vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Balance : {$7600.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} - Date Opened : XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-11-26 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: AL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CBC Companies, Inc.
State: IL

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am writing to dispute the following charged-off account, which I believe is inaccurately reported on my credit reports. Below is the information for the account that I am disputing with each credit bureau. 

CHARGED OFF Account Name XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$19000.00}

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX of 2024, I applied for a Secured Credit Card with Capital One Bank. It was my understanding in order to rebuild credit using Capital One Platinum Secured Credit Card required a Deposit of {$200.00} as collateral so an account would be created using the Capital One Platinum Credit Card for purchases instead of using the {$200.00} cash that had been created for the account. Authorization was given allowing my account to be debit via XXXX XXXX XXXX  XXXX Account for the amount of {$200.00} The transaction was successfully done. Now that Capital One has collected a XXXX XXXX 28.74 % plus additional fees for the use of their Capital One Platinum Secured Credit Card, and the there are NO PENDING TRANSCATIONS, I have been informed Capital One has decided not to refund the {$200.00} deposit I made in XXXX for the purpose of using the Platinum Secured Credit Card to re build credit. I have made ALL on time payments and Have Reasons to Believe I am worthy to be offered an Unsecured Capital One Credit Card with a credit limit of $ XXXX {$500.00}. I have proven I am a very Committed, Trustworthy, and Loyal customer, so my {$200.00} Secured Credit Card Deposit should be returned back to me even if Capital One will not offer me an XXXX XXXX Credit Card. My Credit Score has increased tremendously since I received the Capital One Platinum Secured Credit Card last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: GA

Complaint narrative:
I hope youre doing well. Im contacting you regarding my U.S. Bank business credit card account. I recently discovered that my business card uses a centralized billing setup, but this was not clearly communicated to me at the time of enrollment. Because of this, I believed my regular credit card payments were covering the business account as well.

Due to this lack of clarity, a balance remained on the business card for several months without my knowledge, resulting in significant interest charges. As soon as I realized what had happened, I paid the full balance immediately. I always intend to pay my balances in full before the due date, and this situation occurred purely because the billing structure was not made clear.

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 monetary relief
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-26 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: NC

Complaint narrative:
This is my fifth and final dispute regarding the XXXX XXXX account listed below. The information currently being reported is inaccurate, incomplete, and/or unverifiable, and despite multiple disputes, your agency has failed to correct or remove it as required by federal law. 

Account in Dispute : XXXX  XXXX Reported Items : Charged off as bad debt Collection/Charge-off Derogatory Over Credit Limit ( Balance ) I have repeatedly exercised my rights under the Fair Credit Reporting Act ( FCRA ), including FCRA 607 ( b ) and 611 ( a ), which require consumer reporting agencies to ensure maximum possible accuracy and to delete any information that can not be fully verified. The continued reporting of this account in its current form demonstrates non-compliance with these requirements. 

Because the derogatory information associated with this account remains inaccurate, incomplete, or unverifiable, I am demanding a full reinvestigation and documented verification. If such documentation can not be produced, federal law requires deletion.

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 2025-11-26 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 filing this complaint because [ XXXX / XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === TU : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQ === TU : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute XXXX  XXXX  XXXX  Charge-Off ( {$520.00} ) Violations of FCRA 602, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) Report Date : XX/XX/XXXX ( Reference : XXXX XXXX XXXX Charge-Off Entry ) To Whom It May Concern : I am disputing the reporting of XXXX XXXX XXXX listed as a charge-off for {$520.00} on my consumer report.

This account is being reported inaccurately, incompletely, and in violation of FCRA accuracy requirements, including : FCRA VIOLATIONS IDENTIFIED 1. FCRA 607 ( b ) Maximum Possible Accuracy Requirement Violated My report contains contradictory delinquency information and a re-aged charge-off timeline, including multiple months of inaccurate past-due reporting after the account was already closed.

This is legally inaccurate data.

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnisher May Not Report Information They Can not Verify If the furnisher can not provide : Full payment history Original contract Correct Date of First Delinquency ( DOFD ) then the entire account must be deleted.

3. FCRA 623 ( a ) ( 5 ) Missing/Incorrect DOFD ( Illegal ) Any misreporting or non-reporting of DOFD requires deletion, not correction.

4. FCRA 611 My Right to Full Reinvestigation I am demanding the method of verification, including : The name and contact of the person who verified the debt Documentation used during verification The exact DOFD reported by the furnisher If you can not obtain this from FIRST PREMIER within 30 days, you must delete it permanently. 

REQUESTED ACTION Delete the XXXX XXXX XXXX  account immediately Provide a written confirmation of deletion Provide an updated copy of my consumer file Failure to comply will constitute willful or negligent noncompliance under FCRA 616617. 
Thank you, XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted 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 2025-11-26 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:
Can you look it over to make sure its correct? I did it late and may have slipped up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
These accounts are not mine, and I request their removal within 15 days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX restricted my account accesses after conflicting instruction on how to 1. ) deposit a check. They rejected my severance pay after I called customer service to do a mobile deposit. I endorse the XXXX check to cash management account only for back office to reject it. I was told memo line and pay to line with name on it wasn't enough to authorized the deposit 2. ) Then I noticed unauthorized activity on my account. Series of XXXX  XXXX  orders. Again I call customer service any they advise me to dispute the transaction. I believe the customer service agent stole my debit card info. Because i had confirmed the card number when speaking to agent prior to the charges. 

3. ) Now the bank blocked my account completely. I was told on XX/XX/2025 it was heading to closure

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Interest charge after promotional period ended and refusal to provide a one-time courtesy waiver. 

Details : My account with XXXX had a 0 % promotional interest period through XX/XX/year>. My account has been on autopay, and I did not receive clear or direct notice ( other than statement ) that the promotion was ending or that a large interest charge would be added afterward. 

When I contacted the lender, they stated that the information was in the statements, but relying solely on monthly statements is not an adequate or reasonable method of notificationespecially for autopay customers who do not expect changes in terms without direct notice. 

I asked for a one-time courtesy adjustment since this is my first issue and my payment history has been clean. The lender refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion and Experian failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-26 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am writing to dispute the following items listed on my credit report. Please review the accounts below for the appropriate corrections. Each bureau is addressed separately as follows : Inquiries : XXXX  Date of Inquiry : XX/XX/year> Late Payments : XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am writing to dispute inaccurate information being reported on my credit report by the following credit bureaus : XXXX  ( XXXX ), Equifax ( EQ ), and XXXX  ( XXXX ). Below are the details of the accounts in dispute, separated by each bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX Positive Accounts : None Late Payments : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation