vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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:
TRANSUNION agency is improperly reporting as I was never given the right to OPT OUT of anything being added to my consumer report. As stated in CONSUMER LAW, of 15USC code 1681 not to mention they violated 15 USC 6802. Then Fair Credit Act and not to mention the Privacy Act of 1974. They also violated 12 CFR 1016.13,1016.14 and 1016.5. Never was I informed of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ) no consumer reporting agency may make items of information and any adverse item of information, other than records of CONVITIONS OF CRIMES which antedates the report by more than 7 years. TRANSUNION is reporting without my consent and it is against the LAW 15USC code 1681s-2 ( a ) ( 1 ) states " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is not correct. 15 USC code 1681e also, states " every consumer agency shall maintain reasonable procedures designed to avoid violations section 1681c of this title ''. and to limit the furnishing of consumer reports to the purpose listed in under section 1618 b of this title. TRANSUNION is not complying with procedure. TRANSUNION does not have my written, implied verbal or nonverbal consent. in 15USC6801 " I have the right to make sure my private information is not shared as it states 15 USC 6801.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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'm contacting you regarding a credit inquiry that was made without my permission. I want to be absolutely clear : I never gave this companynor anyone acting on their behalfany authorization to access or pull my credit report. 

This was done without my knowledge or consent, and as such, it qualifies as an unauthorized and fraudulent inquiry under the Fair Credit Reporting Act ( FCRA ). I did not apply for credit, services, or any financial product from this company, and I have no existing relationship with them that would justify this kind of access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is my second complaint regarding case number XXXX. The company has replied : Company still working Status Company response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Portfolio Recovery Associates , LLC ( PRA ) is investigating the complaint that was submitted. 
This is false, they have continue to pursue to garnished my waged without providing debt validation. I received e-mail from payroll yesterday XX/XX/year> stating : Hi XXXX, I received a notice from the XXXX office stating to reinstate the Garnishment we previously spoke about in the amount of {$24000.00}, Regards, XXXX XXXX XXXX Payroll Manager This is illegal and unjust, they can not garnish my wages without providing debt validation and they have exceed the 30 days. I will be going to Civil court tomorrow because they want to start garnishing my check in XXXX. Please let me know how can I proceed. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I only found out today after trying to open a bank account with XXXX XXXX XXXX that their information on my credit report that is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. accounts in questions are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. accounts in questions are 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im submitting this update to my original complaint regarding the {$560.00} XXXX charge made on XX/XX/year>, that was voided the same day. 

Capital One responded to my dispute ( Claim # XXXX ) by requesting additional documentation, including : The original purchase receipt Proof of my attempts to resolve the matter with XXXX XXXX cancellation/refund policy I have already submitted some of these materials to capital one, but I want to emphasize that XXXX has already confirmed the charge was voided and no funds were captured. Despite this, Capital One has not released the funds or resolved the dispute. This delay is creating financial hardship. also to note, I called XXXX and conferenced the call with capital one on XX/XX/year> around XXXX and the XXXX  representative informed the capital one representative that the transaction was voided which means no funds was captured, the capital one representative acknowledged what the XXXX representative said and assured me that they put note on my account regarding the conversation they had with the XXXX  representative that they got verbal confirmation that the funds was not captured and that the transaction was voided. Today I received this email from capital one asking for additional information even though I had already sent them the email confirmation from XXXX that the transaction was voided and no funds was captured, the confirmation email of the itinerary cancellation, & the confirmation email of the service charge refund of {$25.00} + {$25.00} which was posted to my checking account on the XXXXXXXX XXXX XXXXXX/XX/year>. 

I am sharing this update to show that I am cooperating fully and would appreciate CFPB oversight to ensure this matter is resolved fairly and quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently view my credit report and noticed this fraudulent account. This is hurting my ability to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Recreational Holdings Corp.
State: RI

Complaint narrative:
Ironhorse Funding LLC issued a 1099-C for my auto loan, which was reported to the IRS as canceled debt meaning the debt was discharged and is no longer legally owed. Despite this, Ironhorse is still reporting a balance of over {$11000.00} and marking the account as charged off and past due on my credit report. This is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ) and possibly IRS guidelines.

Once a 1099-C is issued, the creditor has received a tax benefit and acknowledged the debt is no longer collectible. Reporting the account as if its still owed is an attempt to double dip damaging my credit while also benefiting from the IRS discharge.

I am formally requesting a complete deletion of this tradeline from all credit bureaus. Updating it to a {$0.00} balance is not sufficient the debt has been canceled and is no longer valid for reporting. This misrepresentation is materially harming my creditworthiness and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I was financially struggling and borrowed money from both XXXX XXXX and XXXX XXXX XXXX XXXX. For some reason my weekly payments were making very little progress and I came to find out the interest rates of both of these loans are extremely high, they are predatory and illegal in the state of Michigan, and XXXX XXXX isnt even licensed to operate in Michigan. I emailed both companies but they both claim no wrong doing and wont cooperate. They prey on struggling individuals to trap them in a never ending debt cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
This is a formal and urgent dispute regarding your unlawful re-reporting of a previously deleted and disputed XXXX my credit report. 

According to your own written response via the CFPB Complaint Portal dated XX/XX/year>, you clearly stated the following : Trade : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 

Despite this confirmed deletion, this account has now reappeared on my Equifax credit report. This is not only a gross errorit is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 611 ( a ) ( 5 ) ( B ) : Furnishers and CRAs must not reinsert previously deleted information unless certified and verified in compliance with the law.

623 : Obligation to ensure maximum possible accuracy.

605B : Blocking of information resulting from identity theft ( if applicable ).

DEMAND FOR IMMEDIATE ACTION : Remove the COMENITYCAPITAL/GAMESTOP account immediately from my credit report.

Provide written confirmation that the account has been permanently deleted and will not reappear.

Disclose the identity of the party or entity responsible for re-reporting the account.

Provide documentation used to verify the accuracy of this reinsertion, as required by FCRA 611 ( a ) ( 5 ) ( B ) ( ii ).

This unauthorized reinsertion is reckless, deceptive, and harmful to my credit profile. If this matter is not resolved within 7 calendar days, I will take further legal action including : Filing a new CFPB complaint Filing a complaint with my states Attorney General Seeking legal representation for damages resulting from willful FCRA violations You have already acknowledged the account should not be on my credit file. There is no excuse for this unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/year> I opened a dispute with my bank due.to fraudulent charges. The account was froze and. I was issued a new card. I received paperwork from the bank to complete regarding dates and times of transactions. I was unable to access the account without proof of identity which was also taken when my card was.. To get a duplicate ID and regain access the the account took approx 5weeks. By the time I submitted the forms they had closed the dispute. I was told to submit the information and the dispute would be reopened or escalated. This was on or about XXXX. On the phone with them regularly and emailing every document they asked for I was assured it was being worked on. On XXXX, I was told the case was never reopened or escalated and I needed to start a new one. Which we did that day on the phone. I again emailed all my supporting documents including the case # from the police department and the detective that was on it. I was in contact with the bank daily to make sure it was being taken care of .. On XXXX I spoke with them again and was told I would have a credit in my account by the end of business that day. On XXXX I contacted them again because the credit was not in my account. At that point I was told the dispute was denied because they needed more information. Being on the phone with them daily no one ever asked for more information. 
By this time the suspect had already been identified and confessed. 
I supplied them with the information they asked for on XXXX, again on XXXX, over the phone and by email. I was told the dispute was escalated and would be resolved within 72 hours. As of XXXX I was told it has not even been assigned to anyone, so it has not been looked at .. We are over 90days with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Let me be clear : this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing serious, ongoing harm to my life. I demand a thorough investigation and prompt correction or removal of these inaccuracies. Resolving this issue is not optionalit is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief