vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While reviewing my TransUnion credit report, I noticed two outdated and inaccurate addresses still being reported : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and XXXX Bird XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. These addresses are not current and must be removed from my consumer file. My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Reporting outdated personal data violates my rights under the Fair Credit Reporting Act. According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy in the information they report. Including addresses that no longer apply to me is misleading, confusing, and not in compliance with that requirement. Furthermore, 15 U.S.C. 1681b limits the permissible use of my personal data, and continuing to publish outdated or unverified address information serves no valid purpose. These kinds of errors can seriously damage my financial life. Inaccurate addresses could trigger mismatches during credit checks, delay application approvals, or even result in identity verification problems. I should not be penalized for something I did not cause, and I should not be left to clean up data that TransUnion failed to maintain accurately. Their failure to remove these outdated addresses despite their inaccuracy shows a lack of care and accountability. This violates 15 U.S.C. 1681o, which holds credit bureaus liable for negligent noncompliance. If the reporting was willful, it also falls under 15 U.S.C. 1681n, which permits civil damages of {$100.00} to {$1000.00} per violation. I expect TransUnion to correct this immediately and take the accuracy of my personal information seriously.

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XX/XX/year> - XXXX wrote Barclay 's Card Services requesting action against XXXX XXXX XXXX ( ACL ) for a refund of {$490.00} for airfare, which ACL received a refund from XXXX XXXX and {$6900.00} for cruise as ACL failed to provide the services to get me to the cruise departure site. Airfare was booked by XXXX. I provided Barclay 's will the letter and documents I sent to ACL. 

XX/XX/year> - Barclay 's letter to XXXX stated " ... unable to obtain credit on your behalf because we were not provided with the nature of the dispute prior to the charge being disputed. '' XX/XX/year> - XXXX called Barclay 's and was informed that ACL would not cooperate and that they could not refund the {$8300.00} charged. I informed the agent I did not request {$8300.00} and only the amount noted in XX/XX/year> letter. Agent advised XXXX to send a letter to reopen dispute. 

XX/XX/year> - XXXX again sent a letter to Barclay 's as instructed stating the same request in the XX/XX/year> letter. 

XX/XX/year> - Barclay 's letter to XXXX again said they can not refund {$8300.00}, WHICH WAS NOT REQUESTED, for the following : " Insufficient proof that the merchant has violated the invoice/contact 's terms of service. Merchant has not violated the terms of the contract. ''

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
They charged a yearly fee without notifying me and the card has been unused for months with not enough limit to charge. If I was notified my fee was coming up I would of had the card paid down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I am submitting this complaint regarding multiple hard inquiries that appear on my TransUnion credit report. I do not recognize these inquiries and do not recall initiating any credit applications with the following companies : XXXX XXXX XX/XX/XXXXXXXX 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 I did not authorize or initiate these inquiries and am requesting that TransUnion conduct a reinvestigation and remove them from my credit file. These inquiries are impacting my credit profile and were not the result of any application I made.

I respectfully ask for a full review and removal of these entries in accordance with the FCRA.

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 2025-07-31 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: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-31 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
Someone took a credit card out in my name back in XX/XX/year>2022 and I have no knowledge of this until it appeared on my credit report. On the report it says a different date that the company told me on the phone. I told them my purse was stolen and all my information was in there. They have my name, address, date of birth correct but not my email or phone number. Please see blow the place I called to try and fix this. 

Open balance {$1600.00} CENTRAL PORTFOLIO CONTROL Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
COMPLAINT SUMMARY INACCURATE, MISLEADING, AND UNVERIFIABLE ACCOUNTS ON MY CREDIT REPORT My name is XXXX XXXX and I am filing this complaint because there are several inaccurate and derogatory accounts currently being reported on my credit report that violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

I have already disputed some of these accounts multiple times directly with the credit bureaus, and they continue to appear without proper investigation or validation. The following accounts are in question : XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Reporting a large balance and derogatory status without proper verification. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX Incorrect late payment reporting and failure to validate. 
XXXX. XXXX  XXXX Account # : XXXXXXXX XXXX XXXX  Closed with {$0.00} balance but still marked derogatory, which is inaccurate and misleading. 
XXXX. XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Outdated account still reporting negatively with no recent activity or justification. 
XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account is closed and has a {$0.00} balance but still marked as derogatory. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX  Account is closed with {$0.00} balance, still showing as negative and impacting my credit score. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX  Very old account ( opened in 2013 ), closed, {$0.00} balance, and still reporting negatively likely outdated and unverifiable. 

These accounts contain errors, outdated data, or unverifiable derogatory information. I am requesting : A full reinvestigation of each account, Validation from the furnishers of the derogatory data, and The complete deletion of any account that can not be 100 % verified for accuracy and timeliness under the FCRA. 

Continued reporting of inaccurate or unverifiable information without adequate documentation is a willful violation of the FCRA, and I am prepared to escalate legally if needed. 

Please take this complaint seriously and resolve these issues promptly.

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 2025-07-31 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: NC

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 2025-07-31 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: CA

Complaint narrative:
I am writing to dispute the unauthorized reinsertion of a previously deleted account on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
I have previously disputed Experian, XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-31 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-31 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: FL

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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$520.00}

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are missed payments documented on my credit report that are inaccurate. When disputed with the credit bureau, they were ignored and no follow up has occurred. Ive tried the appeals process with no result and wish to have these inaccurate reports removed from my credit history.

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 2025-07-31 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:
There are missed payments documented on my credit report that are inaccurate. When disputed with the credit bureau, they were ignored and no follow up has occurred. Ive tried the appeals process with no result and wish to have these inaccurate reports removed from my credit history.

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 2025-07-31 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: NY

Complaint narrative:
There are missed payments documented on my credit report that are inaccurate. When disputed with the credit bureau, they were ignored and no follow up has occurred. Ive tried the appeals process with no result and wish to have these inaccurate reports removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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