vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate information on my consumer report in violation of the Fair Credit Reporting Act and Metro 2 reporting standards. The account in question is being reported incorrectly, and the current status, terminology, and data fields do not meet the required Metro 2 formatting and accuracy guidelines.

I previously disputed this information, and TransUnion failed to properly investigate and correct the inaccurate data as required under FCRA 602, 607 ( b ), and 611. The information furnished does not match my records and is not being reported consistently across all CRAs. This raises concerns about compliance with Metro 2 fields including the Account Status, Current Balance, Date of First Delinquency ( DOFD ), and Payment Rating.

Because this inaccurate data is negatively affecting my creditworthiness, I am requesting the CFPB to require TransUnion to conduct a full reinvestigation, obtain proper verification from the furnisher, and correct or delete all data that can not be verified according to FCRA and Metro 2 guidelines.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am writing in response to your claim that I owe a debt to your company. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically 15 U.S.C 1692g, which grants me the right to request full validation of any alleged debt, and 1692c which governs how and when you may communicate with me. At this time, I dispute the validity and accuracy of this alleged debt. As required by law, please provide : 1. Verification of the alleged debt, including the original creditors name, account number, and the amount allegedly owed.

2. Documentation proving your legal right to collect, including a copy of the assignment, purchase agreement, or contract that gra
nts your agency the authority to collect this account.

3. Complete payment history from the original creditor, showing how the amount you claim was calculated.

4. Copy of original contract signed by me. 

I have not entered into any agreement with your agency, nor have I acknowledged or authorized you to collect any debt on my behalf. 
Until you provide the above information, you must immediately cease all collection activity, including phone calls, letters, and reporting to the credit bureaus. Reporting unverifiable information is a direct violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not validate this debt, you must : Cease all collection activity, and Remove any negative information you have placed on my credit reports regarding this account. 
I expect your response within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccuracies and inconsistencies across Equifax, Experian, and TransUnion that have materially harmed my creditworthiness and appear to violate federal law ; addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX appear only in Experian while XXXX XXXX, XXXX XXXX, XXXX XXXX appear only in TransUnion, creating contradictory reporting that violates FCRA 623 ( a ) ( 2 ) ( duty to correct and update ) and 623 ( b ) ( furnishers duty to investigate ), and accounts such as SXXXX XXXX XXXX XXXX XXXX are reported with conflicting dates of last activity and dates reported across Equifax and TransUnion, violating FCRA 605 ( a ) ( obsolete information ), 623 ( a ) ( 1 ) ( A ) ( accurate reporting ), and 623 ( a ) ( 5 ) ( accurate DOFD reporting ) ; additionally, XXXX XXXX XXXX XXXX XXXX is reported in TransUnion but missing in Experian and Equifax, creating an incomplete and misleading credit history and potentially violating FDCPA 807, 808, 809 regarding false, unfair, and unvalidated debt practices ; further, multiple inquiries and reporting from XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  appear inconsistently across the three bureaus, violating FCRA 604 ( a ), 605 ( a ), 611 due to unauthorized or outdated hard pulls ; collectively, these issues show that furnishers and credit bureaus are not fulfilling their legal obligations to report accurate, complete, and verified information, leaving me with a credit file that is fragmented, misleading, and in violation of both FCRA and FDCPA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccuracies and inconsistencies across Equifax, Experian, and TransUnion that have materially harmed my creditworthiness and appear to violate federal law ; addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX appear only in Experian while XXXX XXXX, XXXX XXXX, XXXX XXXX appear only in TransUnion, creating contradictory reporting that violates FCRA 623 ( a ) ( 2 ) ( duty to correct and update ) and 623 ( b ) ( furnishers duty to investigate ), and accounts such as SXXXX XXXX XXXX XXXX XXXX are reported with conflicting dates of last activity and dates reported across Equifax and TransUnion, violating FCRA 605 ( a ) ( obsolete information ), 623 ( a ) ( 1 ) ( A ) ( accurate reporting ), and 623 ( a ) ( 5 ) ( accurate DOFD reporting ) ; additionally, XXXX XXXX XXXX XXXX XXXX is reported in TransUnion but missing in Experian and Equifax, creating an incomplete and misleading credit history and potentially violating FDCPA 807, 808, 809 regarding false, unfair, and unvalidated debt practices ; further, multiple inquiries and reporting from XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  appear inconsistently across the three bureaus, violating FCRA 604 ( a ), 605 ( a ), 611 due to unauthorized or outdated hard pulls ; collectively, these issues show that furnishers and credit bureaus are not fulfilling their legal obligations to report accurate, complete, and verified information, leaving me with a credit file that is fragmented, misleading, and in violation of both FCRA and FDCPA requirements.

