vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
I am requesting that these accounts be investigated and permanently removed from my credit report as they are incorrect and not a valid reflection of my credit history. Please also place a fraud alert on my file to help prevent future misuse of my personal information. 
Attached are copies of my government-issued ID, proof of address, and a copy of my credit report with the fraudulent accounts highlighted for reference. If necessary, I am willing to provide a police report or identity theft affidavit as part of this investigation. 
Please conduct an immediate investigation into this matter, and provide me with written confirmation once the investigation is complete and the fraudulent information has been removed.

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 2025-07-29 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: MI

Complaint narrative:
I am requesting that these accounts be investigated and permanently removed from my credit report as they are incorrect and not a valid reflection of my credit history. Please also place a fraud alert on my file to help prevent future misuse of my personal information. 
Attached are copies of my government-issued ID, proof of address, and a copy of my credit report with the fraudulent accounts highlighted for reference. If necessary, I am willing to provide a police report or identity theft affidavit as part of this investigation. 
Please conduct an immediate investigation into this matter, and provide me with written confirmation once the investigation is complete and the fraudulent information has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Payment History Violation of FCRA & Consumer Credit Laws Dear Transunion Dispute Department, I am formally disputing the accuracy of the reported late payments on my auto loan with XXXXXXXX XXXX  account number XXXX, appearing on my Transunion credit report. The payment history for 2023 and 2024 contains multiple inaccurate and unverifiable late payment entries, which violate the

Fair Credit Reporting Act ( 15 USC 1681i ) and the Fair Credit Billing Act ( 15 USC 1666b ). Specifically : 1. The report contains rolling 30/60-day late marks that appear to be repeated without clear cause or continuity, suggesting
false delinquencies. 
XXXX. There is missing payment data for XX/XX/XXXX, creating a gap that violates the FCRAs requirement for completeness and accuracy. 
XXXX. The Recent Payment field is blank, even though this is an open and active loan indicating incomplete recordkeeping. 

These errors are materially damaging to my credit profile. Under 15 USC 1681i, you are required to conduct a full reinvestigation and remove any information that can not be verified within 4 business days of receipt of this letter. 
I am demanding the immediate permanent deletion of the reported late payments from this account. If the information can not be verified with full documentation, including original account statements, payment records, and late notices from the creditor, then it must be deleted under federal law. 

Failure to correct this inaccurate information will result in consideration of legal action for damages under 15 USC 1681n and 1681o. 

Please mail me an updated copy of my credit report upon completion of your reinvestigation. 

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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Experians continued reporting of inaccurate and unauthorized address information on my consumer credit report, despite my previous efforts to correct the record. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report and to have such disputed items investigated and appropriately resolved within a reasonable timeframe. 

I have provided Experian with my correct and current residential address, which is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX However, two additional addresses have been inaccurately reported on my Experian profile : XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX These addresses are not associated with my identity, and I did not authorize their inclusion on my report. Their continued presence may negatively affect my credit profile and compromise the accuracy of information relied upon by lenders and other parties. 

I respectfully request the CFPB to investigate this matter and ensure that Experian complies with its obligations under the FCRA by removing the erroneous address information from my consumer 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 explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-07-29 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully dispute the late payment shown, as it doesnt match my consistent payment record. Please recheck and fix it.

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 2025-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against a collection account reported by a company called XXXX ( or its affiliated collection agency ). This account was placed on my credit report without proper documentation or validation of the debt. 

I never received any proof from XXXX or the collection agency confirming that I opened or authorized the account in question. I sent multiple letters requesting verification and documentation to support the claim, including proof of the original agreement or contract bearing my signature. To date, I have not received a response or the requested documentation. 

This collection account has caused significant harm to my credit. After investigating, both XXXX  and XXXX  have removed the account from my credit report, acknowledging either its inaccuracy or failure to validate. However, the company continues to report this unverified account or refuses to provide sufficient documentation, and this remains a concern. 

I am requesting that the CFPB conduct an investigation into this matter and hold the creditor or collection agency accountable for violating the Fair Credit Reporting Act ( FCRA ), specifically for : Reporting unverifiable information to credit bureaus Failing to respond to my validation requests within the legally required timeframe Causing unnecessary damage to my credit standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

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 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. Specifically, there is an account listed that does not belong to meit belongs to someone else entirely, and it appears that my credit file has been inappropriately mixed with another individual 's financial data. 

This is a serious error. The account in question is not mine, and I have no connection whatsoever to the person it belongs to. I have never opened or been associated with this account, and its presence on my credit report is not only misleading but also damaging to my financial standing.

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 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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: TN

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 explanation
Consumer complaint received 2025-07-29 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: IL

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the following actions be taken immediately to correct the inaccurate reporting on my credit file : Permanent deletion of the repossession remark associated with the account : Creditor : XXXX XXXX Account Number : XXXX If the creditor can not produce complete, verifiable, and lawful documentation proving this was an actual repossession and not the result of a mechanical defect that I reported ( faulty transmission ) then this account must be removed entirely from my credit report in accordance with FCRA 1681i ( a ). 

If XXXX XXXX can verify the account but can not validate the manner in which it is being reported, I request that the status be updated to reflect the true nature of the vehicle return ( mechanical issue, not default ), and that all derogatory data related to the " repossession '' be corrected or removed. 

I also request that Equifax provide a detailed written summary of the results of its reinvestigation, including : Whether XXXX XXXX responded. 

What documents, if any, were reviewed. 

The outcome of the review process. 

This resolution is fair because it seeks to ensure that only accurate and legally substantiated information is reported on my consumer file, as required under FCRA 1681e ( b ). Misreporting a mechanical return as a repossession is materially damaging and must be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Im seeing an account on my credit report under the name WFNBA that I do not recognize. I attempted to find out what company this account is connected to, but have not received clear information or verification.

Under FCRA 611 and 623 ( b ), this item should have been verified for accuracy, and I have not received any proof of that. I am requesting that this tradeline be investigated and deleted from my credit reports if it can not be fully verified.

The company reporting this information has failed to follow proper credit reporting procedures, and it is affecting my credit standing.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
capital one issued a credit card to me. after accumulating charges I called to pay bill. 1st payment. I had to call because online would not accept my debit card which I was using to pay the bill. 

capital one customer service said they would not accept any payments unless I provided my personal bank account nbr to debit directly from. 

I refused. I closed the account and capital one is now refusing to accept full payment because I am still trying to use my debit card to make payment. 

now my credit score is in jeopardy. please help me pay this balance. I refuse to provide my personal banking my information. a debit card to make this payment is customary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated.

This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer 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 2025-07-29 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AL

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 explanation