXXXI had not checked my Credit report in a long time. I went to the Bank and was informed of these items. I dont know who could have done this. This is identity theft and a nightmare.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK
State: CO

Complaint narrative:
They claimed I was late on my XXXX auto loan payment but I have shown them that I have made all payments on time which they agreed with. Mechanics bank transferred my loan to a different company in XXXX and all my info was transferred correctly with no interruption to payments, yet mechanics bank is claiming my account delinquent despite selling it to XXXX portfolio management. I called to complain but they provided no fix

Company response to consumer: Closed with explanation