vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, a third-party debt collector, for knowingly violating multiple federal consumer protection laws by reporting inaccurate, unverifiable, and unlawfully re-aged debt on my credit report, originally from XXXX XXXX XXXX 

Violations Identified : Failure to Validate the Debt ( 15 U.S.C. 1692g ) I have never received a written notice or validation of this debt from XXXX XXXX XXXX within the required 5-day period following their first contact, nor have they provided any verification upon request. 

Unlawful Credit Reporting Without Validation ( FDCPA 809 ( b ) ) XXXX XXXX XXXX has reported this account to TransUnion without providing legal validation. This is a direct violation of FDCPA and a deceptive and misleading practice under 15 U.S.C. 1692e.

Re-Aging of the Debt ( FCRA 605 ( c ) ) The account is falsely reported as " XXXX  '' in XX/XX/year>, which is clearly an attempt to re-age the debt and extend its time on my credit report. This is a serious violation of federal law and amounts to willful misrepresentation. 

Incomplete and Duplicated Data Reporting ( FCRA 607 ( b ) ) The account lacks essential information, including a proper closed date, and contains duplicate remarks ( " XXXX XXXX XXXX '' is listed twice ). This violates the FCRAs requirement that all reported data be complete and accurate. 

Damaging My Consumer Credit Profile Without Just Cause This reporting is damaging my ability to secure credit, housing, and employment. The account is not legally verified, not properly documented, and should not be reported.

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 2025-08-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

I previously submitted a complaint to the CFPB on XX/XX/2025 ( Reference ID : XXXX ) regarding a disputed account from XXXX XXXX XXXX . Equifax responded with two nearly identical stall letters dated XX/XX/2025 and XX/XX/2025, both dismissing my dispute as frivolous without conducting a proper reinvestigation. 

These letters completely ignored newly submitted evidence, including : A certified legal demand letter A deletion letter from XXXX referencing File # XXXX, which confirms that the same XXXX account was removed from my XXXX credit file due to inaccuracies Equifaxs refusal to acknowledge this new documentation and their repeated use of copy-paste denial language demonstrates a willful violation of FCRA 1681i and a complete failure to perform a meaningful reinvestigation as required by law. 

I am now preparing to pursue legal action against Equifax for their failure to reinvestigate, their refusal to correct known inaccuracies and their continued reporting of disputed information. I reserve all rights to sue for all violations of the FCRA and any other applicable federal or state consumer protection laws. 

I have attached both Equifax stall letters, the XXXX  deletion letter ( File # XXXX ), the certified mail receipt for my legal demand, and the demand letter itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 disputing a loan that was fraudulently opened in my name. I did not authorize or apply for this account, and I am a victim of identity theft. I am not responsible for any charges or activity related to this loan. Please investigate this matter and remove the fraudulent account from my credit report as soon as possible.

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 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
Summary of Complaint : On XX/XX/XXXX, I initiated a USD wire transfer from my HSBC USA account to a multi-currency account at XXXX XXXX. Despite clearly intending to send funds in USD, HSBC 's online platform automatically converted the amount to XXXX without a clear prompt or confirmation. I did not request this conversion. 

I contacted HSBC immediately on XX/XX/XXXX, via chat support to unwind or reverse the conversion. HSBC refused to assist, offered no meaningful solution, and instead encouraged me to convert the funds back through their system a move that would have resulted in double profit for HSBC. 

I filed a formal complaint on XX/XX/XXXX ( ID : XXXX ), but was told during a follow-up chat on XX/XX/XXXX, that the complaint was for " internal purposes. '' I then re-submitted the complaint via email the same day. Despite multiple follow-ups, HSBC claimed in XX/XX/XXXX to have sent a closure letter in XX/XX/XXXX a letter I never received. Their eventual XX/XX/XXXX response was terse and dismissive. 

