vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-12 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-12 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.

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX # XXXX has violated my rights According to the Fair Credit Reporting Act, account XXXX XXXX # XXXX has violated my rights According to the Fair Credit Reporting Act, account XXXX # XXXX has violated my rights According to the Fair Credit Reporting Act, account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. According to the Fair Credit Reporting Act, account XXXXXXXX XXXX XXXX XXXX has violated my rights Title 15 of the XXXX XXXX Code, Section 602 A, states that I have the right to privacy Title 15 of the XXXX XXXX Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-08-13 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX  DEPT ED # XXXX - Date Opened XX/XX/XXXX XXXX DEPT ED # XXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX  XXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX  XXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX DEPT ED XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I requested a copy of the 1099C filed for the charged off debt reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to XXXX U.S. Code XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX U.S. Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-12 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: LA

Complaint narrative:
Pursuant to XXXX U.S. Code XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX U.S. Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-13 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX To Whom It May Concern : Subject : CEASE AND DESIST Unlawful Credit Repair Practices SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED This correspondence constitutes a formal demand that you immediately CEASE AND DESIST from all unlawful credit repair activities in violation of The Credit Repair Organizations Act ( CROA ), 15 U.S.C. 16791679j, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any applicable state consumer protection statutes.

It has come to my attention that you have engaged in prohibited conduct, including but not limited to : Making false or misleading representations regarding the ability to improve my credit history, Charging fees prior to the performance of promised services ( in direct violation of 15 U.S.C. 1679b ( b ) ), Initiating or causing unauthorized credit inquiries, and/or Taking actions without my express written consent.

These actions are unlawful and have caused, or have the potential to cause, measurable harm to my personal and financial standing.

You are hereby directed to : Cease and desist from any and all credit repair activities involving me, my credit file, or my accounts.

Refrain from contacting me, my creditors, or any consumer reporting agencies in relation to these activities.

Remove or reverse any unauthorized or fraudulent actions taken on my credit file.

Provide written confirmation within thirty ( 30 ) days of your receipt of this letter that you have complied fully with these demands.

Failure to comply within the stated period will leave me with no choice but to take all actions necessary to protect my rights, including but not limited to : Filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Office of the State Attorney General ; Initiating civil litigation seeking monetary damages, statutory penalties, attorneys fees, and injunctive relief ; Referring the matter to federal and state law enforcement for potential criminal investigation. 
This letter is sent with the expectation that you will immediately and permanently discontinue all prohibited conduct. Your continued non-compliance will be considered willful and may increase your legal liability. 

Governing Law : This letter is issued pursuant to the laws of the United States and the applicable laws of the State of [ Your State ]. 

Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$800.00} WAKE FIELD & ASSOCIATES XXXX XX/XX/XXXX {$590.00} WAKE FIELD & ASSOCIATES XXXX XX/XX/XXXX {$1200.00} WAKE FIELD & ASSOCIATES XXXX XX/XX/XXXX {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-12 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: CA

Complaint narrative:
Please update my account to remove this late payment, which appears to be an isolated inaccuracy in an otherwise clean record.

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 2025-08-12 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:
XXXX keeps saying this is an old problem and keeps saying DUPLICATE! 
It's not a duplicate XXXX HAS NOT PROVIDED A 1099-C but received credit from the IRS. That's FRAUD ON THE PART OF XXXXXXXX XXXX 

I WANT MY 1099-C so I can file my TAXES and get this negative account off my credit report. 

CFPB should sue XXXXXXXX XXXX for FRAUD and false reporting on my credit REPORT : XXXX did not provide a 1099-C TAX relief document, nor have they provided what my balance is for me to file my TAXES. They received a TAX break but they are still collecting money from me monthly {$150.00} I would like the credit for my money I have been paying and I want my 1099-C. If not the CFPB must sue XXXX for FRAUD especially with the data breach XXXX keeping false information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
XXXX keeps saying this is an old problem and keeps saying DUPLICATE! 
It's not a duplicate XXXX HAS NOT PROVIDED A 1099-C but received credit from the IRS. That's FRAUD ON THE PART OF XXXXXXXX XXXX 

I WANT MY XXXX so I can file my TAXES and get this negative account off my credit report. 

CFPB should sue XXXX XXXX for FRAUD and false reporting on my credit REPORT : XXXX did not provide a 1099-C TAX relief document, nor have they provided what my balance is for me to file my TAXES. They received a TAX break but they are still collecting money from me monthly {$150.00} I would like the credit for my money I have been paying and I want my 1099-C. If not the CFPB must sue XXXX for FRAUD especially with the data breach XXXX keeping false information on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-08-12 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
am disputing several inquiries that appear on my credit report which I did not authorize and for which I have no record of application or consent.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only allow inquiries that are permissible under the law, and a creditor must have my written permission or a permissible purpose to access my credit file.

The following companies have inquiries on my report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted each company and requested proof of my written authorization or a permissible purpose for accessing my credit file. To date, no such proof has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted Capital one due to someone using my credit card for fraudulent transactions.

I was never informed they would report a new account number to my credit not only did they report a new account number they reported a new balance after already reporting my ending statement balances. When I contacted them to correct my balance to what my ending statement balances were they stated they would initiate a case to correct it back to the original statement balances that the only thing that should have been updated was my new credit card account number. Instead they reported AGAIN my current balance that increased a week later. They submitted three different balances to all credit bureaus within a three week span causing my credit score to drop XXXX points. Balances only should be reported once each cycle. I requested after being bounced around and no help to be transferred to their presidents office to file a complaint at which point no one would take my complaint. I would like each call to be reviewed and determined why Capital One reported two credit cards three times in one cycle I would like my credit score to be adjusted to where it was and a contact call from their presidents office or I will be getting any attorney.

Company response to consumer: Closed with explanation