vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX financed a XXXX XXXX XXXX through XXXX XXXX XXXX. I ( XXXX XXXX XXXX XXXX participated to help the business ; the XXXX registration lists XXXX XXXXXXXX XXXX XXXX as owner and XXXX Bank XXXX as lienholder. In XX/XX/XXXX I received a cure/default notice ; on XX/XX/XXXX the vehicle was repossessed and later sold. On XX/XX/XXXX XXXX sent a deficiency letter ( {$30000.00} remaining ) and stated it would report the account as an unpaid balance reported as a loss ( charge-off ) with continuing updates. 

On my personal credit reports ( most recently XX/XX/XXXX ), XXXX reports the tradeline as Account charged off and simultaneously shows the entire balance as Past Due ( {$29000.00} ) with Responsibility : Co-signer. This presentation makes a closed charge-off appear as a current delinquency. I disputed with Experian, Equifax, and TransUnion around XX/XX/XXXX, and each replied verified. In XX/XX/XXXX I sent a direct dispute to XXXX requesting the signed contract/guaranty establishing my individual liability, the Date of First Delinquency ( DOFD ), and the precise Metro XXXX XXXX furnished. As of today, I have not received substantiating documentation. 

XXXX requesting CFPB assistance to ensure a reasonable investigation, production of documentation establishing any personal liability and required data fields, and correction or deletion of any information that is inaccurate, incomplete, or unverifiable. 

Attach in the CFPB portal : XXXX registration ( XXXX XXXXXXXX XXXX XXXX owner ; XXXXXXXX XXXX XXXXXXXX lienholder ) Cure/default notice ( XX/XX/XXXX ) & XXXX notice ( XX/XX/XXXX ) Deficiency letter ( XXXX XXXX, XXXX ) Credit-report excerpts showing charge-off + past-due and Co-signer Your dispute letters/responses Government-issued ID and bank letter verifying current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Representative,\nI am disputing the account stated above previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify these items. But how is that possible? Under the laws of the FDCPA, I have contacted the creditor myself, and they have failed to properly verify (*pursuant to FDCPA standard/guidelines) that this is indeed accurate.\n\nAccounts in Dispute: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  enclose copies of my requests to the CFPB and the Creditor asking the creditor to validate these items. I was given no validation/verification in accordance with the outline of the FDCPA of my obligation and/or responsibility of these disputed items.\n\nThe Fair Credit Reporting Act requires you to verify the validity of this within 30 days. If the validity cannot be verified, you are obligated by law to remove it from my credit file. I urge you to remove these items before I am forced to take Legal Action.\n\nIn the event you cannot verify these items pursuant to FCRA and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area.\XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: TX

Complaint narrative:
I signed up about a week ago for a secured credit card through US Bank. When i applied i was prompted the application needs further review and someone would reach out to me. No one ever reached out to me to update me about anything so i thought the application just did not get approved. Due to this i applied for a credit line elsewhere and got approved so took that option instead. Today XX/XX/year> when i woke up i noticed that USBank withdrew the {$300.00} that i put for the secured card. I called and spoke to a gentlemen where i requested to just cancel it due to the fact that i obtained a credit line elsewhere. He informed me that he would cancel the application. However, in order to get my funds back they would have the send XXXX XXXX XXXXXXXX ( My checking account ) a letter to accept my deposit bank into my account but was also instructed that it can take up to 90 days depending on XXXX XXXX XXXXXXXX processing time. This is absurd, i shouldnt have to wait up to 90 days to get my deposit. Why not release my funds back the same way you took them. I was then transferred to a manager who was literally no help and just basically said procedure this procedure that. I just feel like this is unacceptable! I shouldnt even have to wait so long to get my money back. I asked if the application was approved and i was told the application is processing. My thing is how are you going to take money out of someones account if the application itself isnt even approved .. How is that possible? She couldnt explain any further and just advised the application was withdrawn. Overall this sounds sketchy and possibly theft ESPECIALLY if the money was taken for an application that wasnt even approved. US Bank should have kept up with the application promptly including reaching out to the customer to say " Hey just a heads up the application is good we are going to be deducting the funds '' and so on. i would have even been okay with an Email update but it seems like thats too much for this little bank. I even asked if i could just get a check mailed but she advised no since the account was never actually opened. im sorry but this is stupid. The account is not opened and yet you decided to take my funds for an UNOPENED ACCOUNT!! Overall US Bank needs to do better and possibly improve policies and procedures. The direction is unclear. They could have kept me updated. at this point my funds are just being held hostage somewhere on US Banks side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
Im disputing certain hard inquiries that have been made on my credit report. These inquiries were made without my permission, and theyre hurting my credit score. I believe these entries are in error and need to be removed. XXXX XXXX XX/XX/year>, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no one should be able to pull my credit report unless they have a valid reason or Ive given permission. These inquiries were not authorized by me, which makes them a violation of the law. As a result, they should be removed from my credit report immediately. Because of the ongoing government shutdown, I am unable to create an Identity Theft report on the FTCs website, which would normally help me report any fraudulent activity. This has left me unable to fully address the situation, but I expect that these inquiries be treated seriously. I ask that the CFPB look into this matter and help me ensure that these unauthorized inquiries are removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
This complaint is not sent in error. I recently reviewed my credit report and found information that is false and not 100 % accurate. These inaccuracies are causing me undue stress and negatively affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I called MOHELA to obtain an application for school misconduct discharge and was denied. On XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a FTC Identity Theft Criminal Complaint from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 object to accounts shown in my credit history that I did not initiate. Kindly perform a comprehensive audit and eliminate these entries. Supporting evidence is included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt in the amount of {$320.00} And {$880.00} account number XXXX And XXXX that you claim I owe. I have no knowledge of this debt and have never had any contract or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide verification of this debt. Please provide the following information : XXXX. The name of the original creditor. XXXX. A full itemization of the debt, including all interest, fees, and charges. XXXX. Documentation showing that I agreed to or am responsible for this debt. XXXX. Proof that you are legally authorized to collect this debt in my state. XXXX. A copy of any judgment ( if applicable ). Until this debt is validated, you must cease all collection activities and stop reporting this debt to any credit reporting agency per federal law. Please also note that any attempt to contact me regarding this matter at my place of employment, by phone, or to any third party, is not permitted. This is a formal dispute of the debt. If you continue to report this account to any credit bureau without validating it, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take appropriate legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TN

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