vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-10-15 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 formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-10-15 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: PA

Complaint narrative:
Opened a premium savings account with XXXX * Trade on XX/XX/year> with an account incentive ( XXXX ) attached to it. Deposited ~ $ XXXX and waited as interest accrued. Late yesterday, received an alert that my account did not qualify for the incentive, despite following the requirements to a T. This morning, reached out to customer service to discover my account was restricted, with no further guidance. This is one day before the incentive shouldve been paid ( 90 days after account opening ). No letters or emails were sent regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
You have not helped address the complain made here ( XXXX ), you have allowed the company to hide behind the complaint and you have not adjudicated it as an independent body. You need to get the recordings and independently listen top them, as the company is providing false information around my consent.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include information that is accurate, complete, and verifiable. I am asking for these entries to be verified, and if they can not be confirmed, they should be updated or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Ive noticed late payment entries on my credit report that I believe are inaccurate. In line with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear on my report. I request verification of these entries, and if they can not be confirmed, they should be corrected or removed.

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 2025-10-15 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:
I have no association with the mentioned creditors and never approved this inquiry. Please delete it at once.

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 2025-10-15 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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 have no connection to the listed creditors and never authorized this inquiry. Please remove it from my credit record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: WI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
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 2025-10-15 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MI

Complaint narrative:
Subject : Continued Reporting After Address Removal & Discharge No Permissible Purpose I am disputing continued reporting of bankruptcy-related data and associated tradelines after discharge. 

The bankruptcy ( XXXX ) was discharged on XXXX XXXX XXXX, and the address linked to that filing has been removed from my credit file. The data furnishers and bureaus are still reporting accounts referencing this discharge, even though : 1. The reporting entities have no permissible purpose under FCRA 604 ( a ) to continue furnishing data.

2. The bankruptcy was fully discharged and the associated accounts show {$0.00} balance.

3. No written consent or current address connection exists for continued reporting.

Under FCRA 611 ( a ) ( 5 ), unverifiable or inaccurate information must be deleted. Under FCRA 607 ( b ), credit bureaus must assure maximum possible accuracy continuing to attach my profile to outdated data violates both.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was the victim of theft when my vehicle was broken into and my credit and debit cards were stolen. I received alerts that my cards were being used days after theft occurred. Once I was aware I notified the police and my financial institution. NFCU credited back my personal account for the fraudulent charges. However, my business account remains affected. I submitted an appeal after they reversed the credit for fraud protection over 6months ago and they never responded back. I was not protected from fraud on my business account and NFCU fails to communicate with me and provide service regarding the fraud on my business account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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: OH

Complaint narrative:
I AM A VICTIM OF MULTIPLE INFORMATION DATA BREACHES FDATING BACK TO 2017 AND RECENTLY I BELIEVE XXXX TOTAL I LOOKED OVER MY REPORT AND SAW A HOST OF UNAUTHORIZED CONSUMER ACCOUNTS

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 2025-10-15 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: CA

Complaint narrative:
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX  days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Items Highy Requested XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation original contracts used to validate the dispute. 
XXXX. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
XXXX. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING.

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 2025-10-15 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: CA

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and unverifiable information being reported on my credit file. These errors are damaging my credit profile, violating my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611 and the Fair Credit Billing Act ( FCBA ). Despite my prior disputes, these items remain uncorrected. 

The following inaccurate information appears on my credit report : Wrong/Unverifiable Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX These addresses do not belong to me and must be permanently deleted as they are misleading and may be linked to fraudulent or mixed-file activity. 

Incorrect Account Reporting : XXXX XXXX * Reported late payment, High Balance {$490.00}, Opened XX/XX/XXXX. This reporting is inaccurate, incomplete, and unverifiable. 

XXXX XXXX * Reported late payment, XXXX XXXX {$18000.00}, Opened XX/XX/XXXX. I dispute the accuracy of this alleged delinquency. 

XXXX XXXX * Reported as a charge-off, XXXX XXXX {$24000.00}, Opened XX/XX/XXXX. This is an unverified and damaging entry that must be investigated and removed if the furnisher can not provide proper documentation. 

These errors are in clear violation of my rights under 15 U.S.C. 1681i ( FCRA Reinvestigation of disputed information ), which requires consumer reporting agencies and furnishers to promptly investigate and correct or delete inaccurate and unverifiable information. 

Because this misinformation continues to harm me, I demand that the CFPB : Compel the credit reporting agencies and furnishers to conduct a full reinvestigation. 

Require removal of unverifiable and inaccurate information from my credit file. 

Ensure compliance with the FCRA, FCBA, and CFPB consumer protection rules. 

I am requesting your immediate assistance in correcting these violations. Please confirm receipt of this complaint and advise me of the actions taken against the agencies and furnishers responsible for these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My Capital One credit card account was restricted in XX/XX/XXXX due to missing informaton. 
I made my final payment in XX/XX/XXXX, which exceeded the balance due, leaving a credit balance of {$3.00}. 
Capital Ones automated customer service line states that overpayments are refunded within 60 to 90 days, but I have still not received my refund. 
I have contacted Capital One several times regarding this matter : XX/XX/XXXX : Told refund would process with the next billing cycle. 
XX/XX/XXXX : Told again it would process with the next cycle. 
XX/XX/XXXX : First representative stated refund would be issued in XX/XX/XXXX. 
XX/XX/XXXX ( second call ) : Another representative stated that because the account is closed, I would not receive a refund at all. 
This contradicts Capital Ones own policy and violates the Fair Credit Billing Act ( FCBA ), which requires that creditors refund any credit balance within seven ( 7 ) business days of receiving a written request, even if the account is closed.

Capital One has failed to return my funds despite repeated inquiries over several months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
Background & Timeline Approx. XX/XX/year> : ACA repossessed my vehicle. I promptly paid the required fees and regained possession. 

Approx. XX/XX/year> : I received a notice from ACA stating my vehicle would be repossessed for nonpayment. When I called, I was told I allegedly owed a key fee from the prior tow/repo even though no replacement key was made or provided to me. 

XXXXXXXX XXXX : I repeatedly requested proof of any key replacement or itemized documentation showing why this fee was assessed. ACA representatives stated they would review and send the information, but I received nothing for approximately three months. 

XX/XX/year> : Without ever supplying the requested proof or a valid itemized ledger, ACA repossessed my vehicle again, citing late payments. American Credit Acceptance actually applied my monthly payment to this imaginary key fee they have yet to provide me with any type of documentation showing I received a new key. 

Payment misapplication ( key fact ) : During multiple calls, an ACA representative told me my monthly payments would not be applied to the disputed key fee while the issue was under review and would continue to be credited toward my regular installments. Despite that assurance, ACA applied my monthly payment ( s ) to the disputed key fee ), marked my regular installment ( s ) late, and then repossessed my vehicle againafter ~3 months of me requesting proof of the fee and receiving no documentation. 

American Credit Acceptance refuses to provide any documentation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-15 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: MD

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-10-15 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: MD

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe have inaccurate information. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. Please review these items and remove any that can not be verified as correct.

Company response to consumer: Closed with non-monetary relief