vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security Number : XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following account must be removed immediately : XXXX Opened Date XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA reversed a {$500.00} credit they issued after I disputed a fraudulent ATM withdrawal on XX/XX/year>. I never made or authorized this transaction. 

They claimed the charge was authorized but never showed any evidence, such as PIN use, camera footage, or transaction logs. They gave no detailed explanation or documentation, which violates Regulation E.

Im requesting a reinvestigation, documentation of their findings, and the immediate return of my {$500.00}. This was a fraudulent transaction, and their handling of my case has been incomplete and unfair.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One closed my credit card account without warning, flagged it for fraud, and refused to provide documentation, investigation details, or allow me to appeal the decision. I had a balance that I paid in full using my verified bank account. That payment cleared without being returned. Despite that, Capital One flagged the account for fraud and closed it permanently. No one contacted me for verification before the closure, and I received no prior notification or opportunity to resolve anything. I spoke with the Executive Resolution Department, but they were dismissive and refused to reinstate the account or even provide a case number or documentation related to their decision. When I asked for the fraud details or the rationale for the closure, I was told theres nothing we can do effectively denying me access to any form of due process. There was no actual fraud committed. I made a good-faith payment, and my account should not have been flagged or closed this way. Capital One is now reporting the account as closed by the grantor, damaging my credit, and refuses to reflect it as closed at consumers request even though Ive requested it.

This account closure is now negatively affecting my credit utilization and score, and Capital Ones refusal to provide transparency or resolution is unfair and harmful.

Im requesting that Capital One either : 1. Reopen the account now that the payment is settled and no fraud occurred, or 2. Accurately report the closure to credit bureaus as closed at consumers request to prevent additional credit damage. 

CARDS : ending in XXXX and XXXX Agents spoken with : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Hello. 
There is aXXXX  XXXX  listed on my credit report that I have not used for many years. It appears someone has been using it because there is an almost {$7000.00} balance due on it. It appears someone else is using it and paying the bill but keeping the balance high, but it is on my credit score. Although the account has been closed according to last report, I would like more information as to what was going on. I also do not know if it has been taken off my Experian credit report or not at this point. that large credit card debt is affecting my score and is not even my purchases!

Thank you.

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 2025-07-25 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: CO

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 non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX  and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$540.00}

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 explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I sent a debt validation request to Credence Resource Management on XX/XX/year>2025, regarding an alleged XXXX XXXX debt. I requested : The name and address of the original creditor A full breakdown of the amount owed Documentation showing I am legally obligated to pay A copy of any applicable court judgment Credence replied on XX/XX/year>2025, stating they would mail the documents unless I consented to electronic delivery. On XX/XX/scrub> 2025, I replied and gave consent for electronic delivery. 

Later that day, they sent an encrypted file but stated the password was the first five digits of my XXXX XXXX account number information I do not have access to, as XXXX has confirmed there is no account in my name. I could not open or view the attachment, and therefore still have not received proper validation. 

I responded again on XX/XX/scrub> 2025, explaining I could not access the file and formally disputed the validity of the debt. I reiterated my request for full validation, including documents proving the debt exists and that I am legally responsible for it. 

Credence responded on XX/XX/year>2025, stating they marked the account as disputed but they have not provided any of the required validation documentation. As of XX/XX/year>2025, I still have not received proper verification. 

I believe Credence has violated the Fair Debt Collection Practices Act ( FDCPA ) and Texas Finance Code 392.202 by failing to provide full debt validation after my request and continuing to treat the debt as valid without evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
Subject : Objection to Companys Request for Additional 60 Days Complaint # [ Insert CFPB Complaint Number ] Dear CFPB Representative, I am writing to formally object to the companys request for an additional 60 days to respond to my complaint. The issue in question has already caused significant harm to my credit and financial standing, and I believe the company has had sufficient time and access to information to respond within the standard timeframe. 

Allowing further delay may not serve the interest of fairness or accountability, especially considering : The facts of the complaint are straightforward and well-documented. 
The company has not made a good faith effort to resolve the issue or provide meaningful updates. 
I am continuing to experience negative consequences as a result of this unresolved matter. 

I respectfully request that the CFPB require the company to adhere to the original timeline and provide a complete and verified response without further delay. 

Thank you for your time and continued assistance in holding financial institutions accountable.

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 2025-07-25 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: NY

Complaint narrative:
Subject : Objection to Companys Request for Additional 60 Days Complaint # [ Insert CFPB Complaint Number ] Dear CFPB Representative, I am writing to formally object to the companys request for an additional 60 days to respond to my complaint. The issue in question has already caused significant harm to my credit and financial standing, and I believe the company has had sufficient time and access to information to respond within the standard timeframe.

Allowing further delay may not serve the interest of fairness or accountability, especially considering : The facts of the complaint are straightforward and well-documented.

The company has not made a good faith effort to resolve the issue or provide meaningful updates.

I am continuing to experience negative consequences as a result of this unresolved matter.

