vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : 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 In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am following up on a past dispute regarding the account listed below. Inaccurate and incomplete data still remains on my credit report. XXXX now formally requesting the steps you took to investigate the account. As legally required, this information must be provided within XXXX  days. If not, or if verification can not be confirmed, the account should be deleted. My previous dispute letter is attached for your reference. I look forward to your prompt reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX owed as of XXXX XXXX is {$510.00}, but my Experian credit report is reflecting a XX/XX/XXXX XX/XX/XXXXbalance of {$1300.00} and has not been updated since XXXX of XXXX. I have reached out to XXXX XXXX directly and they stated they report at the end of each month. I have disputed directly with Experian, they stated that they have gather information directly from XX/XX/XXXXXX/XX/XXXXand that my past due balance on my XXXX XXXX account is accurate and up to date and will remain the same. But that is false. 

XX/XX/XXXX-is listed as "XX/XX/XXXX but is still a XX/XX/XXXXaccount on my current Experian Credit Report. I paid off the owed amount and it is still reflecting on my credit as a XX/XX/XXXXmark. With a status update date of " XX/XX/XXXX. '' XXXX Account-is XXXX as " XX/XX/XXXX'' but is still a XX/XX/XXXXaccount on my current Experian Credit Report. I paid off the owed amount and it still is reflecting on my credit as a XX/XX/XXXXmark. With a status update date of " 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 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX owed as of XXXX XXXX is {$510.00}, but my Experian credit report is reflecting a XX/XX/XXXX XX/XX/XXXXbalance of {$1300.00} and has not been updated since XXXX of XXXX. I have reached out to XXXX XXXX directly and they stated they report at the end of each month. I have disputed directly with Experian, they stated that they have gather information directly from XX/XX/XXXXXX/XX/XXXXand that my past due balance on my XXXX XXXX account is accurate and up to date and will remain the same. But that is false. 

XX/XX/XXXX-is listed as "XX/XX/XXXX but is still a XX/XX/XXXXaccount on my current Experian Credit Report. I paid off the owed amount and it is still reflecting on my credit as a XX/XX/XXXXmark. With a status update date of " XX/XX/XXXX. '' XXXX Account-is XXXX as " XX/XX/XXXX'' but is still a XX/XX/XXXXaccount on my current Experian Credit Report. I paid off the owed amount and it still is reflecting on my credit as a XX/XX/XXXXmark. With a status update date of " XX/XX/XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance. ''

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 2025-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a XXXX XXXX XXXX XXXX any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a XXXX XXXX XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX XXXX ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX  ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of XXXX  which antedates the report by more than XXXX  years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX  card account under an XXXX XXXX XXXX XXXX  plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-17 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: FL

Complaint narrative:
To : XXXX XXXX XXXX XXXX  Attn : XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease Communication Demand Pending Debt Validation and Full Accounting Dear XXXX XXXX, This letter serves as formal notice that I continue to receive mail and other communications from XXXX XXXX XXXX XXXX  and/or associated representatives , including those addressed through XXXX XXXX, despite having previously requested that all such communications cease until the alleged debt has been properly validated.

As stated in prior correspondence, I am requesting the following information pursuant to my rights under the Fair Debt Collection Practices Act and applicable laws : Validation of the Alleged Debt A full and complete validation of the alleged debt in question.

Clear identification of the original creditor.

Documentation showing your legal authority to collect this debt.

Full Accounting A detailed accounting of the alleged obligation.

An explanation of how the amount claimed was calculated.

A certified copy of the original promissory note with signatures.

Until the above information is provided in full and verified, I insist that all collection efforts and further communications cease immediately. Continued contact without compliance may be construed as harassment and a violation of my consumer rights, which I will not hesitate to pursue through appropriate legal channels.

This notice is sent in good faith and with the expectation of compliance. Please govern yourselves accordingly.

Sincerely, XXXX XXXX XXXX agent on behalf of Principal 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted dispute letters to Equifax, Experian, and TransUnion in XX/XX/2025 regarding an inaccurate collection account reported by XXXX XXXX XXXX, originally associated with XXXX. 
I requested a full reinvestigation under FCRA XXXX and validation of the account under FDCPA XXXX. I clearly stated that I did not recognize this debt and requested documentation including : A signed contract or original agreement, Proof of assignment from XXXX to XXXX XXXX, A full breakdown of the charges, Evidence the debt is within the Texas statute of limitations. 
Despite sending these disputes, the bureaus either failed to respond with proper documentation or verified the account without producing any proof of accuracy or ownership. 
This failure violates FCRA 1681e ( b ) and 1681i ( a ). I am attaching all original dispute letters for reference. I am requesting the deletion of this unverifiable account from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am submitting this complaint because certain accounts continue reported on my credit file despite recent reinvestigation results that removed negative remarks the accounts in questions are : XXXX XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$5300.00} XXXX XXXX XXXX XXXX  - BALANCE {$1400.00} XXXX XXXX XXXX XXXX BALANCE {$1900.00} BETWEEN XX/XX/XXXX AND XX/XX/year> MY CREDIT REPORTS WERE UPDATED TO REMOVE TERMS SUCH AS " CHARGED OFF '' " MEDICAL '' AND CLOSED BY CREDIT GRANTOR. THE SUGGESTS THE FURNISHERS COULD NOT VERIFY THE REPORTED INFORMATION. HOWEVER, THE ACCOUNTS ARE STILL BEING REPORTED WITH BALANCES AND ACTIVE STATUSES. 

I AM REQUESTING THAT THESE ACCOUNTS BE DELETED UNLESS THE FURNISHER CAN PROVIDE FULL VERIFICATION INCLUDING ORIGINAL SIGNED CONTRACTS AND ACCURATE ACCOUNT DETAILS. I HAVE ATTED SUPPORTING EVIDENCE INCLUDING A LETTER AND SCREENSHOTS. 

PLEASE ASSIST IN REVOLVING THIS MATTER AND CONFIRM WHEN IT HAS BEEN CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX  began collection attempts after allegedly purchasing the debt on XX/XX/XXXX. I disputed the debt in XX/XX/XXXX and XX/XX/XXXX, requesting validation, including an unredacted forward flow agreement and proof the debt was not securitized. XXXX provided a redacted Bill of Sale ( XX/XX/XXXX ) and non-specific Affidavit ( XX/XX/XXXX ), which are invalid. In XX/XX/XXXX, XXXX  via XXXX XXXX XXXX, XXXX, threatened a lawsuit based on inaccurate credit data. My XXXX  report ( XX/XX/XXXX ) confirms XXXX errors, and Capital Ones tradeline removal obscures the debts history ( e.g., XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). These actions lowered my credit score, affecting loan applications, and caused stress. As of today XX/XX/XXXX, I have been served with court papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX  - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX CAP XXXX NA Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 2025-06-17 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: CA

Complaint narrative:
I just noticed my credit score had a decrease a few months ago, I checked my reports and noticed multiple hard inquiries that were without my consent. Here is a list of each inquiry that was submitted without my consent along with their dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-06-17 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: TN

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-06-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation