vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX i wasnt able to log into my online banking account where i have both my Checkings and savings. i called and they said the account would be frozen and investigated and that it can take 60 days for them to make a decision. ive been calling weekly to check in. and i still havent received anything information information stating why, i havent received any of my funds. which my savings had all my money. and now i call and they still have no information.

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 monetary relief
Consumer complaint received 2025-11-12 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: TX

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 2025-11-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEAR XXXX, I am writing to dispute the following items on my credit report with the XXXX major credit bureaus. Please see the details below, separated by each bureau. 

CHARGED OFF ACCOUNTS : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX  XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} INQUIRIES : XXXX XXXX XXXX Date of Inquiry : 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 2025-11-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ensure disputed accounts are deleted in accordance with the required legal deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-12 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: PA

Complaint narrative:
I am disputing the following inquiries and late payments on my Experian credit report : Inquiry Disputes : 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ) ). XXXX completed an investigation on XX/XX/year> for my XXXXXXXX XXXX XXXX XXXX XXXX ( Account # ending XXXX ) account but continues to report multiple months with no data instead of accurate on-time payments. This incomplete reporting misrepresents my credit history and causes ongoing harm. XXXX has already had ample time to verify the account and is required to maintain complete and accurate data. I am demanding that XXXX immediately update this account to show all on-time payments or delete it if they can not verify complete information. This matter is urgent. XXXX continued failure to correct the reporting demonstrates non-compliance, and I intend to pursue legal action if it is not resolved promptly.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion via USPS Certified Mail ( Tracking # XXXX ). The letter included copies of my government-issued photo ID, Social Security card , and a recent utility bill to fully verify my identity and current address. In that correspondence, I requested that TransUnion investigate inaccuracies appearing on my credit report and correct the erroneous personal information listed.

According to USPS delivery confirmation, TransUnion received my dispute on XX/XX/year>. However, I later received a letter from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party.

This response is unacceptable and inconsistent with the documentation I provided, which clearly verified my identity and confirmed that the dispute originated directly from me. TransUnions refusal to investigate the disputed information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and respond to consumer disputes within 30 days of receipt. 
I have attached a copy of my original dispute letter sent to TransUnion, along with USPS Certified Mail proof of delivery and TransUnions written response, to support this complaint.

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 2025-11-12 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: NV

Complaint narrative:
I am disputing the following accounts listed on my TransUnion credit report. I believe these entries are inaccurate and need to be corrected. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the following information contained in my credit report. I have identified discrepancies in the accounts listed below, and I am requesting an investigation into these items. The following details are provided separately for each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a complain against Lexis Nexus because they are selling my information and making money and I am not gettingpaid for that. I have not authorized Lexus Nexus to sell my information to anyone this is illegal and they should clearly be stating that they are doing this I am requesting a formal investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I have reviewed my credit report from TransUnion and identified the following accounts that need to be corrected. 

Charged Off Accounts : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX Positive Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX  XXXX/XXXX XXXX XXXXXXXX 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 2025-11-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I believe the following accounts reported on my Experian credit report contain inaccuracies or incomplete information. I request that these accounts be investigated and corrected. 

Charged Off Accounts : XXXX XXXX AUTO, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$880.00} XXXX XXXXXXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$760.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$6800.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX COLLECTION SV, XXXX, XX/XX/XXXX XXXX XXXX : {$13000.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$460.00} Inquiries : 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 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 2025-11-12 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: TX

Complaint narrative:
Kindly evaluate the enclosed documents ; these inquiries were entered without prior consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
It misrepresents my financial approach and beliefs.

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 2025-11-12 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank ( XXXX ), XXXX. 
Attention : XXXX XXXX XXXX Department XXXX Capital One XXXX XXXX, VA XXXX RE : Account No. XXXX Subject : Demand for Debt Validation and Correction of Credit Reporting To Whom It May Concern : This letter serves as a formal dispute and demand for validation of the above-referenced account, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1 Debt Validation 15 U.S.C. 1692g Under 1692g of the FDCPA, I hereby request that Capital One Bank ( XXXX ), XXXX. provide full and complete validation of the alleged debt, including but not limited to : The name and address of the original creditor, if different from Capital One. 

A copy of any signed agreement or contract bearing my signature that created this alleged obligation. 

A complete itemization of the balance claimed, including principal, interest, fees, and any other charges. 

Documentation proving that Capital One or its agents are legally authorized to collect this alleged debt. 

Until proper validation is provided, you are required to cease all collection activities, including telephone calls, letters, and credit reporting actions. 

XXXX Accuracy of Credit Reporting 15 U.S.C. 1681e ( b ) If this account has been reported to any consumer reporting agency, you are reminded that 15 U.S.C. 1681e ( b ) requires that all information furnished be accurate and verified. 

If you can not fully substantiate this debt with verifiable documentation, I demand that you immediately delete or correct the account from all consumer reporting agencies ( Experian, Equifax, and TransUnion ). Continuing to report unverifiable or inaccurate data would constitute a violation of federal law. 

XXXX False or Misleading Representations 15 U.S.C. 1692e Be advised that any attempt to collect a debt without proper validation, or any misrepresentation regarding the character, amount, or legal status of this debt, constitutes a violation of 15 U.S.C. 1692e.

Should such activity continue after receipt of this notice, I will document it as willful noncompliance and file complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Attorney General ( Virginia and my state ) Further violations may expose Capital One Bank ( USA ), N.A. to civil liability under 15 U.S.C. 1692k and 1681n/o.

Requested Action Provide full and proper validation of the alleged debt within 30 days. 

Cease all collection activity until validation is complete. 

Delete or correct any inaccurate or unverified credit bureau reporting. 

Confirm in writing that you have complied with this request. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-12 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: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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