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 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have been dealing ID theft and I have made a police report ( XX/XX/XXXX ) put a fraud alert on my credit file in XX/XX/XXXX, I had been in contact with Kohls due to fraud on the account, my address, phone number, and emails kept getting changed. we placed a password on the account ( XX/XX/XXXX ) so I would have to call up the fraud department, tell them my passcode, they unlock my card, et them I could make a purchase. In XXXX of XXXX, I noticed I hadnt received my new credit card so I called the kohls credit card department and asked why I hadnt received my new card. Everything again in my account had been changed. At this time the man allowed me to change everything on my account without asking for my passcode. When I asked him why he hadnt asked for it, he told me that everything was verified through the phone prior to me talking to him. I informed him that I was dealing w ID theft and the passcode was because they had everything to verify online, he then sent me to the fraud department because more charges were on my account. I ordered another card and again never received it. I called back up to kohls and once again my information was changed. The lady again never asked for my passcode until I mentioned it to her. We once again changed everything to my correct information. The next thing I know Im being told that I owe {$5500.00} on my account. Ive filed several complaints with them with fraud et they decided it wasnt fraud. When I called them again, once again my information was changed to somewhere else. I got notified by XXXX XX/XX/XXXX that they sent it to a collection agency. I called the collection agency et they informed me of why kohls said it was fraud. I guess in late XXXX, a guy was placed on my kohls account as an authorized user. This was verified by an email that i said it was ok and a card had been sent to him. I was unaware of any of this information until just recently. I never authorized anyone an user on my account, nor got statements of this, nor did kohls make me aware of it. They refuse to take it off my credit. I did everything I was told to do by kohls fraud department to stop someone from getting into my account. Due to kohls employees negligence of not asking my passcode, someone was able to get into my account and run my card up. I am suffering from the consequences of it. Kohls should have all phone recordings to verify that I called several times and the recordings of the other person. I guarantee you they are not the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: VA

Complaint narrative:
I am submitting this complaint requesting the Consumer Financial Protection Bureaus assistance regarding inaccurate student loan information currently appearing on my credit report. Earlier this year, a data breach occurred involving my student loan servicer ( details below ). As a result of this breach, my personally identifiable information and account data were compromised.

Since the breach, the student loan tradelines reported by Edfinancial Services to the credit bureaus appear to be inaccurate, incomplete, or unverifiable. I have reason to believe these accounts are being reported improperly due to compromised data and are causing unwarranted harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I pulled my credit information and observed an account that does not belong to me. I requested more information about this account and did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was charged an illegal restocking fee and additional late fees for a refrigerator return that was never disclosed to me. XXXX failed to deliver the original refrigerator I purchased online for {$2500.00} and admitted it was out of stock. They pressured me to immediately buy a different model in store. The replacement refrigerator did not fit my kitchen, so I returned it in factory-sealed, never-opened packaging using XXXX own transport. 

At no point did XXXX inform me of any restocking fee. This fee was hidden from me and never disclosed verbally, in writing, or during the return. Synchrony Bank then added a restocking fee and additional fees that are not valid. I opened 5 disputes with Synchrony Bank, but the bank refused to provide proof of any restocking-fee policy, refused to provide documentation supporting the charges, and did not resolve the dispute.

Under the Fair Credit Billing Act ( FCBA ), I requested verification and documentation of the charges. Synchrony did not provide it. The current balance reflects only a disputed restocking fee and penalty fees. This is not a legitimate debt. XXXX used deceptive, unfair business practices, and Synchrony continued to report inaccurate information without proper investigation or validation.

I am requesting that the inaccurate balance and all late payments be removed because the charges are invalid, were never disclosed, and were not supported with documentation when requested.

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 2025-11-24 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:
On XX/XX/year>, TransUnion 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 TransUnion credit report. I do not authorize TransUnion 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 TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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 2025-11-24 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:
On XX/XX/year>, TransUnion 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 TransUnion credit report. I do not authorize TransUnion 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 TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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 2025-11-24 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: NJ

Complaint narrative:
Timeline of Events XXXX Misrepresentation Issue Your Name : XXXX XXXX XXXX Account Ending : XXXX XX/XX/year> Initial Call With XXXX ( XXXX XXXX EST ) Told I was 21 days late. 

Told business credit reports differently than personal credit. 

Told my personal credit would NOT be affected if I entered a payment plan before 60 days late. 

Informed that the XXXX late date was XX/XX/year>. 

Late XX/XX/year> Second XXXX Representative Told again that entering an arrangement would result in credit reporting as paid as agreed. 

Told that no derogatory information would appear. 

XX/XX/year> Entered Payment Arrangement ( XXXX XXXX EST ) Entered agreement with XXXX XXXX XXXX ( XXXX ) after XXXX referral. 

XXXX taken 11 days before the XXXX late threshold. 

XX/XX/year> Discovered XXXX XXXX Damage All bureaus reported derogatory information. 

Credit score dropped over XXXX points. 

Fell below minimum mortgage score of XXXX. 

Current Impact At risk of losing a new home under contract and currently being built. 

Mortgage qualification jeopardized.

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 2025-11-24 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: Opportunity Fund
State: CA

Complaint narrative:
I previously submitted a written dispute to OPPORTUNITY FUND dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), OPPORTUNITY FUND has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since OPPORTUNITY FUND did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure OPPORTUNITY FUNDs immediate compliance with FCRA requirements. 

OPPORTUNITY FUND XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : ( XXXX  XXXX ) ( Account Number : XXXX ) Please investigate and provide proof with statements showing these payments were late.If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thank you!

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 2025-11-24 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 Balance Owed : {$620.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 Balance Owed : {$620.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}

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