vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am following up regarding multiple inaccuracies, unauthorized inquiries, and unverifiable accounts that continue to appear on my credit reports with Experian, Equifax, and TransUnion, causing ongoing harm to my credit standing. Despite my previous disputes, these issues remain unresolved, and the reporting agencies have failed to correct or verify the information in accordance with the Fair Credit Reporting Act ( FCRA ). 
Experian continues to list addresses that are not mine, including XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX and XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Equifax reports inaccurate addresses such as XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MA XXXX, while TransUnion is reporting XXXXXXXX XXXX XXXXXXXX MA XXXX and XXXX XXXX XXXX MA XXXX. These inaccurate identifiers create confusion and may link me to accounts I do not recognize. Under FCRA XXXX ( a ) ( XXXX ) [ 15 U.S.C. XXXX ], FCRA XXXX ( a ) ( XXXX ) ( A ) [ 15 U.S.C. XXXX ], and FCRA XXXX ( b ) [ 15 U.S.C. XXXX ( b ) ], these inaccurate addresses must be removed from my credit file. 
Experian and TransUnion are also reporting unauthorized inquiries, including XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries, and they were not conducted for a permissible purpose. Under FCRA XXXX ( a ) ( XXXX ) [ 15 U.S.C. XXXX ], reporting inquiries without authorization is a violation of my rights, and under FCRA XXXX [ 15 U.S.C. XXXX ] and FCRA XXXX ( a ) ( XXXX ) [ 15 U.S.C. XXXX ], I am entitled to dispute and demand their removal. 
Additionally, all XXXX bureaus continue to report charge-off accounts that are inaccurate and unverifiable. The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account opened XX/XX/XXXX with a balance of {$490.00} * * and the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened XX/XX/XXXX with a balance of {$1100.00} * * remain listed despite lacking proper verification. Under FCRA XXXX, FCRA XXXX ( b ), and FCRA XXXX, I have the right to block or remove any inaccurate or unverifiable charge-offs. In particular, the XXXX XXXX account exceeds {$600.00} and no IRS Form XXXX has been issued, meaning the debt has not been officially canceled. Reporting it as a negative item without proper documentation is misleading and harmful.

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 2025-09-27 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: NV

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following account. 
XXXX XXXX Balance : {$4900.00}

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a checking account with capital one small business was checking as me and two partners just opened a business in XX/XX/XXXX. I deposited a check issued in the companies name into the account. I requested to transfer funds after the check cleared but inadvertently selected a transfer in to the capital one account instead of out of the account. The external account linked ( XXXX account ) canceled the request in there end. I attempted to get capital one to cancel it on there end which they said they couldnt. Eventually the payment in to capital one was reversed because XXXX has canceled the transaction on its end. 
After this capital one suspended the account and has not allowed access to the {$8800.00} that was deposited XX/XX/XXXX. I have called three separate times. I answered all of their questions. I explained the business was just started. I explained it was a partnership not an XXXX owned by myself, my husband, and our friend. I uploaded the agreement, copy of the liability insurance, IRS letter for the tax ID, and a copy of a contract the company has with one of our vendors as proof of my ownership of the company. I was told a review would be expedited. I was given no other information or requests. Its been almost 30-days and they have not released the suspension on the account and therefore I can not access the funds. This is a small business that we just started and we dont have huge capital. Every time I call, I get no answers or solution or direction on a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX  has committed identity theft against me when they brought, sold, and traded my personal information for monetary gain without my consenXXXX XXXX XXXX XXXXXXXX stated I didnt provide my personal information to verify my account which I had sent in. Nothing was resolved and they closed my complaint without resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX / Equifax / Experian / TransUnion Creditor Name : XXXX Account XXXX : XXXX Date Reported : XX/XX/year> Disputed Amount : {$380.00} This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account.

Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report.

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights 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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Account Number : XXXX Complaint Summary : I am disputing the accuracy and legality of the negative reporting associated with my Comenity CapitalXXXX  account XXXX which has been reported with multiple late payments, past due balances, and ultimately charged off. This reporting is inaccurate and unlawful under federal law. 
Legal Basis : Under 15 U.S.C. XXXXb ( Time to Make Payments ), a creditor may not treat a payment as late unless it has ensured billing statements were mailed or delivered at least XXXX days prior to the due date. Failure to comply invalidates any late fees or delinquency reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), furnishers of information must report data with maximum possible accuracy. 
Violation Details : My credit report reflects repeated late payments between XXXX and XXXX, escalating to a charge-off in XX/XX/XXXX. There is no proof that Comenity Capital delivered billing statements in compliance with the law. The reporting of delinquencies without proper compliance constitutes inaccurate and unlawful furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-27 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: TX

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
To Whom It May Concern, Please delete the following late payments off the following accounts. I was never late on these accounts. If the company verifies I was late, have them send the original contract with signatures, late notices, emails, phone records, and payment history verifying late payments. If cant verify, please remove it from the credit profile. 

Dept of Education/Nelnet Bal {$1800.00} Dept of Education/Nelnet Bal {$1200.00} Dept of Education/Nelnet Bal {$2500.00} Dept of Education/Nelnet Bal {$2000.00} Dept of Education/Nelnet Bal {$1200.00} Dept of Education/Nelnet Bal {$3900.00} Dept of Education/Nelnet Bal {$2500.00} Dept of Education/Nelnet Bal {$2600.00} Dept of Education/Nelnet Bal {$2400.00} Dept of Education/Nelnet Bal {$3400.00} Dept of Education/Nelnet Bal {$0.00} Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX # : XXXX XXXX XXXX XXXX XXXX  XXXX Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ga XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear All credit bureau agencies, I am writing this regarding an inaccurate collection on my credit due to identity theft. I do not owe you any money. 
Since your company is claiming that I have an outstanding debt, I am requesting the following : I am requesting chain of titles. 
The original contract agreement. 
Legal standing of supposed debt. 
Copies of any documents that show I AGREED to pay what you say I owe. 
Show me that you are licensed in my state, and please give. Me your license number. 
I demand that if you have reported me to any credit reporting agency that you affirm them that this Debt is not correct and is a result of identity theft, and hat I have placed this debt in dispute. Please provide me proof that you have done so.

I ask that you immediately send me a copy of my dispute to the original company that says I owe them money, so they are also aware of my dispute with this Identity theft debt. 
Thank You for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I took out a loan and the interest rates and direct deposit amounts they said I needed to make were incorrect. They notified me of the errors and told me I needed to sign a new contract. I did not sign a new contract and now my daily interest is adding up and they call me back telling me to increase my direct deposit amount which they told me I needed to make. It has been a year and only XXXX XXXX has been paid off when I have made about XXXX XXXX in payment. I responded back to them via text since every one I spoke with has givin me incorrect information or has told me something different which should be recorded on their phone calls. I am looking over past billing and data to see that I am being charged late fees from their errors and being paid less than XXXXXXXX XXXX over a weekly pay of XXXX XXXX towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: VA

Complaint narrative:
In my Experian Dispute Results, Experian advised me to check their Third Party reporting company, XXXX XXXX  Upon checking, I noticed they are a reseller of my consumer information that they get from credit bureaus. 

RESELLER NOTICE In addition to being a credit bureau, XXXX  is also a reseller of consumer information. As a reseller, XXXX  obtains information about you from other credit bureaus and then provides this information to users for a purpose permitted by federal law. This information that XXXX resells from other credit bureaus is not part of your XXXX  file and therefore is not included in the packet that you received today. You are encouraged to obtain a copy of your credit information from the other credit bureaus and review it for accuracy. Below is the contact information for the other credit bureaus that XXXX obtained and resold information about you in the last 90 days. 

Company : Experian Attention : Experian Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The FCRA is the primary federal law that governs : What information credit bureaus ( like XXXX, Experian, XXXX  ) can collect Who can access my credit information Under what conditions your data can be shared or sold My rights to access, correct, or limit the sharing of my information There is a Permissible Purpose Requirement : Credit bureaus can't just sell my information to anyone. The buyer must have a " permissible purpose '' ( e.g. lenders, landlords, employers with my consent, and they do not ).

Consumer Consent : In many cases ( especially for employment checks ), they must get my consent before my report is shared.

Accuracy and Privacy : The law requires credit bureaus to ensure my data is accurate and kept private unless disclosure is legally permitted.

I have permanently opted out and disputed incorrect information directly via telephone, today XX/XX/XXXX, with XXXX XXXX XXXX Representative. 

Disputed XXXX addresses, inaccurate accounts, and XXXX unknown inquiries seen by others, a phone number, an email address, income, and banking information ( routing numbers and account numbers ) for XXXX banks.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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