vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My information was exposed in a data breach under section 605 B I request my information be removed immediately.My rights were violated also according to 15USC 1692c In lawful communications. The information is also reported inconsistent with other credit bureaus 16 USC 1681 15 A also 16 USC 1681 Eb. It was also brought to my attention that CFPB has filed a lawsuit against the company. I am not surprised since this explains my situation. I need these remarks removed immediately I need to complete my schooling get my degree and buy a home. This isnt fair my rights are violated and laws have been broken as well.

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 2025-04-11 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: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance {$120.00XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4000.00}

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 2025-04-11 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$600.00} XXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXXXX/XX/year> Chapter XXXX Bankruptcy XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX account numbers listed below were subject of a court case in which a default judgment was entered against the lender. Therefore, the accounts are no longer valid and should reflect as paid in full, closed. 


XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXX/XX/year>

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was charged {$49.00} on XX/XX/year>, by a fulfillment service provider called XXXX XXXXXXXX. I paid them to receive and ship my inventory, but they failed to provide the service as promised. They received 4 quantities of an item but only delivered 1. They also delayed shipments by 614 days, despite claiming they had shipped them earlier. I also reported damaged items, and I have an email from XXXX confirming shipment delays and damage. 

I submitted detailed documentation to Capital One, including : 1. Proof of missing items 2. XXXX and USPS shipment delay tracking 3. Communication with the merchant 4. Confirmation from XXXX XXXX. A ruling from XXXX in my favor for a related dispute involving the same merchant and the same evidence Capital One mishandled the investigation by treating this dispute as if the transaction was simply valid because some items were delivered. But this is not about whether I authorized the chargethis is about a service that was not as described and not properly fulfilled. The merchant failed to meet basic industry standards and falsely claimed they fulfilled their service completely. 

I submitted a rebuttal, clarified the nature of the dispute, and requested documentation, but Capital One denied my case again without a clear explanation or proper review. This has caused me financial harm and shows Capital One did not investigate my dispute fairly or thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OH

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 explanation
Consumer complaint received 2025-04-11 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: OH

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 2025-04-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I noticed a few unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I never gave permission for this company to access my credit. Under the Fair Credit Reporting Act, a credit inquiry requires consumer consent, which I did not provide. This inquiry is negatively affecting my credit, and I have contacted the credit bureau requesting its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I submitted a formal written dispute to TransUnion on XXXX, XXXX, regarding multiple unauthorized and unverifiable credit inquiries appearing on my consumer report. These inquiries were made without my consent, and the creditors involved confirmed they do not possess any signed authorization or application on file. 

Despite my request and the legal obligations established under the Fair Credit Reporting Act ( FCRA ), TransUnion has failed to : Delete the disputed inquiries, which lack a permissible purpose under 15 U.S.C. 1681b. 

Provide any documentation validating the inquiries, including signed contracts, in violation of 15 U.S.C. 1681g ( a ) ( 1 ) ( A ). 

Perform a reasonable and independent investigation as required by 15 U.S.C. 1681i and reinforced by Cushman v. Trans Union Corp. 

Disclose the method of verification as required unde

r 15 U.S.C. 1681i ( a ) ( 7 ). TransUnion continues to rely on automated systems like e-OSCAR, which the
CFPB has already recognized as insufficient in cases that require manual document review. Their failure to comply with the law and to remove unverifiable inquiries constitutes ongoing noncompliance with federal consumer protection statutes.

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 2025-04-11 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX PM XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$59.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$960.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See Attachment. The dispute concerns inaccurate information on my credit report. I have also included a Method of Verification ( MOV ) request and a Notice of Default and Demand for Correction. This filing is to document my efforts and ensure accountability in case they fail to comply with its legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Texas Business & Commerce Code Chapter 20.

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 2025-04-11 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: HGREG.com
State: FL

Complaint narrative:
The dealership ran my credit through multiple different banks without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX.
IS IN VIOLATION OF 15 USC 1692(c)(A).  A DEBT COLLECTOR MAY NOT COMMUNICATE WITH A CONSUMER IN CONNECTION WITH THE COLLECTION OF ANY DEBT.


 WESTERN EXPRESS INC.
HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AN CONFIDENTIALITY UNDER 15 USC 1681 SECTION 602. THEY HAVE SHARED MY INFORMATION WITH XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute on a debt collection on my credit report with Experian and XXXX credit bureaus and both informed me it was verified as accurate when in fact it is not accurate. I submitted disputes yesterday XX/XX/year> and upon login today my Experian and XXXX accounts are stating the debt collection on my account is accurate and verified. I feel my rights were violated. They are supposed to verify all information is accurate and it was verified in less than XXXX hours? This is not right.

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 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a formal complaint regarding a fraudulent debt originally tied to XXXX, which was incurred without my knowledge or authorization. After investigating, it was found that this debt was the result of identity theft by a XXXX employee. 

Despite this, the same invalid debt has been sold, transferred, and re-reported by multiple collection agencies over time, including : Jefferson Capital Systems XXXX. XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX  Performance And then back again to Jefferson Capital Systems Each agency has reported the same XXXX debt to the credit bureaus as a new collection account. This has resulted in multiple derogatory entries on my credit report for the same fraudulent debt, despite it being proven that the account was opened through employee misconduct and was never mine. 

I have submitted disputes and documentation, but the same debt keeps being passed around and reappearing under different names, balances, and dates which is misleading, unfair, and damaging. 

I believe this conduct is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX and the involved collection agencies have failed to ensure the accuracy of the information they report, and have continued to harm my credit with false data. 

I am requesting a full investigation into : XXXX  failure to prevent or resolve employee-driven identity theft The repeated sale and re-reporting of a fraudulent debt The continued credit reporting of a debt that has already been disputed and found invalid I am willing to provide my identity theft documentation, credit reports, and all correspondence regarding these disputes if needed. This ongoing abuse must be stopped to protect consumers from repeated victimization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information that appears on my credit report. The information in question is related to the following account. 

This account inaccurately reflects a charge-off status and a profit and loss write-off despite being closed several years ago. I also dispute the indicated past-due amount of {$42000.00}, which I believe is incorrect. Furthermore, this account has already been marked as disputed multiple times, and no resolution or verification of the debt has been provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and, if the information is found to be inaccurate or unverifiable, delete or correct the information accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 non-monetary relief