vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I disputed a medical debt listed by XXXX XXXX XXXX for {$840.00} on my TransUnion credit report. The debt is inaccurate and/or unverifiable. TransUnion marked it as " verified and updated '' without providing any procedural verification or documentation. I do not recall authorizing this account, and the amount is unrecognizable. This may violate the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), which gives me the right to request the method of verification. I have not received any documentation to support its legitimacy. I am requesting its removal or full verification.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I was reported 90 days late on my student loan in XX/XX/year>, but I had autopay enabled at the time and was not notified of any missed or failed payments. I only discovered the delinquency after it was reported to the credit bureaus and caused a major drop in my credit score. The account is now paid and current. I believe this was a servicing error or system failure and Im requesting that the delinquency be removed from my credit report.I was not notified that my auto-pay was ever turned off. I am formally requesting the removal of the late payment from my credit report. I have always paid everything on time. This is very upsetting to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : ( XXXX XXXX XXXX XXXX  XXXX as 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 2025-07-15 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: MD

Complaint narrative:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : ( XXXX XXXX XXXX XXXX  XXXX as XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. These inquiries were made without my knowledge, consent, or any permissible purpose as defined under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). I did not apply for credit with any of the listed companies. 

The inquiries I am disputing are : XXXX. XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX Per the FCRA, a consumer reporting agency may only allow access to my credit report with my written consent or for other specifically permitted purposes. I am requesting that you : 1. Delete these hard inquiries from my credit file immediately.

2. Provide proof of authorization or permissible purpose for each inquiry, if you believe they were valid. If no proof is available, these entries must be removed promptly in accordance with FCRA 1681b. Please conduct your investigation and notify me of the res
ults. You may also send me an updated copy of my credit report once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and XXXX  me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company 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 2025-07-15 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company 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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have attempted near monthly to obtain a Jet Blue Credit Card from Barclay Bank. I currently have 2 merchant cards with them which are in good standing. I did write them a letter and spoke with them via telephone and basically they have not given me any good reason for denial. I have a good credit score - no blemishes. They have advised that they want me to " wait a little longer '' before i apply. I am XXXX XXXX XXXX and have had good credit for over 40 years.

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 2025-07-15 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: AZ

Complaint narrative:
I am submitting this complaint with full certainty and growing frustration. My credit report contains multiple errors that I can no longer overlook, as they have severely impacted both my credit score and my ability to achieve financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
Several companies have accessed my credit report without my authorization, and these unauthorized inquiries have negatively affected my credit and XXXX XXXX. I previously contacted Experian, and a representative assured me that these inquiries would be removed, yet they still appear on my report. 

This unresolved issue is causing significant anxiety, especially with the potential risk of identity theft. The continued presence of these fraudulent and unauthorized inquiries is adding unnecessary stress and further damaging 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 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$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 2025-07-15 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: TX

Complaint narrative:
Clarification on Charge-Off Timing and Payment Plan Discrepancies Dear XXXX, Thank you for your detailed response dated XX/XX/XXXX. I appreciate your acknowledgment of my concerns ; however, I must address certain discrepancies regarding my account that remain unresolved. 

In your letter, you indicated that my account had been charged off due to delinquency on XX/XX/XXXX, and that the charge-off occurred because the account was in delinquent status for over 120 days. However, it is essential to point out that my payment history indicates I made a payment of {$110.00} in XX/XX/XXXX and subsequently entered into a payment plan on XX/XX/XXXX. This raises critical questions : 1. Timing of Charge-Off : Given that I made a payment in XX/XX/XXXX and agreed to a payment plan in XX/XX/XXXX, I find it unclear how the account could be charged off in the same month. The initiation of a payment plan generally indicates that the creditor is working with the consumer to resolve their debt rather than deeming the account as a total loss. 

2. Count of Days in Delinquency : You stated that the count for the 120 days of delinquency began in XX/XX/XXXX. If the payments made were accurately applied, it raises questions about how my account was evaluated for charge-off status. If payments were received and applied, it seems counterintuitive to classify my account as charged-off while I was actively engaged in communicating and managing the debt. 

3. Legal and Regulatory Considerations : According to the Fair Credit Reporting Act ( FCRA ), creditors must report accurate information regarding the status of accounts. If payments were made and a payment plan was agreed upon, I would like clarification on how your reporting complies with these regulations. 

Given these inconsistencies, I am requesting a comprehensive review of my account history, specifically focusing on the timeline leading to the charge-off and the actions taken on my account regarding payments received. It is critical for me to understand the rationale behind the charge-off and the implications of my participation in the payment plan. 

I appreciate your attention to these matters and look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-07-15 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:
I have no connection to these fraudulent accounts and was not aware of their presence. I am requesting their removal within 15 days per USC 1681g. Supporting documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I received a text message from Credence Resource Management ( CRM ), LLC that stated " You can resolve your XXXX acount XXXX  for {$160.00} if paid by XX/XX/year>. This is a savings of {$160.00}. We are not obligated to renew this offer. Pay : https : XXXXXXXXXXXX XXXX '' Even though this debt was a mistake and I had already paid this with XXXX ( in a separate complaint I will be following up with ) I decided to pay this because this debt showed up on my credit report and was negatively impacting my score. I figured just pay it and fight it later. Better to keep my credit clean for this amount. I paid the {$160.00} and have a credit card receipt as well as a brief receipt from the website that I took a screen shot of when I made the cc payment online. I was alarmed that I did not get a text reply back from CRM saying something like " thank you for your payment ... ''. I decided to wait about a week to give it some time to get a receipt. I haven't received anything yet and when I just called them they said " that was only a down-payment... and I needed to pay the rest ''. I recited the text offer clearly stating that I can resolve the debt for {$160.00}...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: KS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 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: KS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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