vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have noticed that my credit score has dropped by XXXX points, due to a new Capital One credit cars account, which I do not know off. 
I have contacted Capital One Fraud team and talked to XXXX worker Id # XXXX, who told me that this account was opened with my personal information, but my email was used as a secondary email. 
Again, this is not my account, and I have never applied for a Capital One credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-27 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: KY

Complaint narrative:
I am formally disputing the inclusion of the below items on my credit report. I have no knowledge of this items, and I did not authorize, open, or benefit from any goods, services, or funds related to it. I believe this account is the result of fraudulent activity and/or identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this information. As this account is both inaccurate and unverifiable, it must be corrected or updated in accordance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am formally notifying you to cease all communication with me immediately regarding the above-referenced alleged debt, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Any further contact beyond what is permitted by law will constitute a violation and will be documented for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
XXXX XXXX Capital # XXXX To Whom It May Concern : This letter places both Experian and Equifax on notice that the account being furnished by XXXX XXXX XXXX is being reported inaccurately and incompletely on my credit files. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain the maximum possible accuracy of information you report ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation whenever a consumer disputes an account ( 15 U.S.C. 1681i ( a ) ). At this point, you are knowingly publishing disputed, inaccurate, and incomplete information. 

Specifically : XXXX XXXX XXXX has failed to provide validation of this alleged account, despite repeated requests. 

You are reporting an account without verified documentation, meaning the reporting is neither accurate nor complete. 

By publishing and maintaining this unverifiable account, you are willfully violating your obligations under federal law.

Further, under Pennsylvania law, including the Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 et seq. ) and the Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ), knowingly reporting false or unverified debt constitutes an unfair and deceptive practice.

You are hereby directed to : Immediately delete the XXXX XXXX XXXX account from my credit files. 

Provide written confirmation of the deletion within XXXX  days of your receipt of this notice. 

If this unverifiable and disputed account remains on my reports, I will have no choice but to initiate formal proceedings in binding arbitration or federal court, naming Experian and Equifax as co-defendants alongside XXXX XXXX XXXX for your collective violations of federal and state law. 

This is your final warning. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Late Dates XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Dates XXXX XXXX & XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for blatant and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with fraudulent accounts that resulted from identity theft. Despite submitting a full FTC Identity Theft Report, supporting documentation, and clear evidence of fraud, Equifax has failed to comply with multiple sections of federal law. They have not conducted a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ), and instead ignored the evidence I provided while allowing fraudulent accounts to remain on my file. They also failed to provide me with the required investigation results within the XXXX statutory timeframe, in direct violation of 15 U.S.C. 1681i ( a ) ( 6 ). Furthermore, they failed to block fraudulent information after receiving my FTC Identity Theft Report, in violation of 15 U.S.C. 1681c-2.

These failures are not minor mistakes but willful misconduct that continues to cause me serious harm. Equifax is knowingly allowing fraudulent XXXX XXXX accounts ( Account XXXX. XXXX ) to remain on my credit report despite clear proof that these accounts were opened without my authorization and confirmed as identity theft. Their unlawful inaction has severely damaged my credit, caused emotional distress, and placed me at ongoing risk of financial harm. Federal courts, including Cushman v. TransUnion Corp. ( 1997 ), Dennis v. BEH-1, LLC ( 2002 ), and Ramirez v. TransUnion LLC ( 2021 ), have made it clear that credit reporting agencies can not ignore their statutory obligations, yet Equifax continues to willfully disregard them. 

I request that the CFPB immediately order Equifax to remove and permanently block all fraudulent XXXX XXXX accounts tied to my stolen identity, provide me with a full written explanation of their reinvestigation process and results, and take corrective action to ensure full compliance with the FCRA. In addition, I request that Equifax be held accountable for the damages I have suffered due to their willful negligence and misconduct, including statutory and punitive damages as permitted under 15 U.S.C. 1681n and 1681o. Equifax has been given notice and failed to act, and I ask the CFPB to compel immediate corrective action and hold them fully liable for their unlawful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : Jefferson Capital Systems, XXXX XXXX XXXX. Cloud, MN XXXX Re : Debt Validation Request under the FDCPA ( 15 U.S.C. 1692g ) Account Number ( if known ) : [ Insert Account Number, if applicable ] To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ insert date ], regarding the collection of an alleged debt. This is a formal request for validation and verification of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ).

Under the FDCPA, I am requesting that you provide proper documentation to substantiate the validity and legal enforceability of the alleged debt, including but not limited to : 1. The name of the original creditor, and the name of the current creditor ( if different ).

2. A copy of the original signed agreement or contract that verifies my liability.

3. An itemized accounting of the alleged debt, including the original amount, any interest, fees, or charges added.

4. Proof of your legal right to collect this debt, such as a chain of custody of the debt or assignment documentation.

5. Verification that the debt is within the statute of limitations for collection in my state.

Please consider this letter a formal dispute of the validity of this debt. Until the above information is provided and verified, you must cease all collection activities, including reporting to credit bureaus, as required by law. 
Be advised that any further attempt to collect this debt without proper validation will be considered a violation of the FDCPA and my consumer rights. I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I request all future communication regarding this matter be conducted in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: TX

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 2025-08-27 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: NJ

Complaint narrative:
I have noticed that my credit score has dropped by XXXX points, due to a new XXXX XXXX XXXX XXXX account, which I do not know off. 
I have contacted XXXX XXXX Fraud team and talked to XXXX worker Id # XXXX, who told me that this account was opened with my personal information, but my email was used as a secondary email. 
Again, this is not my account, and I have never applied for a XXXX XXXX credit card.

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 2025-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FCC Finance, LLC
State: CT

Complaint narrative:
In XX/XX/year>, I took out a loan from a company called XXXX XXXX to cover an egg-freezing cycle through XXXX XXXX in Connecticut. That clinic was later exposed for committing medical fraud against me. In addition, the loan disbursement was reversed, and I ultimately paid both the clinic and the XXXX  XXXX  myself using my credit card. I have credit card statements confirming these payments, along with written conversations between me and a XXXX XXXX employee showing that the loan funds were returned to XXXX XXXX. 

After being scammed by the clinic and suffering XXXX, I was in a very poor mental state throughout XXXX. I only realized much later that I had continued making payments on a loan I did not actually owe. I stopped paying in XX/XX/year>. However, in XXXX, XXXX XXXX transferred this supposed debt to a collection agency, FCC, which has severely damaged my credit. 

This is devastating my life and my sons life. I am a XXXX, XXXX mother of a XXXX, and I rely on my credit to survive. Right now, I can not buy a car or move because of the negative marks they placed on my credit report. 

I have repeatedly asked FCC to provide proof of the loan disbursement, and they refuse to do so. All that was supplied was my loan agreement, which evidently, does not protect them from default due to medical fraud. However, before looking over my own records of this loan, I attempted to settle and a manager told me that if I made three payments, he would waive the interest and settle the principal. I made those three payments, but he did not honor the settlement agreement. We entered into a contract that he broke.

Upon further review of my records, I realized that I dont even owe this loan at all, because the disbursement was reversed and never applied toward the XXXX services. If I have made a mistake I would like proof and they need to provide me with disbursement records, otherwise I need this removed from my credit report that is harming me and my son. He has his own medical conditions and I require a vehicle to take him to his appointments and we are in a one bedroom and need to move, I can not do that with my credit destroyed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OK

Complaint narrative:
This debt was removed from my credit report a while ago. I am making this complaint because I would like to file a dispute against this debt collector.

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 2025-08-27 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: NJ

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
XXXX  and XXXX  are inaccurately reporting my federal student loan as over 6 months delinquent, and MOHELA ( my servicer ) is furnishing this false data. My account is current and has only been late once. I have disputed with XXXX  multiple times over the past 6 months, but each time XXXX  verifies the false information without properly investigating, in violation of FCRA 611 and 623 ( b ).

This is causing me significant harmI can not obtain housing because many NC landlords only use XXXX  reports or XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-27 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 am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) 605C and the Trafficking Victims Protection Act ( TVPA ) to request the blocking of adverse items on my credit report that resulted from my experience as a victim of trafficking.

The following accounts are inaccurate, fraudulent, and must be blocked from my credit file as they are directly tied to trafficking-related exploitation and coercion : XXXX. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$280.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$170.00} Per federal law, I request that TransUnion permanently block these items from my report and prevent them from being reinserted. This correspondence should be treated as a formal request for protections under the FCRA and TVPA.

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 2025-08-27 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: WI

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the supporting documents.

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