I respectfully request that the CFPB require the company to adhere to the original timeline and provide a complete and verified response without further delay.

Thank you for your time and continued assistance in holding financial institutions accountable.

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 2025-07-25 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: NY

Complaint narrative:
Subject : Objection to Companys Request for Additional 60 Days Complaint # [ Insert CFPB Complaint Number ] Dear CFPB Representative, I am writing to formally object to the companys request for an additional 60 days to respond to my complaint. The issue in question has already caused significant harm to my credit and financial standing, and I believe the company has had sufficient time and access to information to respond within the standard timeframe.

Allowing further delay may not serve the interest of fairness or accountability, especially considering : The facts of the complaint are straightforward and well-documented.

The company has not made a good faith effort to resolve the issue or provide meaningful updates.

I am continuing to experience negative consequences as a result of this unresolved matter.

I respectfully request that the CFPB require the company to adhere to the original timeline and provide a complete and verified response without further delay.

Thank you for your time and continued assistance in holding financial institutions accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am formally requesting the reinstatement of a deleted account that previously appeared on my credit report. The accounts had a history of on-time payments and was in good standing prior to its removal. I believe it may have been removed due to a dispute or in error. As the account reflects responsible credit usage and positively impacts my credit profile, I respectfully request that it be reinstated. 

If the deletion was the result of a previous dispute, I would like to rescind that dispute and ask that the account be re-added to my report in its original form. I am prepared to provide any supporting documentation necessary to assist in this process. 

Please confirm receipt of this letter and notify me of any additional steps I must take. 
I appreciate your time and prompt attention to 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 2025-07-25 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: CA

Complaint narrative:
I have opened complaints on all these credit bureaus again. I did this last year after fraud and previously in XXXX due to fraud. I have been a victim of identitly theft through a computer hack on my laptop stealing all my information, social security etc. 
Also my information was leaked through Euifax leak and through an XXXX XXXX XXXX leak- both of which I am in a class action law-suit for. 
There are Fraudulalent loans, fraudulent inquiries, collections, fraudulent unemployment filed in my name, cyber attacks stealing crypto money from me equal to {$2500.00}, fraudulent clones of my debit cards in XXXX  XXXX XXXX stealing money from ATMS from me in the amount of {$1000.00} 's at a time, etc. 

ALL Information regarding collections, charge offs, car loans and inquiries need to be wiped from all my credit reports. I have requested this many many times. I have sent letters through registered mail to all credit bureas with documents and they still will not comply. I request these negative items be removed from my reports immediately. 

I have attempted to contact these companies and can not get through to speak to anyone. I have attempted online disputes that do not allow me to file online. 

For some reason, the system is rigged for criminals to take what they want, but not easy for hard working citizens to fix these attacks. This is a clear violation of my rights as a natural born U.S. Citizen. I demand reparations and correction to these matters immediately!! 

XXXX XXXX XXXX XXXX reporting Incorrect information on your report TransUnion XX/XX/XXXX Open Company response is in progress as of XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Incorrect information on your report EQUIFAX XX/XX/XXXX Open Company response is in progress as of XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Incorrect information on your report EXPERIAN XX/XX/XXXX Open Company response is in progress as XXXX XX/XX/XXXX False collections : XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$670.00} Closed Accounts : XXXX - {$20000.00} XXXX - {$24000.00} 13 inquiries : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I have opened complaints on all these credit bureaus again. I did this last year after fraud and previously in XXXX due to fraud. I have been a victim of identitly theft through a computer hack on my laptop stealing all my information, social security etc. 
Also my information was leaked through Euifax leak and through an XXXX XXXX XXXX leak- both of which I am in a class action law-suit for. 
There are Fraudulalent loans, fraudulent inquiries, collections, fraudulent unemployment filed in my name, cyber attacks stealing crypto money from me equal to {$2500.00}, fraudulent clones of my debit cards in XXXX  XXXX XXXX stealing money from ATMS from me in the amount of {$1000.00} 's at a time, etc. 

ALL Information regarding collections, charge offs, car loans and inquiries need to be wiped from all my credit reports. I have requested this many many times. I have sent letters through registered mail to all credit bureas with documents and they still will not comply. I request these negative items be removed from my reports immediately. 

I have attempted to contact these companies and can not get through to speak to anyone. I have attempted online disputes that do not allow me to file online. 

For some reason, the system is rigged for criminals to take what they want, but not easy for hard working citizens to fix these attacks. This is a clear violation of my rights as a natural born U.S. Citizen. I demand reparations and correction to these matters immediately!! 

XXXX XXXX XXXX XXXX reporting Incorrect information on your report TransUnion XX/XX/XXXX Open Company response is in progress as of XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Incorrect information on your report EQUIFAX XX/XX/XXXX Open Company response is in progress as of XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Incorrect information on your report EXPERIAN XX/XX/XXXX Open Company response is in progress as XXXX XX/XX/XXXX False collections : XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$670.00} Closed Accounts : XXXX - {$20000.00} XXXX - {$24000.00} 13 inquiries : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief