vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : 1. Wrong Addresses : - Incorrect Address 1 : ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) - Incorrect Address 2 : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WY XXXX ) - Correct Address : ( XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) 2. Incorrect Names : - Incorrect Name 1 : ( XXXX XXXX XXXX XXXX XXXX Incorrect Name 2 : ( XXXX XXXX XXXX XXXX XXXX Incorrect Name 3 : ( XXXX A XXXX XXXX XXXX Correct Name : ( 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 2025-06-26 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
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 non-monetary relief
Consumer complaint received 2025-06-26 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 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 2025-06-26 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: VA

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 2025-06-26 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:
Subject : Formal Dispute of Inaccurate Credit Entry XXXX XXXX XXXX Account Ending in XXXX Dear Credit Bureau Compliance Department, This is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i regarding an inaccurate and damaging entry listed on my credit report : * Creditor Name : XXXX XXXX XXXX * Account Number XXXX * Disputed Item Type : Charge-Off I am requesting an immediate investigation of this item, which I believe to be inaccurate, incomplete, and unverifiable. 
Grounds for Dispute ( FCRA & FDCPA Based ) : 1. 15 U.S.C. 1681s-2 ( b ) : The data furnisher must investigate disputed information upon notice from a CRA. XXXX XXXX XXXX has not verified the accuracy of this listing with proper documentation. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I dispute the accuracy of the charge-off, and the credit reporting agencies are required to reinvestigate and delete or correct the item within 30 days.

3. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Continuing to report unverifiable or incorrect information violates this obligation.

4. 15 U.S.C. 1692g ( FDCPA ) : As the debt was not validated upon my prior request ( if applicable ), it should not be reported.

XXXXE-OSCAR CODES APPLICABLE ( Included for Automation Processing ) : * Code 001 : Not his/hers * Code 103 : Claims account closed * Code 106 : Claims inaccurate information * Code 112 : Claims account paid in full * Code 118 : Claims company will change/remove * Code 202 : Account included in bankruptcy ( if applicable ) * Code 203 : Re-aged account ( if relevant ) Action Requested : I am formally demanding that this charge-off from XXXX XXXX XXXX be : Deleted or updated to reflect accurate and verifiable informationIf verified, provide all supporting documentation, including : * The original signed contract * Payment history * Details regarding charge-off status and accounting * Chain of custody if debt was sold If XXXX XXXX XXXX is unable to provide full documentation verifying this debt , then you are required by law to delete this entry from my credit report. 

Notice of Legal Rights : If this item is not verified within the 30-day investigation window, or if it is reinserted without proper certification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or pursue legal action.

Thank you for your prompt attention to this matter. Please provide confirmation in writing of the results of your reinvestigation. 
Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Entry XXXX XXXX XXXX Account Ending in XXXX Dear Credit Bureau Compliance Department, This is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i regarding an inaccurate and damaging entry listed on my credit report : * Creditor Name : XXXX XXXX XXXX * Account Number XXXX * Disputed Item Type : Charge-Off I am requesting an immediate investigation of this item, which I believe to be inaccurate, incomplete, and unverifiable. 
Grounds for Dispute ( FCRA & FDCPA Based ) : 1. 15 U.S.C. 1681s-2 ( b ) : The data furnisher must investigate disputed information upon notice from a CRA. XXXX XXXX XXXX has not verified the accuracy of this listing with proper documentation. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I dispute the accuracy of the charge-off, and the credit reporting agencies are required to reinvestigate and delete or correct the item within 30 days.

3. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Continuing to report unverifiable or incorrect information violates this obligation.

4. 15 U.S.C. 1692g ( FDCPA ) : As the debt was not validated upon my prior request ( if applicable ), it should not be reported.

XXXXE-OSCAR CODES APPLICABLE ( Included for Automation Processing ) : * Code 001 : Not his/hers * Code 103 : Claims account closed * Code 106 : Claims inaccurate information * Code 112 : Claims account paid in full * Code 118 : Claims company will change/remove * Code 202 : Account included in bankruptcy ( if applicable ) * Code 203 : Re-aged account ( if relevant ) Action Requested : I am formally demanding that this charge-off from XXXX XXXX XXXX be : Deleted or updated to reflect accurate and verifiable informationIf verified, provide all supporting documentation, including : * The original signed contract * Payment history * Details regarding charge-off status and accounting * Chain of custody if debt was sold If XXXX XXXX XXXX is unable to provide full documentation verifying this debt , then you are required by law to delete this entry from my credit report. 

Notice of Legal Rights : If this item is not verified within the 30-day investigation window, or if it is reinserted without proper certification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or pursue legal action.

Thank you for your prompt attention to this matter. Please provide confirmation in writing of the results of your reinvestigation. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am writing to dispute inaccurate information that is currently being reported on my credit file. Ive reviewed my credit report in detail, and Ive found one or more entries that are completely incorrect, misleading, or not mine at all and I am demanding immediate action to correct these errors.

Let me be clear : Im not asking for a vague review or an automated response. Im demanding a thorough investigation and the full removal or correction of any data that can not be directly verified as accurate, up-to-date, and legitimately associated with me. I have no tolerance for sloppy reporting or mixed-file issues, and I take the integrity of my personal financial information extremely seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My account was locked by Barclays in XXXX and I have been trying to get it unlocked since. They have requested my social security card and drivers license by fax or mail which i have done both now multiple times. Each time they say they cant read them, although they were lerfectly clear when i mailed or faced them. I have asked to speak to a supervisor at least 10 times and each time they say 1 will call me within 24-48 hours and no one ever calls. I have almost {$2000.00} in refunds owed and another {$1000.00} in reward points. At this time, all I want to do is close the card ( as I am being charged over $ XXXX to use it and cant ) and the company is not allowing it. This is Barclays Mastercard 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 2025-06-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I went to cancel an app Albert genius before I did I XXXX led the credit sore it says I had credit from XXXX XXXX XXXX XXXX I do not recognize that bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo sold an account thats on my credit and lied and said they didnt write it off. 

Im requesting a copy of the 1099 C from Wells Fargo. 

If they fail to provide, I will pursue legal action for fraud.

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 2025-06-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, 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  XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened XXXX XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XXXX XXXX Date : XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
My vehicle was paid for in cash at XXXX XXXX dealership in XXXX XXXX then a hard inquiry was done that shouldn't have been on my credit report trying to get this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
My vehicle was paid for in cash at XXXX XXXX dealership in XXXX XXXX then a hard inquiry was done that shouldn't have been on my credit report trying to get this removed from my 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 2025-06-26 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: IL

Complaint narrative:
Experian is letting XXXX break the data furnisher rules under fcra, etc. My dispute letter speaks for it self

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 2025-06-26 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: GA

Complaint narrative:
Credit report is bad due to late payments showing, accounts that were included in bankruptcy, charge off etc

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 2025-06-26 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with 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 non-monetary relief
Consumer complaint received 2025-06-26 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-26 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 urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief