vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I'm reaching out to demand the immediate deletion of an unauthorized credit inquiry made by your company, which now appears on my credit report. I want to be absolutely clear : I never gave permission, written or verbal, for my credit to be pulled. 

This inquiry was made without my knowledge or consent, and as such, it constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Not only is this a breach of my privacy, but its also damaging to my credit profilecompletely without justification. 

Let me state this plainly : I did not apply for credit with your company. 
I did not authorize any inquiry, soft or hard. 
I have no existing relationship with your organization that would legally justify accessing my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am submitting this complaint regarding Capital One 's decision to close my bank account ending in XXXX, effective XX/XX/year>. I received a notice stating that the closure is due to adverse past or present legal action involving an individual or entity associated with the account, without further details or explanation. 

I am unaware of any such legal matters involving myself or my account and have not received any prior warnings or communications regarding this issue. I believe this decision may be arbitrary, and I am concerned it may involve unfair or discriminatory treatment, in violation of the Equal Credit Opportunity Act ( ECOA ) or other applicable federal protections.

Additionally, the email states I am permanently banned from opening any future accounts with Capital One. I request a formal investigation into this matter and a clear explanation for the account closure. If the banks decision was based on inaccurate, misattributed, or prejudicial information, I respectfully request corrective action.

Please contact me to confirm receipt of this complaint and inform me of any actions taken.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: IL

Complaint narrative:
This complaint introduces new legal violations based on Regional Finances XX/XX/year> response, specifically a clear breach of the Illinois Predatory Loan Prevention Act ( PLPA ). I am not disputing the existence of the loan I am disputing its legal enforceability and ongoing furnishing of a voided tradeline under Illinois law. Their own breakdown shows {$2800.00} in post-maturity interest and {$3100.00} in costs above principal, pushing the effective APR far above the 36 % legal cap. This was not addressed in any prior complaint. This is not a duplicate. It raises new statutory violations supported by the companys own disclosures and must be reviewed independently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
Request for account blocking and deletion due to data breach. 

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1100.00} This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Request for account blocking and deletion due to data breach. 

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1100.00} This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
Sincerely,

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Subject : Second Attempt Request for Removal of Inaccurate Information Dear : TransUnion Representative, I am writing regarding an item on my credit report that I previously disputed but has not yet been corrected or removed. This is my second attempt to resolve this matter. Please be advised that the information listed below is inaccurate and must be corrected or deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Item Details : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason for Dispute : NOT MY ACCOUNT Despite my prior dispute submitted on XX/XX/year> this inaccurate information remains on my credit file. I am requesting that you conduct a reinvestigation into this account and provide documentation verifying the accuracy and ownership of the account. If you can not provide proper verification within 30 days, I request that the account be deleted from my credit report. 

Please update me in writing upon completion of your investigation. Enclosed are copies of any supporting documents to assist in your review. 

Thank you for your attention to this matter. I expect a timely response in compliance with federal law. 

Sincerely, XXXX XXXX XXXX : Copy of drivers license or government-issued ID Proof of address ( utility bill, lease, etc. ) Any documentation supporting your dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: OH

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 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 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 2025-06-13 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 am filing a formal complaint against XXXXXXXX XXXX XXXXXXXX for violations of the Fair Credit Reporting Act ( FCRA ) regarding their reporting of a resolved collection account to TransUnion. Issue : This account is reporting the following inconsistencies : A {$0.00} balance, with the remark Paid collection, But it is still listed as : Open Derogatory Needs Attention This is a clear misrepresentation of a resolved debt, which negatively impacts my creditworthiness and violates FCRA standards regarding the accuracy and completeness of information provided to credit reporting agencies. 

Violations of Law : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), data furnishers ( like XXXX XXXX XXXX  ) are legally obligated to : Provide complete and accurate information to credit reporting agencies ; Correct or delete inaccurate, incomplete, or unverifiable information after being notified by the consumer ; Update the status of paid debts promptly and accurately. 

This collection account violates : 1681s-2 ( a ) ( 1 ) ( A ) : Duty of furnishers to provide accurate information ; 1681s-2 ( a ) ( 2 ) : Obligation to update and correct information that is no longer accurate ; 1681i : Duty of the credit reporting agency to reinvestigate disputed 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the itemsXXXX 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 I am requesting to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I have been made aware that my personal information has been compromised and breached through several databases. Due to this, there are multiple accounts on my credit profile that I do not recognize. To help solve this issue I have prepared and submitted an FTC report that will be attached. I would like these accounts to be validated under FCRA laws. Please keep in mind that they must be validated and not verified. If they can not successfully be validated, I am requesting that they be removed from my credit profile permanently. 

Please see attached files.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against XXXXXXXX XXXX XXXXXXXX for violations of the Fair Credit Reporting Act ( FCRA ) regarding their reporting of a resolved collection account to TransUnion. Issue : This account is reporting the following inconsistencies : A {$0.00} balance, with the remark Paid collection, But it is still listed as : Open Derogatory Needs Attention This is a clear misrepresentation of a resolved debt, which negatively impacts my creditworthiness and violates FCRA standards regarding the accuracy and completeness of information provided to credit reporting agencies. 

Violations of Law : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), data furnishers ( like XXXX XXXX XXXX  ) are legally obligated to : Provide complete and accurate information to credit reporting agencies ; Correct or delete inaccurate, incomplete, or unverifiable information after being notified by the consumer ; Update the status of paid debts promptly and accurately. 

This collection account violates : 1681s-2 ( a ) ( 1 ) ( A ) : Duty of furnishers to provide accurate information ; 1681s-2 ( a ) ( 2 ) : Obligation to update and correct information that is no longer accurate ; 1681i : Duty of the credit reporting agency to reinvestigate disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am filing a formal complaint against XXXXXXXX XXXX XXXXXXXX for violations of the Fair Credit Reporting Act ( FCRA ) regarding their reporting of a resolved collection account to TransUnion. Issue : This account is reporting the following inconsistencies : A {$0.00} balance, with the remark Paid collection, But it is still listed as : Open Derogatory Needs Attention This is a clear misrepresentation of a resolved debt, which negatively impacts my creditworthiness and violates FCRA standards regarding the accuracy and completeness of information provided to credit reporting agencies. 

Violations of Law : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), data furnishers ( like XXXX XXXX XXXX  ) are legally obligated to : Provide complete and accurate information to credit reporting agencies ; Correct or delete inaccurate, incomplete, or unverifiable information after being notified by the consumer ; Update the status of paid debts promptly and accurately. 

This collection account violates : 1681s-2 ( a ) ( 1 ) ( A ) : Duty of furnishers to provide accurate information ; 1681s-2 ( a ) ( 2 ) : Obligation to update and correct information that is no longer accurate ; 1681i : Duty of the credit reporting agency to reinvestigate disputed 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 2025-06-13 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX balance {$720.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$930.00}, XXXX XXXX BALANCE {$620.00}, XXXX XXXX XXXX {$18000.00}.

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 2025-06-13 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: TX

Complaint narrative:
This XXXX XXXX account was fully paid and closed on XX/XX/2024. Despite this, it is still reported on my TransUnion credit file as a charge-off with a derogatory status. I have previously attempted to resolve this through XXXX dispute process, but the information remains unchanged. I have not received any documentation justifying the continued charge-off status after payment. This inaccurate reporting affects my credit and appears to violate FCRA 1681e ( b ), which requires data to be accurate and up-to-date. I am requesting a full reinvestigation and correction or removal of this account if XXXX XXXX can not verify the charge-off status

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