vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing several unauthorized and fraudulent credit inquiries that were reported on my TransUnion credit file. These inquiries were not initiated, authorized, or approved by me in any way. Specifically, the following companies appear as hard inquiries without my consent : XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX I did not apply for credit with these entities, nor did I provide permission for them to access my credit report. These inquiries are fraudulent and have negatively affected my credit score and overall creditworthiness.

I have uploaded and included my official FTC Identity Theft Report along with this complaint. I am requesting that a copy of my report and supporting documents be sent directly to TransUnion so they can take immediate action to remove these fraudulent inquiries from my credit file in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MN

Complaint narrative:
Dear CFPB, I am filing this complaint regarding EXPERIAN. They have reported and verified collection accounts on my credit report without providing any signed contracts or documentation proving that I am legally responsible for these debts.

When I disputed these accounts, EXPERIAN responded by stating that the accounts were verified. However, they did not provide any evidence such as signed agreements or contracts that would confirm my liability. By doing so, EXPERIAN has failed to meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Simply confirming the furnishers claim without requiring supporting documentation does not satisfy this standard.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requires deletion of disputed information that can not be verified. Since no proof has been provided, these collections/incorrect addresses remain unverified and must be removed.

FCRA 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy of consumer reports. Continuing to report accounts that can not be substantiated violates this requirement.

I believe EXPERIAN is willfully noncompliant with the law by refusing to remove inaccurate, unverified accounts. I am requesting that the CFPB investigate these violations and require EXPERIAN to : Delete the disputed collection accounts from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my account since XXXX refuses to remove, reporting every month most recent XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reporting inaccurate addresses that have been disputed several times : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Provide written confirmation of the deletions.

Ensure compliance with the FCRA going forward by not reporting unverifiable information.

Next step will be legal action Thank you for your 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 explanation
Consumer complaint received 2025-08-28 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.

Complaint narrative:
The investigation left several inaccuracies on my credit report

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Mitigation Services, LLC
State: IN

Complaint narrative:
I am submitting this complaint regarding a debt collector who has been leaving voicemails with my family members in an attempt to locate me. These contacts are unnecessary, invasive, and in violation of the Fair Debt Collection Practices Act ( FDCPA ).

The collector has repeatedly contacted third parties and left messages that reveal they are attempting to collect a debt. This conduct goes beyond the limited scope allowed under the FDCPA, which only permits a collector to contact third parties to obtain location information without disclosing details of the debt.

Details of the violation : Collection Agency : Revenue Reporting Collectors Phone Number ( s ) : XXXX, but they leave a different number to call Dates and Times of Calls : XX/XX/XXXX, XXXX, XXXX, XXXX, varying times Third Parties Contacted : Friends, Family, Ex-Family members Content of Voicemails : XXXX XXXX with revenue reporting, trying to locate XXXX XXXX regarding the paperwork that requires my immediate attention.

These actions have caused significant embarrassment and stress, and I am requesting that the CFPB review this matter and take action to ensure compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SUBJECT : FORMAL DEMAND FOR IMMEDIATE DELETION OF INACCURATE INFORMATION AND NOTICE OF CONTINUED VIOLATION OF THE FCRA Reference CFPB Complaint Number : XXXX Account in Violation : XXXX XXXX XXXX Account # XXXX This letter serves as a formal notice of your continued violation of the Fair Credit Reporting Act ( FCRA ) and a demand for immediate corrective action. On XX/XX/scrub> 2025, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Case Number XXXX, regarding the inaccurate and unlawful reporting of the above-referenced collection account. To date, a substantive response has not been provided, and the derogatory item remains on my credit profile, causing ongoing material damage. 

Your failure to act is a direct contravention of your legal obligations. Specifically : 1. Violation of Reinvestigation Requirement ( 15 U.S.C. 1681i ) : I have previously submitted formal disputes and supporting documentation, including identity theft information, which you were legally required to investigate within 30 days. Your failure to complete a reasonable reinvestigation and permanently delete the unverified and inaccurate information within the statutory timeframe constitutes a willful violation of the FCRA.

