vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$2800.00}

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 2025-06-19 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: NV

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/2021, I bought a used XXXX XXXX ( ~ {$12000.00} ) from XXXX XXXX on XXXX XXXX in XXXX, OH. I was XXXX with no credit history, working at XXXX XXXX XXXX, and had {$500.00} down payment. The dealer only quoted me a monthly payment of {$430.00} and did not provide or explain the APR, finance charges, or full loan terms. It wasnt until later that I realized the loan carried a XXXX % APR and will cost me over {$31000.00}. I believe this was deceptive and potentially predatoryno co-signer, minimal income, and I was not informed of total loan costs. I suspect dealer income falsification and XXXX  violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PORTFOLIO RC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PORTFOLIO RC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PORTFOLIO RC buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CO

Complaint narrative:
I sent your company a letter disputing the account number XXXX with XXXX  - XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the items. 
XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. When these accounts was open in my name from XXXX XXXX and capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
To Whom it May Concern : Capital One has unreasonably blocked access to my XXXX XXXX  and/or business bank accounts due to a suspected fraud alert that appears to be unsubstantiated and unexplained. Despite my repeated attempts to resolve the matter through Capital Ones fraud and customer service departments, the accounts remain frozen, and I can not access my funds.

Capital One has not provided any concrete evidence or explanation of the suspected fraud. I have confirmed my identity and offered to cooperate fully in any investigation, but the process has been opaque and unreasonably slow. I have not received meaningful updates or a clear timeline for resolution.

This account freeze is severely disrupting my ability to operate my business and fulfill financial obligations. I understand the importance of fraud prevention, but Capital Ones actions are disproportionate, non-transparent, and potentially in violation of reasonable customer protections.

I am requesting that Capital One either : 1. Provide a specific and verifiable explanation of the alleged fraud activity, or 2. Immediately restore access to my accounts so I can manage my funds.

This situation is urgent, and I am requesting the CFPBs assistance in compelling Capital One to act in a timely and transparent manner.

Desired Resolution : Unfreeze my accounts or provide a detailed and verifiable explanation of the fraud suspicion. Expedite a formal review and restore access immediately if no evidence supports the freeze. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
To whom it may Concern : DATE OPENED : XXXX XXXX Status Updated : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I dispute the following account in its entirety, as it was opened fraudulently without my authorization : XXXX XXXX XXXX ( # XXXX ) Opened XX/XX/XXXX while fraud alert was active. 

XXXX XXXX/XXXX/XXXX  ( # XXXX ) Charged off XX/XX/XXXX without my consent. 

Legal Violations : FCRA 1681c-2 I placed a fraud alert with all credit bureaus on XX/XX/XXXX, yet this account was still reported. 

FCRA 1681e ( b ) You failed to maintain reasonable procedures to prevent fraudulent reporting.

FTC Red Flags Rule ( 16 CFR 681.2 ) No identity verification was performed.

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 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This account was incurred during a period which my XXXX  was declared a XXXX XXXX XXXX  XXXX and XXXX I have attached documents supporting disaster such as XXXX notice proof of displacement and residents being deemed nonlivable under the FAIR CREDIT REPORTING ACT U.S.C1681i I am requesting investigation into this account validity in my inability to pay due to a disaster Section 4022 of the CARES Act and CFPB guidance on natural disaster relief, consumers impacted by disasters are afforded certain protections, including special considerations for reporting delinquencies when payments are missed due to federally recognized emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
According to FCRA Section 1681i. It is illegal to report any inaccurate information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
According to FCRA Section 1681i. It is illegal to report any inaccurate information on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
FORMAL DISPUTE Incomplete or Outdated Reporting in Violation of FCRA 1681e ( b ) ; Failure to Verify Under 1681i & 1681i ( a ) ( 6 ) ( B ) ( iii ) To Whom It May Concern, This is a formal dispute of inaccurate, incomplete, and outdated information currently appearing in my credit file. The following accounts are being reported with incorrect status and/or unverifiable data : XXXX XXXX XXXX XXXX Account No. XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Account No. XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX  Account No. XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Account No. XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Account No. XXXX Balance : {$7000.00} XXXX XXXX XXXX  XXXX Account No. XXXX Basis of Dispute : The above entries are being reported with incomplete or outdated status, in violation of the Fair Credit Reporting Act, 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. The accounts listed show an account status that is no longer accurate or verifiable, and their continued presence reflects a lack of reasonable procedures to ensure reporting integrity.

Demand Under FCRA : Under 1681i, you are required to reinvestigate disputed information within 30 days. Upon completion of this reinvestigation, I am formally invoking 1681i ( a ) ( 6 ) ( B ) ( iii ) and demand : A detailed description of the reinvestigation procedure used to verify each disputed item ; The method of verification, including whether and how the furnishers were contacted ; All records, data, and documentation received from the furnishers that you relied upon to continue reporting these accounts.

Final Notice Before Regulatory & Legal Action : If these items can not be verified in full and updated to reflect only accurate, complete, and current information, then you are required by law to promptly delete them from my credit file under 1681i ( a ) ( 5 ). 

If you fail to comply with this legal obligation, I will proceed with : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General ; Considering legal action for negligent noncompliance ( 1681o ) and willful noncompliance ( 1681n ), including statutory and actual damages.

This is my final good-faith attempt to resolve this matter directly with your agency. I expect written confirmation that the items have been deleted or fully corrected, along with all reinvestigation details, within 30 days as required by law.

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against POSSIBLEFINA regarding an account I have with them XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : POSSIBLEFINA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$93.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with POSSIBLEFINA buttonoavail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: NM

Complaint narrative:
The presence of a late payment on my credit file is inaccurate and misleading. I have never missed or delayed a payment on this account. I am requesting that this reporting error be corrected and removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 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 2025-06-19 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief