vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-09 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 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: CT

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 explanation
Consumer complaint received 2025-08-09 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent activity.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
On XX/XX/year>, during a court appearance, the company verbally agreed to settle my account for {$2000.00} with 90 days to pay in full. This agreement was made in front of the judge. However, after court, the company mailed me documents demanding full payment instead of honoring the {$2000.00} settlement. I sent a certified dispute letter on XX/XX/year>, requesting written confirmation of the {$2000.00} settlement terms and that payment of {$2000.00} would satisfy the account in full. The letter was delivered on XX/XX/year>, but I received no response. The company is now attempting to collect the wrong amount in violation of the agreement.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
CFPB Complaint # XXXX Experian is violating the FCRA by delaying my dispute investigation to XXXX  days without legal basis. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they must complete within XXXX  days ( or XXXX only if I provide new information I have not ). 

Disputed items : XXXX Dismissed XXXX Bankruptcies XXXX Bankruptcy XXXX XXXX XXXX WI XXXX File Nos. XXXXXXXX XXXX XXXXXXXX. Reporting is misleading since no debts were discharged. Violates 1681e ( b ) and 1681i ( a ). Delete unless verified directly with court clerk by name + original docs. 
XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Opened : XX/XX/year> | Balance : {$370.00} | On Record Until : XX/XX/year>. XXXX15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate disputed data 15 U.S.C. 1681e ( b ) : Reporting unverifiable or inaccurate collections 15 U.S.C. 1692g ( b ) : Failure to validate XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Listed as Included in Bankruptcy despite bankruptcies being dismissed. Violates 1681e ( b ) and 1681i ( a ) ( 5 ) inaccurate, misleading, unverifiable. 


Requested action : CFPB require Experian to meet legal deadlines, permanently delete these items, and confirm in writing. Continued reporting is willful/noncompliant under 1681n and negligent under 1681o.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing in response to a debt collection received regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. 
* Do not contact me at my place of employment. 
* Do not contact any third parties about this debt. 
If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. 
Please respond to this request in writing. I recommend all future communication be done via mail only. 
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 explanation
Consumer complaint received 2025-08-09 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 am submitting this formal complaint regarding Equifax and Experian handling of my personal and financial information, which has resulted in both a data breach exposure and inaccurate credit reporting. 

As shown in the attached documentation, my personal information was compromised in the recent Equifax and Experian data breach. I have confirmed that my email address and personal details have been exposed in multiple breaches, putting me at heightened risk for identity theft and fraudulent activity.

Following this breach, my credit report now reflects 25 unauthorized hard inquiries that I did not approve or authorize. These inquiries are negatively impacting my credit score, which is an inaccurate and unfair representation
of my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), Equifax and Experian is obligated to ensure maximum possible accuracy in credit reporting and to remove unverifiable or unauthorized inquiries. Additionally, the Fair Credit Billing Act and other consumer protection laws safeguard my right to dispute inaccurate information and have it corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-09 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Dispute of Collection Account Reported by XXXX XXXX XXXX  Balance {$510.00} Account Open Since XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the Resurgent Receivables collection account reported on my Equifax credit report with a balance of {$510.00} and an account opening date of XX/XX/XXXX. 

This account is currently reported as open despite being placed for collection, and I have no knowledge of this account or any obligation related to it. The reporting of this account as open and placing it in collection status without proper verification is inaccurate and materially misleading. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information on their credit report. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. 

Case law affirms these protections : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), courts have held that credit reporting agencies must conduct meaningful reinvestigations when inaccurate information is disputed. 
In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized the duty of furnishers to ensure the accuracy of the information they report. 
In XXXX v. XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that reporting inaccurate information without proper verification violates the FCRA. 

Given my lack of knowledge or responsibility for this account, I demand the following : 1. A thorough reinvestigation of this XXXX XXXXXXXX XXXX 
2. Removal or correction of the account if it can not be verified as accurate.

3. Provision of the verification documents or validation used to substantiate the reported information.

4. An updated credit report reflecting any changes made.

Failure to comply with these requirements constitutes a violation of the FCRA and may lead me to pursue remedies including filing complaints with the Consumer Financial Protection Bureau and seeking legal action under 15 U.S.C. 1681n & 1681o.

Please respond within 30 days of receipt of this letter as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing in response to a [ letter/phone call ] received on [ date ] regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus.

* Do not contact me at my place of employment.

* Do not contact any third parties about this debt.

If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports.

Please respond to this request in writing. I recommend all future communication be done via mail only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Received a copy of my credit report and I noticed several unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized items must be removed.I have never submitted my information or tried to obtain credit with none of these companies listed below and would like them removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-08-09 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
Under FCRA 605B ( a ), the consumer reporting agency is legally required to block the reporting of this information within 4 business days of receiving all required documentation.

Instead of blocking the information, the bureau has : Placed my request into the regular 30-day dispute process, or Delayed taking any action despite having all required documentation, or Failed to remove the fraudulent items within the 4-day statutory period This delay is a clear violation of federal law. The FCRA does not allow a 30-day investigation period for identity theft blocking when a valid Identity Theft Report and supporting documents are provided. 
Exifax and Transuion are in direct violation providing proof that each one has been issued FTC report and continue to denie the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
Received a call from this number at XXXX. A voicemail was left.

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 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
I made my first payment with XXXX XXXX on XX/XX/XXXX. Starting on XX/XX/XXXX I started making additional principal payments through the auto payment feature. When I received my billing statement a few months later I noticed that they were applying the overage to the next billing cycle. When I called I was told that they do not offer paying the additional to principal. This has caused me hundreds if not thousands of dollars in additional interest. I have since tried to trade my vehicle in and can't because I am not able to pay the principal down on the car fast enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Portfolio Recovery calls all the time, early morning and late night and on the weekend. I have requested information and they refused to send only to continue with there aggressive collection tactics. I need to see everything about the account. They need to prove they own the account or working on behalf of the original creditor. I need to see everything. I have requested this but yet they continue to harass me.

Company response to consumer: Closed with non-monetary relief