vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: NJ

Complaint narrative:
It has come to my attention my personal information has been exposed in more than one national data breach. Upon reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the credit reporting agencies for validation of the debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information that I am not familiar with. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), any accounts associated with my personal information that I did not authorize or sign a contract for must be deleted from my credit report.

Please find attached a copy of my photo identification, a copy of social security card, proof of address, the FTC complaint, a copy of my Equifax Data Breach engagement number, a copy of the XXXX XXXX XXXX report showing my information being exposed in a data breach, and a data breach victim letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-11 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:
To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information appearing on my credit report. Specifically, there are unauthorized inquiries and accounts that I did not apply for, open, or authorize. These items are the result of identity theft or error and must be removed immediately. 

Fraudulent Inquiries : * XXXX XXXX XXXX LL * XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX BANK * XXXX XXXX XXXX * XXXX XXXX * XXXX BANK * XXXX * XXXX XXXX XXXX Fraudulent Accounts : XXXX XXXX XXXX * XXXX XXXX Card Services * XXXX Loan XXXX * XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX have never applied for credit with these companies, nor have I authorized these inquiries or accounts. Reporting this information violates the Fair Credit Reporting Act ( FCRA ), Section XXXX, which requires consumer reporting agencies to report only accurate information. 

Fraudulent Bankruptcy : * The bankruptcy is listed as : XXXX VFP * I have never filed for bankruptcy with this case number or court. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX and XXXX, I am requesting that you conduct a thorough investigation and remove this inaccurate bankruptcy entry from my credit file. Reporting inaccurate and fraudulent information is a violation of the FCRA, and I expect this matter to be corrected promptly. 

Accordingly, I demand that you : XXXX. Delete the fraudulent inquiries from my credit file. 
XXXX. Delete the fraudulent accounts from my credit file. 
XXXX. Provide me with the name, address, and telephone number of the entities that furnished this fraudulent information. 
XXXX. Send me a corrected copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation once these fraudulent inquiries and accounts have been removed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information appearing on my credit report. Specifically, there are unauthorized inquiries and accounts that I did not apply for, open, or authorize. These items are the result of identity theft or error and must be removed immediately. 

Fraudulent Inquiries : * XXXX XXXX XXXX LL * XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX BANK * XXXX XXXX XXXX * XXXX XXXX * XXXX BANK * XXXX * XXXX XXXX XXXX Fraudulent Accounts : XXXX XXXX XXXX * XXXX XXXX Card Services * XXXX Loan XXXX * XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX have never applied for credit with these companies, nor have I authorized these inquiries or accounts. Reporting this information violates the Fair Credit Reporting Act ( FCRA ), Section XXXX, which requires consumer reporting agencies to report only accurate information. 

Fraudulent Bankruptcy : * The bankruptcy is listed as : XXXX VFP * I have never filed for bankruptcy with this case number or court. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX and XXXX, I am requesting that you conduct a thorough investigation and remove this inaccurate bankruptcy entry from my credit file. Reporting inaccurate and fraudulent information is a violation of the FCRA, and I expect this matter to be corrected promptly. 

Accordingly, I demand that you : XXXX. Delete the fraudulent inquiries from my credit file. 
XXXX. Delete the fraudulent accounts from my credit file. 
XXXX. Provide me with the name, address, and telephone number of the entities that furnished this fraudulent information. 
XXXX. Send me a corrected copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation once these fraudulent inquiries and accounts have been removed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Reliable Credit Association, Inc.
State: ID

Complaint narrative:
I called the first week of XXXX and spoke to a gentleman who claimed to be a manager that I would not be able to pay XXXXXXXX XXXX payment and XXXX XXXX  payment as the car was in complete non working condition and undergoing an insurance investigation. He informed me that if I payed he would note the account as good for both months and I wouldnt have to pay until XX/XX/year>. When I got in to my account on XX/XX/year> was told the account was closed and sent to collections and I could not make a payment through them. They called me a few times between XX/XX/year> and XX/XX/year> mainly regarding an account that I was not apart of but my stepmother and father had with them. A woman named XXXX gave me information regarding the account that I was not on as to how much was owed amongst other things. I told them if they called me with their automated voicemail I would not be answering as when I had called back they were hounding me about an account I was not on even after being asked to stop. They did not adhere by their 30day late policy as my account was only 18 days late. I have tried to call and resolve it with them and they will not accommodate this request and tell me I must speak to the collection agency it was sent to. I was not given my 30day grace period or contacted by email or mail before this was done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
I reviewed my TransUnion credit report and discovered multiple items that are inaccurate, unverifiable, and reported in violation of the Fair Credit Reporting Act ( FCRA ). These errors appear to be connected to the documented XXXX  XXXX XXXX, which exposed my personally identifiable information. 

XXXX XXXX ( Acct. XXXX ) Reported as a charge-off. TransUnion has not provided an original signed agreement, proof of consumer authorization, or documentation showing a permissible purpose under 15 U.S.C. 1681b. Reporting unverifiable data violates FCRA 1681e ( b ) ( maximum accuracy ) and 1681i ( a ) ( 5 ) ( deletion of unverifiable information ). 

XXXX XXXX ( Acct. XXXX ) Reported with a late payment on XX/XX/year>. No billing statements, payment logs, or delivery proof to my correct address have been provided. This entry is incomplete, unverified, and misleading, in violation of FCRA 1681e ( b ) and Metro 2 compliance standards. 

These items are materially lowering my credit score, harming my financial reputation, and were verified only through automated dispute processes ( e-OSCAR ), which courts ( e.g., XXXX v. TransUnion, XXXX XXXX XXXX ) have ruled insufficient for a reasonable reinvestigation.

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 2025-09-11 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: CA

Complaint narrative:
I regularly monitor my credit report because maintaining an accurate credit score is important to me. However, I continue to find inaccurate and false information reported, despite raising this issue multiple times. This recurring problem has not been corrected and has become both stressful and exhausting. It is unfairly damaging my credit score and negatively affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I called XXXX  and associates and they havent after more than 30 days provided any verification of debt or any mail at all. I asked to setup a payment plan but they refused to provide proof of payment plan ( email, documents, etc. ) I tried to work with them but they are unwilling to give any documentation whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 4 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXXXXXX XXXXXXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  XXXX XXXX DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MO

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Terms that i agreed with could not be made with Rocket Mortgage, so I told the agent to cancel everything before a hard pull was made. He then did a hard pull on my credit and refused to close out the loan despite my request to do so, so I am now receiving XXXX calls a day from other lenders and Rocket Mortgage is contacting me and my employer for different information requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
On or about XX/XX/XXXX, XXXX  opened a collection account on my credit report in the amount of {$250.00}. The account was reported on XX/XX/XXXX. The listing does not identify an original creditor, which makes it impossible to confirm the accuracy or legitimacy of this alleged debt. 

I have not received a notice of validation from XXXX as required by the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). Despite not validating the debt, the company reported it to the credit bureaus, negatively impacting my credit. 

I dispute this debt in full. Without documentation of the original creditor, signed contract, and balance calculation, this reporting appears inaccurate and in violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I was using my phone in a hotel bar when late in the evening I went to the bathroom and inadvertently left my phone on the bar counter. When I returned, my phone was missing along with the person that was sitting next to me. The next day, I noticed that several unauthorized transactions had been made using my phone as the person must have observed the pin code I used to unlock my phone. The person used XXXX to try to transfer {$3000.00} to their account from my Capital One account, but this was correctly identified as potential fraud due to the late hour and amount. However, the Capital One then allowed a {$2000.00} transfer to go through to the same account and did not block or even hold the payment for XXXX hours to allow me to verify that this was an authorized transaction. I contacted Capital One Bank late the next day after I purchased a new phone to request them to reverse this as an unauthorized fraudulent transaction. However, they determined that since it was made with my phone that I had previously used to access the account, that it was an authorized transaction without providing any proof that I actually made or authorized the transaction. 

