vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Capio Partners, LLC
State: FL

Complaint narrative:
These accounts were not opened, authorized, or utilized by me in any manner. I am a verified victim of identity theft, as documented under XXXX Police Department Case No. XXXX, filed initially on XX/XX/year> and supplemented on XX/XX/year> to include the above accounts. A copy of the police report and supplemental narrative is enclosed for your review. XXXX Reported Balance : {$530.00} Last Updated : XX/XX/year>XXXX XXXX XXXX XXXX Reported Balance : {$91.00} Last Updated : XX/XX/year> also have a medical under {$500.00} CAPIO PARTNERS LLC Date Opened : XX/XX/year> Reported Balance : {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: OH

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 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-10-15 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-10-15 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: OK

Complaint narrative:
I NEVER FILED THIS BANKRUPTCY THIS A FRAUD ACCOUNT. PLEASE BLOCK AND REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: AR

Complaint narrative:
Ive sent several letters to Equifax, XXXX XXXX XXXX  about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are inaccurate addresses, Phone numbers and name spellings on my credit account. The following address XXXX XXXX XXXX is an address Ive never lived at. The spelling of my name is incorrect. Phone number XXXX is not my current phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, Experian or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
Comenity Capital Bank has sent me XXXX letters dater XX/XX/year> and XX/XX/year> both informing me of an application filed for a XXXX Visa Card in my name. 

I tried calling them to let them know that I didn't apply and the application is fraudulent, they asked for all the personal information that a phishing scam would ask, like SS #, DOB, etc. 

How can I resolve this issue with a trusted organization?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : COLLECTION - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$300.00} COLLECTION - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$230.00} INQUIRIES : XXXX XX/XX/XXXX XXXX DC XX/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 2025-10-15 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:
There are errors being reported on my credit 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 explanation
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
My credit report contains incorrect and misleading items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
You are reporting XXXXXX/XX/XXXX Bank XX/XX/XXXXcharge-off accounts ( ending in XXXX and XXXX ) that were deleted from allXX/XX/XXXX credit bureaus as of XX/XX/year>2025 ( and from Equifax specifically in XX/XX/year>2025 ). The fact that they have been reinserted is unlawful, inaccurate, and constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ). I demand their immediate and permanent deletion. 

Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ), a previously deleted tradeline can not be reinserted unless the furnisher certifies the accuracy of the data and Equifax gives written notice of that reinsertion to the consumer. I never received any notice or certification. 

Under 15 U.S.C. XXXX ( b ), Equifax must maintain reasonable procedures to assure maximal accuracy. Re-reporting items that all bureaus had removed for inaccuracy shows your procedures are not reasonable. 

Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) and XXXX ( a ) ( XXXX ), I have the right to see exactly how these tradelines were verified : the method of verification, all documents, chain-of-custody, and Metro 2 export showing account status, condition code, balance, payment rating, and Date of First Delinquency. Generic statements such as verified with furnisher are not enough under controlling case law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.

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 2025-10-15 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: IL

Complaint narrative:
I have no affiliation with this account ; it has been reported incorrectly.

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 2025-10-15 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: AR

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on allXX/XX/XXXX reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AR

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on allXX/XX/XXXX reports. Id appreciate your help in getting this taken care of.

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 2025-10-15 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: SC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-15 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 a documented data-breach victim and filed a police report for identity theft. I sentXX/XX/XXXX a XXXX Identity Theft Block packet by certified mail on XX/XX/XXXX, requesting XX/XX/XXXX-business-day blocking of specified items. I also requested deletion of inaccurate personal identifiers and an unauthorized inquiry. Transinon is required to block within XXXX business days under FCRA XXXX ( 15 U.S.C. XXXX ) after receiving my Identity Theft Report and item list. 

My personal information was exposed in a recent data breach ( screenshots attached ). After that, I discovered multiple tradelines and a hard inquiry on my credit file that do not relate to any transaction by me. 

I filed a police report ( attached ) and immediately mailedXX/XX/XXXX a XXXX identity theft block packet with : ( XXXX ) police report ; ( XXXX ) proof of identity and address ; ( XXXX ) list of specific items to block ; ( XXXX ) breach evidence. 

I also requested removal of old addresses/name variants and deletion of an unauthorized hard inquiry under FCRA XXXX XXXX XXXX. 

Below are all the accounts and numbers that need to be blocked : XX/XX/XXXXXXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX - XXXX Remove/block all of the following non-current/variant addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX Also remove name variant : XXXX XXXX. 

Remove/block all of the following unauthorized inquiries : TransUnion XX/XX/XXXX Interactive requested XX/XX/XXXX. 

XXXX Bank XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX. 

TransUnion XXXX / XXXX XXXX XX/XX/XXXX. 

TransUnion Interactive XX/XX/XXXX. 

XX/XX/XXXXXX/XX/XXXX. 

XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
In XX/XX/XXXX I discussed a mortgage forbearance with my lender XXXX Mortgage. It was approved until XX/XX/XXXX. In XXXX of XXXX I filed a XX/XX/XXXXXXXX which excluded the mortgage as I agreed with the state Trustee I would continue to make those payments on my own. When this happened, XXXX updated my credit report with late payments starting in XXXX - XX/XX/XXXX. Since this was an approved forbearance with XXXX Mortgage, they can not report late payments to credit agencies. Once the XXXX hit, they stopped reporting even though I've continued to make payments in full on time each month. I've never had a late payment with XXXX Mortgage but they refuse to fix the credit report. I've requested a correctionXX/XX/XXXX with XXXX times being rejected with no explanation. 

My credit report shows XX/XX/XXXXdays past due for XX/XX/XXXX and XX/XX/XXXX days late in XX/XX/XXXX. MY account is also now showing closed, but as I stated I have and continue to make payments.I 've never been late with a payment with this lender. Attached is the statement from XX/XX/XXXX which shows the acknowledgment of the forbearance by the lender. The subsequent statements show full payment of the amount due and continued payments with the other statements. I can provide more, if needed.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains incorrect and misleading items.

Company response to consumer: Closed with explanation