vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
My TransUnion credit report contains several items that I do not recognize or authorize. Specifically, there are two collection accounts listed : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, for {$2300.00} XXXX XXXX opened on XX/XX/XXXX, for {$2700.00} I was never contacted by either of these companies before they were reported to TransUnion. I did not receive a debt validation notice or any opportunity to dispute the debt prior to it appearing on my credit file. This lack of communication violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, my report includes several hard inquiries I did not authorize. These include : XXXX and XXXX PRE-OWNED both dated XX/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  I did not apply for credit with these companies and did not give consent for these inquiries to be made. Their presence is damaging my credit and appears to reflect either identity theft or improper use of my report. 

I have not been able to resolve this directly with TransUnion and am requesting an investigation into these issues.

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 2025-07-28 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: PR

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Transunion : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My bankruptcy was discharged XX/XX/year> and I called Equifax and they are acting like they have no knowledge of this. Experian and Transunion and all the other creditors marked my accounts as bankrtuptcy immediately. Equifax is the only company that I am having an issue with I need help in getting them to removed all the delinquent accounts and all the late payments off of my account and updated as bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/year> -- {$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 explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Verification Documents Under FCRA 15 U.S.C. 1681s2 ( b ) To Whom It May Concern, I am writing to formally follow up on a dispute I submitted to Experian on XX/XX/year>, concerning inaccurate information being reported on my consumer credit report by XXXX XXXX, account number XXXX. 

Specifically, I disputed excessive late payment notations that are being reported. On XX/XX/year>, I received a notice stating that the account was " verified as accurate. '' I am wholeheartedly concerned as to whether Experian conducted a reasonable investigation in accordance with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s2 ( b ). 

Request for Documentation Under the FCRA, I have the right to request and receive all documentation used in the reinvestigation process. I hereby formally request that you provide copies of all documents, records, and communications that were used to verify the late payments on the above-referenced account. Please include : Any responses, records, or verification received from XXXX XXXX ; The method and scope of the reinvestigation conducted ; The name of the person or entity that verified the information. 

Inaccurate Balance Information Additionally, I am extremely concerned that XXXX XXXX is reporting conflicting balance information. According to my Experian credit report, XXXX XXXX states that I owe {$830.00}. However, when I log in to my XXXX XXXX customer portal, it shows a current balance of {$1500.00}. This clear inconsistency in reporting is in direct violation of FCRA regulations, which require that only accurate and complete information be reported. 

Per FCRA Section 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information have a duty to report data that is accurate. Any inaccurate or unverifiable information must be promptly corrected or deleted from the consumer report. Therefore, I am requesting that Experian delete this tradeline until XXXX XXXX can correct and verify the accuracy of the account balance and late payments being reported. 

Final Request In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), please respond to this request with all verification documentation within 15 days. Failure to comply may result in further action, including the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies as provided by the FCRA. 

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 2025-07-28 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: MD

Complaint narrative:
I am a victim of identity theft, and my credit report contains accounts and inquiries I did not authorize. These items are inaccurate and should be removed. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the fraudulent entries. Attached are a list of disputed items and my FTC Identity Theft Report. 

Please investigate and confirm removal in writing. Thank you for your prompt attention.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Experian due to inaccurate and misleading information contained in my credit report. The inaccuracies on my report have caused significant harm to my creditworthiness and financial standing.Specifically, the following errors have been identified on my credit report : My name and my address. 
I have already contacted Experian and followed the dispute process to have these inaccuracies corrected. Below is a summary of my efforts to resolve this matter : On XXXX XXXX, I filed a dispute with Experian regarding the inaccurate information. 
I provided supporting documentation, including my Driver License, I have just a name which XXXX XXXX XXXX an da address which is XXXX XXXX XXXX, XXXX Ma XXXX Despite my efforts, Experian has failed to correct the errors or provide an adequate explanation for their refusal to address my concerns. 
This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and ensure the accuracy of the information they report. I believe that Experian 's actions are unfair and harmful to consumers like myself.Impact on Me : The inaccurate information on my credit report has had the following negative impacts : Denied credit applications or unfavorable loan terms. 
Emotional distress and anxiety caused by the ongoing issue. 
Damage to my financial reputation and credit score. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I have reached out to Affirm in 2 different phone calls, I asked them what I owed so, we could settle up, both phone calls resulted in the same answer, Sir you do not owe us anything, I stated that this is showing on my credit report and they told me it should not show that I have an outstanding balance, they said it news paid in full, at this point indoor know what else to doc they will not let me pay them and this XXXX is in my credit report! XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
SoFi closed my account without reasoning, which I understand, since they have a right based on their terms and conditions. However, they would not let me transfer the balances in the Checking/Saving, or send me a check for the remaining balance. The accounts were suspended, but since, closed. They have over {$14000.00} ( total ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verily as accurate : account name : XXXX account number : 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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Based on a very frustrating and unprofessional experience. My business account was flagged as fraudulent without any warning or direct communication from the bank. No one called to ask me where my loan funds came fromthey just shut everything down & closed my XXXX XXXX Bank Acct. 
To make matters worse, they shared private details about my account with another member of the bank who referred me, without my permission. This is a clear violation of privacy, especially concerning when you're trying to grow a small business and rely on your bank to act responsibly. 
TD Bank canceled my account without returning my loan money, and now my credit is going into debt, all without a single phone call to me. Instead, they contacted a third party and discussed my account, which I believe should be against the law. 
This kind of treatment is incredibly discouraging for small business owners like myself. I would not recommend TD Bank to anyone trying to build a business or looking for a bank that respects client privacy and communicates clearly. 
I don't even know how much is in my bank account now. I couldn't pay my contract workers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND UNAUTHORIZED INQUIRIES REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company says I owe a debt that is time barred under Texas code XXXX. Theyre illegally trying to collect zombie debt from XXXX. This is time barred debt which is illegal to sue for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

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 2025-07-28 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: PR

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were XXXX XXXX accurate. 
Under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure. 
A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX XXXX ( XXXX ) ( B ) ( XXXX ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than XXXX days after receiving a request from the consumer for that description. 
Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Transunion : XXXX XXXX XXXX, Account # XXXX * * * * * * XXXX  : XXXX, Account # XXXX- * * * * * * * * * * * * * * XXXX : XXXX Account # 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 2025-07-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
I have submitted and requested the accuracy of my consumer report since 2021 or earlier, and updated.

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 2025-07-28 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX 'S XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I requested the correction of inaccurate information directly from the data furnisher. XXXX credit bureau appropriately updated and removed the item following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA XXXX ( a ) ( XXXX ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00}

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
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Case number : XXXX I disputed a debt that Fair Collections & Outsourcing of XXXX XXXX XXXX XXXX began attempting to collect. They responded with only a residential ledger, which does not meet the legal standard of debt validation under the Fair Debt Collection Practices Act ( XXXX  ). 



I sent a final notice clearly stating that the documents provided were insufficient and that I expected the account to be removed from all credit bureaus. Despite this, the company continued to report the account, which violates both the FDCPA and the Fair Credit Reporting Act ( XXXX  ). 



I then filed a previous CFPB complaint. The company responded by stating they were requesting more time as they were waiting on additional information from their client. This admission proves that they never had proper documentation or legal authority to collect the debt when they first began contacting me and reporting the account.

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Delinquent Account Reported By Capital One Reported On XX/XX/year> Account Balance {$640.00} This credit is wrong and the company wont provide any information and yet Im getting calls with no resolution.

Company response to consumer: Closed with explanation