vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
XXXX   Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX   Account # XXXX XXXX  Account # XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX   Account # XXXX XXXX XXXX XXXXI  also noticed that the account number is not complete there are a bunch of asterisks in place. I also noticed that the first date of delinquency is not present but it is in other bureaus and theyre all different actual dates. Please correct this information as it must be accurate fair and complete FCRA SECTION 609.\n\nAlso, lvnv needs to be deleted, as I went to court for this, and the courts decision was in my favor as XXXX XXXX was not able to prove the burden of proof, also the accounts listed above,, , have been aged they are still reporting these accounts as late and or delinquent, that is against the law these are hurting my credit they, I want to know how these were verified who they spoke to when they spoke to them the date time the persons name who that person spoke to, that these were verified, it is my right to request this information and I have yet to receive anything as far as these accounts being verified I just keep getting credit reports from experian saying that they were verified, which is total shit. yet it was not followed by any information so Im requesting who they spoke to when they spoke to them, the date, the time, names . If they provide this information, I am requesting this information be deleted from my Credit Report.this is 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 2025-08-18 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: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, ACT ACCOUNT # XXXX, VIOLATED MY RIGHTS. F 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-08-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Sir/Madam , I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit limit XXXX I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy.

I appreciate your time and consideration in this matter and look forward to receiving a positive response Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
TO WHOM THIS MAY CONCERN, THESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. THIS Has been affecting my health and my mental well-being. I have no knowledge of this account. Please remove and once thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been unable to view my credit report or score for XXXX weeks. I have reached out to customer service via chat and over the phone, each time I am told different reasons why I can not view the report and that the issue has been resolved and to try to access the report again in XXXX hours. 
I have tried this for XXXX  days and still CAN NOT view my credit report or scores through Transunion or Equifax. I continuously receive alerts that my score is decreasing but can not access the reports to view my credit report. 
This issue is particularly urgent to me since I have spent the past XXXX  months dealing with fraudulent accounts and working tirelessly to get them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TN

Complaint narrative:
Personal Statement Regarding Fraudulent Inquiries I, XXXX XXXX, am submitting this statement in connection with my Identity Theft Report. I am a victim of identity theft, and I did not apply for or authorize the following credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and are the direct result of fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am exercising my right to block and remove information resulting from identity theft. This law requires consumer reporting agencies to permanently block fraudulent information from my credit file once they receive : Proof of identity, A copy of my identity theft report, and My written statement disputing the fraudulent information. 
Additionally, under XXXX XXXX. XXXX, credit inquiries must have a permissible purpose. Because I did not authorize or initiate these transactions, these companies had no permissible purpose to access my credit file. 
Therefore, I am demanding that all XXXX of the above-listed inquiries be immediately deleted from my credit report. Their continued presence is inaccurate and violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: TN

Complaint narrative:
Personal Statement Regarding Fraudulent Inquiries I, XXXX XXXX, am submitting this statement in connection with my Identity Theft Report. I am a victim of identity theft, and I did not apply for or authorize the following credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and are the direct result of fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am exercising my right to block and remove information resulting from identity theft. This law requires consumer reporting agencies to permanently block fraudulent information from my credit file once they receive : Proof of identity, A copy of my identity theft report, and My written statement disputing the fraudulent information. 
Additionally, under XXXX XXXX. XXXX, credit inquiries must have a permissible purpose. Because I did not authorize or initiate these transactions, these companies had no permissible purpose to access my credit file. 
Therefore, I am demanding that all XXXX of the above-listed inquiries be immediately deleted from my credit report. Their continued presence is inaccurate and violates my rights under the FCRA.

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
While I was in the XXXX  getting XXXX for a XXXX  that occurred in XXXX of XXXX my phone was loss or stolen I was without my phone from XXXX until XXXX when I came home from the XXXX  in fact I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwhen I came home and was able to used another phone that I had that is the same type of phone as my original phone I transferred all my information to that phone only to find out that all my bank accounts, emails, and credit cards has been used without my authorization even my name, social and other important things. But anyways money was unauthorized and used for XXXX XXXX, XXXX XXXX and other unauthorized activities through my Chime account using different virtual cards. Though I had my physical cards my virtual cards was compromised and Chime and XXXX refuse to give me back my money please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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 submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Consumer Complaint XXXXgainst : Capital One, N.A. 

Summary of Complaint : On XX/XX/year>, I received a letter from Capital One stating that XXXX or more of my Capital One accounts had recently charged off and that I had too many delinquent Capital One obligations. The letter also referenced Request ID : XXXX. 

I must dispute this information because : I do not have, nor have I ever had, a Capital One account that was charged off. 

I was previously exposed in a national data breach and have been a documented victim of identity theft. It appears Capital One may have inaccurate or fraudulent account information associated with my name and Social Security number. 

This communication is deeply concerning because it suggests Capital One has either failed to validate its records properly or is attributing fraudulent activity to me.

Violations and Legal Concerns : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or fraudulent information and require that creditors investigate.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to validation of any alleged debt before it can be collected or reported.

If Capital One has reported this alleged charge-off to the credit bureaus, this would constitute the furnishing of inaccurate information, which is prohibited by FCRA 623 ( a ) ( 1 ).

What I Am Requesting from the CFPB : Require Capital One to fully validate any alleged account they claim belongs to me, including signed account documentation, account numbers, and itemized payment history.

If Capital One can not validate the alleged debt, require them to cease reporting or collecting on it immediately and correct/delete any inaccurate tradelines from the credit bureaus.

Ensure Capital One implements proper identity theft protocols in compliance with the FCRA, including blocking fraudulent accounts under FCRA 605B when provided with an identity theft report.

Supporting Documentation : Copy of the Capital One letter dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-08-18 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:
The three top credit bureaus are reporting identity theft accounts on My credit report. The following accounts have been reporting identity theft data. I have been incarcerated and clearly I could not have made these charges. Here are the accounts listed Number XXXX Number XXXX Number XXXX Number XXXX Number 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The three top credit bureaus are reporting identity theft accounts on My credit report. The following accounts have been reporting identity theft data. I have been incarcerated and clearly I could not have made these charges. Here are the accounts listed Number XXXX Number XXXX Number XXXX Number XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Charge-Off Request for Investigation Dear Sir or Madam, I am writing to dispute the accuracy of the following information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Reported Item : Charge-Off This account is being inaccurately reported as a charge-off. I am requesting that the credit bureau investigate this matter and verify the accuracy and validity of the account under the FCRA. 

If the furnisher of this information can not provide proper documentation, including the original signed agreement and full payment history, this charge-off entry must be corrected or removed from my credit report. 

Please provide me with written confirmation of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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 filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: CO

Complaint narrative:
I am submitting this formal complaint against Transunion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Transunion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which the banks confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Transunion 's refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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