vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/year> CFPB XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on Credit Report/Incorrect Credit Score Dear Sir/Madam , I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. Upon reviewing my credit report, I noticed discrepancies related to the account ( XXXX ) listed below : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Account Status : Incorrect Late Payments on account The inaccuracies in the information regarding this account are as follows : Reporting late payments on my credit report As per the provisions under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX, I am requesting a reinvestigation of the reported information. According to XXXX XXXX. XXXX XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate. Additionally, under XXXX XXXX. XXXX, the credit reporting agency is required to promptly investigate my dispute and resolve it within a reasonable period, usually XXXX days from the date of receiving my dispute. 
Given the nature of the inaccuracies I have outlined, I respectfully request that you initiate an investigation into the disputed information. Please provide me with the results of your investigation, including any supporting documentation, or an explanation as to why the information can not be corrected or removed. 
In accordance with these laws, I expect that you will investigate these inaccuracies, and I request that you provide me with an updated copy of my credit report once the dispute is resolved. 
Thank you for your attention to this matter. Please confirm receipt of this dispute and let me know if any additional information is needed to proceed. I look forward to your timely resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/year> CFPB XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on Credit Report/Incorrect Credit Score Dear Sir/Madam , I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. Upon reviewing my credit report, I noticed discrepancies related to the account ( XXXX ) listed below : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX Account Status : Incorrect Late Payments on account The inaccuracies in the information regarding this account are as follows : Reporting late payments on my credit report As per the provisions under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX, I am requesting a reinvestigation of the reported information. According to XXXX XXXX. XXXX XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate. Additionally, under XXXX XXXX. XXXX, the credit reporting agency is required to promptly investigate my dispute and resolve it within a reasonable period, usually XXXX days from the date of receiving my dispute. 
Given the nature of the inaccuracies I have outlined, I respectfully request that you initiate an investigation into the disputed information. Please provide me with the results of your investigation, including any supporting documentation, or an explanation as to why the information can not be corrected or removed. 
In accordance with these laws, I expect that you will investigate these inaccuracies, and I request that you provide me with an updated copy of my credit report once the dispute is resolved. 
Thank you for your attention to this matter. Please confirm receipt of this dispute and let me know if any additional information is needed to proceed. I look forward to your timely resolution of this issue. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/year> CFPB XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on Credit Report/Incorrect Credit Score Dear Sir/Madam , I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. Upon reviewing my credit report, I noticed discrepancies related to the account ( XXXX ) listed below : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Account Status : Incorrect Late Payments on account The inaccuracies in the information regarding this account are as follows : Reporting late payments on my credit report As per the provisions under the Fair Credit Reporting Act ( FCRA ), specifically under XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX. XXXX, I am requesting a reinvestigation of the reported information. According to XXXX XXXX. XXXX XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate. Additionally, under XXXX XXXX. XXXX, the credit reporting agency is required to promptly investigate my dispute and resolve it within a reasonable period, usually XXXX  days from the date of receiving my dispute. 
Given the nature of the inaccuracies I have outlined, I respectfully request that you initiate an investigation into the disputed information. Please provide me with the results of your investigation, including any supporting documentation, or an explanation as to why the information can not be corrected or removed. 
In accordance with these laws, I expect that you will investigate these inaccuracies, and I request that you provide me with an updated copy of my credit report once the dispute is resolved. 
Thank you for your attention to this matter. Please confirm receipt of this dispute and let me know if any additional information is needed to proceed. I look forward to your timely resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : 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 2025-04-29 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:
In coordinates with the very fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 a section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions under 15U. S c 's 166BA creditor may not treat a payment on a credit card account under an open and consumer. Credit plan as late for any purpose.

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 2025-04-29 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports i notice some accounts I am not familiar with i have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, A copy of the XXXX report showing my information being exposed in a national XXXX and a validation of debt Letter.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Greetings, On XX/XX/year>, I received a promotional email from my credit card company, Capital One, for a 15 % cash back offer on items purchased at XXXX XXXX XXXX XXXX. 

I clicked the offer which took me to XXXX web site and proceeded to purchase a Stratocaster for $ XXXX. The guitar was charged to my card. 

Several days later I received the guitar from XXXX and checked my credit statement. I was frustrated to see I only received 1 % back so I called Capital One customer service. I was placed on hold after explaining the situation with an agent. The agent never retuned and my call apparently timed out and was routed back into the que. After another wait another agent answered and didn't have any notes from my previous interaction. I again explained the situation and was again placed on hold to no avail. The agent aparently wasn't able to assist so I asked for a manager. My call was transferred to someone who answered and stated they were a senior supervisor.

Again, I explained about the offer I was sent. The supervisor without conducting any research or reviewing the email and links I was sent, began to talk over top of my explaination and basically said she couldn't help. 

I retained the email and it plainly states 15 % back offer for XXXX for being such a good Capital One customer! The email and link was definitely sent from Capital One and is legit, not a link from a scammer. Capital One frequently solicits cash back offers from stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
Theres an account showing up on my credit report that Ive never seen before XXXX have no connection XXXX whatsoever. I dont recognize it, I didnt open it, and I have no clue why its showing up under my name. This is not my account, plain XXXX simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, A copy of the XXXX report showing my information being exposed in a national data breach and affidavit letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-29 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: GA

Complaint narrative:
In XXXX, I submitted an FTC Identity Theft Report to the credit bureaus due to multiple fraudulent accounts appearing on my credit file. As of XX/XX/XXXX, the accounts have not been removed. I have now submitted a second, more detailed FTC Identity Theft Report, including copies of my government-issued ID and a list of fraudulent accounts across Experian, Equifax, and TransUnion. 

I have contacted all three credit bureaus and requested deletion under the FCRA, including mailing and uploading the required documents. Im requesting CFPB intervention because this is my second identity theft claim and the credit bureaus have failed to properly investigate or remove the items within a reasonable time. I am requesting expedited resolution and full removal of all disputed accounts and inquiries within 4 business days.

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 2025-04-29 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: GA

Complaint narrative:
In XXXX, I submitted an FTC Identity Theft Report to the credit bureaus due to multiple fraudulent accounts appearing on my credit file. As of XX/XX/XXXX, the accounts have not been removed. I have now submitted a second, more detailed FTC Identity Theft Report, including copies of my government-issued ID and a list of fraudulent accounts across Experian, Equifax, and TransUnion. 

I have contacted all three credit bureaus and requested deletion under the FCRA, including mailing and uploading the required documents. Im requesting CFPB intervention because this is my second identity theft claim and the credit bureaus have failed to properly investigate or remove the items within a reasonable time. I am requesting expedited resolution and full removal of all disputed accounts and inquiries within 4 business days.

Company response to consumer: Closed with non-monetary relief