I've attached the emails I sent to the XXXX email account. It does not include any responses as Capital One never responded to any of my emails and I had to call them to confirm that they still were denying my claim of an unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am writing to formally file a complaint regarding inaccurate and negative information reported on my credit file by XXXX XXXX, related to my XXXX XXXX credit card account number ending in XXXX. 

In XX/XX/year>, I received notice from the credit monitoring bureaus that my credit score had dropped significantly. Upon reviewing my credit report, I discovered an inaccurate negative entry reported by XXXX XXXX XXXX XXXX The report reflects a XXXX late payment with Equifax for XXXX and XX/XX/year>, and XXXX late payments with Experian and XXXX for the same XXXX. This reporting is incorrect, as both XXXX and XXXX payments were made on time in accordance with an active forbearance plan. A copy of the forbearance agreement is attached for reference, along with bank statements, XXXX statement showing both payments were made on time under the forbearance plan. 

I reached out to XX/XX/XXXX on multiple XXXXXX/XX/XXXX; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/XXXX, XXXX follow up regarding the supporting documents I submitted in connection with my dispute. Despite these repeated efforts, XXXXXX/XX/XXXXhas not corrected the inaccurate reporting and continues to provide negative information to the credit reporting agencies. Ive also disputed all three major credit bureaus to no avail. XXXX XX/XX/XXXXhas failed to notify the credit bureaus of the forbearance and continues to report a scheduled payment not reflecting the forbearance amount. 

This constitutes a violation of the Fair Credit Reporting Act which requires data furnishers to : Report only accurate information Promptly investigate any consumer disputes Update or delete any information found to be inaccurate or unverifiable This inaccurate reporting is negatively affecting my credit score and ability to obtain credit. I am requesting immediate assistance to : XXXX. Investigate this matter fully XXXX. Require XX/XX/XXXX to correct or remove the inaccurate information XXXX. Confirm with all credit reporting agencies that the correction has been made XXXX. Prevent further damage to my credit profile Enclosed are copies of relevant documentation, including correspondence from XXXXXX/XX/XXXX stating that my account is reporting accurately, a copy of the credit report showing the negative item, and proof that the reported information is incorrect. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of all updates. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and negative information reported on my credit file by XXXX XXXX, related to my XXXX XXXX credit card account number ending in XXXX. 

In XX/XX/year>, I received notice from the credit monitoring bureaus that my credit score had dropped significantly. Upon reviewing my credit report, I discovered an inaccurate negative entry reported by XXXX XXXX XXXX XXXX The report reflects a XXXX late payment with XXXX for XXXX and XX/XX/year>, and XXXX late payments with XXXX and TransUnion for the same XXXX. This reporting is incorrect, as both XXXX and XXXX payments were made on time in accordance with an active forbearance plan. A copy of the forbearance agreement is attached for reference, along with bank statements, XXXX statement showing both payments were made on time under the forbearance plan. 

I reached out to XXXX XXXX on multiple XXXXXX/XX/XXXX ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/XXXX, XXXX follow up regarding the supporting documents I submitted in connection with my dispute. Despite these repeated efforts, XX/XX/XXXX has not corrected the inaccurate reporting and continues to provide negative information to the credit reporting agencies. Ive also disputed all three major credit bureaus to no avail. XXXX XX/XX/XXXXhas failed to notify the credit bureaus of the forbearance and continues to report a scheduled payment not reflecting the forbearance amount. 

This constitutes a violation of the Fair Credit Reporting Act which requires data furnishers to : Report only accurate information Promptly investigate any consumer disputes Update or delete any information found to be inaccurate or unverifiable This inaccurate reporting is negatively affecting my credit score and ability to obtain credit. I am requesting immediate assistance to : XXXX. Investigate this matter fully XXXX. Require XX/XX/XXXX to correct or remove the inaccurate information XXXX. Confirm with all credit reporting agencies that the correction has been made XXXX. Prevent further damage to my credit profile Enclosed are copies of relevant documentation, including correspondence from XX/XX/XXXXstating that my account is reporting accurately, a copy of the credit report showing the negative item, and proof that the reported information is incorrect. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of all updates. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief