vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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:
I am writing to formally report that I have been a victim of identity theft. I recently discovered fraudulent accounts and inquiries on my credit report that I did not authorize or open. I am requesting the immediate removal of these items from my credit file. 

Please see the attached identity theft report for verification of my claim. Additionally, I have provided a copy of my government-issued ID and a recent utility bill as proof of my identity and current address. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to block these fraudulent accounts from my credit report within four business days upon receiving my identity theft report. Failure to comply with this request is a violation of federal law and will be escalated accordingly. 

Thank you for your prompt attention to this matter. Please confirm in writing that these fraudulent accounts and inquiries have been removed from my credit 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 2025-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX credit card with a statement balance of XXXX {$50.00}. I missed the payment because I never use that card. When I paid the statement balance in XXXX, I had a late fee and an interest charge. I got on a call with the customer service representative and paid off my balance and requested a credit for the late fee and the interest charge. The representative agreed to remove the late fee and interest charge since I paid my balance in full. But before the representative could remove the late fee and interest charge, the call disconnected. The representative never called me back and I assumed that their charges were reversed, but they weren't, and I got a late fee on the late fee, and that impacted my credit score. Now I am not able to get any loans approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX XXXX * - Date Opened XX/XX/XXXX Account Name : Unknown # XXXX * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
i recently reviewed a copy of my credit report and i was shocked to find i had been a victim of identify theft i do not recognize the accounts please remove them from f my credit report they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
This is my 2nd complaint on them, A fraudulent charge was made on my account of XXXX dollars from a XXXX XXXX that was not made or authorized by me. I have no XXXX XXXX  account and have provided an email from a XXXX XXXX rep who stated that the transaction was not made by me. Since this bank wont give me back my money I have no been overdrawn because of this. I dont wan na have to get a lawyer but I will if my money is not returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3300.00}

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 explanation
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
Paid in full to XXXX on XX/XX/year>. Posted XX/XX/year>. Letter attached as proof from XXXX XXXX XXXX XXXX XXXX  card services. 

Disputed Account Details : Creditor Name : [ XXXX XXXX XXXX  XXXX  Rewards Card Account Number ( XXXX ) Issue : The current balance is reported inaccurately. As of [ date ], the correct balance should be {$0.00} not the amount currently listed. 

Under FCRA 607 ( b ), you are required to ensure maximum possible accuracy in credit reporting. I also remind you of your obligations under FCRA 611 to investigate this dispute and correct or delete any inaccurate or unverifiable information immediately. Please do not make this a 30 day investigation and update writhing 4 days.

Enclosed are documents supporting my claim : letter from bank statement Screenshot of account balance from my online banking [ letter from XXXX XXXX XXXX XXXX  XXXX  ] Please complete your investigation and provide a written response detailing your findings and any corrections made. If this issue is not resolved within 30 days, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action for damages under the FCRA.

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 2025-06-02 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:
Paid in full to XXXX on XX/XX/year>. Posted XX/XX/year>. Letter attached as proof from XXXX XXXX XXXX XXXX XXXX  card services. 

Disputed Account Details : Creditor Name : [ XXXX XXXX XXXX  XXXX  Rewards Card Account Number ( XXXX ) Issue : The current balance is reported inaccurately. As of [ date ], the correct balance should be {$0.00} not the amount currently listed. 

Under FCRA 607 ( b ), you are required to ensure maximum possible accuracy in credit reporting. I also remind you of your obligations under FCRA 611 to investigate this dispute and correct or delete any inaccurate or unverifiable information immediately. Please do not make this a 30 day investigation and update writhing 4 days.

Enclosed are documents supporting my claim : letter from bank statement Screenshot of account balance from my online banking [ letter from XXXX XXXX XXXX XXXX  XXXX  ] Please complete your investigation and provide a written response detailing your findings and any corrections made. If this issue is not resolved within 30 days, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action for damages under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized items listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the 3 Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these items. 
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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized items listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the 3 Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these items. 
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/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 2025-06-02 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: MO

Complaint narrative:
I've tried contacting the number on my credit report. I've ask for all the information. They said ma'am we don't have to give you this information and you need to pay this bill. I asked who is the creditor? They told me to look on my credit report. They hang up the phone. I call right back they answer nd hang up.

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 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells Fargo auto department informed me that i whould have 90 days to make a payment for my vehicle and my car was repossessed i believe that this company should be held accountable for this they took my paid off vehicle and also took a down payment for the car and left me with the remaining balance after they sold the car off to continue to make a profit while my credit reports inaccurately for years

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 2025-06-02 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: FL

Complaint narrative:
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 XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX * * * * * * Balance : {$710.00} CAPITAL XXXX XXXX * * * * * * Balance : {$3900.00} XXXX OF XXXX * * * * Balance : {$550.00} XXXXXXXX XXXX XXXXXXXX * * * * * * Balance : {$5300.00} XXXX XXXX XXXX * * * * * * * * * Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX * * * * * * * * * Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * Balance : {$960.00} XXXXXXXX XXXX XXXX * XXXX * Balance : {$480.00} PORTFOLIO XXXX XXXX * * * * * * * * * * Balance : {$1600.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
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 XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX * * * * * * Balance : {$710.00} CAPITAL XXXX XXXX * * * * * * Balance : {$3900.00} XXXX OF XXXX * * * * Balance : {$550.00} XXXXXXXX XXXX XXXXXXXX * * * * * * Balance : {$5300.00} XXXX XXXX XXXX * * * * * * * * * Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX * * * * * * * * * Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * Balance : {$960.00} XXXXXXXX XXXX XXXX * XXXX * Balance : {$480.00} PORTFOLIO XXXX XXXX * * * * * * * * * * Balance : {$1600.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
According to FCRA section 605b, law 15, usc 6802b, it is illegal to report anything on my credit report without my permission. 
Please remove this negative item Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I contacted EXPERIAN to dispute a collections account that isn't mine. I requested an investigation and deletion per the laws of the FCRA. They never responded at all. I am requesting that this account be deleted.

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 2025-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX Subject : Formal Dispute of Debt Collection and Assertion of Consumer Financial Rights To Whom It May Concern, I am writing to formally dispute the debt referenced in your communication dated [ Insert Date ], regarding Account No. [ Insert Account Number ]. This correspondence serves as an assertion of my consumer financial rights under the principles established by the Consumer Financial Protection Bureau ( CFPB ).

1. Right to Submit a Complaint and Be Heard I am submitting this written complaint to dispute the accuracy and validity of this alleged debt. I request that you respond to this complaint promptly and provide a thorough investigation. I expect your company to take this matter seriously and respond with transparency and professionalism.

2. Right to Transparency Under the Fair Debt Collection Practices Act ( FDCPA ) and CFPB guidelines, I have the right to clear and accurate information. I formally request : A full validation of the alleged debt, including documentation showing I am legally obligated to pay it The name of the original creditor and itemized details of the debt A copy of the original contract or agreement bearing my signature ( if applicable ) Without this information, I can not verify the legitimacy of this collection claim.

3. Right to Fair Treatment I expect to be treated with respect and without harassment. Any attempt to mislead, coerce, or intimidate me into payment without providing validation is a violation of my rights. If such behavior has occurred or continues, I will report it to the CFPB and other relevant agencies.

4. Right to Financial Privacy and Protection I request that no further information about this disputed debt be shared with third parties, including credit reporting agencies, unless and until you provide valid documentation proving that the debt is accurate and owed. If you have already reported this item to any credit bureau, I request immediate notice and removal if the debt is unverified.

Requested Action : Please respond in writing within 30 days of the date of this letter. If you can not validate the debt, you must cease all collection efforts and correct any related reporting with credit agencies. This letter is not an acknowledgment of liability or responsibility for the alleged debt.

Please be advised that I am keeping copies of all correspondence related to this matter and am prepared to escalate this complaint to the CFPB, FTC, or seek legal assistance if necessary.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Arbor Professional Solutions, Inc.
State: MA

Complaint narrative:
Formal Complaint : Inaccurate Reporting by Collection Agency ( XXXX XXXX, MI ) To the Consumer Financial Protection Bureau, This complaint is in reference to a collection account being reported by a debt collector located in XXXX XXXX, Michigan. 

Account Details : Company : XXXX XXXX XXXX XXXX XXXX ( Name withheld in credit report based in XXXX XXXX, MI ) Mailing Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX Account Number : Ends in XXXX Amount : {$250.00} Reported to : All three credit bureaus Nature of Complaint : I do not recognize this debt and dispute its accuracy. 
I have never received a notice or communication from this collection agency, violating my right to dispute the debt within 30 days. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to report only complete and accurate information which is not the case here.

Under FCRA 1681s-2 ( b ) and 1681i ( a ) ( 5 ), any unverifiable account must be deleted.

If this debt has been sold or is being collected by a third party, they are required under FDCPA 1692e to avoid false, deceptive, or misleading reporting. They have not provided a notice of debt nor responded to previous dispute attempts. 

My Request to the CFPB : Delete this collection account off of my credit report. 
I am requesting that the CFPB : Investigate this collection agency for possible FCRA/FDCPA violations Enforce removal of this account from my credit reports unless the debt can be fully validated and documented. 

Ensure that I am provided a copy of any original documentation they claim supports this debt. I ask that the CFPB help protect my rights and remove inaccurate, damaging information that was not legally verified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief