vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-15 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: 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 2025-10-15 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 explanation
Consumer complaint received 2025-10-15 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: CT

Complaint narrative:
In XX/XX/XXXX, while on vacation in XXXX, I signed up for XXXX XXXX XXXX vacation club. After 3 days, I tried to cancel my membership but was told I must wait until I return home to the States. After returning home, I started getting monthly bills for the maintenance fee. Initially, I paid to avoid ruining my credit while I disputed canceling my membership with Barclays Bank. This dispute lasted over XXXX years, and during that time, I ended up paying over {$2000.00}. Eventually, I got frustrated and quit paying because this dispute was not getting resolved. In XX/XX/XXXX, I received a summons to 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: AL

Complaint narrative:
CAPIO PARTNERS LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research CAPIO PARTNERS LLC is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Formal Dispute XXXX XXXX XXXX  Reporting Errors & FCRA Violations Record Type : XXXX XXXX XXXX Status : Discharged Date Filed : XX/XX/XXXX Date Closed/ Settled / Satisfied : XX/XX/XXXX Responsibility : Individual Reference Number : XXXX Court : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} Liability / Amount Owed : {$0.00} I am writing to dispute the reporting of the above-referenced Chapter XXXX Bankruptcy, which contains multiple inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ). 

Errors & Violations Identified : Inaccurate Reporting of Responsibility : The account is listed as Individual without verification or supporting documentation. Misreporting responsibility violates FCRA Section 607 ( b ), which requires accurate and complete information. 

Failure to Reflect Accurate Dates : While the bankruptcy was filed on XX/XX/XXXX and closed/satisfied on XX/XX/XXXX, certain dates remain blank or unverified in the report ( Date Reported, Date Settled, Date Verified, Closing Satisfied ). Inaccurate or incomplete reporting violates FCRA Section 607 ( b ).

Failure to Correct After Previous Disputes : Any prior dispute that was not fully investigated or corrected violates FCRA Section 611 ( a ). Credit bureaus are required to conduct a reasonable reinvestigation of all disputed information.

Improper Impact on Credit Evaluation : Misreporting dates, responsibility, or satisfaction of the bankruptcy may mislead lenders and other creditors, violating FCRA Section 609 ( a ), which requires accurate 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 non-monetary relief
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing a complaint against Hunter Warfield , Inc., regarding a debt collection matter connected to my former landlord, XXXX XXXX XXXX ( managed by XXXX  XXXX  ). 

On XX/XX/year>, I submitted a certified dispute to XXXX XXXX XXXX regarding their Statement of Deposit and requested proof of all claimed charges, in accordance with Florida Statute XXXX. XXXX XXXX XXXX never responded to my written dispute or provided any documentation. Despite their noncompliance, they forwarded an alleged debt of {$3000.00} to Hunter Warfield , Inc . 

On XX/XX/year>, Hunter Warfield contacted me by letter. That letter repeated XXXX error by listing my address incorrectly, which confirms that XXXX passed along my information without reviewing or responding to my dispute. 

Since then, Hunter Warfield has accessed my credit report twiceon XX/XX/year>, and XX/XX/XXXX, XXXXboth labeled as Account Review inquiries. Because the alleged debt was already in dispute and unverified, these inquiries were unauthorized under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

These actions constitute violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate : Hunter Warfields unauthorized access of my credit file ; Their continued collection efforts on a debt that remains legally unvalidated ; and XXXX XXXX XXXX failure to comply with Florida law before assigning or selling the account. 

Supporting Documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) Certified Mail Receipt ( XX/XX/year> ) Hunter Warfield Collection Letter ( XX/XX/year> ) Credit Report showing inquiries ( XX/XX/year> and XX/XX/year> ) Copy of my formal dispute to Hunter Warfield ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: IL

Complaint narrative:
I am writing to formally dispute the above-referenced account, which has been reported twice on my credit report. The reporting is inaccurate and misleading due to the following reasons : 1. The account is reported twice for the same debt, which is prohibited under the Fair Credit Reporting Act ( FCRA ).

2. The account includes premature and backdated fees ( lien fee, auction fee ) that do not comply with the lease terms. For example : The lien notice stated I had until XX/XX/XXXX to pay, yet a lien fee and auction fee were added earlier or retroactively dated. 
XXXX. My unit was auctioned on XX/XX/XXXX, yet I was charged XXXX rent, even though I no longer had possession of the unit. This is clearly invalid. 
XXXX. I was never notified when the account was sent to collections prior to your first email on XX/XX/year>, despite the collection account being opened on XX/XX/year>. 
XXXX. Original invoices did not reflect these fees at the time they were added, making the reporting misleading and inaccurate. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Full validation of the debt with documentation showing the correct balance, fees, and dates, Removal of both duplicate entries from all credit reporting agencies unless the debt can be fully validated, and Written confirmation of the results of your investigation. 

Please consider this letter a formal dispute and request for verification. I also request that all future communication be in writing only. 

Attached are copies of my invoices, emails, and lease excerpts that support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year> at XXXX I met with my sister to call in regarding my account. I am fully XXXXXXXX XXXX and unable to communicate via phone. I am unable to use a cellular device due tXXXX XXXX XXXX XXXX. I am unable to easily travel due to a XXXX XXXX  and complications with attaching medical equipment effectively to my chair. 

My sister often acts as a translator for me as most people are unaware of how to sign. I met with her to call into the bank to unblock my debit card as I accidentally responded to a text marking an approved transaction as potential fraud. ( XXXX ). 

While Truist does not have XXXX accessible options for me to reach them, AT ALL, they insist on me using a translator who is not present with me, which is not possible as that still requires phone use at a minimum. 

Even if my sister were to sit and wait with me while we called their XXXX line for deaf users, we would have to sit on hold an ADDITIONAL XXXX minutes as we had already been on hold and waiting for XXXX minutes to have the initial conversation. Truist 's XXXX translator option does not take into account my other XXXX that prevent me from using that service, it is specifically only for deaf users. They act like I'M the one inconveniencing them, and refuse to ask any verifying questions to unblock my account. 

My sister asked the supervisor to email me with her reason as to why she would not unlock my account for my records, and she refused. So my sister opted to record the phone call and asked for her to state the reason she was denying my request with no accommodations, and she hung up. 

I am mentally perfect, I am capable of answering any verification questions needed to unblock MY account. I provide my own translators OFTEN as it is frankly difficult to communicate with certain companies, the fact that they refuse a translator is exhausting. 

I will be closing my account with Truist and will pursue further accountability to ensure this does not continue to happen to competent XXXX people unchecked.

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 2025-10-15 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-15 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NV

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-15 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NV

Complaint narrative:
XX/XX/year> inquiry made by XXXX XXXX without my knowledge

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 2025-10-15 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: FL

Complaint narrative:
Unauthorized Reporting of Accounts in Violation of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because one or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted EQUIFAX several times to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response. 
This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities. 
I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( s ) and/or credit bureau ( s ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and Delete any information reported without such authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want to make monthly payments from my business checking account to my credit card every month to pay off the balance in full every 30 days. In the past this has been simple. For my current personal bank account with the same company, B of A, it has been simple. Nobody can help me make my monthly payment. I suspect they now make it hard on customers on purpose and require many steps for this process so that they can charge interest to more client who are used to setting up autopayments. They told me I had to wait 2 more months to even have the ability to do this.

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 2025-10-15 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: SC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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