vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I am filing a complaint regarding the Milestone Mastercard due to multiple issues that have caused significant inconvenience and financial hardship. 

First, the company failed to mail my card to the correct address. As a result, I had to request a replacement card. When the replacement finally arrived, it did not work at all. I was unable to make essential purchases such as gas and groceries, which put me in a difficult and urgent situation. 

Additionally, Milestone advertises 24-hour customer support. This is misleading. I have call logs and documentation showing that no one answers the phone after approximately XXXX XXXX  XXXX XXXX. I live on the XXXX XXXX, so the limited customer service hours make it nearly impossible for me to get assistance when I need it. This contradicts their advertised 24-hour support and has left me without help during critical moments.

If I had known about these issuesincluding the card being mailed incorrectly, the replacement card not functioning, and the lack of true 24-hour customer serviceI would not have applied for or used this card. I am requesting that the CFPB investigate these practices and ensure that Milestone Mastercard provides accurate information and reliable service to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
To Whom It May Concern, I am filing this complaint because my credit file contains inaccurate and unverified information that violates the Fair Credit Reporting Act. Despite previous disputes, the furnishers continue reporting data that fails the FCRA accuracy standards under 602 ( A ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). These errors have caused credit denial and financial harm. 
XXXX XXXX Account No : XXXXXXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Reported as LATE PAYMENT * * This reporting is inaccurate because I have never made a late payment. The furnisher has failed to verify or provide proper documentation. Reporting unverified or incorrect information violates FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611, and FCRA 607 ( b ). I request correction of the payment history to reflect no late payments.

Laws Violated : FCRA 602 ( A ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( b ). 
XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry and gave no permissible purpose. This violates FCRA 604 ( a ), 604 ( a ) ( 2 ), 604 ( a ) ( 3 ), and 607 ( a ). I request removal of this unauthorized access.

Laws Violated : FCRA 604 ( a ), 604 ( a ) ( 2 ), 604 ( a ) ( 3 ), 607 ( a ), 615.

I am requesting CFPB intervention to enforce compliance, remove inaccurate information, and ensure proper correction under 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 non-monetary relief
Consumer complaint received 2025-11-19 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 am filing a complaint regarding several inaccuracies on my credit reports that remain unresolved despite previous disputes. The following accounts continue to report incorrect information : XXXX XXXX is showing an inaccurate balance of {$390.00} ; XXXX XXXXXXXX XXXX reporting a balance of {$0.00}, which conflicts with the information I received from the creditor ; XXXX XXXX XXXX is reporting an incorrect balance of {$660.00} ; XXXX XXXX XXXX is listing an inaccurate balance of {$210.00} ; XXXXXXXX XXXX XXXXXXXX is showing an incorrect balance of {$0.00} ; and XXXX XXXX is displaying a balance of {$1100.00} that appears to be inaccurate. These inconsistencies indicate the accounts may not have been properly investigated under the FCRA, and I am requesting that each item be thoroughly reviewed and corrected as required 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 non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX  Re : Demand for Compliance Unauthorized Inquiries To Whom It May Concern, On [ date of first 609 letter ], I submitted a request under FCRA Section 609 ( a ) ( 1 ) ( A ) for full verification of the following inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To date, you have failed to provide documentation bearing my signature authorizing these inquiries. Under FCRA Sections 611 and 623, failure to provide proper verification within 30 days constitutes a violation of the law. Therefore, these unverified inquiries must be deleted immediately. 

Please provide written confirmation of deletion within 15 days of receipt of this letter. If you continue reporting unverifiable information, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, 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 2025-11-19 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: TX

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX  Re : Demand for Compliance Unauthorized Inquiries To Whom It May Concern, On [ date of first 609 letter ], I submitted a request under FCRA Section 609 ( a ) ( 1 ) ( A ) for full verification of the following inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To date, you have failed to provide documentation bearing my signature authorizing these inquiries. Under FCRA Sections 611 and 623, failure to provide proper verification within 30 days constitutes a violation of the law. Therefore, these unverified inquiries must be deleted immediately. 

Please provide written confirmation of deletion within 15 days of receipt of this letter. If you continue reporting unverifiable information, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 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: CA

Complaint narrative:
Received Notice of Right to Cure Default from the creditor, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, must cure default XX/XX/XXXX. The creditor reported the account as delinquent to credit reporting agencies. 

Delinquent notice to Transunion on XX/XX/XXXX and credit score dropped -43 points. Delinquent notice to Experian on XX/XX/XXXX and credit score dropped -37 points.

This was done prematurely with my being given the opportunity to act on a " Notice of Right to Cure Default XX/XX/XXXX. Reporting an account as delinquent before date is a violation of fair credit reporting laws. This was done prematurely. Account was cured.

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 2025-11-19 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: GA

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information XXXX. XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$16000.00} XXXX. XXXX  Open Date : XX/XX/XXXX XXXX : {$11000.00} XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : {$5300.00} XXXX. XXXX & XXXX ( Collection for XXXX  ) Open Date : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$350.00} XXXX. XXXX Open Date : XX/XX/XXXX Balance : {$0.00} ( Closed Account ) Fraudulent inquiries XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief