vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
This is a formal and legitimate complaint that requires immediate corrective action. My credit report contains blatantly inaccurate information, in direct violation of the legal requirement for maximum possible accuracy. These errors are causing serious and ongoing harm to my financial standing and overall well-being. I demand a prompt and thorough investigation. All false, inaccurate, or unverifiable entries must be corrected or permanently removed without delay. This matter must be resolved immediatelyany failure to act will constitute a serious breach of duty and will result in swift escalation.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I lost my Jet Blue credit card in XXXXXXXX XXXX XXXX and immediately called the company to report that it was missing. Ever since, I have repeatedly both emailed and sent the ID verification documents that were requested, and every time, the company reported some type of issue with the ID verification documents, without reviewing what was previously sent without issue. 

The copies were always faxed from a XXXX or other shipping store, and there should have been no issue with the readability. 

They also said at times that they did not receive the documents, but when I asked for a direct contact number, they said no. 

Now the company wants me to pay my annual fee, despite not having had access to the card for over a year, and despite having sent the documents they requested close to XXXX times. 

Please assist.

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 2025-06-10 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:
I submitted a formal Method of Verification ( MOV ) request to TransUnion on XX/XX/year>XXXX  under FCRA 611 ( a ) ( 7 ), requesting the name, address, and phone number of the party who verified each disputed account, a description of the verification process used, and copies of any supporting documentation. I included all negative accounts that were previously marked as verified as accurate during earlier disputes. These accounts included : XXXX XXXX XXXX XXXX Account ending XXXX {$22000.00} balance, charged off XXXX XXXX XXXX XXXX Account ending XXXX {$3900.00} balance, charged off XXXX XXXX XXXX  XXXX XXXX ( Personal Card ) Account ending XXXX {$2500.00} balance, 90+ days late XXXX  XXXX ( Business Account ) Account ending XXXX {$1500.00} balance, 90+ days late XXXXXXXX XXXX XXXX Account ending  XXXX {$530.00} balance, 120+ days late XXXX XXXX XXXX  Account XXXX XXXX Closed, derogatory history ( previous late payments, XXXX ) TransUnion responded by stating that the items were verified as accurate but did not provide the requested documentation, the name and contact information of the verifying party, or details about the verification process as required under FCRA 611 ( a ) ( 7 ). 

I am concerned that TransUnion failed to properly investigate my dispute and did not provide the required information to allow me to understand how the items were verified. I believe this is a violation of the Fair Credit Reporting Act.

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 2025-06-10 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:
This complaint serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : XXXX. Investigate the dispute within XXXX  days ( or XX/XX/XXXXdays under certain conditions ) ; XXXX. Notify the furnisher of the dispute ; XXXX. Correct or delete inaccurate, incomplete, or unverifiable information ; and XXXX. Provide me with the results of your reinvestigation. 

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under XXXX U.S.C. XXXX and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law. 

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within XXXX days of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX, NY 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 2025-06-10 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: MO

Complaint narrative:
This is a formal and legitimate complaint requiring immediate corrective action. My credit report contains blatantly inaccurate information that violates the legal standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial standing and personal well-being. I demand an immediate and comprehensive investigation. All false, inaccurate, or unverifiable entries must be corrected or permanently removed without delay. This issue must be resolved without further excuse failure to act will be considered a serious breach of responsibility and will lead to immediate escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I am writing to formally dispute the presence of an account currently listed on my credit report. This account is entirely unfamiliar to me I have no knowledge of it, Ive never opened or authorized it, and Ive had no involvement with it whatsoever. 

It is imperative that this mixed or inaccurate data be removed from my credit report immediately. Including information that does not belong to me is not only misleading, but it has the potential to negatively impact my creditworthiness and cause unnecessary complications with lenders, insurance companies, or any other parties that review my report.

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 2025-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
Account UNITED REVENUE # XXXX I'm unware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification please provide Certified Mail with receipt displaying my signture if not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohls/ capital one is reporting the exact same credit card account twice on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am incredibly frustrated to see an unauthorized inquiry suddenly appear on my credit report this morning. I check my report regularly, and this discrepancy came out of nowhere. I even refreshed the page hoping it was a glitch, but it stayed the same. I need this investigated and resolved immediatelyplease review the documents I submitted thoroughly so I wont have to worry about this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
Let me be absolutely clear : this complaint is valid and not made in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These inaccuracies are causing serious and ongoing harm to my personal and financial well-being. The impact is severe and deeply burdensome. These are extremely challenging times, and the correction or removal of these inaccuracies is not just helpfulit is essential and urgently needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
This is a formal and legitimate complaint requiring immediate corrective action. My credit report contains blatantly inaccurate information that violates the legal standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial standing and personal well-being. I demand an immediate and comprehensive investigation. All false, inaccurate, or unverifiable entries must be corrected or permanently removed without delay. This issue must be resolved without further excuse failure to act will be considered a serious breach of responsibility and will lead to immediate escalation.

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 2025-06-10 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: NV

Complaint narrative:
I experian today and sent letters advising that inquiries about my report were fraudulent. I did not authorize them. 

XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding multiple closed student loan accounts that continue to appear on my credit report, despite being over 10 years old and having no late payments. Under the Fair Credit Reporting Act ( FCRA ), most negative information, including closed accounts with no derogatory activity, should not be reported beyond 7 years from the date of final activity or delinquency. 

The following accounts are still being reported despite being closed, fully paid, and in some cases over XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mos These accounts are closed, paid off, and show no late payments, yet they are still reflected in my credit file, affecting my score and public perception. I have tried disputing with the credit bureaus, but the items were not removed. 

I am requesting that the CFPB investigate this matter and compel the relevant credit reporting agencies and data furnishers to remove these outdated accounts immediately in accordance with the FCRA ( Section 605 ( a ) ). 

Thank you for your time and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have asked him more times for information on where all this is coming from. I dont have any capital ones of any capital ones in ever sign for I asked for them to send me information and I have not received anything they shall XXXX XXXX. They showed wrong balances theyre on some of my credit files and theyre not on others. Theyre inconsistency is costingthey report inaccuracies on XXXX XXXX XXXX they say I have multiple cards and I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
XXXX XXXX a victim of identity theft demand the removal and deletion of listed accounts : XXXX XXXX  Account XXXX Date Opened XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Date Opened XXXX I am submitting this complaint because a credit reporting company failed to block fraudulent information from my credit report as required under Section 605B of the Fair Credit Reporting Act. 

I am a victim of identity theft and have provided all the required documentation under FCRA 605B to the credit bureau, including : A copy of a valid government-issued ID ; A copy of a police report or FTC Identity Theft Report documenting the identity theft ; A written statement identifying the specific fraudulent items and requesting the blocking of such information. 

Despite providing these documents and making the request on [ insert date ], the credit bureau has failed to block the disputed information within the required 4-business-day window or has reinserted the information without providing proper notice, which violates FCRA Section 605B.

As a result, the fraudulent information remains on my credit report and is negatively affecting my creditworthiness, including being denied credit and/or receiving unfavorable terms due to the presence of accounts or inquiries that are not mine. 

I am requesting that the CFPB take action to ensure the credit reporting agency complies with its legal obligations under FCRA 605B and immediately and permanently block the fraudulent information from my credit report.

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