vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, XXXX completed reinvestigation # XXXX and confirmed that several disputed names and addresses were inaccurate and deleted. These same inaccurate records remain on my Experian and/or TransUnion credit files despite documentation proving they do not belong to me. I am requesting the CFPB ensure that both bureaus update my file to match the verified Equifax results. 

XXXX  verified that several inaccurate personal identifiers were not associated with me and permanently removed them from my credit file. These included the names XXXX XXXX and XXXX XXXX XXXX, along with the former addresses XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX, and XXXX XXXX XXXX XXXX GA XXXX. 

Despite this verified correction, TransUnion and Experian continue to display XXXX or more of these deleted names and addresses on my credit reports. This inconsistency causes confusion for lenders and undermines the accuracy of my credit profile. 

I have attached my XXXX  dispute results PDF as evidence of the verified deletion and cleanup. Under the Fair Credit Reporting Act ( FCRA 611 and 623 ), all consumer reporting agencies are required to maintain accurate and consistent data once an item has been confirmed inaccurate and removed.

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 2025-10-31 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: CA

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and permanent deletion of unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were not initiated by me, and I did not provide written nor verbal authorization for their access. 

I was unable to file an Identity Theft Report through the FTC portal due to system unavailability at the time ; therefore, I have enclosed a signed Affidavit of Unauthorized Credit Inquiries, completed under penalty of perjury, which is valid evidence under 15 U.S.C. 1681c-2 ( b ) when an FTC report is not available. 

Unauthorized Hard Inquiries to Be Deleted Immediately XXXX XXXX XXXX Equifax XXXX XXXX Equifax Legal Basis for Removal Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( a ) ( 2 ) : Requires direct consumer authorization to access a credit report.

15 U.S.C. 1681i : Grants me the right to dispute inaccurate or unauthorized information.

15 U.S.C. 1681c-2 : Requires the credit bureau to block and delete information within XXXX ( XXXX ) business days once a sworn identity statement ( affidavit ) is submitted. 

Since I never authorized these inquiries, they must be blocked and removed immediately, not merely marked as disputed. 

Urgency Credit Damage & Financial Impact These unauthorized inquiries are negatively affecting my credit score and overall creditworthiness. Their continued reporting is causing serious financial harm and jeopardizing my ability to secure credit and maintain stable financial conditions. 

I have made multiple attempts by phone to resolve this matter, but no effective resolution has been provided. 

Required Actions Block and permanently delete the unauthorized inquiries listed above from my credit file. 
Provide written confirmation of removal mailed to my address. 
If you claim any inquiry was authorized, provide the following : A signed credit application, and Proof of permissible purpose directly associated with the creditor.

If no such documentation exists, removal is required by law under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Thank you for your immediate attention to this matter. I expect a full written response within the time limits required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AZ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-31 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: RI

Complaint narrative:
Dear Equifax, I am writing to request the method of verification used to verify the following accounts that appear on my credit report. This request is made pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX XXXX XXXX  XXXX Account # XXXX * * * * XXXX XXXX XXXX Account # XXXX * * * * XXXXXXXX XXXX XXXX Account # XXXX * * * * XXXX XXXX  Account # XXXX * * * * XXXX Account # XXXX * * * * Please provide the following for each account : The name, title, and contact information of the individual who verified the information. 

The date and time the verification took place. 

The entity, database, or system used to confirm the accuracy. 

A copy of the ACDB ( Automated Consumer Dispute Verification ) record or any other documentation used during verification. 

Additionally, I request : Proof of ownership and assignment of each account, including whether any debt was securitized or transferred. 

The name of the current creditor or owner claiming interest in the account. 

A copy of the original signed agreement or contract authorizing the account and its reporting to the bureaus. 

Under FCRA 611 and 609 ( a ) ( 1 ), I am entitled to receive complete documentation used to verify or validate these items. Please provide your written response within XXXX business days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
XXXX / XXXX XXXX XXXX  response fails to correct or validate the inaccurate tradeline I originally disputed. Their own written reply ( dated XX/XX/XXXX ) admits the account was closed and paid in XX/XX/XXXX with a {$0.00} balance, yet it remains reported as derogatory and was last updated XX/XX/XXXX. 

The proof they provided is a generic payment screenshot with no consumer name, no account number, and no identifiers, which does not constitute verifiable documentation under the Fair Credit Reporting Act ( FCRA ). 

They have provided no evidence linking that record to the disputed account. 
Violations Committed : FCRA 1681s-2 ( a ) ( 1 ) ( A ) & ( B ) : Furnishing inaccurate or incomplete data and failing to correct it after notice.

FCRA 623 ( a ) ( 5 ) : Misreporting the date of last activity ( last reported March 2023 for an account closed in 2021 ).

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy ; data contradicts their own closure record.

FCRA 611 ( a ) ( 1 ) ( A ) : No reasonable reinvestigation they issued a boiler-plate response without verifying source records.

FDCPA 807 ( 2 ) ( A ) : Misrepresenting the character and legal status of a fully-paid debt by labeling it derogatory. 
Facts supporting inaccuracy : Account closure confirmed by XXXX own letter ( XX/XX/XXXX ). 
Last furnished update appears as XX/XX/XXXX long after closure. 
Provided payment log contains no consumer identifiers. 
XXXX % on-time payments metric misleads lenders into believing ongoing delinquency.

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 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XX/XX/year> I received a fraudulent alert on my phone from my Target Mastercard. XXXX fraudulent transactions had processed. XXXX for the amount of XXXX from XXXX XXXX the other XXXX from XXXX XXXX. That same day I started the fraud process in which I was told it takes up to XXXX  days for full investigation. I fill out all documents on my part which target received. It is now well over the XXXX  days I have contacted target and TD bank and no one can help me or tell me when investigation will be completed and rectified. 
They did not hold the balance for the fraudulent amount so theres an outstanding balance on my account which I was force to make a payment. Due to this chaos I have closed my account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX XXXXXXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1000.00}. Please verify and provide the correct status for this account. 

Inquiries : There are no specific inquiries listed for Equifax in this case. 

Late Payments : There are no specific late payments listed for Equifax in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

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 explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon submittal of my disputes and/or challenges of clear factual errors and metro 2 compliance issues, the credit bureaus have ignored.

There have been several accounts that I have challenged with the 3 credit bureaus they they have no clearly indicated any dispute comments and/or updated the date verified. 
Such as XXXX XXXXXXXX XXXX XXXX  on ( Experian ) none on XXXX XXXX and non on XXXX XXXX XXXX XXXX I get back from the credit bureaus is stall tactics, delay tactics, we applaud your efforts tactics, more over I also submitted a XXXX to the original creditors and heard havent heard back There has been many data points that INCONSISTENT, ERRONEOUS, DEFICIENT, QUESTIONABLE, unverified, even possibly invalid and or else wise NOT COMPLIANT REPORTING.

Failure to Mark Account as " In Dispute '' Statute : 115 U.S. Code 1681s-2 ( a ) ( 3 ) The 3 credit bureaus didn't enter the required notice of dispute or change Date Reported/Updated and because of this, this account is in violation and needs to be removed. FCRA 623 and FDCPA 806 ( b ) state that the, creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report. Delete account for failure to preform an investigation per FCRA regulations. Any deviation of standards JEOPARDIZES the integrity of data '' reported, missing the XXXX aka CCC is a deviation by ommittence.

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 2025-10-31 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: AMERICAN EXPRESS 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 2025-10-31 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: AR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-31 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: LA

Complaint narrative:
XXXX XXXX Accounts : XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$5500.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$700.00}. Please verify and provide the correct status. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$310.00}. Please verify and update this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$330.00}. Please verify and provide the correct status. 

XXXX XXXX XXXX  ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$440.00}. Please verify and provide the correct status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$220.00}. Please verify and provide the correct status. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1100.00}. Please verify and provide the correct status. 

Inquiries : XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is unauthorized. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-31 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:
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 explanation
Consumer complaint received 2025-10-31 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: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: PA

Complaint narrative:
I applied and received immediate approval for a US bank shield XXXX  credit card in XXXX. The promotional period offered was XXXX  months. When I received my card and the welcome package the promotional period showed XXXX months. I immediately contacted US bank to have the terms corrected but never received a response.

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