vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint because multiple credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate, incomplete, outdated, and unverified negative accounts on my credit report. Despite my efforts to dispute these items directly with the credit bureaus, they have continued to report the following derogatory information without providing adequate documentation or conducting proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically, the reports include : Charge-off accounts that reflect inconsistent payment histories, inflated balances, or prolonged reporting after being closed or disputed. 
Collection accounts that have not been validated with original signed contracts, payment ledgers, or proof of ownership. 
Accounts marked as disputed but still listed without any updated investigation results or consumer notice, violating FCRA 1681s-2 ( b ) and FDCPA 807 ( 8 ). 
Late payment history that exceeds the XXXX limit and is damaging my score without proper validation. 
I submitted written disputes to all three credit bureaus, clearly identifying the accounts and citing applicable violations of federal law. However, the bureaus either failed to respond with proper documentation or continued reporting the same inaccurate data without correction or removal. 

What would you like the company to do to resolve your issue? 

I am requesting the CFPB to assist in compelling Experian, TransUnion, and Equifax to : Permanently delete all unverified, inaccurate, and outdated negative accounts listed in my dispute letters. 
Provide verification in the form of original account applications, contracts, and complete payment histories for each accountcomputer records alone are not sufficient. 
Issue updated credit reports reflecting the removal of disputed items. 
Cease all further reporting of unverifiable and erroneous accounts. 
Thank you for your attention to this matter. I am seeking full compliance with the FCRA and FDCPA and an immediate resolution.

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 2025-07-11 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 a Fraud Block under Section XXXX of the Fair Credit Reporting Act ( FCRA ) for the following accounts, which are the result of identity theft and do not belong to me : XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with XXXX U.S.C. XXXX, I am submitting the following required documentation : Proof of my identity Included A copy of my identity theft report Included Identification of the fraudulent accounts Included Above A written statement confirming that these accounts are not mine This letter serves as that statement Under this law, Equifax is required to block this fraudulent information within XXXX ( XXXX ) business days of receiving this request. 
Additionally, pursuant to XXXX XXXX. XXXX ( d ), I request a free copy of my updated credit report reflecting the removal of the above accounts. 
Please confirm in writing once these accounts have been blocked and my file has been updated. If you require any additional information to process this request, please contact me at your earliest convenience. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request a Fraud Block under Section XXXX of the Fair Credit Reporting Act ( FCRA ) for the following accounts, which are the result of identity theft and do not belong to me : XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with XXXX U.S.C. XXXX, I am submitting the following required documentation : Proof of my identity Included A copy of my identity theft report Included Identification of the fraudulent accounts Included Above A written statement confirming that these accounts are not mine This letter serves as that statement Under this law, Equifax is required to block this fraudulent information within XXXX ( XXXX ) business days of receiving this request. 
Additionally, pursuant to XXXX XXXX. XXXX ( d ), I request a free copy of my updated credit report reflecting the removal of the above accounts. 
Please confirm in writing once these accounts have been blocked and my file has been updated. If you require any additional information to process this request, please contact me at your earliest convenience. 
Thank you for your prompt attention to this matter.

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 2025-07-11 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-11 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK
State: OK

Complaint narrative:
I noticed unauthorized inquires on my credit report that I would like removed, according to the FCRA these unverified and unauthorized items must be removed. This stuff is not mine and I dont recognize any of it. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to FCRA Section XXXX ( b ), credit reporting agencies must ensure that all information they report is accurate and up to date. I have several inconsistencies reported on my credit profile. FCRA Section XXXX ( b ) requires consumer reporting agencies ( CRAs ) to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
FCRA Section XXXX ( a ) ( XXXX ) gives you the right to : Request all information in your file, including payment history, account status, and reporting details. 
If payment history is missing yet the account is still being reported the information XXXX be : Misleading or incomplete ( grounds for dispute under FCRA ). 
Unverifiable, which under FCRA XXXX XXXX, means it must be corrected or deleted if not verified within XXXX  days. 

I am including a copy of my report that reveals all inaccuracies.

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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

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 2025-07-11 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: PA

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
I requested the correct information so that the transfer would be made without any problem. XXXX XXXX from XXXX confirmed this with the corresponding department. She confirmed this to me by email and now she tells me that it is being returned due to a lack of information, which is impossible because the issuing bank knows the address and the shipping coordinates do not mention that this additional information should be included. This only delays someone making money and without compensating me for errors by that bank or the person responsible for providing incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: AR

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 XXXX you an additional XXXX  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 2025-07-11 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on my report. please remove these accounts from my report, as they are hurting my ability to obtain credit

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 2025-07-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was being shown delinquent on my repayments however, they had all my contact information incorrect and I was not getting notified and had no idea that I was missing payments. These missed payments have drastically negatively affected my XXXX XXXX. When I finally realized after noticing how low my XXXX XXXX has gotten, I paid them what I owed and I am now in good standing. I am requesting they fix the XXXX XXXX back to my previous score as it was an error on their part with not getting in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Creditor : Capital One N.A. 
Case Number ( Capital One ) : XXXX Disputed Charge : {$8900.00} Merchant : XXXX Original Charge Date : XX/XX/XXXX Summary of the Issue : I am filing this complaint due to Capital One XXXX improper handling of a billing dispute related to a concert ticket purchase for a cancelled XXXX XXXX. The merchant cancelled the concert, and I was initially issued a refund by Capital One on or around XX/XX/XXXX, after opening a dispute. 
On XX/XX/XXXX, Capital One reversed the refund and re-billed my account without adequately explaining why or acknowledging that the event had been publicly and formally cancelled. Despite my submission of a formal rebuttal within their portal and timely follow-up, Capital One closed the case citing a " timeframe expiration, '' which mischaracterizes the nature of the issue and my response timeline. 
The cancellation of the concert -- and the public retirement of XXXX -- are widely reported and easily verifiable via public news sources and a simple XXXX search. This information should have been considered in the investigation. 
Key Facts : XXXX. The event was cancelled in a publicly verifiable manner, and Capital One issued a full refund acknowledging the charge was invalid. 
XXXX. Capital One later reversed the refund, charging me again without justification and requesting documentation I had already submitted. 
XXXX. I disputed the reversal promptly and submitted a formal rebuttal through Capital One 's secure portal. 
XXXX. Capital One has sent multiple form-letter denials, failing to address any facts or evidence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and XXXX cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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