vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed an account with Equifax for account XXXX XXXX XXXXXXXX and all Equifax did was the same thing they always do and say they investigated and reviewed the account and said it was verified? But FCRA rules and regulations state that I have the right to know what documents were reviewed and provide me with copies of those documents and if they cant provide me copies of the documents or information of who they contacted and the documents that were used to verify the account, then that account needs to be removed from my report and I havent received anything except a written statement saying it was verified without providing any proof ( copies of the documents used to verify the account )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received an email on XX/XX/year> that a Capital One account was opened using my XXXX  credit report, which has a freeze on it. Due to the freeze, Capital One should not have opened the card. I called Capital One customer service today and was told they could not close the card, but they see that it was opened today, and the fraud department is the only one that can close it, but they were closed. 

I have a fraud alert on my XXXX  credit report, so this card should not have been opened in the first place. I also had freeze on my XXXX  report, I verified that it was still active today, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Explanation of Identity Theft and Request for Blocked Information - Follow-up to Declined Request To Whom It May Concern : This letter provides a detailed explanation of the identity theft I have experienced and serves as a formal follow-up to your communication declining my previous request to block fraudulent information from my credit report. I am providing additional comments as requested by your recent correspondence.

On an unspecified date prior to my discovery, unauthorized accounts were opened in my name without my knowledge or permission. These fraudulent accounts include : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I specifically noted an inaccuracy on my credit report where a delinquency date for one of these accounts appeared before its reported open date, which is impossible.

Upon discovering this fraudulent activity, I immediately took action. On an unspecified date, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). The FTC Report Number associated with this incident is XXXX. This report comprehensively details the fraudulent accounts, including their respective fraud and discovery dates. 
Subsequently, I submitted a request to XXXX  to block these fraudulent accounts from my credit report. This request included my FTC Identity Theft Report, a copy of my government-issued identification, and a recent financial statement ( dated XX/XX/year> ) for proof of address, as per standard requirements. 
Despite providing these documents and the official FTC report, my request to block the information was declined by XXXX, as communicated in your recent notice. I am now providing this statement to further elaborate on the situation and reiterate the fraudulent nature of these entries. 
I am a victim of identity theft and did not authorize the opening or use of any of the aforementioned accounts. I request that XXXX  review this information again and fulfill its obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to block these fraudulent accounts from my credit report.

I understand that false statements may result in criminal penalties. All information provided herein and in previous submissions is truthful and accurate to the best of my knowledge. 
Thank you for your attention to this critical matter. I look forward to the prompt resolution and removal of this fraudulent information from my credit file. 
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 2025-07-17 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: NY

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within XXXX days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-17 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 am writing to formally appeal the reporting of a late payment currently listed on my credit file. Upon careful review of my records, I have found no instance of a delinquent payment on the date in question. I have consistently met my financial obligations and maintained timely payments on this account.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CT

Complaint narrative:
XX/XX/year> settled balance- closed account - i want it removed off my credit i contacted bureaus multiple times and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I disputed several accounts on my credit reports with both Experian and TransUnion on XX/XX/year>. These accounts include charge-offs and collections that I believe contain incorrect or unverifiable information, such as inaccurate balances, dates, and payment history. 

Despite providing written disputes and requesting investigations under the Fair Credit Reporting Act ( FCRA ), these accounts remain unchanged and no documentation was provided to validate the information. 

The accounts I disputed include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX. 

I am requesting the CFPB assist in ensuring the credit bureaus and furnishers conduct a full investigation and remove any unverifiable or inaccurate information as required by law.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the address and the names listed, please remove the incorrect information. Thank you. 
Address : 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I do not recognize the address and the names listed, please remove the incorrect information. Thank you. 
Address : 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 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 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 2025-07-17 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:
Equifax is the company thatbni cant see anything if my data was breached I read little to many high money use! how if im XXXX  XXXX only get XXXX! in their site I only have like XXXX things too dispute if I have delinquent accounts like they say where are they and very private! XXXX XXXX years their my score has been the lowest! XXXX im not gon na pay XXXX dollars to get full access if XXXX  XXXX Experian are wrong what made me think they are wrong why so secretive XXXX delinquents account were are they to dispute! data breach has affected me alot calls won't stop why are they saying that when their is nothing in their web to dispute had XXXX accounts their still in dispute! why are they reporting false information if I pay monthly all my bills if tranunion and Experian what makes me think so secretive but saying bad reports that are not wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

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. 

XXXX  - XXXX List of Unauthorized Inquiries : XXXX  XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX  - XXXX 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 may 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-17 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: MI

Complaint narrative:
I am writing to dispute a collection account that is being reported under my name. I am not the individual who incurred this debt, and I am not liable for any amounts claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: KS

Complaint narrative:
I previously disputed this account with Experian because I believe it is being reported inaccurately. The balance, date of first delinquency, and account status do not match my records. This account is medical in nature and should not appear in the manner it currently does. Despite my prior dispute, Experian did not remove or correct the reporting, and no meaningful investigation appears to have taken place. I am requesting a full reinvestigation and documentation validating the debt, including original creditor details and itemization. This account is severely impacting my credit, and I need the CFPBs assistance to ensure my consumer rights are upheld. 

I am disputing a medical collection account from XXXX XXXX that is being reported on my Experian credit file. The reported delinquency date appears to have been altered or re-aged in a way that misrepresents the age of the debt. This account should have aged off my report based on the original delinquency, but instead it is being shown as more recent, which unfairly damages my credit. I previously disputed this with Experian, but they did not correct or remove the account, nor did they properly investigate the re-aging issue. I am requesting the CFPB to assist in having this account either validated with proper original date documentation or removed due to FCRA violations regarding inaccurate reporting and re-aging.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

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 2025-07-17 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Capital One Account # XXXX Amount {$5000.00} Request for Account Information Dear Consumer, Financial Protection Bureau, I am writing regarding an account listed on my credit report. Please note that I am not disputing the amount owed. However, I am requesting specific information to ensure the accuracy and completeness of the records associated with this account. 

I kindly request confirmation of the following details : The date of first delinquency The date of last payment The date the account was charged off Your assistance in providing this information would be greatly appreciated. Please let me know if you require any additional documentation to process this request. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I have previously disputed Experian 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 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 2025-07-17 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: MD

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
With credit acceptance, when the XXXX hits!! I had to leave from work for XXXX months, they told me to, after that I went back to work for only XXXX weeks, then the XXXX where I worked, it shut down because of XXXX, I was behind the car payment I get XXXX every month and I was behind and tried to caught up finally few months later I got another job and have been tried to caught up but where I worked it doesnt pay well, then I had a car accident ( it was not my fault ) and they paid it off. It was since XXXX  The credit acceptance refused to deleted for XXXX years!! Im deaf!!

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