vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
The identified transactions are not information related to any transaction completed by me as a consumer : XXXX XXXX XXXX ( XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
The inquiries listed below were made without my knowledge or consent and are the result of identity theft. I have submitted an FTC Identity Theft Report along with supporting documentation to both the credit reporting agencies and the companies that made these inquiries. To date, no party has provided any authorization or evidence showing that I approved these inquiries. This failure to comply constitutes a violation of the Fair Credit Reporting Act. I would highly appreciate it if you could remove these items from reporting immediately. Failure to comply with this request should result in the immediate deletion of the items in question.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
I submitted a written debt validation request to Credit Corp Solutions on XX/XX/year>, regarding a debt they claim I owe to XXXX XXXX  ( XXXX  ), account number ending in XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide validation, including the name and address of the original creditor, a breakdown of the debt amount, and documentation proving I am responsible for the debt. 

Instead of providing proper validation, they sent a letter dated XX/XX/year> dismissing my request as a " duplicate dispute '' and demanding that I provide a police report, an FTC identity theft report, or their internal affidavit. This shifts the burden of proof onto me, which violates the FDCPA. 

They have not provided : A signed contract or account application Itemized breakdown of the debt Proof they are authorized to collect on behalf of the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I submitted an application on XX/XX/XXXX for school misconduct discharge for my private loans for attending the XXXX XXXX of XXXX. My account number is account # XXXX. I requested the discharge for the loan balance of XXXX I documented many instances of misconduct as well as the documents showing the school lost its ability to stay open due to misconduct. On XX/XX/XXXX I was denied the application and my servicer Mohela said over the phone on two occasions that there was no specific reason for the denial. I appealed the decision and documented instances of personal harm. I was denied the appeal and asked the rep at Mohela who works for the advocacy group at Mohela for borrowers the reason of the denial I was then told again at the end of XX/XX/XXXX over the phone that there was No specific reason for the denial decision. I provided the department of education information on the art institute of execution which cited the executive order to discharge the federal loans due to misconduct of the art institute. I informed the Mohela representative that due to the law it is illegal to distribute loans that are issued to schools who have been proven to be guilty of misconduct. 

When I asked again about this in XXXX they repeated the same thing and told me to try and apply again. I want the reason of the denial to properly provide the needed documentation. I had submitted sufficient evidence and documentation for the application and felt it was unjust and unfair to be given a answer for the denial from Mohela that there was no specific reason for the denial of my discharge application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint about Capital One holding {$290.00} for a cancelled XXXX order ( Order XXXX XXXX ) that was cancelled on XX/XX/year>. 

XXXX confirmed that no funds were captured and only an authorization hold was placed. Despite this, Capital One refuses to release the hold unless my account balance reaches {$320.00} or higher, which is arbitrary and inconsistent with standard credit card practices.

I have contacted Capital One multiple times requesting that they release the authorization hold or initiate a dispute for this transaction. Each time, they failed to resolve it. This situation is preventing me from accessing my available credit and causing unnecessary financial inconvenience.

I am requesting CFPBs assistance in having Capital One immediately release the authorization hold of {$290.00} and restore my available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am challenging late payment entries reported by XXXX XXXX on my credit file. 

Upon reviewing my credit report, I found one or more late payment entries for the above-referenced account, which are marked as verified but were never validated or properly investigated by XXXX XXXX XXXX in violation of 15 U.S. Code 1666b. Under this law, a creditor is not permitted to treat a payment as late if it was received within the time specified by the creditor ( at least 21 days after it was mailed or delivered ). Moreover, any delinquency must be accurate, complete, and verifiable under the FCRA ( 15 U.S.C. 1681i ).

I am requesting the following : Reinvestigation of the reported late payments associated with XXXX XXXX. 
Verification of these entries with complete supporting documentation from the creditor.

Immediate removal of any unverifiable or inaccurate late payment entries, as required by law.Please consider this letter as a formal dispute. I request that the entry be investigated within the statutory 30-day period. If XXXX XXXX can not provide written proof that the late payments are accurate and legally reportable, these entries must be removed. 

Attached are copies of my identification and a current utility bill for verification purposes. I have also included a copy of the relevant portion of my credit report with the disputed items highlighted. 

Please confirm in writing that you have received this dispute and inform me of the results of your reinvestigation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 writing to dispute the presence of fraudulent accounts currently reflected on my credit report. I did not open, authorize, or have any involvement with the accounts in question, and they are not valid representations of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-09 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: OR

Complaint narrative:
This letter is to formally notify you that my credit report contains fraudulent accounts resulting from identity theft. I did not open or authorize these accounts, nor am I responsible for any associated balances or activity.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am concerned this debt seems to be passed around to so many companies I have just been contacted by XXXX other companies reporting they have the debt. I have no idea who to trust with this debt the original creditor told me someone else had the debt last week now a new company is contacting me after I just requested debt validation from another company. I feel like LVNV FUNDING LLC needs to provide me with an updated account for who actually has this account I do not appreciate them just giving out my information to XXXX companies for each a different XXXX to contact me every other day. I want XXXX company to communicate with. So I can arrange to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This is not my debt, I am not the owner of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have now filed XXXX ( XXXX ) reconsideration letters regarding my XXXX ( XXXX ) claims I filed with Bank of America regarding my disputes. My EDD card was sent to the wrong address, which Bank of America acknowledges, and the first XXXX denials were given because their " research department '' somehow found that I was the one who made the transactions, which is not the case, and because the card was activated using my credentials, which obviously means that another individual that was however in possession of said credentials went and activated it and spend all the money without my knowledge, authorization or permission of any kind. Now, on the third denial they claim that it was denied because they found that the transactions were made by me " or someone you know. '' How does that validate their denial by adding " or someone you know? '' Well, now they are asking for new information on the next letter or they threaten that my case will not be reinvestigated. Here is some new information for them then : I have made it perfectly clear that the transactions being disputed were not made or authorized by me, the card owner, and still, ( * new information ahead * ) even if the transactions were made by " someone I know '' that doesn't mean that I authorized said transactions! I DID NOT GIVE ANYONE PERMISSION OR AUTHORIZATION TO ACTIVATE AND USE THE CARD ON MY BEHALF OR OTHERWISE. To reiterate, THE FACT OF THE MATTER IS THAT NOT A SINGLE TRANSACTION BEING DISPUTED WAS AUTHORIZED BY ME, THE CARD OWNER, WHETHER I KNEW THE PERSON OR NOT IS COMPLETELY IRRELEVANT, which still qualifies me for full reimbursement. No matter how many times I stress to them that I did not authorize the activation or the subsequent use of the card or any amount of money on the card for anyone they continue to insist that I am being untruthul or that I gave someone else permission to make transactions on the card being disputed, even though I never even received the card in the first place! It makes absolutely no sense! Please think again, BofA!!

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 2025-07-09 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 a victim of identity theft there were some address, credit card accounts, cell phone accounts open in my name that I did not authorized & would like this removed from all XXXX of my credit reports Date open XX/XX/XXXX XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX  XXXX balance XXXX Date open XX/XX/XXXX XXXX XXXX balance 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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief