vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally request validation of the debt referenced on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The original creditor 's name and address. The amount of the debt. The account number associated with this debt. A copy of the assignment contract that demonstrates your legal right to collect this debt on behalf of the original creditor. Any documentation that verifies the debt 's validity, including the date of default. Until I receive this information, I kindly request that all collection activities cease. Thank you for your prompt attention to this request. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$640.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$4800.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$0.00} XXXX 'S SERV - XXXX XXXX XXXX * XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$750.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$550.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$960.00} XXXX  - XXXX * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$540.00} XXXX XXXX  - XXXX * * * XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX  - XXXX * * * XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX * * * XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX  - XXXX * * * XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX  - XXXX * * * XXXX - XX/XX/XXXX - {$700.00} XXXX CRED - XXXX XXXX XXXX * XXXX - XX/XX/XXXX - {$790.00} XXXX CRED - XXXX XXXX XXXX * XXXX - XX/XX/XXXX - {$400.00} XX/XX/XXXX- XXXX * XXXX * XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$480.00} XXXX  FIN - XXXX * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * XXXX XXXX XXXX - XX/XX/XXXX - {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/year> These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-06-27 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-06-27 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the reporting of the account listed under XXXX XXXX as it appears on my credit report. The data furnisher acknowledges multiple errors and instructed me to contact your agency to address them. I also attached my dispute letter sent in 2023 to your company which is dated and time stamped. Specifically, the following reporting elements are inaccurate : Payment History is inconsistent and incorrect. Additionally, XXXX has not provided any supporting documentation or statements validating the accuracy of the payment history they submitted, which includes inconsistent reporting across all three bureaus. They have not verified the accuracy of this account and have directed me to file this dispute with you directly. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain and report only accurate and verifiable information. Since this account is being disputed by the furnisher itself and remains unsupported by evidence, I am formally requesting that you update this account to paid as agreed, never late. Please conduct a full reinvestigation and provide written confirmation of the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am writing to dispute the reporting of the account listed under XXXX XXXX as it appears on my credit report. The data furnisher acknowledges multiple errors and instructed me to contact your agency to address them. I also attached my dispute letter sent in 2023 to your company which is dated and time stamped. Specifically, the following reporting elements are inaccurate : Payment History is inconsistent and incorrect. Additionally, XXXX has not provided any supporting documentation or statements validating the accuracy of the payment history they submitted, which includes inconsistent reporting across all three bureaus. They have not verified the accuracy of this account and have directed me to file this dispute with you directly. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain and report only accurate and verifiable information. Since this account is being disputed by the furnisher itself and remains unsupported by evidence, I am formally requesting that you update this account to paid as agreed, never late. Please conduct a full reinvestigation and provide written confirmation of the deletion.

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 2025-06-27 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: WA

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX U.S.C. XXXX : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ ONLINE IN SV ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-27 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: NJ

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 on my XXXXXXXX XXXX account [ XXXX ]. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
TransUnion is reporting inaccurate and incomplete information regarding an auto loan account originally held with XXXX XXXX. This violates the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) ( accuracy of data ) and 1681i ( failure to reasonably investigate ). 

- The payment history from XXXX XXXX fails to include a {$6000.00} down payment made at the time of sale. This materially alters the balance, payment history, and payoff calculation, and its omission makes the tradeline inaccurate and incomplete. 

- TransUnion reports a last payment date that does not match the account ledger from XXXX XXXX. The dates do not align with any documented payment activity. 

- XXXX XXXX is reporting the account as if they are still the current creditor, despite documentation confirming the debt was sold to XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), any information furnished to a consumer reporting agency must be accurate and complete. Continuing to report a balance or charge-off status without clearly indicating that the account was sold, and failing to identify the new owner, misleads both the consumer and the credit bureau . This constitutes an ongoing violation of XXXX duty to report truthful and complete information. The failure to correct this misinformation is causing financial harm and may result in legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX 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 XXXXXX/XX/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 2025-06-27 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-27 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: TX

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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX  Date : XX/XX/25

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am filing a complaint regarding the abrupt and unexplained closure of XXXX of my credit card accounts : the Fidelity Visa Signature Rewards Card and the U.S. Bank XXXX XXXX XXXX XXXX XXXX. Both accounts were closed on the same day without prior notice and without any valid reason provided. 

For the U.S. Bank XXXX XXXX card, I was informed only that the bank had " decided to walk away from the relationship. '' No further explanation was given, despite multiple attempts to obtain more information. My account was in good standing, and I had been actively using the card with no missed payments or suspicious activity. 

In addition to the sudden closure, I lost all of the rewards points I had accumulatedpoints that I had rightfully earned ( worth over {$1000.00} ) through consistent and responsible usage of the card. These rewards represent real value and should not be taken away without justification. 

This action has harmed my credit standing, disrupted my financial planning, and resulted in the loss of valuable rewards. I believe I am entitled to a clear explanation of the closure and the reinstatement of my earned rewards.

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 2025-06-27 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
This letter is a formal dispute regarding the reporting of an account from XXXX XXXX XXXX XXXX XXXX listed in my ChexSystems file. The account is being reported as charged off/PAID IN FULL {$410.00} and categorized under account abuse. 

This reporting is inaccurate and misrepresents the facts. The account in question was jointly held. The negative balance occurred * * not * * due to any action or abuse on my part, but because the * * joint account holder overdrew on another account * * they maintained with the XXXXredit union. In response, * * XXXX XXXX XXXX transferred funds from our joint account to cover the other accounts overdraft * *, which created a negative balance and led to the closure of our account. 

At no time did I abuse the account or engage in any misconduct. Once I was made aware of the issue, I promptly paid the full balance. Labeling this account as account abuse is * * factually false, misleading, and defamatory * *. It mischaracterizes the situation, damages my reputation, and creates undue harm. 

This reporting violates multiple provisions of the Fair Credit Reporting Act, including but not limited to : * * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * Failure to reinvestigate disputed information in a consumer file.

* * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * Furnishing inaccurate or incomplete information to a consumer reporting agency.

* * * 15 U.S.C. 1681s-2 ( b ) * * Failure to conduct a reasonable investigation and correct or delete inaccurate information after being notified of a dispute. 
* * * 15 U.S.C. 1681e ( b ) * * Failure to follow reasonable procedures to ensure maximum possible accuracy in the preparation of a consumer report. 

I am demanding that ChexSystems immediately conduct a full reinvestigation of this record, contact the furnisher of the information, and either * * correct or delete this inaccurate entry * *. I am also requesting written confirmation of the outcome of your investigation. 

If this matter is not resolved in accordance with the FCRA, I will pursue legal remedies, including filing complaints with not only the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and a potential civil claim for damages. 

Please consider this a legal dispute notice under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation