vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting multiple unauthorized and fraudulent inquiries on my credit report, which appear to be the result of identity theft. I have not applied for credit or granted permission for these companies to access my credit file. Despite my previous disputes, these inquiries remain, which is both unacceptable and alarming. Their continued presence suggests my personal information may have been compromised, and this situation has caused me significant stress and anxiety about the security of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed an account with Kikoff that i did not open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am filing this complaint because I have not received any responses, verifications, or documentation from the credit bureaus or the collection agencies after multiple disputes were submitted. It has now been well over XXXX  days, and I still have not received any written communication or reinvestigation results. 
I have sent XXXX rounds of disputes, and a third round was submitted recently, challenging multiple inaccurate and unverifiable accounts appearing on my credit reports, including but not limited to : XXXX XXXX Account ending in XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX Treasury Collection accounts XXXX XXXX XXXX and XXXX None of these accounts have been verified under the XXXX XXXX standards or the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( 15 U.S.C. 1681i ), the credit bureaus are required to investigate and provide written verification results within XXXX  days of receiving a dispute. This has not been done.

Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request and receive the method of verification and source of information for any disputed account. I have not received this information from any bureau or furnisher. 
Under XXXX XXXX Compliance Standards, data furnishers must report information accurately and consistently across all three bureaus. There are multiple inconsistencies in the reporting of balances, dates of last activity, and account statuses between Experian, Equifax, and TransUnion, which indicates noncompliance.

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 2025-10-15 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: TX

Complaint narrative:
I am filing this complaint because I have not received any responses, verifications, or documentation from the credit bureaus or the collection agencies after multiple disputes were submitted. It has now been well over XXXX  days, and I still have not received any written communication or reinvestigation results. 
I have sent XXXX rounds of disputes, and a third round was submitted recently, challenging multiple inaccurate and unverifiable accounts appearing on my credit reports, including but not limited to : XXXX XXXX Account ending in XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX Treasury Collection accounts XXXX XXXX XXXX and XXXX None of these accounts have been verified under the XXXX XXXX standards or the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( 15 U.S.C. 1681i ), the credit bureaus are required to investigate and provide written verification results within XXXX  days of receiving a dispute. This has not been done.

Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request and receive the method of verification and source of information for any disputed account. I have not received this information from any bureau or furnisher. 
Under XXXX XXXX Compliance Standards, data furnishers must report information accurately and consistently across all three bureaus. There are multiple inconsistencies in the reporting of balances, dates of last activity, and account statuses between Experian, Equifax, and TransUnion, which indicates noncompliance.

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 2025-10-15 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 BANKRUPTCY - XXXX * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX XXXX NA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX FLAGSHIP CRE - XX/XX/XXXX XXXX AUTO - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Ive paid Capital One way over the amount of my original {$300.00} credit limit, yet my balance continues to grow due to interest and penalty fees. I am requesting that the remaining {$460.00} be waived as I have already paid beyond the borrowed amount, I opened my credit card account back in XX/XX/year> and since Ive had XXXX XXXXXXXX as well as other obstacles which led to me being incapable of managing my payments effectively as I wouldve which in turn made my account snowball in fees and interest I had no idea was accumulating in the XXXX it has done, I cant afford to make any more payments on the account, the majority of what remains is purely interest and penalty charges that have accumulated over time. Ive worked hard to make consistent payments, and I believe Ive more than fulfilled the original credit obligation. 
Ive reached out to Capital One to ask for a review of my account for a courtesy balance waiver or goodwill adjustment, since the amount Ive paid already exceeds the principal balance many times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
TrueAccord is attempting to fraudulently establish my responsibility for the forgiven balance of a debt that I have already settled through them. I settled a balance of {$1300.00} with XXXX on a payment plan for XXXX payments of {$150.00} for a total of {$470.00}, which I made the final payment for on XX/XX/XXXX of this year via their autopay. On XX/XX/XXXX, they sent me an email claiming that the payment resolved the debt and that the matter is settled, however, on XX/XX/XXXX they sent me another email claiming that I sent over another payment of {$27.00}, and that they would apply it to my balance. I never sent that payment. I checked through my bank statements and there was no payment of {$27.00} made to this company. I replied to their email saying as much, and then they replied insisting that I sent the payment over but that it settled my balance with my " final payment of XXXX ''. There was never a payment of {$27.00} in the payment plan, and I reiterate that I never sent them that money. They have refused to speak with me further about this, I called them and they refused to speak over the phone, so I have to contact your office to resolve this matter as I gave them a chance to correct any mistakes they made. I believe that they are trying to make me legally responsible for the portion of the debt that they already forgave by claiming that I made a payment on it. Please help me resolve this so that I don't have to worry about them attempting to collect on this settled debt in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Calls from an unknown number. What gridns my gears is how am I supposed to know who you are to call you back? It is also XXXX WEEKS OVERDUE. IMAGINE CALLING SOMEONE ALL DAY ON AN UNKNOWN NUMBER OVER A DEBT THAT IS XXXX WEEKS OLD. Was considering paying it late, or doing a double payment next month, but now you've done it! Close my account, hit my credit, I DO NOT CARE. You are cartoonishly evil people, there's poverty everywhere right now who the HECK CALLS SOMEONE FOR A XXXX WEEK OLD MISSED PAYMENT. I'm and XXXX recipient so good luck battling me on this, because you'd be stealing legally protected funds from the XXXX, debt or not. I'll take the credit ding over never owning a credit card from you again because your customer service AND collections department are both mean condescending and plain nasty, no wonder I snapped on the guy! CALLING SOMEONE MULTIPLE TIMES A DAY....... ARE YOU BLOODY INSANE??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Numbers : XXXX Dear Radius G ; XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding this validity of this debt. 
Thank you for your prompt attention to this matter. 

With Regards I am, 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 2025-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSI Enterprises, Inc.
State: MD

Complaint narrative:
XX/XX/year>, I was in an accident and was taken to the hospital. The at fault party insurance settled my accident however I had lingering services from the hospital that was not added. 4 months later I received a bill from the hospital - Doctors community care XXXX Md. After speaking to a XXXX I ask the XXXX to note that account however we did receive the collection notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I object to the inclusion of accounts I did not initiate. Kindly review thoroughly and remove them. Documentation accompanies this request.

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 2025-10-15 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: CA

Complaint narrative:
I respectfully dispute entries connected with accounts I never created. Please conduct a meticulous investigation and delete them. Supporting materials are provided.

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 2025-10-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " 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. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " 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. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-15 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: NJ

Complaint narrative:
I am a verified victim of XXXX XXXXXXXX XXXX XXXX and identity theft. Under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I submitted a formal legal demand to TransUnion requesting that all fraudulent and coercion-based information connected to my victimization be permanently blocked and removed from my credit file.

I provided my Certified Victim Determination documentation, proof of identity, Social Security verification, and current address as required by law. Despite this, TransUnion has failed to properly remove the fraudulent items listed below, which were created or used under coercion and without my knowledge or consent. 

Accounts to Block : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Hard Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under federal law, TransUnion must block and delete this information within four business days of receiving a complete submission under FCRA 605B and 605C. The continued reporting of these fraudulent items is causing ongoing harm and violates my rights as a trafficking survivor under federal law. 

I am requesting CFPBs assistance to ensure TransUnion complies with FCRA 605B and 605C and permanently removes all fraudulent accounts and inquiries listed above.

Company response to consumer: Closed with explanation