vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I submitted certified mail disputes to TransUnion in XX/XX/year> regarding inaccurate charge-offs and incorrect account statuses related to XXXX XXXX and other accounts. Despite receipt of my disputes, TransUnion failed to fully investigate or remove the unverifiable and misleading information. 

These errors have led to repeated credit denials, elevated interest rates, and direct damage to my business operations. My XXXX  XXXX XXXX has dropped to XXXX due to XXXX  XXXX  activity, which stems from personal credit misreporting on XXXX file. 

I also submitted a CFPB enforcement letter from a prior XXXX XXXX case and was still ignored. Supporting evidence includes dispute letters, screenshots, business credit score documentation, and denial letters.

This is a formal FCRA violation under Sections XXXX11, 609, and 623. I am requesting immediate investigation and deletion of all non-validated tradelines.

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am filing this formal complaint against National Credit Adjusters , LLC for reporting an unverifiable debt to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 
ACCOUNT DETAILS : - Company : National Credit Adjusters , LLC - Account XXXX XXXX XXXX - Balance : {$590.00} - Date Opened : XX/XX/year> - Original Creditor : XXXX XXXX XXXX  ISSUES & VIOLATIONS : This account is being reported without any signed contract or original documentation proving that I owe this debt. I have not received any physical verification from this debt collector. This is a direct violation of the FCRA and XXXX XXXX reporting guidelines. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) : Duty to maintain maximum possible accuracyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Obligation to remove unverifiable or disputed informationXXXX XXXX XXXX XXXX Right to dispute any inaccurate, outdated, or unverifiable XXXXXXXX  REQUESTED RESOLUTION : I am requesting immediate deletion of this account from all credit bureaus, written confirmation of deletion, and CFPB XXXX action against the furnisher for FCRA non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - ADDRESS Issue : This address is inaccurately reported on my credit report and does not belong to me Law : Under the Fair Credit Reporting Act ( FCRA ) Section 602 A, consumers are guaranteed accurate, verifiable, and complete information on their credit file. Reporting an address I have never lived at is a direct violation of this right Story : I have never lived at this address and have no connection to it. Including this on my credit report is misleading and could result in misidentification or mixed file issues. I am requesting the immediate deletion of this address from my credit report pursuant to the FCRA XXXX XXXX XXXX, CA XXXX - ADDRESS Issue : This address is not mine and is wrongly linked to my credit profile Law : The FCRA Section 611 mandates credit bureaus to conduct a reasonable reinvestigation if a consumer disputes the accuracy of information. Since this address is not associated with me, it should be removed as per the law Story : I have never resided in California and this address being listed on my report is entirely inaccurate. It may have been mistakenly merged from another individual 's file. I urge you to remove this address immediately and prevent further damage to my credit identity These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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 2025-07-27 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:
I am submitting this complaint regarding TransUnion, which continues to report outdated positive account on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). According to FCRA 605 ( a ), positive closed accounts may only remain on a consumer credit report for up to 10 years. However, the following account has now exceeded that allowable reporting period and is still being reported by TransUnion : XXXX XXXX Opened : [ XXXX ] | Closed : [ XXXX ] Thi account is 10 years and 4 months meaning expiration should be reviewed for removal as part of standard credit reporting policy. Despite previous efforts to request removal directly through TransUnions dispute process, no action has been taken.

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 2025-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Chrysalis Holdings LLC
State: MN

Complaint narrative:
I saw the commercial for New Day Loans where it says it understands veterans with sub par credit need help. So I contacted them and they told me that I needed a XXXX credit rating. They either did a case of false aldvertising or their employees are clueless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: WA

Complaint narrative:
I am a victim of Data Breach. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c2. 15 USC 1681b, I request this account be removed. Please see ftc report and supporting documentation. Please remove the following fraudulent accounts due to XXXX  data breach identity theft. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX { Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX } XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear XXXX  Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX  data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXXXX/XX/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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Ive come across some unfamiliar accounts on my credit report that I never authorized, which suggests possible identity theft. Ive previously addressed this issue with you, and Im now requesting that these accounts be removed from my report immediately. Their presence has caused considerable stress, as they do not represent my actual credit activity or financial behavior. This situation has been difficult, and if it's not resolved, Im ready to pursue legal action to protect my rights. These inaccurate entries have seriously hindered my financial progress, especially when it comes to purchasing a home and providing for my family. I hope for a prompt resolution.

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 2025-07-27 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: OK

Complaint narrative:
XXXX XXXX is on my credit report but I have never had a loan from them.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute and request corrective action regarding serious and adverse credit report entries that I believe are directly connected to the recent data breach involving XXXX XXXX XXXX, disclosed in XX/XX/year>. 
As reported, the breach involved unauthorized access via a XXXX-party software platform, exposing personal data such as Social Security numbers , dates of birth, drivers license numbers, and other sensitive identifiers. I was among the impacted individuals and have received confirmation of my involvement from XXXX. 
Since the breach, I have experienced financial and reputational harm, including the sudden appearance ( or continued reporting ) of a XXXX  filing and other questionable derogatory accounts on my credit report, which I now suspect may be inaccurate or triggered by identity compromise. 
I am respectfully requesting the XXXX  support and intervention in the following actions : Investigating how XXXX handling of consumer data may have led to the inaccurate reporting of credit accounts and XXXX. 
Assisting in the removal or correction of erroneous information on my credit report, specifically the XXXX  and associated affected accounts. 
Ensuring XXXX and affiliated credit reporting agencies conduct a thorough reassessment of impacted individuals reports. 
Ive taken personal steps including placing a security freeze on my credit, enrolling in identity protection services, and contacting credit bureaus directly but the process has proven difficult without regulatory oversight. These issues continue to harm my financial standing, job prospects, and access to credit. 
Please find enclosed documentation supporting my claim, including breach notification, copies of my credit report, and correspondence with XXXX and the bureaus. 
I appreciate your time and effort in addressing this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-27 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: U.S. BANCORP
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-07-27 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: Granite Edvance Corporation
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was at a XXXX XXXXXXXX  Wells Fargo located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My appointment was at XXXX on XX/XX/25 the banker said she put my ssa card in the folder when I got into my car and checked the ssa card was not in there I checked the floor everywhere around my car inside the XXXX XXXX and I even went back to the bank twice first they said to bring back the folder and they will check it and when I first went back they showed me inside the trash can in regards to them not taking it one of the ladys said.?. Then I went back with the folder to show them its not there and they basically said there nothing they can do.? I made police report and I want to see the camera footage of what she did after I handed her my card to crate my debit card.?

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 2025-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed in the XXXX  data breach and I did authorize XXXX to open any wireless accounts in my name with my personal information the accounts listed below was unauthorized XXXX XXXX Account number - XXXX Balance {$1500.00}

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 explanation