vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
I am a victim of identity theft. For XXXX  years fraudulent accounts hard inquiries and addresses have appeared on my Credit file without my authorization. Some items that were previously removed have been reinserted causing continued harm. I am invoking my rights under 15 USC 1681C-2NFCRA605B to block and permanently remove all fraud on accounts, inquiries and addresses. I request the CFPB ensure the credit reporting agencies comply with the law and prevent reinsertion of this information so my credit could be corrected. I also am adamant about no consumer alerts, consumer statements, fraud, alert, alerts, extended fraud, alerts, or any internal flags that a lender might see from one of the credit reporting agencies that would make me look bad or defend me or caused me not to get alone because of what is placed in there that I can not see.

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 2025-09-30 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law

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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the continued and unlawful reporting of fraudulent account information on my credit report, specifically in relation to identity theft, which has been documented and substantiated through official channels.

Identity Theft Dispute History : Round 1 Dispute : Submitted on XX/XX/, including a full police report and identity theft affidavit. 
Round 2 Dispute : Escalated on XX/XX/, with a formal demand for removal of the fraudulent item. 
Round 3 Dispute : This communication serves as my final demand, as the furnisher has failed to act in compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal statutes.

Fraudulent Account Still Being Reported : Creditor : XXXX XXXX and XXXX XXXX  Status : Identity theft confirmed via police report Despite multiple disputes and legal documentation proving that this account is the result of identity theft, XXXX XXXX and XXXX XXXX  continues to report this account on my credit file, which is a direct violation of federal law. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that : XXXX XXXX XXXX Bank permanently deletes the fraudulent account from all consumer reporting agencies. 
Any other furnishers ( if applicable ) cease reporting fraudulent data and correct their records. 
My rights under the FCRA and related statutes are upheld. 
This matter has caused continued and unnecessary harm to my credit profile, despite my efforts to resolve it through all appropriate legal and administrative channels.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
this debt owed was an identity theft which i did not know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NV

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial and personal life. I insist that these inaccuracies be fully reinvestigated and either corrected or removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've been a loyal Chase customer for many years. Recently, my credit limit was lowered {$700.00} on XXXX of my credit cards. I was told by the Chase rep that the reason was because my card is constantly over the limit. However, that information is false. My payments are on time and they make plenty of money off of my interest. I want a valid explanation as to why I am being penalized and my credit score being negatively affected due to their arbitrary actions. This is not how you treat your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates LLC had a previous disposed case reopened with representation by XXXX XXXX XXXX XXXX, in which a default judgment was awarded against me due to using the deceptive tactic of sending a Notice to Appear to an address I resided at for XXXX yrs ago, along with granting them permission to place a Writ of Garnishment on my account. 
My previous address XXXX yrs ago has never correlated to the account in question. All correspondence on this case is only associated with my current address. Even if the account were associated with my previous address, the USPS would have forwarded the document to me, as I placed an address change from that address XXXX yrs ago. 

XXXX XXXX XXXX falsely, deliberately and intentionally claimed to the courts they properly informed me of this action, which was false. I NEVER received the Notice to Appear resulting a default judgment against me along with garnishment against my only bank account, as they knowingly sent the Notice to Appear to an old address. Portfolio Recovery Associates LLC has my current address on file, as this was reopened. XXXX XXXX XXXX XXXX XXXX XXXX and had filed in the courts as recent as 2024. After issuing the Writ of Garnishment, they then mailed documents to my current address. 

By using my previous address from XXXX yrs ago, the wrongfully notified a third party about details of my " debt ''. The harassment of reopening the case after being disposed, has caused financial hardship. If I would have been afforded the opportunity to appear in court, the writ of garnishment would not have been executed. By sending the notice to the incorrect address, interfering with me appearing in court, they intentionally and wrongfully communicated to the courts I chose to avoid participating in this hearing and/or ignored documents by not responding to this lawsuit defaming my character, as well as violating my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am a victim of identity theft. Accounts and hard inquiries were placed on my credit reports without my knowledge or consent. I did not authorize these applications or accounts, and I have no relationship with the companies involved. 

On reviewing my credit reports, I discovered multiple fraudulent accounts and inquiries reporting against me. I contacted the companies and requested proof of authorization, signed applications, or contracts verifying that I had opened these accounts. They failed to provide the requested documentation or remove the fraudulent information. 

These accounts and inquiries are inaccurate, unverifiable, and the result of fraud. They are negatively impacting my credit, causing financial and personal harm. I am requesting immediate investigation, removal, and permanent blocking of all fraudulent accounts and inquiries from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for a Capital One XXXX XXXX credit card and was approved, but the limit is lower than the other comparable credit cards on my credit report. I asked the customer service department to transfer me to someone who could help me reconsider that limit, and they refused. I need the {$300.00} limit to be reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
Dear Equifax 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Carmichael & Frost LLC
State: MI

Complaint narrative:
I received an email from XXXX XXXX XXXX Carmichael & Frost , LLC, of their intent to litigate for their client, XXXX XXXX XXXX from XXXX XXXX XXXX  ( formerly XXXX XXXX XXXX  XXXX on an alleged debt from either XXXX or XXXX. The debt they claim is owed is for {$1400.00} and they claim repeated notices and demands have gone unanswered. 
I will state they XXXX contacted me about a year ago and demanded payment. I sent them a letter requesting they verify the debt with me and I only received a self-serving letter from them. Not information about my alleged agreement to be personally responsible for this debt was ever provided. 
XXXX XXXX also stated that I had allegedly agreed to XXXX as the venue for any legal proceedings. Again, no agreement or any other verification documents were provided to me. 
This debt was allegedly incurred in either XXXX or XXXX for a company I worked for XXXX XXXX XXXX XXXX, XXXX. I left that company in early XXXX. 
The debt, if valid, is over 6 years and should be barred by the statute of limitations. 
In addition, I received an email today from XXXX XXXX, who works at Carmichael & Frost. She is threatening to freeze my bank account, file a lien. 
She states : " ... the client has decided it will be advantageous to freeze your bank account. Once the process commences, it would like to take place without your knowledge. when your bank or credit union receives an order from the court to freeze your bank account, it must do so immediately, with notifying you first. '' Such tactics to collect are illegal, especially on time barred debts. 
I am sending them a certified letter requesting verification of the debt and also informing them the debt is time barred. I am also requesting that they cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Company : Citibank , N.A . 

Product : Credit Card Issue : Improper reversal of resolved dispute / failure to honor written resolution Complaint Narrative : On XX/XX/year>, XXXX charges from XXXX XXXX appeared on my Citi credit card : XXXX for {$190.00} and another for {$180.00} I disputed these charges because XXXX issued incorrect travel tickets. I provided Citi with documentation, and on XX/XX/year>, Citi sent me a written email confirmation stating my disputes were resolved in my favor and that the conditional credits were now permanent and will be credited back in the account within 3-5 bussines days. 

Despite this, Citi later reversed its decision and refused to honor the permanent credits. On XX/XX/year>, I received another letter from Citi stating that the timeframe to resolve the dispute has passed and that their investigation is now closed. 

This response is improper and unlawful because : 1. Citi had already formally resolved my disputes and confirmed permanent credits in writing.

2. Under the Fair Credit Billing Act ( FCBA ) and XXXX  General Laws Chapter 93A, once a permanent credit is granted, Citi can not revoke it based on an expired timeframe.

3. Their reversal has caused me direct financial harm and is a deceptive and unfair practice.

I also mailed Citi a formal Chapter 93A demand letter via certified mail ( delivered to Citis Credit Card Dispute Department in XXXX XXXXXXXX XXXX ). Citis refusal to comply strengthens my claim for treble damages under state law.

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 monetary relief