vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
I never received or had the physical card in my possession from when opportun bank switched over to revel because I still had a balance on my account of {$130.00}. I just paid the balance off on XX/XX/year> to finally have a physical card sent to me. I didnt receive it in the mail. On XX/XX/XXXX, two fraudulent charges were made on the credit card for XXXX XXXX XXXX XXXX XXXX XXXX {$47.00} and XXXX XXXX XXXX XXXX {$250.00}. I dont live in XXXX XXXX I dont work in XXXX. I would have no reason to be there. I wasnt aware of the charges until I received the statement in the mail and I immediately called and reported the card stolen. The charges were taken off and an investigation was conducted. After their investigation it was determined that no error occurred. And the response below is what I was given by the cardholder dispute services for XXXX XXXX. 

We have come to this conclusion because : Your physical card was present where the CHIP was authenticated at the merchant 's terminal, with no errors, and the card was in your possession when the transaction occurred. 

Now the balance on the account is getting higher because I dont believe I should be paying for charges that I DID NOT MAKE. I feel like Im being scammed by this credit card company.

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 2025-11-20 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate / Unverifiable Information Under FCRA 602A, 607 ( b ), 611 To Whom It May Concern, I am writing to dispute multiple inaccuracies and unverifiable items on my Experian credit report. These errors must be corrected or removed immediately under the Fair Credit Reporting Act ( FCRA ).

1. Personal Information Errors- Remove incorrect names : XXXX XXXX XXXX, XXXX XXXX XXXX - Keep correct name : XXXX XXXX - Remove incorrect addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Keep correct address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX 2. Invalid Collection Accounts - XXXX XXXX  ( XXXX XXXX {$1000.00} ) : Unverified, incomplete data. 
- XXXX. XXXX ( XXXX {$1600.00} ) : No contract, itemization, or ownership documentation. 
REQUEST : Delete these collections unless full validation is provided. 
3. Incorrect Payment History - XXXX XXXX XXXX XXXX  : Unverified late payments. 
- XXXX XXXX ( Closed ) : Late marks after closure. 
- XXXX XXXX XXXX ( Closed ) : Missing payment verification. 
- XXXX XXXX : Incorrect late payments for XXXX & XX/XX/XXXX. 
REQUEST : Remove inaccurate late payments or delete accounts if unverifiable. 
4. XXXX Accounts Multiple Issues Several XXXX  accounts show missing data, duplicated entries, and inconsistent reporting. 
REQUEST : Remove any XXXX account lacking fully verifiable payment history. 
5. Unauthorized Hard Inquiries Remove the following inquiries I did not authorize : - XXXX XXXX XXXX  ( multiple ) - XXXX XXXX XXXX ( multiple ) - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX  FCRA Rights Invoked Under FCRA 607 ( b ) and 611, Experian must correct or delete any unverifiable, incomplete, or inaccurate information within 30 days and provide a corrected report. 
Thank you, XXXX 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 2025-11-20 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 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 Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

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 explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am submitting this formal complaint regarding the numerous inaccuracies, inconsistencies, and duplicative entries on my credit reports with Experian, Equifax, and TransUnion that are damaging my creditworthiness and misrepresenting my financial obligations. Specifically, the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported inconsistently, showing a {$0.00} balance on Experian and {$4300.00} on Equifax and TransUnion. Additionally, a XXXX  XXXX inquiry dated XX/XX/year> appears in Experian without authorization or verification. I have also identified multiple 1099-C charge-offs with discrepancies, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} ) reported across all three bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with balances ranging from {$8400.00} to {$22000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing {$4300.00} in Equifax and TransUnion, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$1100.00} in Equifax and Experian. These discrepancies, duplications, and inflated balances do not accurately reflect my financial obligations and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as 615 ( a ) ( Adverse Action Notices ), 612 ( a ) ( Public Record Information Accuracy ), and 618 ( Jurisdiction ). These errors also breach my rights under 602 ( a ) ( Purpose of FCRA ), 609 ( a ) ( Right to Access ), 611 ( b ) ( Notification of Results ), 616 ( Civil Liability for Willful Noncompliance ), and 617 ( Civil Liability for Negligent Noncompliance ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 submitting this formal complaint regarding the numerous inaccuracies, inconsistencies, and duplicative entries on my credit reports with Experian, Equifax, and TransUnion that are damaging my creditworthiness and misrepresenting my financial obligations. Specifically, the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported inconsistently, showing a {$0.00} balance on Experian and {$4300.00} on Equifax and TransUnion. Additionally, a XXXX  XXXX inquiry dated XX/XX/year> appears in Experian without authorization or verification. I have also identified multiple 1099-C charge-offs with discrepancies, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} ) reported across all three bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with balances ranging from {$8400.00} to {$22000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing {$4300.00} in Equifax and TransUnion, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$1100.00} in Equifax and Experian. These discrepancies, duplications, and inflated balances do not accurately reflect my financial obligations and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as 615 ( a ) ( Adverse Action Notices ), 612 ( a ) ( Public Record Information Accuracy ), and 618 ( Jurisdiction ). These errors also breach my rights under 602 ( a ) ( Purpose of FCRA ), 609 ( a ) ( Right to Access ), 611 ( b ) ( Notification of Results ), 616 ( Civil Liability for Willful Noncompliance ), and 617 ( Civil Liability for Negligent Noncompliance ).

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 2025-11-20 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:
Subject : Violation of FCRA 15 USC 1681i a 6 B iii Complaint : I disputed a XXXX XXXX charge off on XXXX XXXX The credit bureau marked the account as verified on XX/XX/XXXX. A one day turnaround is not a reasonable reinvestigation under the FCRA. I requested the Method of Verification under 15 USC 1681i a 6 B iii. This law requires the credit bureau to provide a description of the procedure used to verify the account, including the business name address, and telephone number of the furnisher they contacted.

The credit bureau did NOT provide this information. They only responded with a generic statement saying the account was verified, which does NOT meet the requirements of FCRA. 
By refusing to provide the Method of Verification, the bureau is reporting unverified and inaccurate information. This is a violation of 15 USC 1681i a and 15 USC 1681e b. 
I am requesting that the CFPB require the credit bureau to DELETE the XXXX Charge Off because it remains unverified.

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 2025-11-20 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:
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 explanation
Consumer complaint received 2025-11-20 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:
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 non-monetary relief
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am submitting to formally dispute inaccurate charge-off information appearing on my Equifax, Experian and TransUnion credit report and request a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ). My credit file currently contains reporting that is inconsistent with my verified account records and misrepresents my payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the misreporting charge-off accounts has a significant negative impact on my creditworthiness and mischaracterizes my credit history. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates credit reporting agencies to maintain procedures to ensure the maximum possible accuracy of all information reported. 
Reporting charge-offs clearly violates this requirement.

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 2025-11-20 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: KS

Complaint narrative:
Re : Credit Report Dispute XXXX  Account To Whom It May Concern, I am writing to formally dispute the accuracy of the following account that appears on my credit report. Please investigate this entry and remove or correct it as required under the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Partial Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Pay Status : Transferred ; was 120 days past due Remarks : Transferred to another lender This information is inaccurate and misleading. The account shows a {$0.00} balance, a transfer to another lender, and no ongoing payment obligations, yet the credit file continues to report a severe past-due status. Once an account is transferred or sold, any prior delinquency should not be reported in a way that gives the appearance of a currently delinquent account. The way this is listed is inconsistent with how transferred and closed student loan accounts are required to be reported. 

I am requesting a full verification of this account. If XXXX can not provide documented proof supporting the reported 120-day delinquency at the time of transfer, or if the reporting is not compliant with FCRA guidelines , please remove or correct the entry immediately.

Please complete your investigation and provide me with written results as well as an updated copy of my credit report.

Thank you for your prompt attention.

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 2025-11-20 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: FL

Complaint narrative:
I am formally disputing multiple inaccurate, unauthorized, and unverifiable items appearing on my credit reports from Experian, Equifax, and TransUnion, which are causing significant harm to my creditworthiness. Experian incorrectly reports XXXX  XXXX XXXX as late closed with a {$0.00} balance, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and 607 ( b ) 15 U.S.C. 1681e ( b ). The account XXXX XXXX  * is inaccurately reported as a charge-off with a {$200.00} balance across all three bureaus, XXXX XXXX * is XXXX with a {$0.00} balance in all reports, and XXXX XXXX * is reported with a {$480.00} balance, all of which violate FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), 605B, and 1681c-2. Additionally, multiple unauthorized inquiries appear on my reports, including XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and on TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which violate FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). These errors are causing substantial damage to my credit profile, including potential denial of credit, higher interest rates, and personal stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 disputing multiple inaccurate, unauthorized, and unverifiable items appearing on my credit reports from Experian, Equifax, and TransUnion, which are causing significant harm to my creditworthiness. Experian incorrectly reports XXXX  XXXX XXXX as late closed with a {$0.00} balance, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and 607 ( b ) 15 U.S.C. 1681e ( b ). The account XXXX XXXX  * is inaccurately reported as a charge-off with a {$200.00} balance across all three bureaus, XXXX XXXX * is XXXX with a {$0.00} balance in all reports, and XXXX XXXX * is reported with a {$480.00} balance, all of which violate FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), 605B, and 1681c-2. Additionally, multiple unauthorized inquiries appear on my reports, including XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and on TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which violate FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). These errors are causing substantial damage to my credit profile, including potential denial of credit, higher interest rates, and personal stress.

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 2025-11-20 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This is collections on my credit report I have never done business with midland credit management INC

Company response to consumer: Closed with explanation