vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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 reviewed my report today and still have serious concerns of all the inaccuracy that continues to be reporting. I have sent disputes/ asking for validation of the information all XXXX bureaus have been reporting. So, Im coming to you the CFPB for assistance. I have listed below all the inaccurate - inconsistent information with this account. I've asked TRANSUNION-EXPERIAN AND EQUIFAX to do their job but as you see nothing has been done. 

Last Activity shows different on bureaus XX/XX/year>, XX/XX/year>, XX/XX/year>. 
Date of Last Payment is inconsistently reported XX/XX/year> vs XX/XX/year>. 

Payment History Conflicts : TransUnion shows nothing, Experian charge-off then reports XXXX, XXXX, XXXX XXXX late, but Equifax reports XXXX, XXXX late, back to OK status which is misleading. 

Charge-Off Misclassification : Under IRS guidelines XXXX if the creditor charged off this debt and claimed a tax deduction, I should have received a 1099-C form. I have never received one. 
If this debt is resolved or forgiven, continued reporting may violate FCRA 605 ( a ) ( obsolescence rules ) and Fair Debt Collection Practices Act ( FDCPA ). 


Experian shows a {$0.00} credit limit while TransUnion and Equifax report {$1700.00}. 

All agencies report the same balance but different high credits or missing values. 

Then Experian shows account close due to inactivity but TransUnion and Equifax chargeoff. 

I want validation showing this is truly an account with my signature. I want an updated report with this account information removed because Ive never applied with this company before. 

copy of my report is attached with all errors/inconsistency

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 2025-07-01 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 reviewed my report today and still have serious concerns of all the inaccuracy that continues to be reporting. I have sent disputes/ asking for validation of the information all XXXX bureaus have been reporting. So, Im coming to you the CFPB for assistance. I have listed below all the inaccurate - inconsistent information with this account. I've asked TRANSUNION-EXPERIAN AND EQUIFAX to do their job but as you see nothing has been done. 

Last Activity shows different on bureaus XX/XX/year>, XX/XX/year>, XX/XX/year>. 
Date of Last Payment is inconsistently reported XX/XX/year> vs XX/XX/year>. 

Payment History Conflicts : TransUnion shows nothing, Experian charge-off then reports XXXX, XXXX, XXXX XXXX late, but Equifax reports XXXX, XXXX late, back to OK status which is misleading. 

Charge-Off Misclassification : Under IRS guidelines XXXX if the creditor charged off this debt and claimed a tax deduction, I should have received a 1099-C form. I have never received one. 
If this debt is resolved or forgiven, continued reporting may violate FCRA 605 ( a ) ( obsolescence rules ) and Fair Debt Collection Practices Act ( FDCPA ). 


Experian shows a {$0.00} credit limit while TransUnion and Equifax report {$1700.00}. 

All agencies report the same balance but different high credits or missing values. 

Then Experian shows account close due to inactivity but TransUnion and Equifax chargeoff. 

I want validation showing this is truly an account with my signature. I want an updated report with this account information removed because Ive never applied with this company before. 

copy of my report is attached with all errors/inconsistency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>XXXX  Balance : {$310.00}

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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint to dispute two charge-off accounts currently appearing on my TransUnion credit report. These entries are inaccurate, misleading, and unverifiable, and they should not remain on my credit file in their current form. The first account is listed as XXXX  XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/XXXX, and a balance of {$1000.00}. The second account is XXXX XXXX, account number ending in XXXX, with a reported charge-off date of XX/XX/XXXX, and a balance of {$0.00}. 

The XXXX XXXX account has not been substantiated with any documentation from the original creditor or TransUnion. I have not received billing history, proof of charge-off classification, or an accurate accounting of how the balance was calculated. Without verifiable proof that this charge-off is accurate and lawfully attributed to me, its continued presence is a violation of the Fair Credit Reporting Act. As for the XXXX XXXX XXXX XXXX account, a charge-off listing that shows a balance of {$0.00} is both contradictory and legally baseless. If the balance is zero, then there is no justifiable reason for the account to carry a derogatory status, especially one as severe as a charge-off. 

I take my credit file seriously and actively monitor it for errors. These types of inaccuracies undermine my financial standing and creditworthiness. TransUnion is required by 15 U.S.C. 1681e ( b ) of the FCRA to ensure maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681i obligates them to conduct a reasonable reinvestigation of disputed information and delete any item that can not be verified or substantiated.

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 2025-07-01 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to make it unequivocally clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the legal standard of maximum possible accuracy. These inaccuracies are causing ongoing and significant harm to my financial stability and personal well-being. 
This situation is placing an unfair and undue burden on me during an already challenging time.

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 2025-07-01 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: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-01 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: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was profiled by a foreign customer service fraud worker claiming I wasnt the one that opened the card so they froze it after I made my first balance payment. I was a rental location trying to get a car but wasnt allowed to because of fraud verification which I already did several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the collection account you have reported under my name, associated with XXXX XXXX XXXXXXXX, and listed under account number XXXX. The account, originally opened on XX/XX/XXXX, and now marked as closed on XX/XX/XXXX, shows a reported balance of {$440.00}, which I do not acknowledge or recognize. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation and proof of this debt. I am formally requesting that you provide the following : A copy of the original signed agreement or contract between myself and your company or the original creditor, establishing that I am legally obligated to pay this alleged debt. 

Proof that your agency has legal ownership or assignment of this debt and the authority to collect or report it. 

A complete and itemized statement of the charges and payments that make up the {$440.00} balance being reported. 

Documentation that confirms the reporting and collection activity are in full compliance with the FCRA, including the accurate date of delinquency, any communication sent to me, and my rights to dispute. 

I have not entered into any contract or agreement with your agency, nor have I received any verifiable documentation to substantiate your claim. Until you provide full validation, this account must be immediately removed from all credit reports to prevent further damage to my financial reputation. 

Reporting a debt without providing proper validation or accurate documentation is a direct violation of the FCRA and FDCPA, and I will not hesitate to pursue legal action if this matter is not resolved within the time required by law. I am documenting all communications related to this dispute and intend to fully assert my rights if necessary. 

I expect your complete response within the 30-day timeframe, as required under federal law. If you can not fully validate this debt with the documents listed above, you must cease all collection activity and have the item removed from any and all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the collection account you have reported under my name, associated with XXXX XXXX XXXXXXXX, and listed under account number XXXX. The account, originally opened on XX/XX/XXXX, and now marked as closed on XX/XX/XXXX, shows a reported balance of {$440.00}, which I do not acknowledge or recognize. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation and proof of this debt. I am formally requesting that you provide the following : A copy of the original signed agreement or contract between myself and your company or the original creditor, establishing that I am legally obligated to pay this alleged debt. 

Proof that your agency has legal ownership or assignment of this debt and the authority to collect or report it. 

A complete and itemized statement of the charges and payments that make up the {$440.00} balance being reported. 

Documentation that confirms the reporting and collection activity are in full compliance with the FCRA, including the accurate date of delinquency, any communication sent to me, and my rights to dispute. 

I have not entered into any contract or agreement with your agency, nor have I received any verifiable documentation to substantiate your claim. Until you provide full validation, this account must be immediately removed from all credit reports to prevent further damage to my financial reputation. 

Reporting a debt without providing proper validation or accurate documentation is a direct violation of the FCRA and FDCPA, and I will not hesitate to pursue legal action if this matter is not resolved within the time required by law. I am documenting all communications related to this dispute and intend to fully assert my rights if necessary. 

I expect your complete response within the 30-day timeframe, as required under federal law. If you can not fully validate this debt with the documents listed above, you must cease all collection activity and have the item removed from any and all consumer reporting agencies 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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Zelle didn't have a warning prior to the transfer and I lost my the money to yje wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation