vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity has been stolen from me its been almost XXXX please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-05-24 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: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-05-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to demand removal of all reporting 's associated with and from Midland Credit Manag, XXXX XXXX  XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX. This is a violation of 15 USC 1681 ( a ) ( 4 ), and my " rights to privacy '' This is not a verification request. you are reporting negative information on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Fraud Block Request/CFPB Complaint Resolution Dispute Attached : 2 Forms of Identification, FTC Affidavit XXXX XXXX XXXX Police REPORT NUMBER ( XXXX ), CFPB Consumer Statement Regarding Item, Capital Notice of Fraudulent Charges & Accounts Please be advised this is a Fraud Block Request. I Have Reason to believe this account is a result of Identity theft/Data Breach. This account has no transaction history or history at all simply open and closed. I Provided the Proper Documentation, XXXX XXXX Police REPORT NUMBER ( XXXX ) Contacted the Federal Trade Commission ( XXXX ) to have account XXXX XXXXXXXX Account Number : XXXX Blocked from Reporting pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) The Consumer Reporting Agency, shall block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX, XXXX XXXX  Failure to Respond Satisfactory will result in a 2 count Federal lawsuit in Federal Court : Count 1, negligent violation of the FCRA. Count 2, Willful violation of the FCRA.

Count 1 Violations 15 U.S. Code 1681i 15 U.S.C. 1681c-2 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681i ( 7 ) Count 2 15 U.S. Code 1681n Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Fraud Block Request/CFPB Complaint Resolution Dispute Attached : 2 Forms of Identification, FTC Affidavit XXXX XXXX XXXX Police REPORT NUMBER ( XXXX ), CFPB Consumer Statement Regarding Item, Capital Notice of Fraudulent Charges & Accounts Please be advised this is a Fraud Block Request. I Have Reason to believe this account is a result of Identity theft/Data Breach. This account has no transaction history or history at all simply open and closed. I Provided the Proper Documentation, XXXX XXXX Police REPORT NUMBER ( XXXX ) Contacted the Federal Trade Commission ( XXXX ) to have account XXXX XXXXXXXX Account Number : XXXX Blocked from Reporting pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) The Consumer Reporting Agency, shall block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX, XXXX XXXX  Failure to Respond Satisfactory will result in a 2 count Federal lawsuit in Federal Court : Count 1, negligent violation of the FCRA. Count 2, Willful violation of the FCRA.

Count 1 Violations 15 U.S. Code 1681i 15 U.S.C. 1681c-2 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681i ( 7 ) Count 2 15 U.S. Code 1681n Thank you, 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
b'"On XXXX XXXX XXXX, I sent XXXX a written debt validation request via Certified Mail #[XXXX XXXX XXXX XXXX XXXX XXXX]. Despite FDCPA  809 requiring validation within 30 days, XXXX:  \n - **Failed to provide any response** (no proof of debt, contract, or accounting).  \n - **Continued collection efforts**, including credit reporting, violating FDCPA  807(8) and FCRA  623.  \n   \n XXXX  is attempting to collect XXXX allegedly owed to Capital One (account #XXXX), but cannot prove I owe this debt. Their actions have damaged my credit.  \n   \n **Demands**:  \n 1. Immediate deletion of all tradelines for account #XXXX from all credit bureaus.  \n 2. $XXXX in statutory damages for FDCPA violations.  \n 3. Written confirmation that the debt is waived and will not be resold.  \n   \n**Enclosed**: Copies of my validation request, Certified Mail receipts, and XXXX\'s non-response."*'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
The is the XXXX  dispute letter I have filed with Experian concerning the data breach they were exposed to. I will attach all the documents i have filed on this complaint that have not been answered by Experian

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 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>2025, I visited an Oportun branch in person to apply for a secured installment loan. I offered the title of my vehicle as collateral this was not a regular personal loan. I met all the requirements, submitted all documents, and completed the process. Despite that, I was denied without any explanation. I asked for the reason, and they refused to provide it. I also contacted their customer service and was treated rudely and evasively. This lack of transparency and respect is unacceptable and may reflect a pattern of discrimination toward XXXX and XXXX communities. I request a formal investigation and that my personal data be deleted from their systems. This situation caused XXXX, wasted time, and financial disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud. FRAUDULENT REPORTING DUE TO MISSING IRS FORM XXXX Under 26 U.S.C. 6050P, any applicable financial entityincluding banks, lenders, and third-party debt collectorsis federally required to issue IRS Form XXXX when canceling or charging off a debt of {$600.00} or more. This obligation is governed by the Internal Revenue Code and enforced through Treasury Regulation XXXX ( a ) ( XXXX ), which mandates that a creditor must file a XXXX for any identifiable event that results in the discharge or cessation of collection activity on a debt. In this case, no Form XXXX has been issued, which confirms that : The alleged charge-off was never legally finalized, making the current credit reporting false, deceptive, and materially misleading. The creditor is either continuing collection efforts or falsely claiming the debt has been canceled, constituting intentional misrepresentation.

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 2025-05-24 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: NY

Complaint narrative:
I DO NOT RECOGNIZED THESE ADDRESS PLEASE REMOVE. THNAK YOU. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX NY, XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have recently found myself in a hardship, therefore I have not been able to pay much towards any bills due to losing my vehicle a few months ago. I have tried to work with the lenders but at the moment I hav not been able to find any jobs close to me at the moment, requiring a bit more time for me to figure the situation out.

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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am writing to formally request a goodwill adjustment regarding a negative entry on my credit report associated with Affirm , Inc I acknowledge that I had a late payment on XX/XX/year>, and I take full responsibility for this oversight. Since then, I have taken serious steps to improve my financial management, and I have maintained a consistent payment history. 

I respectfully request that you consider removing this negative mark from my credit report as a gesture of goodwill. This adjustment would make a significant difference in my financial future, and I would be deeply grateful for your understanding. 

I value my relationship with your company and hope to continue it on positive terms. Please let me know if you require any further information or documentation to consider this request. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has placed this debt, that doesnt belong to me, on my credit report. There was no communication with me. Equifax must be shut down. This agency must be closed. Its XXXX and XXXX. It places false information on XXXX peoples credit report with no proof that the debt is valid and refuses to remove it. I do not owe {$19000.00} to XXXX XXXX XXXX XXXX Nor do I owe {$98.00} to XXXX XXXX. XXXX will freeze over before I pay either of these collections agencies my money. This is a scam that Equifax is part of. Equifax should be investigated once XXXX and his gang of XXXX are removed from office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was called and asked if i wanted to upgrade my credit card to a savor card. 
I said yes. then i saw that they were giving a {$200.00} bonus for new savor cards that spend XXXX in the first 3 months. I called and asked if they would give me that. they said no because I upgraded. It was only available for new cards. 
So i told them that i no longer wanted the upgrad. 
I applied for a new card with the XXXX bonus. I received that. the card ends XXXX I spent the XXXX and they are refusing to give me the XXXX They are now saying that even though i responded to an offer with the XXXX dollar bonus and they approved it. they actually approved a " counter offer '' which was the same exact card without the bonus. There was no mention of that during the application process. Also it said it was for people with " good credit '' my credit scores were over XXXX. I certainly qualified for the " good credit '' It seems a simple case of outright fraud. It isnt e

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, My name is XXXX After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

XXXX. XXXX XXXX XXXX, Date of Inquiry : XXXX XXXX, XXXX XXXX. Inquiry Name : XXXX CARD Date of Inquiry XXXX, XXXX XXXX. Inquiry Name : XXXX OF XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, 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 2025-05-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding unauthorized hard inquiries that appear on my credit report. These inquiries were nit initiated by me, and I did not give consent for them to be made. Therefore, I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX [ XXXX U.S. CXXXX XXXXb ], which outlines the permissible purposes for obtaining a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: LA

Complaint narrative:
I am a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( s ) from my credit report within the MANDATED 4-day timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611.

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

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 2025-05-24 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 a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( s ) from my credit report within the MANDATED 4-day timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611.

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

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