vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : 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

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 2025-06-26 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : 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 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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I have a {$100.00} Vanilla gift card that I have tried to use online as well as several physical stores. The card says it can be used anywhere Visa is accepted, but this is not true. When I contact customer support I am told to try a different retailer, but this does not work. They are being entered as credit/debit cards as Vanilla customer service advises and it still will not go through. This is the second time I have had issues with Vanilla gift cards that have been bought for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MN XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX 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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
I am writing to formally dispute the collection account that Aldous ( XXXX XXXX ) is reporting to the credit bureaus regarding an alleged debt from utilities. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with utilities, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ) as it is unverified and disputed. Please respond to this dispute in writing within 30 days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-06-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not apply to these companies, nor did I authorize them to access my credit file. This is a clear violation of my rights as a consumerrights that should be protected, especially during an already stressful time in my life.

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 2025-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX has locked my account under the pretense of identity verification but is refusing to accept or process my certified California court order confirming my legal name and gender change. Despite repeated offers to submit this legal document, the company has not provided any channel to upload, mail, or verify it. 
As a result, I have been denied access to my own funds and subjected to discriminatory treatment in violation of federal law and California law. 
Key Facts : I legally changed my name and gender through a court order issued in California. 
I am an account holder with XXXX XXXX. 
My account was locked pending identity verification. 
I have offered to provide my certified California court order multiple times. 
XXXX XXXX has refused to accept it or provide a method of submission. 
I have requested that my funds be released immediately via : Transfer to my already-linked external bank account, or Certified check sent to my verified address. 
Legal and Regulatory Violations : 1. Federal : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( a ) Prohibits discrimination on the basis of sex in any aspect of a credit transaction. 
Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sex-based protections include gender identity. 
CFPB issued interpretive guidance in XXXX affirming ECOAs coverage of gender identity discrimination. 
XXXX XXXX actions constitute unlawful sex discrimination under federal law.

2. Federal : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Financial institutions must maintain accurate identity data.

Refusing to update records based on a legal California court order may result in inaccurate or outdated identity verification procedures.

3. California : Gender Recognition Act ( SB 179, 2017 ) California law requires that state-recognized gender changes and name changes be respected and treated as legally valid.

California Code of Civil Procedure 1277 & 1278 : Court orders recognizing gender and name changes are legally binding.

Under California Civil Code 51 ( Unruh Civil Rights Act ) : It is unlawful for a business to deny services based on gender identity or gender expression. 
XXXX XXXX, by operating in California, is subject to this law. Denying account access after a valid gender/name change is a violation. 

Harm Suffered : Blocked access to personal financial resources. 
Emotional distress from being misgendered and treated as fraudulent.

Potential public outing and privacy invasion.

Financial hardship and disruption to daily living.

Requested Relief :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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 2025-06-26 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
I DISPUTED A MEDICAL BILL THAT I WAS UNAWARE OF WITH THE FOLLOWING COLLECTION AGENCY JON BARRYXXXX XXXX XXXX XXXX I REQUESTED FOR AN ITEMIZED STATEMENT LISTING SERVICES WITH THE CPT CODES NOTING FULL DESCRIPTIONS AND ACTUAL COSTS NOT OVERBILLING IN EXCESS. I WANT A FULL LISTING OF THE HOSPITAL CHARGES. THIS COLLECTION AGENCY HAS PLACED THIS ON MY CREDIT REPORT AND HAS NOT PROVIDED THE FULL STATEMENT AS REQUESTED, PER MY RIGHTS. I NOTIFIED EXPERIAN OF DISPUTE. 
Potentially negative Date opened XX/XX/year> Balance {$840.00} Status Collection account THANK YOU IN ADVANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
My ex boyfriend used my name to apply for several accounts and then literally left me high and dry. I can not locate or find him, he just ghosted me. I didn't open these accounts, I would like these things to be taken off my credit because they are not my 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 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: WI

Complaint narrative:
Date of medical room visit : XX/XX/XXXX Date that XXXX XXXX XXXX XXXX XXXX ran insurance : XX/XX/XXXX Went to XXXX XXXX in XXXX XXXX, WI. XXXX XXXX XXXX XXXX did not run my insurance despite having that information updated in the health system. I called them to give my insurance information, which they did not run until later. During this time, they sent the un-run amount of {$970.00} to collections despite the fact that they should have received payment from my insurance provider. I never received another bill after they said they would run through insurance either. Since then, I did not receive anything else in the mail or calls ( my phone filters spam, which the collections calls were likely marked as ) until a notice of my debt being in collections and being escalated. I called in XX/XX/XXXX once I received this notice. My insurance called them to verify that they did indeed pay XXXX XXXX XXXX XXXX. I was given a reference number of XXXX from my insurance agent ( who spoke to XXXX ) that reported it would take 30 days to process. I waited, until 2 days ago ( XX/XX/XXXX ) I received a credit alert that my " collections debt '' had been increased. Upon further inspection, this is the old debt from this whole debacle that has since been added to my credit report. 

I called ( today, XX/XX/XXXX ) to the collections agent ( XXXX ) to ask what was happening. XXXX states they did not receive any payment or verification that XXXX XXXX XXXX XXXX was paid ( even though my insurance person that called them stated they sent it ). I then called my insurance ( XXXX ) who reported that they can only share the proof of payment with the original group ( XXXX XXXX XXXX XXXX ) and not the collections agency ( XXXX XXXX XXXX ). The XXXX XXXX XXXX XXXX needs to now send this proof of payment to collections to correct THEIR error, however, when I have tried to discuss this with them in the past, they told me that my account was " closed '' and I could only discuss information with the debt collectors.

Insurance : XXXX, phone - XXXX Debt Collections : XXXX XXXX XXXX ; phone : XXXX ; email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One keeps sending me emails which contains false advertisement. It solicits opening up checking accounts and applying for car loan when its intention is to deny service based off of falsified information which capital one employees can not verify to be true. Capital One employees refused to specify whether or not denied applications hold value as intangible assets and that they are placed in goodwill for future securitization. Id like to obtain accounting information which confirms that capital loaned me its own assets from its bank account? Is Capital One permitted to provide loans in America while serving a foreign principal or would they have to Americans outside the United States if they were to loan a funds? Am I paying back the loan or just the interest of a loan that Capital One obtained elsewhere? When did I grant Capital One permission to report to consumer reporting agencies and where is the express contractual agreement where agreed that capital one could report private business transactions while unlawfully obtaining the use of my credit through commercial instrumentalities? Does Capital One purchases credit reports from consumer reporting agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

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