vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections. To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Accounts in Dispute : XXXX XXXX XXXX XXXX ACCT # XXXX ; XXXX XXXX ACCT # : XXXX. These accounts are either inaccurately reported, unverifiable, or may have been established or reported without my full knowledge, consent, or legal validation. Therefore, I request a full investigation into the following items under : 15 USC 1692g Debt collectors must provide written validation of debt within 5 days of initial communication. I have not received sufficient documentation validating these debts.15 USC 1692c Prohibits communication at unusual or inconvenient times or places, and with third parties without consent. If applicable, I reserve my right to not be contacted in violation of this provision.15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts contain inaccuracies or lack verifiable documentation. 15 USC 1635 Provides a right of rescission and protection against certain unauthorized or unclear credit agreements. If any credit was extended without full and accurate disclosures, I hereby invoke my right to rescind. 15 U.S.C. 1681b ( a ) ( 1 ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' Inquiries to Be Removed : I further demand the removal of all unauthorized inquiries that were made without my express written consent. I did not authorize or initiate several inquiries reflected on my credit report, and under 15 USC 1681b, a permissible purpose must exist for any access to my credit file. XXXX XXXX  XXXX XX/XX/25, XXXX  XX/XX/25 Please conduct your reinvestigation within 30 days, as required by 15 USC 1681i. If these items can not be properly verified, they must be deleted from my credit report. Please mail all findings, updates, and confirmations of deletions to the address listed above. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX for unlawful credit reporting, identity theft, and multiple violations of federal and California consumer protection laws. 

I submitted FTC Identity Theft Report No. XXXX, notarized affidavits, proof of identity, IRS transcript, and certified disputes. Despite this, XXXX continues to furnish derogatory information on my credit reports and has refused to delete or correct the account. 

Basis for Complaint : FTC Report : This account is listed in my FTC Identity Theft Report. 

IRS Transcript Violation : This account was reported as income on my IRS tax transcript, yet XXXX never issued a 1099-C Cancellation of Debt Form. Reporting a charge-off as a tax loss while continuing to furnish it as an outstanding debt is a direct violation of 26 U.S.C. 6050P and IRS regulations. 

Charge-Off Status : XXXX has already charged-off this account and booked it as a loss. Continuing to report it as collectible is unlawful double-counting. 

No Wet-Ink Contract : I requested a copy of the original wet-ink signed loan agreement. XXXX has failed to provide it. 

Securitization/Re-Aging : Upon information and belief, this loan was securitized and transferred, meaning XXXX no longer retains ownership rights. The account also appears to have been re-aged in violation of FCRA. 

Open-End Credit Violation : This was an open-end consumer transaction with more than XXXX payments. Under Cal. Civ. Code 1785.13 ( a ) ( 6 ) and FCRA 605 ( a ) ( 5 ), adverse information can not be reported more than 4 years ( California ) or 7 years ( federal ) after the first delinquency.

Violations : FCRA 604, 605 ( a ) ( 5 ), 607 ( b ), 609, 611, 623 ( a ) ( 1 ) TILA 15 U.S.C. 1666b ( open-end credit billing rules ) 26 U.S.C. 6050P ( improper tax treatment of charge-offs and failure to issue 1099-C ) California CCCRAA 1785.13 ( a ) ( 6 ), 1785.16.1, 1785.25 ( a ) Privacy Act of 1974 ( 5 U.S.C. 552a )

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 explanation
Consumer complaint received 2025-09-10 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: SC

Complaint narrative:
Experian is reporting old accounts on my credit report that are past the statute of limitations in South Carolina. The law in South Carolina gives creditors only XXXX XXXX to take legal action on most consumer debts. These accounts are well past that period and should no longer be reported. 

I disputed these accounts with Experian, but they refused to remove them. By keeping these outdated accounts, Experian is reporting inaccurate and misleading information, which violates the Fair Credit Reporting Acts requirement to ensure maximum possible accuracy.

This is hurting my credit score and limiting my ability to get fair credit. I am asking the CFPB to require Experian to remove all accounts that are past the statute of limitations and confirm the correction in writing.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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 explanation
Consumer complaint received 2025-09-11 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. 

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 explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Notice of Data Breach and Request for Investigation To Whom It May Concern : I am writing to formally notify TransUnion that I have reason to believe my personal information may have been compromised due to a data breach. I am extremely concerned about the potential misuse of my personal and financial information, as well as the impact it may have on my credit file maintained by your bureau. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Pennsylvania Breach of Personal Information Notification Act ( 73 P.S. 23012329 ), I am requesting that TransUnion take the following actions : 1. Conduct a full investigation into whether my TransUnion credit file has been accessed, altered, or otherwise compromised. 
XXXX. Place a fraud alert on my credit file to protect against unauthorized use of my personal information. 
XXXX. Provide me with a free copy of my credit report so I may review it for any unauthorized activity. 
XXXX. Confirm in writing what steps TransUnion is taking to safeguard my information and to remediate any potential harm caused by the breach. 
XXXX. Comply with Pennsylvanias requirement to notify affected consumers of any breach involving personal information and provide details of the scope and measures taken. 

Please also advise me of any rights I may have to additional remedies, such as identity theft protection or credit monitoring, as a result of this incident. 

I request a response in writing within 30 days, as required under federal and state law. If I do not receive a timely and adequate response, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I received a notice from Capital One that XXXX of my credit cards were being closed due to activity inconsistent with typical customer account usage. I was surprised by this action, as I have not been informed of any specific violations of the cardholder agreement. 

After receiving the closure letter, I contacted Capital One to request redemption of my earned rewards miles. These rewards were accumulated through legitimate spending and were already posted to my account prior to closure. However, Capital One denied my request and stated that all my earned rewards would be forfeited. 

I believe this is unfair because the rewards were earned in good faith, and Capital One provided no clear explanation for why I am being denied access to them. I am still responsible for paying off the remaining balance, yet I am being deprived of the benefits I already earned. This feels one-sided and potentially violates fair dealing expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
i have had several accounts that were opened without my knowledge .I have been a victim of identity theft/ Fraud. I have listed below the accounts that were opened fraudulently in my name i have listed these accounts as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-11 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: FL

Complaint narrative:
i have had several accounts that were opened without my knowledge .I have been a victim of identity theft/ Fraud. I have listed below the accounts that were opened fraudulently in my name i have listed these accounts as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-11 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I pulled a copy of my consumer report and notified these agencies on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to these agencies which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX XXXX XXXX XXXX complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agencies that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.

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 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
We have never missed a payment or been late ; therefore, how is it that we are now incurring late fees? We were with our last servicer for years and never had late fees, yet we are now suddenly incurring them. XXXX never sent us any correspondence informing us that we were late, but as soon as you purchased this loan, the fees appeared. 
Please send me a detailed breakdown of these sudden, mysterious fees and please send me the dates and correspondence that was sent to us informing us that we were incurring late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I was trying to buy a house and I realize that I have damage to my credit history. According to law 15USC 1681 I should not have any damage in 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