vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a reservation with XXXX XXXX  to pick us up in port on XX/XX/XXXX. at XXXX They did not show up at the port. I received an email from them that was ENCRYPTED on XX/XX/XXXX. stating they were at the port and would have to mark me as a no show. 
I was off the Coast of XXXX on a cruise ship on? XX/XX/XXXX. I had no internet. 
I didnt see XXXX XXXX  EMAIL FROM THEM DATED XX/XX/XXXX. till I was at our hotel on XX/XX/XXXX. I emailed them on XX/XX/XXXX. When we had internet at the hotel. 
I sent them THEIR email to me dated XX/XX/XXXX saying they were at the port. 
They clearly got the wrong day. Move I sent them their email with the XX/XX/XXXX date. They copied and pasted the email to me with the XX/XX/XXXX. Date when I had informed them they had the wrong date and they were not at the port at XXXX on XX/XX/XXXX There was only about 5 or 6 private car services in their designated area for car services. XXXX XXXX  WAS NOT THERE. Their email clearly shows they were there on 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
Consumer complaint received 2025-10-12 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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:
My personal information was attained through a data breach where hackers had attained and used my personal information to open up multiple lines of credit. Which I was not aware of or approved. 

Account in question XXXX XXXX Acct # 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 2025-10-12 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:
My personal information was attained through a data breach where hackers had attained and used my personal information to open up multiple lines of credit. Which I was not aware of or approved. 

Account in question XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
In XX/XX/2025, XXXX XXXX sent my account to Radius Global Solutions for collection over unreturned equipment. The alleged balance was {$570.00}. 

On XX/XX/2025, I paid XXXX {$560.00} to resolve the matter while they were searching for the equipment. Later, XXXX confirmed that the equipment had been located and refunded {$510.00} on XX/XX/2025, proving that no valid debt existed. 

Despite this, both XXXX  and XXXX  continue to report this as a Paid Collection. This reporting is inaccurate and misleading because the account was never a legitimate debt and should not have been sent to collections in the first place.

This violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) as well as FDCPA 807 ( 8 ) for furnishing false credit information. I am requesting a full deletion of this tradeline from all credit bureaus, not just a status update, since the debt was invalid and refunded. 

I have attached proof of payment, the XXXX refund confirmation, and screenshots from my credit reports showing the continued 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 2025-10-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX did a hard credit check on my account on XX/XX/year> without my consent. I did NOT go to the dealership this day and I did NOT authorize my credit to be ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX did a hard credit check on my account on XX/XX/year> without my consent. I did NOT go to the dealership this day and I did NOT authorize my credit to be ran.

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 2025-10-13 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-12 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
Have been trying to assume VA home loan for over 18 months. Once again am approved but cant get them to close the loan. They like to play gate keeper with customers assuming VA home loans. Any one is supposed to be able to assume a VA loan as long as they qualify which we do. They discriminate against veterans and customers trying to assume loans. They also cant tell us why they are overcharging for fees that should not be on the disclosure. Disabled veterans should not have a funding fee but they refuse to take it off. They also have other fees that don't make sense and they cant explain them like down payment and other absorbent fees. XXXX XXXX is just as XXXX  as the people trying to work on the loan. He never know what's going on and just calls to say he doesn't know and will try to find an update and then we never hear anything without reaching out. No one down there know what they are doing or how to do assumptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX  Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Full Investigation Inaccurate and Unverifiable Credit Reporting Dear TransUnion, I am writing to formally dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit.

Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), your agency is legally obligated to conduct a reasonable investigation of disputed information. If the information can not be verified through proper documentation, it must be promptly corrected or deleted.

1. Legal Violations and Consumer Protection Context The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against major credit bureaus, including XXXX, for failing to properly investigate consumer disputes. These violations include, but are not limited to : Failing to conduct a meaningful investigation.

Reinserting previously disputed or inaccurate information without proper justification. Failing to notify consumers of the results in a clear and transparent manner.

Given this record of misconduct, I am putting your bureau on notice : any mishandling of my dispute constitutes willful and/or negligent violations of the FCRA, exposing your organization to liability under 15 U.S.C. 1681n and 1681o.

2. Specific Demands I hereby demand that your agency : Conduct a lawful, good-faith investigation of each disputed account.

Provide all documentation that substantiates any verified information.

Delete or correct all unverifiable or inaccurate information immediately.

Provide written confirmation of each action taken within the statutory 30-day window.

3. Escalation and Enforcement This dispute is simultaneously being documented with the CFPB. Should your agency fail to comply fully with federal law, I will : File formal complaints with the CFPB and the Federal Trade Commission ( FTC ). Pursue all legal remedies available, including damages for willful or negligent noncompliance. Submit documentation to state regulators and consumer protection agencies.

4. Notice of Rights Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my credit file, and under 1681i ( a ) ( 6 ), I am entitled to a written description of your investigation results. If the disputed information is not verified with actual evidence, it must be deleted from my credit report.

I expect prompt and full compliance within the 30-day timeframe required by law. Sincerely, 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 2025-10-13 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: Idaho Housing And Finance Association
State: CT

Complaint narrative:
Complaint : As of XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX are inaccurately reporting late payments on my mortgage account for multiple months in XXXX, XXXX XXXX, and XXXX, XXXX, and XX/XX/XXXX. 

According to Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) & XXXX ( b ) ), credit reporting agencies and furnishers must ensure the accuracy of reported information and promptly correct or delete any item found to be inaccurate. In addition, under Idaho Mortgage Lending Act late payment reporting guidance, a payment can not legally be reported as late until after XXXXXX/XX/XXXX. EST on the last day of the month. 

I have attached official loan transaction histories confirming that all payments during the disputed periods were made before the last day of each month : XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XXXX [ date ], XXXX [ date ], XXXX [ date ] XX/XX/XXXX is reporting multipleXX/XX/XXXXday late payments for these months, which is inaccurate, unlawful, and damaging to my credit. 

Requested Resolution : Immediate deletion or correction of all inaccurately reported late payments for the above months. 

Written confirmation of the corrections. 

Notification to the furnisher of these updates. 

Compliance with all FCRA requirements. 

If this is not resolved promptly, I will pursue further legal remedies under 15 U.S.C. XXXX and XXXX. 

Attachments : Loan Payment History ( XXXX, XXXX, XXXX )XX/XX/XXXXCredit Report ( disputed late payments highlighted ) Idaho Late Payment Reporting Guidance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe may be inaccurate. Under 15 USC XXXX ( b ) and 15 USC XXXX, I have the right to a report that contains only verified and accurate information. I am requesting a detailed review of these accounts, and if they can not be confirmed as accurate, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
This complaint is being submitted pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., concerning the inaccurate information I have found on 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 2025-10-13 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: IL

Complaint narrative:
This complaint is being submitted pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., concerning the inaccurate information I have found on 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 non-monetary relief