vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681c ( a ) ( 5 ) ), adverse information such as late payments may not be reported more than seven years from the date of the first delinquency that led to the negative status. I have disputed having late payments on my student loan accounts with TransUnion because the first date of delinquency with XXXX was XX/XX/year>. The other credit reporting agencies have already removed this adverse history. 

I spoke with a " specialist '' today at TransUnion named XXXX regarding this adverse history still being reported and after an hour of conversation her reasoning was " I can understand your concern, Since the accounts are reported as deferred. You need to contact your lender to correct this. '' I have already reached out to XXXX ( who is the creditor of my student loans ) and they advised me to dispute this with TransUnion.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear American Express Credit Reporting Department, I am writing to formally dispute and file a complaint regarding the inaccurate reporting of an American Express account that has been charged off and closed for several years, yet continues to be reported on my credit file as recently delinquent with ongoing late payments. 

This is factually incorrect and a violation of the Fair Credit Reporting Act ( FCRA ). Once an account has been charged off and closed, it is no longer legally allowed to accrue additional late payments or report as such. The continued updates to this account as past due are misleading, harmful, and entirely improper. 

A

s a result of your erroneous reporting : M y credit score has been unjustly harmed ; My payment history has been misrepresented ; I have been denied access to credit and financial opportunities ; My rights under federal consumer protection laws have been violated. This is not only a factual inaccuracy but also grounds for legal action if not promptly corrected. I demand that you : 1. Immediately delete this
account in its entirety from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX  ), or Please provide a written response confirming your investigation, including a copy of any documentation used to verify the reporting. If this matter is not resolved within 30 days, I will pursue legal representation. 
I expect your cooperation and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE 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 non-monetary relief
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a debt that appears on my credit report, which I believe is the result of identity theft. 

I did not open this account, nor did I authorize anyone to do so on my behalf. I first became aware of the fraudulent account/debt when I reviewed my credit report from Equifax, and I have since taken steps to report the identity theft. 
I am requesting that this fraudulent account be removed from my credit report and that the associated inquiry be deleted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I sent Experian a formal dispute letter via USPS Certified Mail ( proof of delivery attached ). The letter identified multiple inaccurate, unverifiable, and misleading tradelines and requested their deletion in accordance with the Fair Credit Reporting Act ( FCRA ).

Experian received the dispute but failed to mark the accounts as disputed until XX/XX/year>, nearly one month later and only after I filed a CFPB complaint. This violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 3 ) Failure to indicate that an item is disputed in a timely manner 15 U.S.C. 1681s-2 ( a ) ( 3 ) Furnishers must report dispute status to credit bureaus 15 U.S.C . 1681i ( a ) ( 6 ) ( B ) ( iii ) Must provide consumer with verification method and furnishers contact info 15 U.S.C. 1681e ( b ) Failure to maintain accuracy and completeness of data 15 U.S.C. 1681c ( a ) ( 45 ) Reporting outdated or obsolete accounts 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance I have not received the required reinvestigation results, method of verification, or contact details for any furnishers. Experians delay and failure to act within the FCRAs required timeframes constitutes willful noncompliance. The following accounts were disputed : -- - Disputed Accounts : XXXX. XXXX Re-aged account reporting beyond allowed timeframe No original documentation or breakdown provided Violates 1681c and 1681i 2. XXXX XXXX XXXX documentation proving ownership of debt Chain of title not established Conflicting balance and dates XXXX. XXXX XXXXXXXX XXXX XXXX  Still reporting balance on a closed/paid account Possible duplication across reports No verification or response to investigation request XXXX. XXXX XXXX XXXX tradeline Incorrect balance and history No verification provided XXXX. XXXX XXXX Third-party debt collector Can not produce original account details or contract Debt may be time-barred or misreported -- - > I am requesting the immediate and permanent deletion of all accounts listed above. These entries remain unverified, and Experians delay in noting disputes is a clear FCRA violation. I also requested the results and documentation of the reinvestigation under 1681i ( a ) ( 6 ) and was ignored.

If not resolved, I will proceed with complaints to the Illinois Attorney General, the FTC, and reserve the right to take civil action under 1681n and 1681o.

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 2025-07-09 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: GA

Complaint narrative:
My information was leaked in data breech from all 3 credit reporting companies

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 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Was DELIQUENT ON ACCOUNT ADVISED 2 MAKE 2 PAYMENTS AND MY LOAN WOULD QUALIFY FOR A DEFERRMENT AS IM MEDICALLY SICK WILL ILLNESS MADE THE REQUIRED XXXX $ PAYMENT WENT FURTHER TO MAKE ADDITIONAL PAYMENT 3 PAYMENTS THIS COMPANY LIED TO ME... DID NOT GIVE ME DEFERRMENT IN TIMELY FASHION. WAS NOT EVEN NOTIFIED OF ANYTHING AT THIS POINT. I CANCELLED THE 3RD PAYMENT NOT EVEN REQUIRED. I MADE THE 2 PAYMENTS AND THIS COMPANY DID NOT PROCESS MY REQUEST. LIED TO OUTRIGHT. WAS HASSLED BY AN EMPLOYEE XXXX.. 

Asking for deferrment granted and and all associated late fees Asking ALL NEGATIVE LATE TRADELINES BE REMOVED FROM ALL CREDIT BUREAUS DUE TO ME HAVING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX XXXX XXXX ( XXXX ) XXXX / CAPITAL ONE, N.A. / NEIMAN MARCUS filed a court case involving XXXX XXXX ( myself ) owing {$14000.00} to Neiman Marcus. I contacted the company XXXX XXXX and they said that a Neiman Marcus account was open since XXXX. Since then I havent been involved with any purchases that put me in a position making me owe {$14000.00}. Not until recently XXXX, there has been fraudulent activity involving my name saying that I made purchases which had never happened. All of a sudden the court case was opened and the judge involved approved it without any notice of debit owed. XX/XX/XXXX XXXX XXXX XXXX XXXX firm Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, came into my bank account and seized all my assets and froze my account. Today in XX/XX/XXXX, and they have still frozen my account. I reached out to XXXX XXXX XXXX asking about more information about how much a verification of the debit, and by who. They wouldnt tell me much information besides who to contact for more details. So they sent me to portfolio recovery, when I talked on the phone with them XXXX XXXX I requested a letter of validation. In their record it shows that they requested it and they told me to wait XXXX business days for it to be mailed in. I called back again XX/XX/XXXX to confirm the letter of validation just to find out that they never mailed it to my location and said that it was outside the period of validation. So to find further details on the matter, I asked when was the charge made, where, when did the validation period end, why was I not given notice of this XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX? 
How come there was no information provided about what happened? 
After asking for more details they said that the account was opened in XXXX with Neiman Marcus, and that all the information they could give me. 

So from XX/XX/XXXX, XXXX XX/XX/XXXX I have not been able to make my auto payments for my mortgage, car notes, insurance, food, gas, and on top of that I couldnt receive any money from my work. The more I ask for information over the subject the more I dont knows Im hearing from the companies and law firms that took everything from me and my family. 
Please I am begging, can I get some help over the matter. When I checked my social security account I noticed there are phone numbers and address on there that I have no involvement in along with accounts opened that Ive never heard of. 
I strongly believe that my identity has been stolen and been used creating all this hardship on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX ( Account Number : XXXX ) that appears on my credit report. I have no knowledge of this account and did not authorize or open it. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation. If the account can not be properly verified, I request that it be removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2025-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
After being a customer more then 49 years and having a credit limit of {$69000.00} I feel the bank was looking for a reason to drop me as a customer. All of which would have been fine had they not tried to ruin my credit to do so. I started using another credit card about 5 years ago when Bank of America was not willing to match their offer. I slowly began to use a their card less and less. Instead of offering me a similar deal I feel they just wanted end our relationship. So to accomplish that task, they without my knowledge, put me on email statement delivery. Something I would never knowing agree to. They then wanted until I used it their card and waited 60 days to notify me in writing of a {$60.00} charge. I looked through my records and agreed I owed and promptly paid. Payment was made within 4 days written notification, 2 of which were the weekend. Payment would have been made on time had I known. My main Question to them was why they didn't contact me sooner, other than e-mail, which was clearly not working. Knowing how well I had paid my bills in the past why would you want to drop me as a customer after and go after my credit rating? Not fair.

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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 INQUIRIES : XXXXXXXX XXXX XXXX  Date : XX/XX/year>

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 2025-07-09 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a complaint pending but XXXXXXXX XXXX is not researching the issue, and keep reporting the debt as accurate. I have filed two Affidavit, one in XX/XX/XXXX and second on XX/XX/XXXX. I have even given them the address of the person who opened the account using my name, based on XXXX credit card statement from XXXX. The account was opened by someone using my first and last name but living in TX. I live in MD and have never lived in TX. I dispute the charges with TransUnion and they contact XXXX XXXX  and they confirm the account is accurate and it is not. I never opened the account, never made any charges totaling {$34000.00}. 

Still all started in XX/XX/XXXX, and I have been sending emails, letters and making phone calls. I filed a telephone dispute on XX/XX/XXXX and was told they would have an answer within 30 days. Called today and just got passed from one phone number to another, but no final answer. 

It is hurting my credit score if I would needed a loan Not sure what S.S, was used to open the account XXXXXXXX XXXX, that I didn't open, but it is showingup on my S.S. with TransUnion

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 2025-07-09 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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