2.Violation of Accuracy and Procedural Requirements ( 15 U.S.C. 1681e ) : Both the furnisher ( XXXX XXXX XXXX and the credit reporting agency have a duty to " follow reasonable procedures to assure maximum possible accuracy '' of reported information. Given that this is a medical debt, your continued reporting is particularly egregious in light of the CFPB 's final rule, effective XX/XX/year>2025, which prohibits consumer reporting agencies from including medical debt information on credit reports furnished to lenders. Your persistence in reporting this account demonstrates a clear failure to maintain procedures that comply with current federal regulations.

3. Willful Non-Compliance : Your organization was put on notice of this dispute and the associated legal violations. Ignoring a pending CFPB complaint and prior correspondence demonstrates willful non-compliance, which exposes you to liability for statutory and punitive damages.

The continued presence of this account on my credit report is a direct result of your failure to adhere to federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
Dispute of Incorrect Reporting by Original Creditor Dear Sir/Madam, I am writing to dispute the reporting of a debt under my name that is being incorrectly reported by Upstart. The debt in question has been sold to a third-party collection agency, XXXX XXXX XXXX and the original creditor should no longer be reporting this debt on my credit report. 

The account in question is listed as an active debt under the original creditors name. However, as per the documentation I have received, the debt was sold or transferred to Velocity investments in XX/XX/year> Please remove the original creditors entry from my credit report. 

I request that this issue be resolved and the inaccurate information be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-08-28 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 a victim of identity theft and miss information reporting on my credit file, my identity have been stolen 7years in XXXX Florida , and I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. my identity has been stolen or there's misinformation, there is a Bankruptcy XXXX  XXXX-dischanged that appear on my credit report that don't belong me, I have contacted the court about this, and the Clerk of court inform me that Only this information can come from the Courts and Not from a third-party, that this information is fault and show proof that it came from the Courts because the courts does not send this try of document to any third-party, and by the Fair Credit Reporting Act the Credit Bureaus can not report bankruptcy from a third-party, So am demanding proof that this information came Directly from the Court, if not this bankruptcy should be remove immediately and there is some additional that need to be remove and block from my credit reports including fraudulent inquiries, and there is 24 inquiries that is reporting on my TransUnion report that I never gave any permission to open, this is also identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am a victim of identity theft and miss information reporting on my credit file, my identity have been stolen 7years in XXXX Florida , and I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. my identity has been stolen or there's misinformation, there is a Bankruptcy XXXX  XXXX-dischanged that appear on my credit report that don't belong me, I have contacted the court about this, and the Clerk of court inform me that Only this information can come from the Courts and Not from a third-party, that this information is fault and show proof that it came from the Courts because the courts does not send this try of document to any third-party, and by the Fair Credit Reporting Act the Credit Bureaus can not report bankruptcy from a third-party, So am demanding proof that this information came Directly from the Court, if not this bankruptcy should be remove immediately and there is some additional that need to be remove and block from my credit reports including fraudulent inquiries, and there is 24 inquiries that is reporting on my TransUnion report that I never gave any permission to open, this is also identity theft.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I has reported XXXX XXXX and now I find I need to report Capital One for not providing the information needed. I rented the truck they did not provide a reciept at the time I signed the agreement on XX/XX/XXXX. This was a charge on my card which was changed with the additional charge for a " bundle '' I did not order. I ordered the truck on line and had a recorded conversation as to what it would cost gas and all for the trip one way. They tried to charge me {$14.00} a gallon of gas when I disputed it they took it off and then added it to the original bill changed everything and sent it to Capital One and the transaction was adjusted on my transaction feed. They refuse to check their own records as to the fraud. This charge was added without my authorization on XX/XX/XXXX after I disputed the charge for the truck which ruined my furniture and they have been unresponsive to that as well - have their accident ins. co call and it was not an accident it was negligence they did not clean the truck- but I did not order a bundle and Capital One has the documents necessary to prove the matter but won't do it. XXXXXXXX XXXX XXXX XXXX did not at the time of sale charge me or did I agree to any bundle. The man standing next to me and the driver is an FBI agent so I would think his statement that I did not get a receipt cause their printer was broken was what was told me me and what I signed at the terminal will show the alteration and the unauthorized charges,

Company response to consumer: Closed with explanation