vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-30 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
i asked them to correct personal information that is being displayed on my credit report and sent copy of ID, social security card and bank statement as proof of address on XX/XX/year> and i didnt see anything or hear anything back from them concerning the situation

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 2025-08-30 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
IVE SENT LETTERS TO EQUIFAX, EXPERIAN AND TRANSUNION AN GOT NO RESPONSE ABOUT THE INCORRECT INFORMATION REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
IVE SENT LETTERS TO EQUIFAX, EXPERIAN AND TRANSUNION AN GOT NO RESPONSE ABOUT THE INCORRECT INFORMATION REPORTING ON 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
Consumer complaint received 2025-08-30 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-30 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX, On my Home Depot credit card ( issued by Citibank ) two charges were made for the exact same amount {$1000.00}. This is while I was on vacation in XXXX the card in question was in my possession. Once I returned from vacation, on XX/XX/XXXX, I saw the charges when I downloaded my accounts into XXXX. I immediately filed a dispute claim on both charges and was told to shred the card. ( Which I did ). 
On XX/XX/XXXX I received a letter in my account stating I opened a fraud claim. 
On XX/XX/XXXX I received a letter that my claim was closed. 
Only one of the charges was refunded in the account. I called back again to ask about the 2nd charge and was told that they had to reopen my case. 
I have not received any correspondence that my case was re-opened. I have called multiple times and have been passed to the security department. Which when trying to speak with them, I can not hear them as their microphones are mumbled and can not be heard clearly, I have escalated to supervisors and have been told to FAX in an escalation. 
Since my balance had been {$0.00}, and these are fraudlelent charges, I was told I was not responsible for them nor late fees. I have not paid the bill, Now my my credit line has been reduced, and negative reports are now landing on my credit report ( I check frequently ). Citibank is not resolving 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 monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX class action lawsuit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX 
Therefore, any debt owed before or after this judgment is to be considered resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, my name was placed on a purchase order listing CPS as creditor/lienholder. By CPSs own admission, they were not there at signing, which means they did not provide and can not confirm that required TILA and ECOA disclosures were given. This alone makes the Retail Installment Sales Contract voidable. 

On XX/XX/XXXX, while XXXX XXXX XXXX still had possession of the vehicle, I called CPS to report that the collateralized XXXX XXXX XXXX was defective and that I wanted to cancel the transaction. CPS was made aware but did nothing, instead claiming cancellation could only occur if the dealer agreed. 

On XX/XX/XXXX, I filed a CFPB complaint. CPS responded by sending a copy of the XXXX and instructed me to contact their Dealer Complaint Department. In that same communication, CPS stated that this does not relieve the customer of any contractual obligations agreed to upon signing the contract. This is inaccurate and unlawfulrescission and non-disclosure both relieve the consumer of contractual obligations. 

On XXXX, after contacting their Dealer Complaint Department , I followed CPSs instructions and emailed all requested documentation, including mechanic records showing the vehicle was unsafe at the time of sale. CPS acknowledged receipt but took no immediate action. 

On XX/XX/XXXX, I followed up via phone call. That was the same day CPS received my mailed notice of rescission. I was told that at that point, the case had not yet been assigned for investigation, that CPS was still expecting XXXX payment, that CPS had not contacted XXXX XXXX XXXX to review the evidence, and that I would be expected to pay out of pocket for a diagnostic inspection. This is bad faith delay. 

On XX/XX/XXXX, the XXXX XXXX became undriveable. After sitting overnight, the vehicle immediately showed a check engine light and high temperature warning and began stalling. Had CPS taken prompt action when first notified on XX/XX/XXXX, I would not still be trapped in this unsafe transaction. 

CPS appears as creditor on the purchase order and accepted assignment of the XXXX, which means they are fully liable under the FTC Holder Rule. Their continued demand for payment while ignoring rescission, ignoring XXXX disclosure failures, and delaying investigation is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-30 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing in response to a collection attempt. This letter is a request for validation of the debt.

Specifically, I dispute the amount you are attempting to collect. Based on my records, the balance you claim is inaccurate and does not reflect the correct amount owed. Therefore, I am requesting that you provide proper documentation showing : 1. A full accounting and itemization of the alleged debt, including principal, interest, fees, and any other charges.

2. A copy of the original contract or agreement bearing my signature, establishing the basis of the debt. 
3. The name and address of the original creditor.

4. Proof that your agency is authorized to collect on this account.

Until this information is provided, you must cease all collection activities regarding this account, including reporting to any credit bureaus.

I request that all future communications regarding this matter be made in writing only. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-09-02 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 observed that the incorrect accounts remain on my credit report and were not removed. For this reason, I am requesting that the documents I attached be carefully reviewed so I no longer have to deal with this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate and inconsistent reporting of the above-referenced account by XXXX XXXX XXXX XXXX XXXX XXXX  on my credit reports. 

Upon reviewing my credit files from TransUnion, Experian, and Equifax, I found multiple reporting discrepancies that prove the account is being reported inaccurately and in violation of the FCRAs requirement for accurate and verifiable information. The following issues exist : Different Statuses Reported : TransUnion reports the account as Payment after charge-off/collection and Settled for less than full balance.

Experian reports it as Account legally paid in full for less than the full balance. 

Equifax reports it as Paid charge-off. 

These are conflicting outcomes for the same account. An account can not simultaneously be a charge-off, settled, and paid in full. 

Date Inconsistencies : TransUnion shows the Date of Last Activity as XX/XX/XXXX, with a Date Reported of XX/XX/XXXX. 

Experian reports it as opened on XX/XX/XXXX but last reported XX/XX/XXXX ( a date that has not occurred yet ). 

Equifax shows a Date Reported of XX/XX/XXXX, which is also impossible and inaccurate. 

Balance & High Balance Conflicts : TransUnion reports a high balance of {$1200.00} and a credit limit of {$900.00}. 

Experian and Equifax both report a credit limit of {$900.00} but show a balance of {$0.00}, without reconciling the {$1200.00} figure. 

These inconsistencies across the three major credit bureaus demonstrate that XXXX XXXX and the credit reporting agencies are furnishing unreliable and unverifiable information, which directly violates the FCRA. 

Since the information can not be verified or consistently reported, I am requesting the CFPBs assistance in having this account removed in its entirety from my TransUnion, Experian, and Equifax credit reports. 

I am requesting deletion of this tradeline due to the clear inaccuracies and failure to maintain proper reporting standards.I HAVE INCLUDED THE PROOF DIRECTLY FROM MY CREDIT REPORT ALONG WITH MY ID

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chase Bank regarding their handling of my checking account and the holding of my funds without a valid reason. 
On XX/XX/year>, l opened a checking account and a savings account with Chase Bank and deposited into my saving the full amount of the check from my attorney ( which XXXX was a company check from his escrow account that was attached to chase bank as well ) {$26000.00} from a settlement provided by my attorney. Shortly after, my account was closed due to alleged " suspicious activity. '' However, I have not been provided with a clear explanation or edvidence for this claim. Despite the account closure, Chase Bank is currently holding my funds and refusing to allow me access to my money or to provide any detailed information regarding the situation. I have attempted to resolve this matter directly with the bank, but my inquiries have not yielded satisfactory answers. 
This holding of my funds appears to be unlawful and is causing me significant financial distress. I am requesting your assistance in reviewing this matter and taking appropriate action against Chase Bank for what I believe to be unfair practices. 
Thank you for your attention to this serious issue XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NY

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit. It is my understanding that you will investigate these for me to ensure accuracy.

Here is the item Im asking you to verify as accurate. 

XXXX 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