I submitted a detailed complaint again on XX/XX/XXXX, outlining all failures. On XX/XX/XXXX, HSBC responded repeating its prior position and declining compensation. Their reply failed to address : The lack of clear consent to convert USD to XXXX The misleading platform design Their refusal to assist or credit the FX margin loss when promptly contacted Procedural failures in complaint handling, including misclassification and delays HSBCs claim that the transfer was executed exactly as instructed is inaccurate. I never instructed a conversion to XXXX. Their interface defaulted to an unsupported currency ( XXXX ) without confirmation, creating a foreseeable consumer trap. 

Relief Requested : Full reimbursement of my USD XXXX loss Formal review of HSBCs transfer platform design and complaint process Regulatory investigation into HSBCs handling of currency conversions and complaint mismanagement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MA

Complaint narrative:
Dear CFPB ; Credit Bureaus : In 2023, XXXXXXXX XXXX XXXX pursued a debt that was subject to a legal proceeding. The case was fully dismissed by the court and the judge, meaning there is no enforceable debt obligation. Despite this, XXXX continues to report the account on my credit report as a charged-off debt. This violates FCRA 623 ( a ) ( 1 ), which prohibits the reporting of information known to be inaccurate. It also violates FCRA 611, as they failed to properly investigate my dispute when I challenged the reporting with the credit bureaus. Additionally, XXXX has not provided any original documentation validating the debt under FDCPA 809, nor have they corrected their Metro 2 reporting, which remains inconsistent and noncompliant. This inaccurate and unverifiable information has remained on my credit report for over a year following the legal dismissal, harming my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear CFPB ; Credit Bureaus : In 2023, XXXX XXXX XXXX  pursued a debt that was subject to a legal proceeding. The case was fully dismissed by the court and the judge, meaning there is no enforceable debt obligation. Despite this, XXXX continues to report the account on my credit report as a charged-off debt. This violates FCRA 623 ( a ) ( 1 ), which prohibits the reporting of information known to be inaccurate. It also violates FCRA 611, as they failed to properly investigate my dispute when I challenged the reporting with the credit bureaus. Additionally, XXXX has not provided any original documentation validating the debt under FDCPA 809, nor have they corrected their Metro 2 reporting, which remains inconsistent and noncompliant. This inaccurate and unverifiable information has remained on my credit report for over a year following the legal dismissal, harming my credit standing and financial opportunities.

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 2025-08-07 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party company or agency. Please see my attached documentation as it contains my full complaint and request.

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 2025-08-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent item ( s ) on my credit report : - Creditor  Name-XXXX  XXXX  - Account Number : XXXX - Date Opened : XXXX XXXX  XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. Enclosed with this letter, I am providing the required documentation : XXXX. A copy of my government-issued photo ID ( proof of identity ). XXXX. A copy of a recent utility bill or bank statement ( proof of address ). XXXX. A copy of my police report or FTC Identity Theft Report. XXXX. A signed statement declaring that I did not initiate or authorize the listed transaction ( XXXX ) and that they are the result of identity theft. Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. If you need additional information, feel free to contact me at the number or email above. Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

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 2025-08-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent item ( s ) on my credit report : - Creditor  Name-XXXX  XXXX  - Account Number : XXXX - Date Opened : XXXX XXXX  XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. Enclosed with this letter, I am providing the required documentation : XXXX. A copy of my government-issued photo ID ( proof of identity ). XXXX. A copy of a recent utility bill or bank statement ( proof of address ). XXXX. A copy of my police report or FTC Identity Theft Report. XXXX. A signed statement declaring that I did not initiate or authorize the listed transaction ( XXXX ) and that they are the result of identity theft. Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. If you need additional information, feel free to contact me at the number or email above. Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am submitting a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no XXXX  Form XXXX has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to XXXX  regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form XXXX to both the consumer and the XXXX. 
Please remove the following Chargeoff Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2025-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AR

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information listed on my credit report. My personal information was compromised in a recent data breach, and as a result, several items have appeared on my credit report that I did not open and did not authorize. In accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they report, I request immediate investigation and removal of the following entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/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
Consumer complaint received 2025-08-07 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: AR

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information listed on my credit report. My personal information was compromised in a recent data breach, and as a result, several items have appeared on my credit report that I did not open and did not authorize. In accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they report, I request immediate investigation and removal of the following entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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