vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: KS

Complaint narrative:
I am filing this complaint due to the continued reporting of inaccurate and incomplete information on my credit report. Despite submitting disputes directly to both the debt collector and the credit reporting agency, the information remains uncorrected, and no appropriate action has been taken. 

The furnishers of the accounts listed below have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). More than 35 days have passed since my dispute, yet the accounts in question have not been marked as disputed, as required by law. This failure to communicate the dispute is damaging to my credit reputation and may negatively impact employment and credit decisions. 

Disputed Accounts 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 XXXXXX/XX/XXXX These actions ( or inactions ) constitute violations of the following federal statutes : 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers must notify consumer reporting agencies when an account is disputed.

15 U.S.C. 1692e ( 8 ) : It is unlawful to report credit information that is known to be false or fail to communicate that a debt is disputed.

I have attached proof of my prior dispute and a timestamped copy of my credit report showing that the accounts remain unmarked as disputed. I am requesting immediate deletion of these accounts and inquiries or a correction reflecting the dispute status.

If this is not resolved promptly, I intend to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1692k for willful noncompliance and negligence. I am also submitting complaints to the Federal Trade Commission ( FTC ), the State Attorney Generals Office, and the XXXX XXXX XXXX. 

For the record, this dispute has been submitted directly by me, XXXX XXXX XXXX XXXX, and not by a third party. I am asking that it be investigated and processed accordingly.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My loan states that my first installment was due XX/XX/year>, I paid that installment on XX/XX/year> in the amount of {$500.00}. I PAID AHEAD OF THE TIME REQUIRED. On XX/XX/year> I paid my next installment, Your company applied 100 % TOWARDS THE INTEREST BALANCE because this loan is a simple interest loan that has fine print that states interest is added daily from last payment made to the next payment. Sounds like I will be locating a consumer lawyer because you are not going to put your client through XXXX trying to pay off his loan and apply {$0.00} to principle. I am terminating all connections with capital one bank if you do not have a durable reason why paying early IS A LIE RIGHT ON YOUR WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-20 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: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX CARD - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX AND - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

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. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX XXXX {$66000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

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. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX XXXX {$66000.00}

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 2025-05-20 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MO

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-20 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: TX

Complaint narrative:
I am placing in a complaint to your credit agency as I have requested below several times for the accounts and your credit reporting bureau has failed to provide proof of documents used during investigation. I am not asking for info from a data furnisher. I am requesting a human to review.

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance to FCRA guideline. I am requesting for accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX Account number ending in XXXX. The amount is {$8400.00}. I tried to dispute this account and the company wont remove it. If you believe you gave me proper notification to dispute this account please provide the certified mail with receipt of my signature. If not please immediately remove this account from my credit report. Otherwise I will have to take legal action as I know my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding an account with American Credit Acceptance that was opened on XXXX XXXX, 2019. This account is currently marked as paid and closed, yet it is still being reported as a potentially negative account on my credit report.

I fulfilled all financial obligations on this loan, and there is no open balance. The account should reflect positively or be removed entirely. I have attempted to resolve this through disputes with the credit bureaus, but the account still remains in a status that may harm my credit.

Since the debt has been resolved and closed, it should no longer carry any negative designation. Its continued presence as " potentially negative '' misrepresents my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am placing in a complaint to your credit agency as I have requested below several times for the accounts and your credit reporting bureau has failed to provide proof of documents used during investigation. I am not asking for info from a data furnisher. I am requesting a human to review.

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance to FCRA guideline. I am requesting for accounts below : 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 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am placing in a complaint to your credit agency as I have requested below several times for the accounts and your credit reporting bureau has failed to provide proof of documents used during investigation. I am not asking for info from a data furnisher. I am requesting a human to review.

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance to FCRA guideline. I am requesting for accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

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 m

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 2025-05-20 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: TX

Complaint narrative:
On XX/XX/year>, I paid a utility collection in full to XXXX XXXX XXXX XXXX for a XXXX XXXX account. I have documentation showing the check was cashed and deposited by XXXX XXXX. On XX/XX/year>, I received a letter from XXXX XXXX confirming payment. 

Despite this, Equifax continues to report the account with a {$0.00} balance but falsely labels it as Paid Less Than Full Balance. This is not true. I never settled or paid less than what was owed. There was no negotiation or forgiveness, just a full payment. 

Additionally, this account is for a utility, not a credit tradeline, yet Equifax is reporting it as a derogatory collection account. That violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate and relevant information. Reporting a non-tradeline utility collection as a credit item is inaccurate and misleading. 

I have submitted disputes to Equifax multiple times, with full supporting documents, and they continue to verify this item as accurate. This is now my third attempt to have this issue resolved. I also contacted XXXX XXXX twice on XX/XX/XXXX and XX/XX/XXXX and was promised a release letter that I never received. 

I am requesting a complete deletion of this account from my Equifax report. I am not requesting a correction. This account does not belong on my credit file under FCRA guidelines and is harming me financially, emotionally, and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing this letter to give you notice that you are violating my consumer rights and you may be liable for damages for your willfu

l negligence and willful noncompliance. Pursuant to 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) Definitions ; rules of construction ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definition : of a PERSON based on Congress is as follows The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So under 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) ( Company Name ) is a corporation and is considered a person by definition.

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 2025-05-20 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 recently reviewed a copy of my credit report and I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that was not open by me. Please remove these fraudulent accounts as soon as possible. I also found inquiries from creditors I did not give my consent to run my credit. I have no knowledge of these inquiries please remove them as soon as possible from my credit report. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX victory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX global lending XXXX XXXX XXXX XXXX co 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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/year> Citi Bank closed XXXX XXXX of my XXXX XXXX  accounts due to a paid or unpaid Account from Equifax where they had my file mixed with somebody else, have since then been fixed. I contacted citi bank, was told the only way my Account can be reopen is what I needed to XXXX citibank XXXX office, send them a corrrected copy of my Equifax report showing that the error has been corrected. The Accounts that was closed due to this error was XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX. All of my Accounts are in good standing, I have attached a copy of the letters from XXXX XXXX XXXX XXXX  also a current copy of my Equifax consumer report showing I have no negative actions on my Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: HI

Complaint narrative:
Several companies have accessed my credit report without my authorization, negatively affecting my credit and score. Although a representative previously assured me these inquiries would be removed, they remain on my report. These unauthorized entries are deeply concerning, possibly indicating identity theft, and continue to cause undue stress and harm to my financial well-being.

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