vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: LA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the furnishers of the accounts identified in my supporting documentation. Despite my repeated disputes under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, these accounts continue to be reported as verified and accurately reporting, which is demonstrably false and misleading.

Under FCRA 1681e ( b ), consumer reporting agencies are legally required to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency is obligated to delete or correct that information promptly.

Additionally, per the Metro 2 Compliance Guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ), furnishers and credit bureaus are bound to report data with integrity, consistency, and verifiability. Failure to comply with these standards constitutes a direct violation of industry compliance and federal law. 

In this case, the disputed accounts have been repeatedly verified without any proper reinvestigation or evidence to substantiate the accuracy of the reporting, which is a violation of both the FCRAs reinvestigation requirements and Metro 2 data reporting standards. Simply relying on automated responses from data furnishers does not satisfy the requirement of a reasonable reinvestigation under the law.

I will be providing clear and compelling documentation proving these accounts are inaccurate. Therefore, pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), I am demanding the immediate deletion of all inaccurate, incomplete, or unverifiable information from my credit report. 

If these violations are not corrected within the statutory time frame, I will have no choice but to pursue all available legal remedies, including initiating a lawsuit under FCRA 1681n and 1681o for willful and negligent noncompliance. This includes seeking actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, as well as attorneys fees and costs of litigation.

I trust the CFPB will take swift and appropriate action to address these serious violations of my consumer rights.

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 2025-07-16 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-16 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/20XXXX XXXX XXXX Date : XX/XX/2023

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 2025-07-16 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:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2025-07-16 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:
Over the past two months, I have made repeated efforts to resolve inaccuracies, fraudulent inquiries, and unverified accounts on my credit report with TransUnion. These efforts included multiple certified dispute letters, as well as verbal communication, but the credit reporting agency has failed to update, correct, or verify the information on my account as required under federal law. 

Specifically : On XX/XX/2025, I sent a formal dispute letter via certified mail to TransUnion, demanding verification or removal of multiple accounts. This included requests for original signed consumer contracts under FCRA Section 609 ( a ) ( 1 ) ( A ) and corrections under 15 U.S. Code 1666b due to payment posting delays. 

The letter was mailed again with tracking confirmation on XX/XX/2025, yet no meaningful response or resolution has been provided to date. 

Despite these efforts, TransUnion has failed to verify or remove any of the disputed items, nor have they corrected the inaccurate or misleading information. 

I also made verbal attempts to resolve these matters, which were ignored by TransUnion and the other major bureaus. 

These ongoing reporting failures have directly harmed my credit standing and violate my rights under the Fair Credit Reporting Act. 

The listed accounts include alleged debts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Several of these are reporting inaccurate information, lack any verifiable contract, or are not mine. XXXX XXXX XXXX XXXX XXXX, is not licensed to collect in Florida, and no forward flow agreement has been provided. 

In addition to these accounts, my credit file also shows multiple unauthorized auto inquiries which are fraudulent and should not appear on my report. I have previously spoken with TransUnion and the other bureaus regarding these inquiries and explained that I did not authorize any of them. Despite this, they have not been removed and no action has been taken. 

Furthermore, it is important to note that the Consumer Financial Protection Bureau ( CFPB ) has already filed lawsuits and taken enforcement action against TransUnion and other credit bureaus for similar violations including failing to investigate consumer disputes, refusing to correct inaccurate information, and continuing to harm consumers through willful noncompliance. Despite prior enforcement, these same illegal and harmful practices are still being committed.

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 2025-07-16 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: FL

Complaint narrative:
Over the past two months, I have made repeated efforts to resolve inaccuracies, fraudulent inquiries, and unverified accounts on my credit report with TransUnion. These efforts included multiple certified dispute letters, as well as verbal communication, but the credit reporting agency has failed to update, correct, or verify the information on my account as required under federal law. 

Specifically : On XX/XX/2025, I sent a formal dispute letter via certified mail to TransUnion, demanding verification or removal of multiple accounts. This included requests for original signed consumer contracts under FCRA Section 609 ( a ) ( 1 ) ( A ) and corrections under 15 U.S. Code 1666b due to payment posting delays. 

The letter was mailed again with tracking confirmation on XX/XX/2025, yet no meaningful response or resolution has been provided to date. 

Despite these efforts, TransUnion has failed to verify or remove any of the disputed items, nor have they corrected the inaccurate or misleading information. 

I also made verbal attempts to resolve these matters, which were ignored by TransUnion and the other major bureaus. 

These ongoing reporting failures have directly harmed my credit standing and violate my rights under the Fair Credit Reporting Act. 

The listed accounts include alleged debts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Several of these are reporting inaccurate information, lack any verifiable contract, or are not mine. XXXX XXXX XXXX XXXX XXXX, is not licensed to collect in Florida, and no forward flow agreement has been provided. 

In addition to these accounts, my credit file also shows multiple unauthorized auto inquiries which are fraudulent and should not appear on my report. I have previously spoken with TransUnion and the other bureaus regarding these inquiries and explained that I did not authorize any of them. Despite this, they have not been removed and no action has been taken. 

Furthermore, it is important to note that the Consumer Financial Protection Bureau ( CFPB ) has already filed lawsuits and taken enforcement action against TransUnion and other credit bureaus for similar violations including failing to investigate consumer disputes, refusing to correct inaccurate information, and continuing to harm consumers through willful noncompliance. Despite prior enforcement, these same illegal and harmful practices are still being committed.

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 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I was deeply alarmed to discover that my credit report has been accessed without my knowledge or permission. Applications were made in my name, and credit inquiries were conducted by companies Ive never engaged with, nor did I authorize such access. I do not recognize these inquiries, and I never gave consent for them to be made. 

This situation is a serious breach of my consumer rights and an unacceptable violation of my personal information.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I closed my bank account since XXXX XXXX and still dont received the funds left from my account, everytime I called they give me a reference # and tell me the check will arrived in 10 days, but they are liers and I need my money ASAP.... this is insane.

I dont know what else to do.

thank you for your help 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 monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Subject : Dispute of Charged-Off Account XXXX XXXX XXXX  ( Acct # XXXX ) To Whom It May Concern, I am writing to dispute the accuracy of the following account reported on my credit file. The details are : Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$450.00} Status : Charged Off ( from XX/XX/XXXX to XX/XX/XXXXXXXX  ) Credit Limit : {$300.00} Charge-Off Amount : {$450.00} On Record Until : XX/XX/XXXXXXXX  I do not believe this reporting is accurate and am requesting a reinvestigation. Please verify the details of this account, including : The accuracy of the charge-off balance, Proof that the amount and dates are valid, and Documentation that XXXX XXXX is lawfully reporting this item. 

If the account can not be fully verified and validated under the Fair Credit Reporting Act ( FCRA ), I request it be corrected or removed immediately. 

Thank you for your time and attention. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Subject : Dispute of Charged-Off Account XXXX XXXX XXXX  ( Acct # XXXX ) To Whom It May Concern, I am writing to dispute the accuracy of the following account reported on my credit file. The details are : Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$450.00} Status : Charged Off ( from XX/XX/XXXX to XX/XX/XXXXXXXX  ) Credit Limit : {$300.00} Charge-Off Amount : {$450.00} On Record Until : XX/XX/XXXXXXXX  I do not believe this reporting is accurate and am requesting a reinvestigation. Please verify the details of this account, including : The accuracy of the charge-off balance, Proof that the amount and dates are valid, and Documentation that XXXX XXXX is lawfully reporting this item. 

If the account can not be fully verified and validated under the Fair Credit Reporting Act ( FCRA ), I request it be corrected or removed immediately. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
They called from XXXX ( XXXX ) XXXX gave us number XXXX ( XXXX ) XXXX. XXXX was nasty & threatened us about a {$2800.00} capital one debt & said they would see us in court. We asked for written documents as we currently have several capital one cards. They then stated capital one is a forgiving company. So why would capital one extend us credit and when was this card used? They told us to use the cards we have to pay off this debt. I asked them to verify our address. They kept threatening to deliver legal documents to our home & work address. 
They didnt verify anything & hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
I was involved in a phone scam in late XX/XX/year>, resulting in my obtaining personal loans that I'm now having to repay.The scam involved me taking out a loan and then taking out the money and converting it to XXXX and sending it to HIS account, then he was to transfer it into an account in my name and my investment would grow. He even showed me a fake account so that I could see my investment. However, when I would try to withdraw my money, I would always have to pay more money to do a withdrawal. One such loan is to One Main Financial. I took out a loan using my car as collateral, in the amount of {$9400.00}. The interest rate being charged is 35.99 % APR. According to Florida State Law, Statute 537.011, under section1, I believe they are charging me too much interest on this loan that is allowed by Florida law and therefore the loan should be voided.

Company response to consumer: Closed with explanation