vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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 had a XXXX account reporting on my credit report for years. 
XXXX did not open this account. 
-There were never any charges on this account -This account has never had a balance -It reports paid as agreed although no balance EVER & no payment EVER -No high/low balance -Balance has been XXXX entire time XXXX Fair Credit Reporting Act an account with no balance, paid as agreed will be removed in 5 years. An account in poor standing will remain for 10 years. 
-This account ( which I did not open ) is some sort of merchandise sold via catalog allowing monthly payments. 
-Although I have never opened, ordered or ever had a balance has been reporting on my credit reports Experian, Equifax and Transunion XXXX XXXX the XXXX credit bureaus are refusing to remove it. 
-My last request was in XXXX which is when they made me aware it needed to remain for 5 years. 
XXXX disputed AGAIN XX/XX/XXXX and in less than XXXX hours received replies that the account would remain. 
I would appreciate any insight into my next steps. This should be the easiest kind of account to remove and yet it is impossible. These credit reporting companies are not following their own rules and I am quickly getting nowhere. 
I appreciate your time and attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: DE

Complaint narrative:
I have had a XXXX account reporting on my credit report for years. 
XXXX did not open this account. 
-There were never any charges on this account -This account has never had a balance -It reports paid as agreed although no balance EVER & no payment EVER -No high/low balance -Balance has been XXXX entire time XXXX Fair Credit Reporting Act an account with no balance, paid as agreed will be removed in 5 years. An account in poor standing will remain for 10 years. 
-This account ( which I did not open ) is some sort of merchandise sold via catalog allowing monthly payments. 
-Although I have never opened, ordered or ever had a balance has been reporting on my credit reports Experian, Equifax and Transunion XXXX XXXX the XXXX credit bureaus are refusing to remove it. 
-My last request was in XXXX which is when they made me aware it needed to remain for 5 years. 
XXXX disputed AGAIN XX/XX/XXXX and in less than XXXX hours received replies that the account would remain. 
I would appreciate any insight into my next steps. This should be the easiest kind of account to remove and yet it is impossible. These credit reporting companies are not following their own rules and I am quickly getting nowhere. 
I appreciate your time and attention in this matter. 
Sincerely, 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I am disputing a XXXX XXXX account ( Account # XXXX ) that was XXXX in my XXXX  XXXX bankruptcy on XX/XX/year>. 
Despite the discharge, the account still reports as derogatory and negatively impacts my credit report. This reporting is inaccurate under FCRA and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: DE

Complaint narrative:
I am filing a formal complaint against Experian, TransUnion, and Equifax for illegally reinserting a XXXX Bank account that was previously deleted after a successful dispute. The account was charged off over XXXX years ago, and no XXXX was ever issued. It has now reappeared across all three credit reports without the legally required XXXX reinsertion notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). The account is also reporting with material inaccuracies, including inconsistent balances and dates, and falsely shows account not disputed. 

This mirrors issues raised in XXXX XXXX XXXXXXXX XXXX XXXX Experian, where continued reporting of discharged or uncollectible debt without a XXXX constituted FCRA violations XXXX I am demanding immediate and permanent deletion, a full Method of Verification, and confirmation of whether XXXX re-furnished this data.

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 2025-07-26 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: DE

Complaint narrative:
I am filing a formal complaint against Experian, TransUnion, and Equifax for illegally reinserting a XXXX Bank account that was previously deleted after a successful dispute. The account was charged off over XXXX years ago, and no XXXX was ever issued. It has now reappeared across all three credit reports without the legally required XXXX reinsertion notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). The account is also reporting with material inaccuracies, including inconsistent balances and dates, and falsely shows account not disputed. 

This mirrors issues raised in XXXX XXXX XXXXXXXX XXXX XXXX Experian, where continued reporting of discharged or uncollectible debt without a XXXX constituted FCRA violations XXXX I am demanding immediate and permanent deletion, a full Method of Verification, and confirmation of whether XXXX re-furnished this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TAG Intermediate Holding Company, LLC
State: TX

Complaint narrative:
In XXXX XXXX  XXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information.

I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. 

The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus.

I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-26 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: CA

Complaint narrative:
I am disputing a charge of {$1100.00} to my Capital One credit card by a third-party hotel booking company that falsely represented itself as affiliated with a professional conference I am attending. 

The merchant, XXXX XXXX XXXX, operating as XXXX XXXX XXXX, left a voicemail misrepresenting themselves as an official conference partner. I can provide a transcript and the audio recording. Based on that misrepresentation, I provided credit card info to secure what I believed was a legitimate, prepaid hotel reservation. 

Afterward, I contacted the hotel directly and was told no such reservation existed under my name or the merchants. I then attempted to cancel through the merchant. They were unresponsive and evasive. I submitted evidence of this including a call log showing my attempts to cancel to Capital One. 

Despite this, Capital One denied my claim, stating I had not proven my cancellation efforts. However, I have provided proof of my call history, written correspondence, and a transcript of the merchants misrepresentative voicemail. 

Capital Ones response focuses narrowly on procedure and ignores the core issue : the charge resulted from clear misrepresentation and non-delivery of services.

The stay date has now passed. I received no services. The merchant has still refused to acknowledge the cancellation or issue a refund. 

I am requesting the CFPB to : Review Capital Ones handling of this case in light of the compelling evidence Ive submitted. 

Ensure the charge is reversed and I am credited the full amount in accordance with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
Under the FCRA Law 15 USC 1681G ( a ) Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. I personally submitted a dispute to Experian XX/XX/year> & XX/XX/year> to physically verify signed original contracts with my signature from all of the accounts that were being reported on my credit due to my information being impacted by the XXXX data breach. They sent me a stall letter stating We have not taken action against your alleged request. Despite multiple disputes, the account remains on my report in violation of FCRA 611 ( a ) ( 1 ), which requires a reasonable reinvestigation. Furthermore, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data known to be inaccurate. 
You have also failed to remove or correct this item under FCRA 611 ( a ) ( 5 ) ( A ), which mandates deletion when unverifiable or inaccurate information remains after reinvestigation. 
I am formally documenting this for submission to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office if it is not corrected or removed within 15 days.

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 2025-07-26 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent.

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 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 2025-07-26 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: TX

Complaint narrative:
I am filing a complaint serves as my fourth and final formal notice regarding the fraudulent account and Inquiries appearing on my credit report, which are a direct result of identity theft. I have previously sent three dispute letters, along with sufficient documentation, but the matter has not yet been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} 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 XXXXXX/XX/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 2025-07-26 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: AL

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: ID Analytics, Inc.
State: DC

Complaint narrative:
To Whom It May Concern, As per the guidance issued by the Consumer Financial Protection Bureau ( CFPB ), the documents required to block adverse information related to XXXX XXXX include a photo ID or a bill, and a letter from an advocacy organization assisting victims of XXXX XXXX  I am submitting these documents in accordance with the XXXX-Debt Final Rule under 12 C.F.R. 1022.142 ( b ) ( 4 ) -5 and 1022.142 ( b ) ( 7 ). I respectfully request that you block and delete all accounts related to my XXXX  within four business day of receipt of this letter, as mandated by Section 605C of the Fair Credit Reporting Act. Per law, only two forms of documentation are required, and I have submitted both, including my identification and a victim determination letter under 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Citi Retail Services ( Best Buy credit card ) regarding a {$1000.00} charge dated XX/XX/XXXXXXXX  ( Case ID : XXXX ). Months later, I discovered that I had been charged a large amount of interest. The issue is that I have email and text alerts enabled on my account, and I rely on them to track important changes. However, I never received any alert indicating that the promotional financing period had ended or that interest would be charged. 

As a result, the charge was applied without my knowledge or opportunity to respond. I filed a dispute to have the interest reviewed and possibly reversed. To this day, Citi has not reviewed or responded to my dispute, and the case has remained in Pending status for over 5 months with no resolution or follow-up.

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 2025-07-26 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: NM

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-26 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: FL

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : 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 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 2025-07-26 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 am filing a complaint serves as my fourth and final formal notice regarding the fraudulent account and Inquiries appearing on my credit report, which are a direct result of identity theft. I have previously sent three dispute letters, along with sufficient documentation, but the matter has not yet been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation