vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Check Resolution Inc.
State: TX

Complaint narrative:
XXXX contacted my employer multiple times via text and phone call. The man I smoke to ( his last name was XXXX, I believe ) threatened to show up to my place of employment. He refused to give me any concrete information about who he was, what company he worked for, or what the reason for contacting my employer was until I demanded documentation be sent to my PERSONAL addresses for a 5th time, stating that I would stay on the phone while I reviewed the information via email. At this point he finally agreed to send me an email, but it was not coming through. He asked me to verify my email to which I requested he read me what he had on file instead. He had my email correct, but another department had it spelled incorrectly. This, their own negligence, is why I was unaware of the debt, leading to the harassment of my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Summary : XXXX told me my account was clear when it wasn't, which led to a delinquency on my credit report. 


On XX/XX/XXXX, I closed my checking account and was told to wait for credit card payments to clear before closing my savings and credit accounts. 

I scheduled payments to cover my credit card account balance, including XXXX on XX/XX/XXXX, for a {$16.00} charge. I was later told there was no record of that payment. 

On XX/XX/XXXX, I called to close all remaining accounts. A representative confirmed everything was closed and all balances were at {$0.00}. 

I left the country shortly after, trusting that my accounts were fully settled. 

In XX/XX/XXXX, I checked my credit report and found a {$16.00} delinquent entry from XXXX. 

I called the collections department. Multiple reps told me there was no balance at first, then placed me on hold and somehow " found it. '' Another department also told me they sent me a {$16.00} check ( I never received it ) I filed a complaint and asked for phone recordings to verify what I was told. XXXX said I couldnt access them and wouldnt confirm the content of the calls. They also admitted to misinformation, and assured me that the employee who gave me that misinformation would be " reprimanded, '' but refused to delete the delinquent entry off my credit report. 

The complaints department gave me the email of XXXX XXXX, the head of customer care. I sent a message pointing out that multiple representatives told me the same thing and therefore reprimanding a single employee does not fix the problem. 

I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Summary : XXXX told me my account was clear when it wasn't, which led to a delinquency on my credit report. 


On XX/XX/XXXX, I closed my checking account and was told to wait for credit card payments to clear before closing my savings and credit accounts. 

I scheduled payments to cover my credit card account balance, including XXXX on XX/XX/XXXX, for a {$16.00} charge. I was later told there was no record of that payment. 

On XX/XX/XXXX, I called to close all remaining accounts. A representative confirmed everything was closed and all balances were at {$0.00}. 

I left the country shortly after, trusting that my accounts were fully settled. 

In XX/XX/XXXX, I checked my credit report and found a {$16.00} delinquent entry from XXXX. 

I called the collections department. Multiple reps told me there was no balance at first, then placed me on hold and somehow " found it. '' Another department also told me they sent me a {$16.00} check ( I never received it ) I filed a complaint and asked for phone recordings to verify what I was told. XXXX said I couldnt access them and wouldnt confirm the content of the calls. They also admitted to misinformation, and assured me that the employee who gave me that misinformation would be " reprimanded, '' but refused to delete the delinquent entry off my credit report. 

The complaints department gave me the email of XXXX XXXX, the head of customer care. I sent a message pointing out that multiple representatives told me the same thing and therefore reprimanding a single employee does not fix the problem. 

I never received a response.

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: ID

Complaint narrative:
I sent a debt validation letter and comany never validated the debt then put collection on my credit. They have not proven that they have any right to collect on debt that the debt is even mine. I have no way without validation to verify I owe them anything. 

I responded to them with in XXXX with a letter and never heard anything again, until it showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because a credit reporting agency has failed to remove inaccurate and fraudulent information from my credit report, despite my repeated efforts and the submission of all required documentation. 

I am a victim of identity theft. I provided the credit reporting agency with a valid Identity Theft Report, including a completed FTC Identity Theft Report and copies of documents verifying my identity and address, as outlined under the Fair Credit Reporting Act ( FCRA ), Section 605B.

According to the FCRA, the agency is required to block this fraudulent information from appearing in my credit report within four business days of receiving the proper documentation. Despite fulfilling these requirements, the agency has not removed or blocked the disputed information. 

This has caused ongoing harm to my credit and personal life. I am requesting that the Consumer Financial Protection Bureau take action to ensure the credit reporting agency complies with federal law and removes all inaccurate information related to this identity theft from my file. 

I am also requesting confirmation once this matter has been resolved.

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 2025-04-23 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:
I am filing this complaint because a credit reporting agency has failed to remove inaccurate and fraudulent information from my credit report, despite my repeated efforts and the submission of all required documentation. 

I am a victim of identity theft. I provided the credit reporting agency with a valid Identity Theft Report, including a completed FTC Identity Theft Report and copies of documents verifying my identity and address, as outlined under the Fair Credit Reporting Act ( FCRA ), Section 605B.

According to the FCRA, the agency is required to block this fraudulent information from appearing in my credit report within four business days of receiving the proper documentation. Despite fulfilling these requirements, the agency has not removed or blocked the disputed information. 

This has caused ongoing harm to my credit and personal life. I am requesting that the Consumer Financial Protection Bureau take action to ensure the credit reporting agency complies with federal law and removes all inaccurate information related to this identity theft from my file. 

I am also requesting confirmation once this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I applied for the Capital One Savor credit card when a promotional offer was advertised {$200.00} bonus after spending {$500.00} or more within the first 3 months. I met the spending requirement, but the bonus was never credited to my account. 

I contacted Capital One support, and they told me that my card is not eligible for the offer. However, this is misleading, as the offer was clearly visible at the time of my application and is still being advertised. 

This feels like false advertising and I believe Capital One failed to honor the promotion they offered. I am requesting that they issue the {$200.00} bonus as originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
In response to a previous complaints below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account ( s ) came back which is not mine. In addition, I uploaded documents to verify my identity again and FTC report from before. Please remove and block this fraudulent account per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. You have 4 days to remove and block said items/accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-23 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I purchased a XXXX XXXX Gift Card on XX/XX/2025 from PenFed using my earned milage/points earned from my XXXX XXXX XXXX credit card. I received the gift card instantly. On the same day, I attempted to purchase a product online using the XXXX XXXX Gift Card and discovered that it didn't work. I called PenFed on XX/XX/2025 and XX/XX/2025 to tell them about the issue and PenFed confirmed that there is an issue. PenFed could not resolve the issue with my XXXX XXXX Gift Card.

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 2025-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of credit inquires that shown below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Date : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
On XXXX XXXX I called IQ Data and spoke with Rep by the name of XXXX XXXX who was extremely rude. She refused to work with me, talked over me and demanded that I have until the next day to pay or else. She went on to diminish my character based on my unpaid balance. This is the kind of people this company hires. I dont know how they allow their employees to speak to clients this way and get away with it. This company needs to be looked into

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
Im still seriously concerned that my credit report contains inaccurate and incomplete information. Despite several attempts to have this corrected, the problems remain and are unfairly impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
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. 
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 2025-04-23 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 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. 
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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, my child support  account was officially closed in good standing. I have not missed or been late on any child support payment since XXXX. 

Despite this, in XX/XX/XXXX, a collection account was added to my credit report by TransUnion and Experian for this child support account. This information is inaccurate and misleading. 

I have provided both credit bureaus with supporting documentation from the child support enforcement office confirming the account was paid and closed, with no delinquency. Despite multiple disputes, the bureaus have not corrected the error.

This is causing significant damage to my credit score and financial well-being.

Under the FCRA, both the credit bureaus and the data furnisher are required to investigate and correct inaccurate information. I am requesting that the CFPB intervene to require the correction or removal of this false collection report.

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 2025-04-23 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I believe I am a victim of identity due to the XXXX  Data breach.The inquires listed below are not mine and I did not authorize them. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : 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 explanation