vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX I, XXXX XXXX XXXX XXXX am the original complainant and authorized party in CFPB Case ID XXXX ( and prior Case ID XXXX ). 

I did not authorize Capital One to investigate this matter. I filed this complaint directly and have never assigned third-party representation or legal counsel. 

Capital Ones claim that the complaint was submitted by an unauthorized party is false and appears to be an intentional deflection to avoid addressing the FCRA violations described in my complaint. 

My claim remains valid and unaddressed : Capital One is furnishing data to the consumer reporting agencies without written instruction, contract, or permissible purpose, in violation of 15 U.S.C. 1681b ( a ) ( 2 ) and 1681e ( b ). 

I am now resubmitting this complaint ( or requesting CFPB to re-open it ) under my own name, and I request the immediate deletion of this tradeline from all CRAs or full legal validation of its basis.I, XXXX XXXX XXXX, verify that I am the direct complainant in this matter and the information submitted was done personally by me and under my authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
I am a victim of identity theft and previously submitted a valid identity theft claim to Equifax on XX/XX/year>. I provided all documentation required under 15 U.S. Code 1681c2 ( a ), including : 1. Proof of my identity 2. A copy of an identity theft report 3. Identification of the fraudulent accounts 4. A signed statement affirming the information does not relate to any transaction I made Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to block fraudulent information from my credit report within four ( 4 ) business days of receiving these materials ( per 15 U.S. Code 1681c2 ( a ) ). Despite my full compliance, Equifax continues to report the identity theft-related accounts, in direct violation of this federal law. 

Additionally, an account from XXXX XXXX XXXX, which was previously blocked due to identity theft, has reappeared on my credit report. This is a clear violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( C ), which mandates that credit reporting agencies maintain reasonable procedures to prevent the reappearance of deleted information. 

I have made multiple phone calls to Equifax in an effort to escalate this issue, but they have refused to permanently block the fraudulent accounts and have failed to comply with the law. 

Equifax is knowingly reporting accounts resulting from identity theft and allowing previously removed information to be reinstated. These actions constitute multiple violations of the FCRA. 

I am now requesting immediate intervention to : - Ensure compliance with 15 U.S. Code 1681c2 ( a ) and 1681i ( a ) ( 5 ) ( C ) - Permanently and promptly block all fraudulent accounts - Permanently remove any reappeared accounts that were previously blocked - Provide written confirmation that these accounts have been permanently blocked and will not reappear All documents previously submitted to Equifax are attached under the filename XXXX XXXX Equifax Notarized Letters. 

Enclosures : Original dispute letters ; [ ID/SS Card ] ; FTC Report ; Proof of when Equifax received the original dispute letters, certified mail receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-19 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: FL

Complaint narrative:
I am filing this formal complaint against the following debt buyers and credit reporting agencies for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TransUnion XXXX Equifax - Experian These companies are reporting or collecting on alleged debts without proper validation or verification. I have exercised my right to dispute these debts under 15 U.S. Code 1692g ( b ), yet the entities continue to report and/or attempt collection without supplying the legally required documentation.

Additionally, credit bureaus are in violation of : - 15 U.S. Code 1681s-2 ( b ) : Failure to properly investigate disputes - 15 U.S. Code 1681e ( b ) : Failure to maintain accurate information These violations are ongoing and have caused harm to my credit profile, financial opportunities, and emotional distress.

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 2025-06-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Have been receiving emails for months about a student loan debt I do not owe. It has been XXXX  years since I have been at that XXXX  and I do not owe any further XXXX  loans ( government or personal ). I have never received any sort of correspondence outside of email, such as a physical letter delivered by the postal service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
According to Law 15 U.S.C 1692C you have violated my rights in lawful communications please remove this collection off my credit report thank you There are several inconsistencies with my credit report with some bureaus reporting wrong names of creditors different payment dates and some stating that accounts are profit and loss

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 2025-06-19 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: DC

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 non-monetary relief
Consumer complaint received 2025-06-19 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: DC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services 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 explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-06-19 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 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 XXXX 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 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 2025-06-19 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: NC

Complaint narrative:
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 XXXX 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 explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
This complaint concerns two charge-off accounts that Experian continues to report inaccurately despite both being legally settled and fully resolved. The first is an account with XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which was legally paid in full for less than the full balance through a creditor-approved settlement. The second is an account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which was also resolved via a legal settlement and paid in full for less than the total balance. Experians failure to clearly reflect these facts misrepresents the true status of the accounts and portrays a misleading picture of my credit obligations.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), Experian is required to report only complete and accurate information. Reporting these accounts as unresolved charge-offs, or failing to acknowledge that a legal and binding settlement was reached, violates this provision. These inaccuracies have affected my credit standing and my ability to obtain new lines of credit, despite having responsibly resolved the accounts.

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 2025-06-19 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:
I am filing this complaint regarding a fraudulent third-party debt collection account listed on my consumer credit file under the name XXXXXXXX XXXX XXXXXXXX, account number XXXX. 

I have no relationship, agreement, or contract with this company, nor have I ever authorized them to collect or report any debt on my behalf. This account is the result of identity theft, and I have already taken the appropriate legal steps to address it including filing an Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to FCRA 605B.

Despite having previously disputed this account, submitted documentation, and requested removal, it continues to reappear on my credit file. This pattern of behavior is not only negligent but may constitute willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Under : FCRA 605B, any account confirmed to be fraudulent and accompanied by an identity theft report must be blocked within 4 business days.

FCRA 623, data furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate or disputed.

FCRA 616 and 617, continued reporting of false or unverifiable information after being informed of its inaccuracy subjects the furnisher and others involved to civil liability and damages. 

At this point, I believe my rights as a consumer are being blatantly disregarded. I am requesting the immediate and permanent removal of this account from all consumer reporting databases. I expect this matter to be treated with the urgency it demands to avoid further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief