vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. These items have been inaccurately reported and I request that they be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX : Account Number XXXX, Open Date XX/XX/XXXX, Balance {$14000.00} XXXX  : Account Number XXXX, Open Date XX/XX/XXXX, Balance {$930.00} XXXX  : Account Number XXXX, Open Date XX/XX/XXXX, Balance {$200.00} XXXXXXXX XXXX : Account Number XXXX, Open Date XX/XX/XXXX, Balance {$0.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX  : Account Number 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 2025-11-13 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am writing to dispute and request an investigation into the accounts listed below that appear on my Equifax credit report. Due to the Equifax data breach, I believe my personal information may have been compromised and used to create or report inaccurate or unauthorized accounts. 
In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c-2 ), I request that Equifax investigate XXXX verify, and delete all unverified or inaccurate items listed below. Any account or inquiry that can not be verified must be removed immediately from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-13 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 submitting this complaint because there are items on my Equifax credit report that appear to be inaccurate or unverifiable. 

Charged-Off Account in Dispute : XXXX, Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00} This account is being reported as charged off. I am requesting that Equifax conduct a full reinvestigation with the furnisher to verify the accuracy of this information. If the account can not be verified with proper documentation, I request that it be deleted in compliance with the Fair Credit Reporting Act ( FCRA ). 

Inquiry Disputes : XXXX, Dated XX/XX/XXXX XXXX, Dated XX/XX/XXXX I do not recall authorizing these inquiries and am requesting that Equifax verify whether these were made with a permissible purpose under FCRA 604. If not, I ask that they be removed from my file. 

Late Payment Dispute : XXXX, Account ending in XXXXXXXX XXXX XXXX I am disputing the late payment history being reported on this account, as I believe it is not accurate. Please verify this information with the furnisher and remove or correct it if it can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-13 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: ID

Complaint narrative:
I am disputing multiple items reported by Experian that appear to be inaccurate, outdated, or unverifiable. As a consumer, I have identified several charged-off accounts and inquiries that I either did not authorize or that are being reported incorrectly. I also noticed inconsistencies in payment history that do not align with my records. These discrepancies are harming my creditworthiness and appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) requiring fair and accurate reporting. I respectfully request that Experian conduct a complete reinvestigation of these accounts and inquiries, remove or correct any unverifiable data, and provide me with written confirmation of the results. 

Accounts in Dispute Charged Off XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX This account appears obsolete under FCRA reporting limits. Please verify accuracy or delete. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX, Balance {$1300.00} Please provide documentation verifying the debt, balance accuracy, and charge-off date. If not verifiable, delete under FCRA XXXX. 

Late Payments : XXXX  XXXX ( Account XXXX XXXXXXXX ) XXXX XXXX  ( Account XXXX  XXXX ) I believe these accounts contain inaccurate late payment reports. Please review and correct any errors. 

Inquiries ( Possible Unauthorized or Excessive ) XXXX XXXX XXXX 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 I do not recall authorizing all of these inquiries. Please validate the permissible purpose under FCRA 604 and remove any that are unauthorized.

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 2025-11-13 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: MI

Complaint narrative:
It gives a false impression of my financial values.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: U.S. BANCORP
State: NJ

Complaint narrative:
On or about XX/XX/year> I received a US Bank XXXX XXXX XXXX by cashing in {$75.00} worth of rewards. I activated the card and saw that I had {$75.00} to use. On XX/XX/XXXX I tried using it at a restaurant but was denied. When I returned home I called the Rewards Card to find out why this happened and was told to wait XXXX days for this issue to be resolved. On XX/XX/XXXX I called The Rewards Card and spoke with Rain to give it until the XXXX of XXXX. On this date I called and was told that US Bank, who issued me my credit card, took the rewards off this debit card and will place it back to my rewards on my credit card. WHAT???? So I called US Bank and spoke with a supervisor by the name of XXXX who then called the XXXX  Card and put all of us on a XXXX way call. So myself, XXXX and XXXX from Rewards Card spoke and when she said that nonsense about that US Bank took the rewards the supervisor XXXX stopped her and said that it was NOT TRUE and that US Bank would never touch any rewards. Once they are placed on the card they stay there until they are used. At this time I again was told by the XXXX XXXX representative to wait XXXX days for the {$75.00} to be put back on the card which would be around XX/XX/XXXX. Since I never received anything on my card I called on XX/XX/XXXX and spoke to XXXX who told me that a check was processed and sent on XX/XX/XXXX and I should receive it by XX/XX/XXXX. Again I called them on XX/XX/XXXX and spoke to XXXX who told me to give it until Friday the XXXX of XXXX but since the mail came today with no check I called and spoke to XXXX who gave me the runaround. Bottom line I had {$75.00} in rewards taken from me by the US Bank XXXX XXXX XXXX XXXX that is a third party from the US Bank. They promised on numerous occasions to send me my funds but they continue to lie to me. You need to make them accountable for their lies and issue me a check for {$75.00} the money they stole from me. Thank you!!!

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear TransUnion, I am writing to dispute the following accounts and inquiries listed on my TransUnion credit report. Please review the details below and conduct a thorough investigation into the inaccuracies : Charged Off Accounts XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$380.00} Inquiries The following inquiries appear to be incorrectly reported : XXXX Date Open : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the improper handling and denial of my credit card dispute for a charge from XXXX ( XXXX # XXXX ). Capital One closed my dispute without properly reviewing the documentation I submitted and without following XXXX dispute rules for Service Not Rendered / Defective Service. 

I purchased an XXXX ticket that included a checked baggage service as part of the fare. When I arrived at XXXX XXXXXXXX XXXX XXXXXXXX XXXX, my checked luggage was returned damaged, with a wheel torn off and a hole in the base of the suitcase. The damage occurred while the airline had custody of my baggage. This damage also destroyed personal items inside the suitcase, including a winter coat. Under the XXXX XXXX, the airline is liable for damage to checked baggage. 

I reported the damage immediately at the airport and filed a claim with XXXX. Over several weeks, the airline repeatedly refused to compensate me, despite providing undeniable photos, receipts, and a damage report from the airport agent. XXXX only offered {$100.00}, which violates the XXXX XXXX  liability rules. 

I then filed a dispute with Capital One for Service Not Rendered, because the checked-baggage handling service included in my ticket was not delivered properly. My dispute was NOT about the flight transportation itself. A flight ticket includes multiple services, and the baggage component was defective and caused financial loss. 

Capital One did not process the dispute correctly. They treated it as if I was disputing the flight itself, rather than the defective baggage service. I provided extensive documentation, including photos, receipts for replacement luggage and damaged items, the airport damage report, XXXX written refusals, my travel itinerary, and the airlines own fare chart showing that the checked bag was included. Capital One closed the case stating I did not provide sufficient documentation, even though they never specified what was missing and ignored the documents I submitted. 

Capital One has refused to reopen the case, despite the fact that they mishandled it under Regulation Z and XXXX dispute rules ( Reason Code 13.1 Service Not Rendered ). Capital Ones failure to investigate properly violates my rights under the Fair Credit Billing Act. I am requesting CFPB assistance to compel Capital One to properly review my evidence, reopen the dispute, and process it under the correct XXXX reason code. 

I have attempted multiple times to resolve this with Capital One directly, but they refused to conduct a proper investigation. I am seeking CFPB intervention to require Capital One to comply with its obligations under federal law and card network rules.

Company response to consumer: Closed with explanation