vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: TN

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 XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-11 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-11 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 dispute the following items on my Experian credit report that appear to be inaccurate or unverifiable. 

XXXX. Charged-Off Account : XXXX XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$2800.00} I do not believe this account is being accurately reported. Please verify all account details with the original creditor and remove it if it can not be validated. 

XXXX. Inquiry : XXXX XXXX XXXXXXXX, XX/XX/XXXX I do not recall authorizing this inquiry. Please verify that it was initiated with my consent and meets the permissible purpose standards under the FCRA. If Experian can not confirm this, please delete it. 

XXXX. Late Payments : XXXX  XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX I believe the late payment reporting for these accounts may be inaccurate or misdated. Please conduct a full reinvestigation with each original creditor and remove any incorrect or unverifiable entries. 

I respectfully request confirmation in writing once the reinvestigation is complete.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
Rubin & Rothman LLC attempted to collect on a XXXX XXXX XXXX account that was already settled and paid. I issued a bank check for {$3700.00} on XX/XX/XXXX in accordance with XXXX  written settlement offer. The check included my maiden name and full XXXX account number in the memo line and was mailed directly to XXXX XXXX XXXX XXXX 

XXXX had possession of this payment through XXXX separate settlement deadlines ( XX/XX/XXXX and XX/XX/XXXX ) and failed to process it. Despite that, XXXX referred or sold the account to Rubin & Rothman, who sent me a collection letter dated XX/XX/XXXX demanding payment of {$6200.00}. 

The next day, XX/XX/XXXX, XXXX cashed my XX/XX/XXXX check proof that the debt had already been satisfied before Rubin & Rothman initiated collection. On XX/XX/XXXX, XXXX confirmed via secure message that the payment had been applied and backdated as effective XX/XX/XXXX. 

Rubin & Rothman therefore attempted to collect a debt that no longer existed, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), including false representation of the debts status ( 15 U.S.C. 1692e ( 2 ) ( A ) ) and unfair collection of an unauthorized amount ( 1692f ( 1 ) ).

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 2025-11-11 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-11 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:
The last 3- 4 Years My XXXX  sister credit information has been intercepted with mine causing Huge financial loss /Problems her name and social security is mixed up with mine. 

I have also experienced a denial of credit, lost a job, or can not get an apartment or housing due to being mixed with my twin on my credit report or background check,

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I was scammed out of {$990.00} through my Capital One account. I attempted to sell a few items on XXXX when I received an e-mail through their platform. The e-mail stated I needed to verify my bank account information that I linked to my XXXX profile. I verified my information, as I thought that the e-mail was legit. Once I verified my information, I noticed XXXX fraudulent charges for {$490.00} on my Capital One checking account. The charges stated " XXXX XXXX. '' I called Capital One immediately to dispute the charges and report fraud. I contacted the fraud department on XX/XX/XXXX at around XXXX XXXX. I also filed a police report ( XXXX ) and filed a report with the FTC ( report number : XXXX ). XXXX was also notified of the fraudulent e-mail. 

I cancelled my debit card through Capital One and opened another checking account to place my money in just in case my account was compromised. Despite my attempts to remedy the situation, Capital One rescinded the provisional credit that was issued to me and stated I willingly gave my information to the merchant. Per the rep I spoke to on XX/XX/year> at XXXX XXXX, I must have affiliated with this merchant before. This is not true. I demanded a re-opening of the case in which the results are pending. I forwarded documents including : the police/FTC report and screen shots of my call times with Capital one. 

Per Capital One policy, customers are not held responsible for unauthorized charges because of their {$0.00} liability for unauthorized charges. These " XXXX XXXX '' charges were unauthorized. I have no idea who this person/vendor is. I did not authorize for someone to steal money from me in {$490.00} installments. 

It seems as if Capital One is the only entity not on my side. The police took my information and sent a neighborhood alert to inform others that fraud had occurred. I do not believe Capital One is acting in good faith, and the institution has no intent to return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-11 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: MO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-11 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: CA

Complaint narrative:
I'm concerned about an unfamiliar inquiry appearing on my credit report. I did not authorize, apply to, or consent to this company accessing my information. Im genuinely trying to understand how and why this happened, as it has been causing me significant stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and provide inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My primary concerns are as follows : 1. Unauthorized Charge : Barclays initiated an unauthorized withdrawal of {$460.00} from my checking account without my consent. I did not authorize automatic payments, and I request that this charge be reversed and refunded immediately.

2. Hardship Program Access : I have requested to enroll in a hardship or payment assistance program directly through Barclays, not through a third-party or external company. I specifically want to work with Barclays internal hardship program to resolve my account responsibly. 

I recently received a denial letter from Barclays regarding my hardship request, but I am asking for a reconsideration and the opportunity to participate in Barclays own hardship program directly.

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 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
This is a debt from XXXX with XXXX XXXX I understand I owed them but they doubled the said amount owed so I refused. The first collection agency I understood but we are in XXXX and they keep selling my data with my social and everything to now the third or fourth company and I have told each company I am not paying it yet I am contacted every so often to pay it. Now that this is the third agency hounding me down for a debt I already let them know was more than owed and it was not going to be paid. I am a full time college student and was goaded into an account I couldnt afford in the first place.

Company response to consumer: Closed with explanation