vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am filing a formal complaint against Experian for failure to correct multiple inaccurate name variations on my credit report. My legal name is XXXX XXXX XXXX. However, Experian has listed the following incorrect and unauthorized names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( if not legally full name ) I called Experian and was told that I needed to contact the creditors allegedly responsible for reporting these names, yet Experian failed to identify who these creditors are, and did not provide documentation of the origin of the name errors. This is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to ensure all information on a consumer 's report is accurate and verifiable. If Experian can not validate which creditors reported these names, they must be deleted immediately.

I have submitted proper identification showing my correct name and address. Experians refusal to act is a clear violation of 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 2025-07-18 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C.
State: NJ

Complaint narrative:
A firm named XXXX XXXX XXXX continuously is XXXX  me and my sister regarding a car accident. They are claiming that I hit a tree with my car and caused property damage, that is not the case. I've never been involved in an accident with a tree in my life, a fact that I've tried to communicate with them multiple times. This all started when I was involved in an auto accident on XXXX in XXXX XXXX XXXX NJ XXXX I was driving my cousin 's vehicle and I was rear ended. The other driver immediately confessed that it was her fault at the scene of the accident and the matter was sorted very quickly. My cousin 's car was fixed, insurance closed out the claim, and the other driver 's insurance was good about it as well. Now XXXX started calling both myself and my cousin claiming I was in a car accident with a car and caused property damage. I've asked them multiple times to look into their information again and they don't care. They have sent letters to my house and my cousin 's house as well demanding {$8000.00} and asking how we are going to settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CBC Companies, Inc.
State: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: ME

Complaint narrative:
On XX/XX/year>XXXX  I was approached on the sidewalk by a sales associate employed by XXXX XXXX XXXX XXXX and offered a demonstration/sample of its products. I was looking for a birthday gift, so I agreed to the demonstration. I made clear the purchase was intended as a gift and no mention of a no return policy was made. To the contrary, a placard at point of sale stated all returns must be made within 15 days and it made no mention of " store credit only '' policy. Further, I was supposed to have received a purchase receipt via email but never did. I did however receive purchase advisories at the time of purchase from Capital One. The XXXX items were rung up separately, XXXX in the amount of {$5000.00} and XXXX in the amount of {$1600.00}. 

Upon determining the gift idea was not likely to achieve the desired effect I immediately sought to return the merchandise. As more fully described in correspondence dated XX/XX/year>, directed to Capital One, I had difficulty locating the physical address of the retail location after contacting XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I then contacted the XXXX XXXX Police Department ( XXXX ) and was informed by the dispatcher that XXXX was aware of the merchant due to several similar complaints of what it termed " pop up '' locations. I was referred to officers XXXXXXXX XXXX XXXXXXXX who suggested I contact my credit card company and file complaints with the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXXXXXX Florida, all of which I did on or about XX/XX/XXXX. 

The merchandise was returned to the merchant on XX/XX/year>, three days after purchase in the same packaging as when the items left the store. The merchant refused delivery, and the merchandise was returned to sender. 

Subsequently I have shared with Capital One correspondence sent to the merchant ( return letter and subsequent refund demand ), neither of which have been answered by the merchant. Initially Capital One posted credits to my account and request additional information, all of which was provided to the best of my ability. Capital One then denied the refund request citing insufficient information without identifying what information in my submissions was deficient and some excuse about not timely making a claim ( which appears spurious ). 

Despite repeated attempts to resolve this matter with the merchant and Capital One I have been unsuccessful. According to Officers XXXX XXXX XXXXXXXX these scams only exist because credit cards provide the oxygen for them to thrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My TransUnion credit report contains multiple inaccuracies, including incorrect address history, name variations, and an incomplete date of birth. 
1. Two false addresses are listed that I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX. My current address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX is partially correct but previously appeared as XXXX XXXX  ( missing the XXXX ) this must be corrected XXXX XXXX. 
3. My legal name is XXXX XXXX XXXX, but it appears as both XXXX XXXX ( missing my middle name ) and XXXX XXXX ( misspelled, missing the second XXXX  ). 
4. My date of birth is incomplete or incorrect. It should be XX/XX/year>, but previously appeared only as XXXXI have lived at the XXXX address for the past 8 years. The errors are impacting the accuracy of my credit profile and identity verification.

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-07-18 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: MI

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 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 2025-07-18 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: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
I am formally requesting the removal of inaccurate late payments reported by Carrington Mortgage for XX/XX/XXXX and XX/XX/XXXX, when my VA mortgage was in approved, active forbearance and no payment was due. 

I recently submitted a certified dispute directly to Carrington Mortgage, including : Official forbearance agreements Monthly mortgage statements showing no amount due during the reported months Documentation reflecting active forbearance status during XX/XX/XXXX and XX/XX/XXXX Despite this, Carrington reported my account as 30 days late to all three credit bureaus, in violation of : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Prohibits reporting inaccurate information FCRA 1681i ( a ) ( 5 ) ( A ) Requires deletion of information if not verified properly XXXX XXXX Credit Reporting Guidelines State that accounts in forbearance with no payment due should not be reported as late or delinquent I respectfully request the CFPBs assistance in resolving this matter quickly and in accordance with applicable law. Carrington Mortgage has also previously been fined $ XXXX by the CFPB for similar reporting violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ). 
Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
2. XXXXXXXX XXXX XXXX XXXXXXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
6. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

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 2025-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
This debt is not mine to it to be removed off credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-18 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$12000.00}

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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