vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am writing to dispute the following accounts and inquiries listed on my credit report from TransUnion. I believe these accounts and inquiries are inaccurate, incomplete, or otherwise incorrect. 

Charged Off Account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2025 After Filing many disputes,, " EXPERIAN FAILS '' to correct the Disputed/Incorrect issue [ s ] raised in ALL of My letters of Dispute concerning " Addresses " NO LONGER ASSOCIATED '' with Me. 
Ive, on many occasions, requested and demanded that these incorrect addresses be removed with No Positive results. 

I also am REQUESTING the " Method Of investigation '' to assure a thorough look into this issue was actually made and in to whats areas to insure accuracy.

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 2025-11-20 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: NY

Complaint narrative:
I am writing to dispute the following accounts and inquiries listed on my credit report from Experian. I believe these accounts and inquiries are inaccurate, incomplete, or otherwise incorrect. 

Charged Off Account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The law requires disputed accounts to be resolved and removed promptly within set deadlines.

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 2025-11-20 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: AZ

Complaint narrative:
I am submitting a dispute regarding the following charged-off accounts on my Experian credit report. These accounts contain inaccurate reporting, and I request that they be investigated and corrected. 

DEPTEDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5100.00} DEPTEDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} DEPTEDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3300.00} DEPTEDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$990.00} DEPTEDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} DEPTEDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$390.00} XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$30000.00} XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$12000.00} INQUIRIES : XXXX Date : 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 2025-11-20 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:
Legal deadlines regulate the elimination of disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Turnbull Law Group
State: NJ

Complaint narrative:
I am filing a complaint against Turnbull Law Group regarding severe negligence and failure to provide debt-relief services. I was transferred to Turnbull from XXXX XXXX XXXX and have been a client for approximately 33 months, making all payments on time through auto-pay. 

In XX/XX/year>, my bank account was frozen due to a creditors bank levy. I learned that this happened because Turnbull failed to make three months of required payments to the creditor. XXXX acknowledged an internal error but provided no explanation. Despite daily calls, Turnbull never connected me with an attorney, and all responses were scripted with no follow-through. 

Weeks later, Turnbull told me that the creditor no longer wished to work with them and instructed me to pay the settlement directly. I was forced to negotiate the settlement myself and request release of the levy without any legal support from Turnbull. 

On XX/XX/year>, a second bank levy was placed on my account by another creditor. Their law firm informed me that Turnbull had not responded or made payments. As of today, my funds remain frozen and I am experiencing severe financial hardship. Turnbull has still not provided attorney contact or any resolution. 

Turnbulls repeated failure to negotiate debts, failure to make payments, failure to communicate, and complete lack of attorney involvement constitute a failure to perform services. I am seeking investigation and restitution for the financial harm, stress, and disruption caused by these failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am filing this CFPB complaint because Experian is reporting several accounts and inquiries that I believe are inaccurate, incomplete, or unverifiable. I am requesting a full reinvestigation under the FCRA. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} I dispute the way this account is being reported, including the charge-off status. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} I believe this reporting XXXX be inaccurate or incomplete. 

XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$230.00} I dispute the accuracy of the balance and the charge-off status. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$5300.00} XXXX request verification of the balance, dates, and status. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$15000.00} XXXX dispute the reporting of this account and request full documentation. 

I am disputing the following inquiries as unauthorized or inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  I request Experian provide proof of permissible purpose for each inquiry or remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute the reported late payment ( s ) and request verification from the creditor. 

I respectfully request a full reinvestigation and correction of all inaccurate items.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-20 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I do not own this account. I reached out to the company and I put in a dispute. They still said i owe this debt. Which is not mine.

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 2025-11-20 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: IL

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 2025-11-20 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: 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 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 2025-11-20 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:
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 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 2025-11-20 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: TX

Complaint narrative:
I am submitting this formal dispute regarding the information currently being reported on my credit file under XXXX XXXX / XXXXXXXX XXXX The information being reported is inaccurate, incomplete, outdated, and harmful, and it violates multiple sections of the Fair Credit Reporting Act

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$1500.00}, RXXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$340.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$1500.00}, RXXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$340.00},

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 2025-11-20 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EGL US, LLC
State: FL

Complaint narrative:
I received a call about a debt i owe in the amount of about XXXX on XX/XX/year> @ XXXX. I verified my account and advised that I have retained a XXXX XXXX XXXX attorney. I received another call this morning at XXXX attempting to collect. I advised them again that I have retained an attorney and they should not be contacting me again the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
My ex-wife and I shared a joint checking account with U.S. Bank. After our separation, she began refusing to meet with the bank to remove my name from the account. For more than XXXX month I have repeatedly asked her to come with me to the branch, but she refuses. 

She is now intentionally creating debt as a form of retaliation. I have text messages in which she states that she wants to create debt on the joint account. All overdraft transactions come from her credit card and her debit card none are from me. I have not used the account for over a month and I have my own personal account at another bank, which is always positive. 

She recently told me she traveled abroad ( XXXX ) and continues to spend money while the joint account goes deeper into overdraft. She also opened a new bank account for her income, so no money ever goes into the joint account to cover the negative balance. I no longer know her exact location and can not get her cooperation. 

U.S. Bank told me they can not remove my name or freeze the account without her, even though all the charges are exclusively hers. The growing overdraft is causing financial harm both to me and potentially to the bank. I am requesting help to remove my name from the joint account or freeze/close the account so I am no longer responsible for debt I did not create.

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 2025-11-20 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: IN

Complaint narrative:
I am disputing the following accounts and items listed on my Experian credit report for inaccuracies : XXXX : XXXX. XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$300.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$330.00} XXXX XXXXXXXX XXXX  XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$2200.00} XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$1900.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$13000.00} DEPT OF ED/XXXX, Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On or about XX/XX/year>, I discovered that Equifax Mortgage Services pulled a hard inquiry on XX/XX/year>, without my knowledge.

Company response to consumer: Closed with explanation