vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-10 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: GA

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 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint to report multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) by credit reporting agencies and furnishers. Several previously disputed and deleted fraudulent accounts have been reinserted into my credit report without any legally required notification or verification.

Under FCRA, when a credit reporting agency reinserts deleted information : It must notify the consumer in writing within 5 business days of reinsertion, and It must include the name, address, and phone number of the furnisher who provided the reinserted data.

I received no such notification. These accounts have caused significant damage to my credit profile, despite my submission of a valid FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ). 



Reinserted Fraudulent Accounts : 1. XXXX XXXX  XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX 2. XXXX  XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fair Resolution Requested : 1. Immediate and permanent deletion of all three fraudulent accounts from Experian, Equifax, and TransUnion. 
2. Written confirmation from each credit bureau stating that the accounts will not be reinserted unless FCRA 611 reinsertion rules are fully met.

3. Enforcement of FCRA 605B to block all identity theftrelated data upon submission of my FTC Identity Theft Report. 
4. Investigation of XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for potential violation of FCRA 623 ( a ) ( 6 ) for furnishing information previously removed due to fraud.

5. Restoration of my credit report including correction of any derogatory marks tied to these accounts.

6. Regulatory oversight and enforcement action by the CFPB to prevent future reinsertion violations.

I respectfully ask for your urgent review and action on this complaint. I trust that the CFPB will take steps to uphold federal consumer protections and correct the harm caused to me. 

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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing a false late payment reported by Capital One on my credit report for XX/XX/year>. My account was current, and I had auto-pay active. I never received any warning, alert, or documentation showing I missed a payment. When I previously contacted Capital One, they acknowledged the payment was received yet XXXX  still reported it as late. 

This is a clear error and a violation of the FCRA, which requires furnishers and XXXX  to provide accurate, verifiable data. Neither party has produced proof of a legitimate delinquency, and I was never notified of any problem before it appeared on my report. 

This incorrect mark is unfairly damaging my credit and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charged-Off Account Account Number ending XXXX  To Whom It May Concern, I am writing to formally contest the characterization of the amount of {$68.00} associated with Account Number XXXX, which has been marked as " charged off '' and remains inaccurately represented in my credit report. As a consumer, I have the inalienable right to dispute any such inaccuracies, as enshrined in the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), it is incumbent upon you to ensure the veracity of information relayed to credit reporting entities. Thus, I request that you conduct a meticulous review of the aforementioned account and provide all pertinent documents demonstrating the factual accuracy of the reported charge-off status.

Should you fail to provide sufficient verification of this debt within the prescribed timeframe, I will expect a prompt rectification of the inaccurate report on my credit profile to bring it into compliance with statutory obligations. Your adherence to such legal protocols is not only expected but imperative in maintaining the integrity of the credit reporting process.

Thank you for your immediate attention to this critical matter. I look forward to your prompt and comprehensive response. 

Sincerely, XXXX XXXX " `

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: DE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date Of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint to report multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) by credit reporting agencies and furnishers. Several previously disputed and deleted fraudulent accounts have been reinserted into my credit report without any legally required notification or verification.

Under FCRA, when a credit reporting agency reinserts deleted information : It must notify the consumer in writing within 5 business days of reinsertion, and It must include the name, address, and phone number of the furnisher who provided the reinserted data.

I received no such notification. These accounts have caused significant damage to my credit profile, despite my submission of a valid FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ). 



Reinserted Fraudulent Accounts : 1. XXXX XXXX  XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX 2. XXXX  XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fair Resolution Requested : 1. Immediate and permanent deletion of all three fraudulent accounts from Experian, Equifax, and TransUnion. 
2. Written confirmation from each credit bureau stating that the accounts will not be reinserted unless FCRA 611 reinsertion rules are fully met.

3. Enforcement of FCRA 605B to block all identity theftrelated data upon submission of my FTC Identity Theft Report. 
4. Investigation of XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for potential violation of FCRA 623 ( a ) ( 6 ) for furnishing information previously removed due to fraud.

5. Restoration of my credit report including correction of any derogatory marks tied to these accounts.

6. Regulatory oversight and enforcement action by the CFPB to prevent future reinsertion violations.

I respectfully ask for your urgent review and action on this complaint. I trust that the CFPB will take steps to uphold federal consumer protections and correct the harm caused to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint to report multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) by credit reporting agencies and furnishers. Several previously disputed and deleted fraudulent accounts have been reinserted into my credit report without any legally required notification or verification.

Under FCRA, when a credit reporting agency reinserts deleted information : It must notify the consumer in writing within 5 business days of reinsertion, and It must include the name, address, and phone number of the furnisher who provided the reinserted data.

I received no such notification. These accounts have caused significant damage to my credit profile, despite my submission of a valid FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ). 



Reinserted Fraudulent Accounts : 1. XXXX XXXX  XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX 2. XXXX  XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Fair Resolution Requested : 1. Immediate and permanent deletion of all three fraudulent accounts from Experian, Equifax, and TransUnion. 
2. Written confirmation from each credit bureau stating that the accounts will not be reinserted unless FCRA 611 reinsertion rules are fully met.

3. Enforcement of FCRA 605B to block all identity theftrelated data upon submission of my FTC Identity Theft Report. 
4. Investigation of XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for potential violation of FCRA 623 ( a ) ( 6 ) for furnishing information previously removed due to fraud.

5. Restoration of my credit report including correction of any derogatory marks tied to these accounts.

6. Regulatory oversight and enforcement action by the CFPB to prevent future reinsertion violations.

I respectfully ask for your urgent review and action on this complaint. I trust that the CFPB will take steps to uphold federal consumer protections and correct the harm caused to me. 

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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: NV

Complaint narrative:
I am disputing a collection account listed by National Business Factor for {$260.00}. I believe this account is inaccurate and unverifiable. I did not receive proper documentation or validation of this debt, and it does not appear to belong to me. I submitted disputes to the credit bureaus and attempted to have the account verified. Under the Fair Credit Reporting Act ( FCRA ), if the debt can not be fully verified, it should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
XXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX RE : XXXX  Block Request Attn Equifax, I am a victim of Trafficking, The information listed below, which appears on my credit report, is the result of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within 4 business days, pursuant to section 60SC of Fair Credit Reporting Act Please send me notification of the actions taken, I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-07-10 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: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date Of Birth XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CL Holdings LLC
State: DE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date Of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
CREDIT CORP SOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CORP SOLUTIONS 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