vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

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 2025-09-06 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:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: WA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from XXXX I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau

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 2025-09-06 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: CA

Complaint narrative:
I submitted a formal dispute to Equifax regarding accounts on my credit file that do not belong to me. I provided an identity theft report as supporting documentation with my dispute. Despite this, the inaccurate accounts remain on my Equifax credit report, which is negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
Spring Oaks Capital LLC -- {$2500.00} I have requested for this company to provide validation for the debt amount and the accuracy. This information was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I filed a dispute with Experian to request the removal of accounts that are not mine. To support my dispute, I submitted an identity theft report proving these accounts were a result of fraud. However, Experian has continued to report the disputed accounts, leaving my credit report inaccurate and harmful 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 2025-09-06 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:
An account from XXXX XXXX XXXX is being reported inconsistently across my credit files. TransUnion reports an account with a balance of {$240.00}, opened XX/XX/XXXX and reported/closed on XX/XX/XXXX. Equifax reports a related account with a {$240.00} balance, also reported/closed XX/XX/XXXX, but classified as Factoring Companies. Experian does not report this account at all. 

I requested validation and supporting documentation from the company, including proof of ownership, original creditor records ( XXXX XXXX XXXX. ), and account history. The company did not provide this information. 

Reporting inconsistent, unverifiable, and incomplete information across credit bureaus violates the FCRA. I request a full investigation, and if the company can not provide complete and verifiable documentation from the original creditor, both tradelines must be deleted from my TransUnion and Equifax credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

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 2025-09-06 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:
Today, XX/XX/year>, I submitted XXXX disputes with Transunion. They have allowed for my personal information to be breached, hacked, and shared without my consent. There are XXXX different accounts with inaccurate information on my credit report and it is reporting not only to Transunion, but the Experian and Equifax as well. These accounts have been updated recently and I plan on uploading documentation and letters that have been written and submitted to Transunion upon your request. I believe that if they can handle my private and personal information so carelessly, they can responsibly remove any negative/disputed information on different accounts on 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 2025-09-06 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: FL

Complaint narrative:
An account from XXXX XXXX XXXX is being reported inconsistently across my credit files. TransUnion reports an account with a balance of {$240.00}, opened XX/XX/XXXX and reported/closed on XX/XX/XXXX. Equifax reports a related account with a {$240.00} balance, also reported/closed XX/XX/XXXX, but classified as Factoring Companies. Experian does not report this account at all. 

I requested validation and supporting documentation from the company, including proof of ownership, original creditor records ( XXXX XXXX XXXX. ), and account history. The company did not provide this information. 

Reporting inconsistent, unverifiable, and incomplete information across credit bureaus violates the FCRA. I request a full investigation, and if the company can not provide complete and verifiable documentation from the original creditor, both tradelines must be deleted from my TransUnion and Equifax credit reports.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My VENMO XXXX credit card limit was reduced from XXXX to a mere XXXX. Reason given was that I had high balances on some of my other credit cards over the past months. True! I did have high balances but ALL balances were paid off! This is proof of financial strength and should be reason to XXXX not lower my credit limit on this VENMO XXXX credit card. Additionally, I have always handled my VENMO XXXX credit card beautifully and always paid it OFF IN FULL each month, sometimes paying off MORE than the balance. All of this demonstrates great financial strength, so I ask, why was my credit limit lowered instead of RAISED?

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-06 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: WA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-09-06 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-06 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX -Date Opened XXXX {$2500.00} Account Name : XXXX XXXXXXXX XXXX XXXX -Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Tesla, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I leased a Tesla XXXX XXXX through Tesla XXXX in Iowa. At the time, the contract stated there was no end-of-lease purchase option. In XX/XX/XXXX, Tesla publicly announced that lease buyouts would again be permitted in most states, but excluded Iowa and Louisiana. 

I have since relocated ( first to Florida, now moving to Colorado ). Tesla has repeatedly contradicted itself in written communications. In XX/XX/XXXX, Tesla Finance told me in writing that I would have the option to generate a buyout quote via the Tesla XXXX at lease maturity. Later, Teslas lease returns team told me I could submit third-party appraisals from XXXX or XXXX. However, both XXXX and XXXX have confirmed that Teslas policies prevent them from purchasing or paying off my lease. 

This leaves me trapped : I can not exercise a buyout, I can not transfer the lease to a third-party dealer, and I face either ( a ) paying over {$5700.00} in early termination fees, or ( b ) continuing to pay for a car I no longer want and must pay {$1500.00} to transport across the country. 

I believe Teslas exclusion of Iowa leaseholders is unfair and anti-competitive, especially given that Tesla has no dealerships in Iowa and I picked up my vehicle at a service location. Their written contradictions gave me reason to believe a buyout would be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
This is a follow-up to case number XXXX regarding a serious issue with unauthorized charges made by XXXX to my XXXX XXXX card. 

Despite XXXX 's claim that they contacted me, I have received no call or email from them. I have thoroughly reviewed my communication records and can confirm that no outreach was made. In an effort to resolve this issue, I proactively reached out to XXXX again. Their final response is attached below and it clearly states that they will not refund the money taken from my account. They are saying the ads in my closed account violate XXXX policy ( I cant advertise that i treat addicts which I do as a board certified Family Nurse Practitioner Provider ID ) and i need to appeal the ads but i have closed the account Please note the following key points : -The charge in question was not authorized by me. 
XXXX did not purchase or request any advertisements from XXXX XXXX 

After several communications, XXXX acknowledged this and issued a refund to my XXXX Ads account but not to the credit card they withdrew the money from. 

I no longer have an active XXXX Ads account. I requested it be closed, and it has since been permanently canceled. 
The refunded funds remain locked in an ad account that is now closed, and I have no way to access them. 

I am simply requesting that XXXX return the funds to the original payment methodmy XXXX XXXX cardfrom which they were wrongly taken. 

Attached you will find : A screenshot of my closed XXXX Ads account Email correspondence with XXXX Evidence that the funds remain in my ad account and have not been refunded to my card This situation has now escalated to XXXX XXXX of financial harm, and I respectfully request further assistance and intervention. 

Please help me

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-06 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: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXXXXXX XXXX {$0.00} # XXXX XXXX XXXX. XXXX XXXX XXXX {$0.00} # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate and incomplete information on my credit report pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following items and correct or remove them as appropriate. I have enclosed a copy of my credit report ( from XXXX, dated XX/XX/XXXX ) with the disputed items highlighted, along with copies of my identification and proof of address. 
The disputed items are as follows : XXXX. Inaccurate XXXX of XXXX Accounts : The summary section states Closed accounts : XXXX. This is incorrect, as the report details XXXX closed accounts, including those from XXXX XXXX ( Account # XXXX and # XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( # XXXX XXXX XXXX and XXXX XXXX ( # XXXX and XXXX XXXX XXXX XXXX Please correct the summary to reflect the accurate number of closed accounts and update any related calculations ( e.g., average account age ). 
XXXX. Inconsistent Credit Utilization Ratio : The overall credit usage is reported as 43 % ( {XXXX} used of {$3000.00} limit ), but the FICO Score XXXX factors section lists the ratio of revolving balances to credit limits as 71 %. This discrepancy does not align with the account details provided and may be a calculation error. Please investigate and correct the utilization ratio, ensuring it accurately reflects all open and closed revolving accounts. 
XXXX. Incomplete Total Debt Summary : The total debt is listed as {$1600.00}, which excludes the {$2700.00} charged-off balance on the XXXXXXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX charged off, past due as of XX/XX/XXXX ). This amount should be included as an outstanding debt. Please update the debt summary to accurately reflect all reported obligations. 
XXXX. Duplicate Partial Account Numbers : The XXXX open XXXX XXXXXXXX credit card accounts both list the partial account number as XXXX. This appears to be an error, as they are separate accounts opened in XX/XX/XXXX and XX/XX/XXXX. Please verify and correct the account identifiers. 
XXXX. Unresolved Prior Disputes : The collection account from XXXX XXXX XXXX ( for XXXX XXXX In. XXXX, # XXXX, {$XXXX0} ) is noted as disputed by me, and the XXXX XXXX account XXXX a completed FCRA investigation with which I disagree. These items remain inaccurate. Please reinvestigate and remove if unverifiable.

These inaccuracies are harming my credit score and may violate FCRA requirements for accurate reporting. Please provide me with the results of your investigation, including the methods used to verify the information and any updates made, within 30 days as required by law. If the items can not be verified, please delete them from my report and notify any parties who have received my report in the last XXXX years ( or XXXX months for employment purposes ).

Company response to consumer: Closed with explanation