vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
This that was deleted when was resubmitted back on my credit report I want this credit collection to be " Cease in Desist '' off my credit report, so I can open my company, it's keeping me from using my credit to help me elevate and achieve my business goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Company : Harris & Harris Ltd Type of issue : Debt collection Attempted to collect debt not owed or Incorrect information on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ). TransUnion is continuing to report derogatory information for an auto loan account from XXXX XXXX XXXX ( opened XX/XX/XXXX ) that is past the XXXX reporting limit. 

The payment history shows late payments and derogatory marks beginning in XXXX, which means the Date of First Delinquency ( DOFD ) occurred more than XXXX years ago. Under FCRA 605 ( a ) ( 4 ) & ( 5 ) ( 15 U.S.C. 1681c ), consumer reporting agencies are prohibited from reporting any adverse information that is more than XXXX years old. This includes late payments, charge-offs, and collection statuses. 

Despite this federal limitation, TransUnion continues to display derogatory payment history on this account and is still reporting the account as updated as of XX/XX/XXXX, which is causing ongoing damage to my credit profile. 

I have disputed this information with TransUnion, but they have failed to remove the obsolete data. I request that the CFPB investigate and require TransUnion to : XXXX. Delete all derogatory information older than XXXX years, XXXX. Correct my credit file, and XXXX. Provide written confirmation of compliance with FCRA. 

I am able to provide any supporting documentation needed, including screenshots, dispute confirmations, and full reports. 

Thank you for your assistance in resolving this matter.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX  appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-19 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX Balance : {$14000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX Balance : {$44000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX  Balance : {$8800.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX Balance : {$57000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX  Balance : {$29000.00} - Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$46000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I scheduled a {$2400.00} payment on my XXXX  card. XXXX  acknowledged successful processing of said payment on XX/XX/year> ( Enclosure XXXX ). The payment account likewise shows a successful withdrawal by XXXX on XX/XX/XXXX ( Enclosure XXXX ). This screenshot taken on XX/XX/year> ( XXXX XXXX ) shows no further activity which means as the institution of this payment account is concerned, these funds were withdrawn ; there were no process issues. 

However, XXXX is behaving as though the transaction did not succeed -- it did not credit my account, and it charged a {$29.00} returned payment fee ( Enclosure XXXX, XXXX ). Additionally, I have sent my military orders to apply XXXX provisions, but XXXX has not processed these ( Enclosure XXXX ). 

I tried to address these issues via chat, but the website logs me off every time I click on " Chat with us. '' It is not practical to make phone calls given my mobilized status ( in XXXX XXXX on federal orders ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX placed multiple unauthorized hard inquiries on my TransUnion credit report on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I did NOT apply for credit with XXXX XXXX on any of these dates, nor did I authorize these pulls. 

Under FCRA 604 ( a ) ( 2 ), a hard inquiry requires written consumer authorization. XXXX XXXX does not have any signed application or permissible purpose. 

This violates : FCRA 604 Permissible Purpose FCRA 607 Reasonable Procedures FCRA 616/617 Civil Liability I want all unauthorized inquiries removed from my TransUnion credit report immediately

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 2025-11-19 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
On XX/XX/year>, my XXXX XXXX XXXX  brokerage account suddenly showed a negative balance of - {$820.00} even though the app and website never once displayed a negative or low balance it always showed a positive balance over {$500.00} with no warnings. Because the platform displayed sufficient funds at the time of every purchase, I spent money I reasonably believed was available. 
I called to dispute this obvious error and eventually spoke with supervisor XXXX XXXX. She refused to file my dispute, refused to release any of my {$610.00} in separate, positive checking funds, denied me access to a higher supervisor, refused to give her agent ID, and hung up on me. I am certain she never submitted my dispute. 
This freeze has left me unable to buy food or pay essential bills until my next paycheck, causing severe hardship. 
This violates XXXX XXXX ( XXXX CFR XXXX ). I request : XXXX. Immediate release of my {$610.00} checking balance XXXX. Full reversal of the - {$820.00} overdraft and all fees XXXX. Proper Reg XXXX investigation with provisional credit XXXX. Compensation for resulting damages Screenshots proving the positive balance of checking account are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am formally disputing inaccurate and unverified information that is being reported on my credit file. The information in question does not reflect my actual payment history and has not been properly verified by the furnisher. I am requesting a full investigation under the FCRA. 

Please review the dates, reporting details, and actions taken. The information appears incorrect and incomplete, and I have taken steps to resolve it directly, but the issue remains unresolved. I am therefore requesting that the inaccurate and unverified information be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.

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 2025-11-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
Fraudulent accounts were opened in my name without my authorization. These include multiple loans and credit cards, showing late payments, past-due balances, and charge-offs. I did not open or use these accounts. I contacted the credit reporting agencies to dispute these accounts and requested investigations to remove inaccurate information. The fraudulent activity has caused financial stress and potential harm to my credit. I am seeking assistance to correct my credit reports and prevent further unauthorized use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Majority USA, LLC
State: TX

Complaint narrative:
In early XXXX, I had an account with MAJORITY. I deposited cash into the account several times, totaling around $ XXXX and i got from my brother by cash. Later, the company asked me to provide a source of funds for my cash deposits. I was unable to provide the documents they requested, and shortly after that, the company closed my account without giving me a full explanation. I had $ XXXX in my account when they closed my account. When I try to access the MAJORITY app, it only shows that my account is locked. I have not received any instructions on how to claim or withdraw my remaining balance that was still in the account at the time of closure. I contacted the company but did not receive any clear information or a process to get my money back.

Company response to consumer: Closed with explanation