vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: PR

Complaint narrative:
I filed XXXX separate complaints with the CFPB against TransUnion for reporting inaccurate or unverifiable credit data and failing to conduct adequate investigations : Complaint # XXXX " Incorrect information on your report '' XX/XX/XXXX Complaint # XXXX " Problem with a companys investigation into an existing problem '' XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX " Incorrect information on your report '' XX/XX/XXXX Each case was officially marked Closed with explanation, but none resulted in correction or removal of the disputed items : Missing hard inquiries since XX/XX/XXXX Incorrect late payment notations on multiple accounts ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Duplicate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, balance, status ) Credited utilization reported at XXXX XXXX which is mathematically impossible An XXXX account reported as XXXX despite being under forbearance ( protected under FCRA and CARES Act XXXX In all instances, TransUnion confirmed they investigated XXXX disputes and contacted furnishers but failed to explain why none of my detailed documentation was considered sufficient, and whether any disputes were deemed frivolous, as required under 15 U.S.C. 1681i ( b ) ( 1 ).

Despite providing clear and documented evidenceincluding account statements, utilization calculations, forbearance status letters, and screenshotsTransUnion did not correct a single item, nor notify me of any frivolous dispute determination.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
UNAUTHORIZED HARD INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I

would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

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 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
I am writing to formally dispute the validity of the account associated with my name and personal information. At the time in question, I was a minor and did not reside at the address associated with this account. I had an active lease and lived in XXXX XXXX  in Virginia since 2020, which makes it logistically and legally impossible for me to have been responsible for any account or charges tied to another residence.

Given this information, I respectfully request that you cease all collection activity and remove this account from any credit reporting agencies it may have been reported to. I am also requesting documentation validating the debt and the associated residency, as required under the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was current with my American Express Business Platinum card but deinquent in payment with my American Express XXXX XXXX XXXX card. I informed American Express I intended to remain current with my payments with my business cards but had enrolled in a debt consolidation program for my personal cards. American Express suspended use of both cards and reduced my spending limit on my business card {$16000.00} below the remaining balance. Nevertheless, I remained current on the business card despite not being able to use it. Two days ago, American Express canceled both cards, again, despite my business card being current, and today notified me that the full balance on the business card is due now to avoid collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
my mom passed XXXX process with capital one shortly thereafter.they requested certificate of trust to be filled out and sent in.also sent in payable on death forms with accounts and recipients along with death XXXX weeks later i get an email saying capital one doesn't pay beneficiaries ( i sent in THEIR payable on death form, notarized ) .no explanation why. then they want revised certificate of trust form ( if they would answer the phone they wouldn't need revisions ), i wait usually XXXX weeks before an email request comes asking for something to be changed. called on XX/XX/year> and was told management will call within XXXX hrs, still no call. capital one will not speak to you directly about your claim/file you can only speak to operators. the payable on death paperwork along with death cert should have been enough. this process is at the 2 month mark.the only thing capital one operators will say is that they are working on it and they will send the '' estate team '' a message.they are holding my family money hostage, collecting interest on it, dragging their feet and providing horrible customer service causing further grief to my family.i have creditors of my moms calling wanting to be paid from the funds capital one is holding.case number XXXXcapital one is happy to accept your money however when a loved one dies they do not want to let go of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
XXXX of XX/XX/XXXX XXXX XXXX XXXX  is no longer the XXXX XXXX for my XXXXXXXX XXXX XXXX XXXX XXXX receive A GAP payout for the vehicle. XXXX XXXX XXXX is reporting incorrect and inaccurate report and status of the vehicle that was closed by me and should state as such. As well as the Credit bureaus EQUIFAX, XXXX XXXX XXXX. I'am in the middle of a background check for a job position, this inaccurate and incorrect reporting is affecting my ability to pass background I need this incorrect reporting removed immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is no longer the XXXX XXXX for my XXXXXXXX XXXX XXXX XXXX XXXX receive A GAP payout for the vehicle. XXXX XXXX XXXX is reporting incorrect and inaccurate report and status of the vehicle that was closed by me and should state as such. As well as the Credit bureaus XXXX, TRANSUNION AND XXXX. I'am in the middle of a background check for a job position, this inaccurate and incorrect reporting is affecting my ability to pass background I need this incorrect reporting removed immediately 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX of XX/XX/XXXX XXXX XXXX XXXX  is no longer the XXXX XXXX for my XXXX XXXX XXXXXXXX XXXX XXXX  receive A GAP payout for the vehicle. XXXX XXXX XXXX is reporting incorrect and inaccurate report and status of the vehicle that was closed by me and should state as such. As well as the Credit bureaus XXXX XXXX XXXX EXPERIAN. I'am in the middle of a background check for a job position, this inaccurate and incorrect reporting is affecting my ability to pass background I need this incorrect reporting removed immediately 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 explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

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 2025-07-28 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: NJ

Complaint narrative:
Ive already disputed the XXXX XXXX XXXX XXXX XXXX XXXX ) with Experian multiple times and even submitted my FTC Identity Theft Report, proof of identity, and a written statement. But Experian continues to report the account like nothing was wrong. No real reinvestigation was done ; they just updated it based on what the furnisher said, without addressing what I actually disputed. Thats a violation of 15 U.S.C. 1681i ( a ).

Also, I never gave written permission for this account to appear on my report, which violates 15 U.S.C. 1681b ( 2 ). Experian has a duty to make sure the data they report is fully accurate under 15 U.S.C. 1681e ( b ), but this account is still on my report even though its not verified. 
I want Experian to fully explain how this account was verified instead of giving me a generic updated status. Under 15 U.S.C. 1681i ( 7 ), I have the right to know exactly what steps were taken in the reinvestigation. Im requesting a complete Method of Verification, which includes : the name, address, and phone number of the furnisher ; the name of the person who verified it ; copies of any documents used to verify the account, including an original contract with my wet signature ( not an electronic record ) ; and a detailed outline of the procedures Experian followed when investigating my dispute. 

If they cant provide these details, then this account must be DELETED IMMEDIATELY because they clearly can not verify it. I also want my personal information corrected, remove all outdated addresses ( especially XXXX XXXX XXXX, XXXX, NJ ), fix the incorrect name XXXX XXXX to XXXX XXXX, and ensure my SSN and date of birth are accurate. I expect a written response confirming these changes along with an updated copy of 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 explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified XXXX 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: COMMERCE BANK
State: MO

Complaint narrative:
The rewards offer made by Commerce Bank actually provided less reward than the standard offer. On XX/XX/XXXX, I received the following offer : {$30.00} for XXXX points XXXX, you've earned a point redemption opportunity Your recent purchase unlocked a Commerce Bank Rewards redemption offer. You will receive a credit for {$30.00} to your XXXX ( XXXX  XXXX ) in exchange for XXXX points from your Commerce Bank Rewards account. This opportunity expires on XXXX 

The standard rewards for XXXX points in the Commerce Bank rewards program is {$50.00}. So they are offering me a special deal that is actually {$20.00} less than what I would get normally. 

To prove my point, I logged into my rewards account and redeemed {$50.00} credit to my account for XXXX points. I believe this is a very underhanded tactic by Commerce Bank. They are taking advantage of people who do not know the rewards program and depriving them of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: VA

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 XXXX 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, VA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief