vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
I do not recognize the following inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

and I am writing to formally dispute a duplicate hard inquiry that appears on my credit report. According to my records, the following inquiry appears more than once but clearly relates to a single application or credit request : 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Per my credit report Capital One charged off my balance and sold it to someone. I haven't received any correspondence with who has the account. Now as of 1 week ago I had court documents taped to my front door indicating they're coming after me. How is that even possible when they've sold off my debt to a 3rd PARTY. Again, im only aware of this because of my CREDIT REPORT. IVE RECEIVED NOTHING ELSE. Its wrong and unfair. Along with they did collect payments up until XXXX of last year via the debt consolidation company XXXX XXXXXXXX XXXX  that I am currently enrolled with. Payments stopped due to me finding out I had XXXX and was out of work. I've heard nothing or received nothing about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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: CA

Complaint narrative:
I submitted all documents required under FCRA Section 605B to Equifax and TransUnion, including a police report, FTC Identity Theft Affidavit, copy of ID, and utility bill. I identified the fraudulent account XXXX XXXX, yet Equifax refuses to block it. They claimed my new dispute was frivolous and that I had not submitted new relevant information. However, I am not required to submit additional information if all required documentation has already been provided. Equifax has not presented any evidence showing that this account belongs to me. I am requesting immediate enforcement to compel Equifax to comply with the law and block this account. 

Despite receiving all required documentation, TransUnion has refused to block the account, citing irrelevant reasons such as a history of prior payments or disputesnone of which override a valid identity theft report under federal law. This is a direct violation of the FCRA. XXXX XXXX has not provided any documentation linking the account to me. I request immediate enforcement action to compel TransUnion to comply with Section 605B and block the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 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: TN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed these items directly with the credit bureaus and/or data furnishers and have not received any proper documentation to verify the debt, such as signed contracts or complete billing history. Per the Fair Credit Reporting Act ( FCRA ) 1681i and 609 ( a ), I am entitled to a thorough investigation and full proof of accuracy. 

XXXX XXXX XXXX XXXX XXXX, TransUnion ) charge-off with no original creditor verification These entries are damaging my credit and were not verified properly. I am requesting immediate CFPB investigation.

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 2025-07-01 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: CA

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 grant 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 2025-07-01 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: FL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 
Instructions : In compliance with FCRA, I am requesting that the

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 2025-07-01 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: FL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 
Instructions : In compliance with FCRA, I am requesting that the

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 2025-07-01 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:
on XX/XX/year> there was a hard inquiry placed on my TransUnion Credit Report file from a company listed as " XXXX ''. This inquiry was fraudulent and done without authorization. I have no knowledge of who this company is or why they pulled my credit report. The phone number and address listed on the credit report for " XXXX '' are both not accurate. 

I reported the issue to TransUnion on the same day, XX/XX/year> and was told that I must obtain a letter from " XXXX '' in order to have the inquiry removed. 

It is impossible for me to contact " XXXX for a letter because the address and phone number listed are not accurate. There is no accurate contact info listed for them on the report or online. 

Also, when someone fraudulently pulls your credit report, they are unlikely to provide a letter admitting to their fraud. 

So the request of TransUnion that I obtain a letter from " XXXX '' is unreasonable and impossible.

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 2025-07-01 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company sold this debt, and is currently in Violation of FCRA 15 U.S. Code 1681s-2 ( a ) ( 2 ) Still shows it as past due after the sale Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In XXXX, I financed a XXXX XXXX XXXX through State Employees Credit Union ( SECU ). In XX/XX/XXXX, I began a lawful administrative trust enforcement process, which included submitting a Tender of Payment, Security Collateral Instrument, Power of Attorney, and Schedule A listing the vehicle as trust-assigned collateral. 
SECU failed to rebut or respond to the private tender and proceeded to wrongfully seize the vehicle on or around XX/XX/XXXX, despite active legal documents on file. On XX/XX/XXXX, SECU issued a notice of sale to dispose of the vehiclewithout acknowledging the secured trust interest or following due process under UCC regulations or trust law.

My trust holds secured party status and SECUs continued actions amount to commercial conversion, fiduciary breach, and wrongful repossession. The account was tendered with lawful instruments and SECU failed to honor the terms or acknowledge the private trusts secured interest.

I submitted an administrative complaint to the NCUA, which redirected the matter to CFPB for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I regularly monitor my credit report because my credit score is important to me. However, I continue to see recurring inaccurate and false information that remains uncorrected, despite multiple attempts to resolve it. This ongoing issue is extremely stressful and exhausting, and it is unfairly damaging both my credit standing and my quality of life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX, and I am filing this complaint and dispute against Equifax regarding multiple unresolved issues on my credit report. 

Block on Credit Report Code XXXX  : There is a block on my Equifax credit file that shows a code labeled XXXX. I have called the number provided on my report numerous times and spoken with several Equifax representatives. Each time, I was assured that the block would be removed and that I would be able to access my credit file within an hour. Despite these promises, the block has never been removed, and I still can not access my report as needed. 

Duplicate Account Reporting : Accounts : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX Equifax is reporting XXXX different companies listing the same debt/account, which is inaccurately inflating my total debt and impacting my debt-to-income ratio. This duplication is misleading and harmful to my credit profile, and I have submitted requests to have it corrected. Equifax has failed to take appropriate action or provide proper resolution. 

Failure to Cooperate / Consumer Harm : I have made multiple good faith efforts to have both the block removed and the duplicate accounts removed. Equifax has not cooperated with my requests, and this has caused me undue stress, financial harm, and difficulty accessing credit and financial services. 

Additionally, I am a victim of the Equifax data breach, and I believe my experience is further worsened due to the company 's failure to properly safeguard and manage consumer data. 

Requested Resolution : Immediate removal of the XXXX XXXX on my credit file Immediate investigation and removal of the duplicate account reporting the same debt A written explanation from Equifax detailing the steps they will take to ensure these issues are fully resolved Assurance that my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) are being honored Thank you for your time and for investigating this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of a Caine & Weiner collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Caine & Weiner would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report. I am requesting that Caine & Weiner immediately remove the collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AL

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
I don't know what happened, all of the sudden you all put a hold on all my accounts, XXXX of them business accounts that process things like payroll and shipping and taking customer payments. And I can't reach anyone and I have to run payroll and my company. They won't even tell my bank branch manager the reason for the hold, but i was referred to the efraud department. But no one answers or returns calls, and this is unacceptable.

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