vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent XXXX XXXX Bankruptcy that appears on my TransUnion credit report. 

The record shows : Filing Date : XXXX XXXX XXXX Discharge Date : XXXX XXXX XXXX  Case No. : XXXX XXXX XXXX / XXXX Court : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX ( XXXX Division ) I have never filed for bankruptcy in any jurisdiction. This record is a clear case of identity theft or an administrative error. I have already provided TransUnion with the following documentation in prior disputes : FTC Identity Theft Report ( # XXXX ) Copy of Government-Issued ID Social Security Card Utility Bill ( proof of current address ) A letter from the Court confirming I did not file for bankruptcy. 

Despite multiple disputes and submissions of proof, TransUnion and Experian has failed to remove this inaccurate and damaging public record. This is a violation of the FCRA 1681e ( b ), 1681c ( a ) ( 1 ), and 1681i ( a ).

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Account Midland credit # XXXX I'm unaware of this debt and did not have the opportunity to dispute account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete Midland # XXXX from each bureau reporting these charges as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
Disputed Account Name : XXXX XXXX Account Number:XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the XXXX XXXX account currently reporting on my TransUnion credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am requesting that TransUnion conduct a reinvestigation of this account, as I believe the information being reported is inaccurate, incomplete, or can not be verified. 

Specifically, I am requesting the following : A detailed reinvestigation of the XXXX XXXX account. 

Verification of the accuracy of the reported information.

The method used to verify this account.

A complete description of the procedure used in your investigation as required by law.

The name and contact information of the entity that verified the account.

Please note that under 15 USC 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, it must be promptly deleted from my credit report. 

Enclosed are copies of my identification and a recent utility bill to verify my identity and address. 

If the account can not be verified within the time frame required by law ( 30 days from receipt of this dispute ), I expect it to be removed from my credit file immediately. 

Thank you for your attention to this 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 explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
The accounts that were reported were a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
I am attempting to get a correct payoff amount they are including the finance fees for the next two years and I want to pay my loan off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report associated with my account incorrect balance, late payments that were paid on time, account that does not belong to you I have attempted to resolve this matter directly with the creditor on but I have not received a satisfactory response. 
I request that the XXXX investigate this issue and ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report associated with my account incorrect balance, late payments that were paid on time, account that does not belong to you I have attempted to resolve this matter directly with the creditor on but I have not received a satisfactory response. 
I request that the XXXX investigate this issue and ensure the accuracy of my credit report.

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 2025-07-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I contacted XXXX  to report an issue on my XXXX credit report that does not belong to me. I explained there is a name and address and an Apple credit card that I have no knowledge of that was opened up in XXXX XXXX XXXX  I explained I called Apple card on XXXX XXXX XXXX, and they informed me that I did not have an open account or credit card using any of my information through them. The account got sent to collections on XXXX and is now showing up as a negative on my credit report. XXXX  found that the information on my credit report is accurate. I spoke to a manager at XXXX  on XXXX regarding my dispute and they refused to help me they said my complaint is with Apple credit Card and they can not help me. I explained to XXXX that there is a debt on my credit report that is false, and I would like it removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am disputing a closed credit card account from XXXX XXXX that is hurting my credit report. I submitted a previous CFPB complaint about this issue over two weeks ago, and only now I received a letter dated XXXX XXXX XXXX, informing me that the account was closed due to a credit score review.

This account was opened in XXXX and is my oldest credit account. I was never notified in advance that it would be closed or given an opportunity to resolve the matter. The closure was done without proper notice and has affected my credit history. The way it was reported is inaccurate and unfair. 

I am requesting a full deletion of this account from my credit report due to lack of proper notice, failure to investigate, and the negative impact on my credit profile.

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 2025-07-29 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 required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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 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

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Formal Dispute of Unauthorized Transaction {$1000.00} I am writing to formally dispute a transaction on my account in the amount of {$1000.00}, which was previously submitted for dispute but was denied by your institution without any written explanation or supporting rationale.

This transaction is unauthorized, inaccurate, and not recognized by me, the account holder. As a consumer, I am entitled to clear communication, a fair investigation, and full transparency regarding the outcome of any disputed charge under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666.

According to the FCBA, creditors are required to : Acknowledge a billing error dispute within 30 days of receiving it. 
Complete a reasonable investigation and resolve the matter within two billing cycles ( but not more than 90 days ). 
Provide the consumer with a written explanation of the results of the investigation, including the evidence used to deny or uphold the claim. 

To date, your institution has failed to meet these basic requirements of consumer protection and transparency. The denial of my dispute came with no detailed justification or findings, which is unacceptable and does not meet the standards of a good faith investigation. 

Therefore, I am formally requesting the following : 1.A full reinvestigation of the transaction in the amount of {$1000.00}.

2.A written explanation of the original denial, including all documentation and evidence used to reach your conclusion.

3.A temporary reversal of the charge during your reinvestigation as per FCBA guidelines.

4.An assurance that this matter will not negatively affect my account or credit standing during the dispute process. 

I am attaching all relevant supporting documents for your reference [ Include receipts, account statements, prior correspondence, etc. if available ]. Please consider this letter as part of my continued effort to resolve this matter properly and fairly. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-30 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: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-30 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: TN

Complaint narrative:
Earlier today, I discovered some inaccurate accounts on my credit report, and I have no explanation for how they appeared. I checked my report like I normally do, but this time there were unexpected inconsistencies. I tried refreshing the page to see if it was an error, but the issue persisted. Because of this, I kindly ask that the documents I've provided be thoroughly reviewed to help put my concerns to rest.

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 2025-07-30 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-30 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian I was doing my periodic review of my consumer report and i saw are furnishing XXXX XXXX some accounts with payment as later on my credit report. That was XXXX. 
I did submit disputed 60day later send me letter said this information was verified with out any proof. 
I need to know what method they used.

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 2025-07-30 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: V and H Portfolio
State: MI

Complaint narrative:
I disputed with BUREAUS a collection reported by Vance & Huffman LLC for {$4600.00}, listing the original creditor only as XXXX. 
I do not recognize this debt and have never received any bills or collection letters for it. The report also shows a last payment date of XXXX which is inaccurate as I have never made a payment to them.

I requested verification under the FCRA ( 15 U.S.C. 1681i and 1681s-2 ( b ) ) including : Proof that this debt belongs to me ( contract, statements, etc. ) Clarification of the original creditor identity An explanation of the false last payment date. 
Neither XXXX nor Vance & Huffman has provided evidence. This collection is unverifiable and misleading and must be removed. I am also a victim of identity theft ( FTC Report # XXXX attached ). 
I request deletion of this item if they can not fully verify ownership and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This letter is a formal dispute and notice regarding the unauthorized access and furnishing of my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b.

According to this statute, a consumer reporting agency may only furnish a consumer report under specific permissible purposes, and certain casessuch as employment, insurance, or creditrequire my written consent. To date, I have never provided written authorization for any entity to obtain or access my credit information through your agency. Therefore, any furnishing or access of my credit report without my explicit written consent is unauthorized and unlawful. 

Please provide the following documentation within XXXX XXXX, as required by the FCRA : The name and address of every party that has accessed or received my credit report without my authorization. 
A copy of the original written consent you claim to have on file that would justify the release or access to my consumer information. 
A complete copy of my current credit file as maintained by your agency. 
If you are unable to produce verifiable written consent from me for the release of my consumer report to any third parties, I demand that you : Accounts : 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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