vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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:
This is a formal dispute submitted under Section 611 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days.

I have identified an inaccuracy in my TransUnion credit report concerning the following account : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The report reflects a late payment for XX/XX/year>, which is incorrect. The payment was made on time, as evidenced by the attached account statements and payment confirmations. 

Under FCRA 607 ( b ), TransUnion is obligated to report only information that is complete, accurate, and verifiable. The presence of an erroneous delinquency entry violates this standard and adversely affects my credit standing. 

Accordingly, I formally request that TransUnion : Conduct a reasonable reinvestigation within 30 days as required by law. 

Contact the furnisher ( XXXX XXXX ) to verify the payment records for XX/XX/year>. 

Correct the account history to reflect Paid on Time.

If the furnisher can not verify the delinquency with documented proof, delete the entry entirely per FCRA 611 ( a ) ( 5 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: OR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
I am submitting this complaint under 15 USC 1681c2 because ChexSystems and/or XXXX XXXX XXXXXXXX is reporting information I did not authorize. I never gave written or verbal consent for my personal data to be collected, stored, or shared. This qualifies as identity theft under federal law. I submitted a complete Block & Delete dispute package including my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a formal written letter demanding deletion. I requested documentation proving I authorized the reporting of this information, and the company failed to provide it. I am requesting permanent deletion of the unauthorized data from my consumer file. 

Attached to this complaint is my full dispute packet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I made a {$120.00} purchase with my Discover credit card on XX/XX/year> for an online course from XXXX XXXX XXXX XXXX. The course was advertised as suitable for all levels, but the first assignment required creating a full original song independently, which is advanced and not what was promised. 

I filed a chargeback with Discover. The merchant then removed all evidence of the course from their website and refused to refund me, claiming their system could not process refunds once a dispute was filed. This is not accurate. A merchant can work with the bank to resolve a chargeback, but they chose not to. 

Discover denied my dispute even though the merchant provided no verifiable proof of what was advertised. I am asking CFPB to review how Discover handled this dispute and why it was denied despite clear misrepresentation and merchant refusal to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IN

Complaint narrative:
Since XX/XX/year>, I have submitted multiple disputes regarding several accounts reporting inaccurate, inconsistent, or unverified information, including late payments, charge-offs, repossessions, and collections ( e.g., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my disputes, no verification or supporting documentation has been provided. I have submitted all available proof and documentation to support my position, yet these disputes have been ignored. Under FCRA 611, Experian, TransUnion, and Equifax are required to verify disputed information within 3045 days. The continued failure to provide verification violates FCRA 611 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IN

Complaint narrative:
Since XX/XX/year>, I have submitted multiple disputes regarding several accounts reporting inaccurate, inconsistent, or unverified information, including late payments, charge-offs, repossessions, and collections ( e.g., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my disputes, no verification or supporting documentation has been provided. I have submitted all available proof and documentation to support my position, yet these disputes have been ignored. Under FCRA 611, Experian, TransUnion, and Equifax are required to verify disputed information within 3045 days. The continued failure to provide verification violates FCRA 611 and 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am writing to dispute an item on my credit report that I believe has been reported incorrectly. The information in question is inaccurate and does not reflect my true account history. I request that this item be investigated and verified with proper documentation. If the information can not be proven accurate, please remove or correct it immediately to ensure my credit report reflects truthful and fair information. 

account- XXXX date opened - XX/XX/year> Joint with XXXX XXXX XXXX A joint account with myself is the incorrect information. 

Balance- {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: HI

Complaint narrative:
I am disputing an invalid apartment collection reported by IQ Data XXXX for an alleged debt originating from XXXX XXXX XXXX in XXXX. The debt is being reported for approximately {$5000.00}, including {$3000.00} for flooring and additional drywall/paint charges. 

Under XXXX  Civil Code 1950.5 ( g ), the landlord was required to provide an itemized statement of deductions and receipts for any claimed damages within XXXX  days of move-out. I never received such documentation. The only paperwork ever provided was a generic summary listing totals such as Vinyl Replacement Damages {$2600.00} and Drywall and Paint Damages {$1300.00}, with photos but no invoices, receipts, labor costs, or material costs. 

I sent a formal debt validation request under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The collection agency responded only by resending the same unverified landlord statement, with no supporting documentation. This does not satisfy the validation requirement under federal law. 

Violations : Failure to provide itemized breakdown and receipts under XXXX Civil Code 1950.5 ( g ) ( landlord forfeits right to claim damages ). 

Failure to provide adequate debt validation under the FDCPA. 

Continued reporting of an unverified debt in violation of the Fair Credit Reporting Act. 

Requested Resolution : Remove or delete this invalid collection account from all credit reporting agencies ( Experian, Equifax, TransUnion ). 

Require IQ Data XXXX and XXXX XXXX XXXX to provide documentation proving this debt is valid under XXXX  law, or cease all collection and credit reporting activities. 

I have attached copies of the documents sent by the collection agency showing lump-sum charges with no itemization or receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both improper and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this formal complaint regarding a fraudulent account reported by Capital One to XXXX. This account was opened without my knowledge or authorization. I did not consent to this account, and it is being reported as if it belongs to me. 

Disputed account details : Financial Institution : Capital One XXXX/Account Number : XXXX / XXXX Original Charge-Off Amount : {$110.00} Date of Closure : XX/XX/year> Closure Status : Unpaid Closure Status Date : XX/XX/year> Capital One claims this is a joint account with another individual. I was never informed of the identity of this person and did not authorize any joint account. I believe this account was fraudulently opened using my personal information. 

Issues with the investigation : 1. XXXX  has refused to provide the results of their investigation after contacting Capital One. 
2. Capital One has refused to provide any documentation proving that this account legitimately belongs to me.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to the following protections : 1681i ( a ) ( 2 ) : Right to receive the results of an investigation when disputing inaccurate information.

1681c-2 ( a ) : Fraudulent or identity-theft-related account information must be blocked from consumer reports upon request.

1681e ( b ) : Furnishers must provide accurate information to consumer reporting agencies; reporting fraudulent information without verification is a violation.

1681j : Right to request documentation used to verify disputed information.

Requested actions : 1. Ensure the immediate removal of this fraudulent account from my XXXX report.

2. Request that Capital One provide documentation supporting their claim of account ownership. 
3. Confirm that XXXX  has properly investigated and corrected this dispute in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I should have XXXX name XXXX address if charge off how can I miss payments never get 1099c i want to see how experian XXXX XXXX XXXX verified the info when I repeiditly requested i want XXXX k from each

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NJ

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 reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX BANK XXXXXXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2025-10-09 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, they allowed fraudulent activity on my account with someone getting a debit card which I had to pay for without my authorization in New York. I live in California and it has happened four or five times until todays date happened on the XXXX, the XXXX the XXXX and XXXX XXXX every time Ive contacted the bank theyve treated me like I did it. I made the transactions now theyre holding money, they c cancel my debit card and I had to get another one. Yes, Ive made all the proper changes Ive gone to another bank. Ive also got another checking savings, but my Social Security comes into that account until Social Security can change it over to the new bank. They blocked me out very, very rude to me and tried to make it seem like Ive done all these transactions. Theyre qualifying me, but theyre not quite qualifying. The thugs that are in and out of my account. I just dont know what to do anymore so Ive turned to your company because this has to stop. I talk to them four times when I say them their fraud department, they try to give me to change the account so they can lock up my Social Security money in there for 7 to 10 days. Im at my wits end I dont know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
b'On XXXX XXXX XXXX, I mailed Experian a complete Identity Theft Package that included:\n A copy of my FTC Identity Theft Report (#XXXX)\n A police report confirming the identity theft\n A copy of my drivers license, Social Security card, and proof of address\n A detailed written list identifying the fraudulent accounts to be blocked under FCRA 605B (15 U.S.C. 1681c-2) and a request to correct inaccurate personal information (names and addresses).\n\nThe certified mail tracking number (XXXX XXXX XXXX XXXX XXXX XXXX) shows that Experian received the package on XXXX XXXX XXXX.\n\nUnder FCRA 605B, once a credit reporting agency receives appropriate proof of identity theft (including government ID, Social Security number, proof of address, and an FTC Identity Theft Report), it must block and remove the fraudulent accounts within four (4) business days.\n\nDespite receiving all required documentation, Experian failed to comply.\nAs of XXXX XXXX XXXX, more than two weeks after Experian received my documents, several fraudulent accounts (including XXXX XXXX and XXXX XXXX) were still being reported on my credit file.\n\nInstead of removing these accounts as required by law, Experian left them on my report and merely marked one as disputed, which is not the correct legal procedure in an identity theft case. The law requires immediate blocking and deletion, not investigation or dispute status.\n\nExperians actions constitute multiple violations of federal law:\n\nFCRA 605B Failure to block and delete identity theft accounts within 4 business days after receiving full documentation.\n\nFCRA 607(b) Failure to maintain maximum possible accuracy after being notified of identity theft.\n\nFCRA 611(a) Failure to correct inaccurate personal information (wrong names and addresses linked to the fraudulent accounts).\n\nI am requesting the CFPBs intervention to ensure Experian complies with FCRA 605B by permanently deleting all fraudulent accounts and incorrect personal information, and to hold Experian accountable for ignoring the federal timeline and the rights of identity theft victims.'

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