vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-20 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CREDITOR : XXXX XXXX XXXX XXXX DATE FRAUD BEGAN : XX/XX/year>2024 FRAUDULENT CHARGES : {$640.00}. 

CREDITOR : XXXX XXXX DATE FRAUD BEGAN : XX/XX/year>2024 FRAUDULENT CHARGES : {$500.00}

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 2025-06-20 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: GA

Complaint narrative:
CREDITOR : XXXX XXXX XXXX XXXX DATE FRAUD BEGAN : XX/XX/year>2024 FRAUDULENT CHARGES : {$640.00}. 

CREDITOR : XXXX XXXX DATE FRAUD BEGAN : XX/XX/year>2024 FRAUDULENT CHARGES : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the validity of an account reported by XXXX XXXX XXXX, which appears on my credit report. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$670.00} I do not acknowledge ownership of this account and request proof of my responsibility for this alleged debt. XXXX XXXX XXXX is not the original creditor. Therefore, I am demanding that you obtain and provide the following from the data furnisher : XXXX. A legally binding contract showing my full name and wet signature, not a digital one. 


XXXX. Proof that XXXX XXXX XXXX owns this debt, including a chain of assignment from the original creditor.

3. Documentation of all transactions and payments, proving my direct engagement with the account.

4. A statement balance is not proof of ownership and does not meet the legal standard of verification under federal law.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not report data they know or reasonably should know is inaccurate. If XXXX XXXX can not provide sufficient documentation to prove this debt is lawfully mine, the account must be deleted immediately from all consumer reporting records. 

Please confirm in writing the outcome of your reinvestigation within the required 30 days and provide me with an updated copy of my credit report reflecting the corrected information. 

Enclosed you will find : A copy of my valid government-issued ID Proof of my current address from my bank statement Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint to dispute an inaccurate collection account being reported on my credit profile related to an alleged eviction. The information being furnished is incorrect and is negatively impacting my creditworthiness.

The information being reported is either partially or entirely inaccurate. Specifically : * I was not evicted from the property in question.

* I was not properly notified about this debt.

* The balance reported is incorrect.

* The account lacks supporting documentation validating the debt.

* The account may be a result of mistaken identity or outdated information. 
I have already attempted to resolve this issue directly with the reporting collection agency and/or credit bureaus, but my concerns have not been addressed satisfactorily. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) require that only accurate, complete, and verifiable information be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AL

Complaint narrative:
Equifax Violating FCRA by Reporting Unverified, Inaccurate Charge-Offs Without Proof or Permissible Purpose What happened : Equifax is reporting several charge-offs and negative accounts on my credit file that are either inaccurate, unverifiable, or outdated. I have formally disputed these items and requested a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). However, Equifax failed to respond appropriately, violated multiple FCRA sections, and continues to report these items without providing proof or proper documentation. 

The accounts in question include : XXXX XXXX XXXX  Charge-off with a {$28000.00} balance, tied to a dismissed bankruptcy. 

XXXX XXXX XXXX  XXXX XXXX XXXX charge-off of {$190.00}, still reported derogatory. 

XXXX XXXX XXXX XXXX  XXXX payment history with Pays As Agreed status ; inconsistent and misleading. 

XXXX XXXX XXXX account with delinquencies from as far back as XXXX, possibly beyond the legal reporting limit. 

I demanded that Equifax provide the method of verification, including : Who they contacted to verify each item How they contacted them ( phone, letter, electronic system ) What documents were used to confirm the information Where my written consent was obtained to report these accounts at all Equifax failed to supply any of this and simply marked the items as verified. That is not a lawful investigation. This is a violation of : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation FCRA 1681b No evidence of permissible purpose or consent to report FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to disclose the method of verification upon request These items continue to damage my creditworthiness, delay financial opportunities, and were not verified with any legal evidence. I am demanding that Equifax stop the blanket use of verified without proof, and either correct or remove these negative items immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the following account listed on my credit report, as I have no knowledge of its origin or approval. 

Creditor Name XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$390.00} Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of this account. I do not recognize this account and do not have a contractual or financial relationship with XXXX XXXX regarding this matter. 

You are required by law to verify the accuracy and validity of this account by obtaining all supporting documentation from the data furnisher. This includes : A copy of the original signed application Any account statements showing usage Any proof of payment history If the creditor can not provide verifiable proof that this account belongs to me, you are required under the law to remove it from my report immediately. 

Please complete your reinvestigation within the required XXXX period and provide written confirmation of the outcome, including an updated credit report reflecting any necessary changes. 

Attached you will find : A copy of my valid photo ID XXXX of current address from a bank statement

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 2025-06-20 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: FL

Complaint narrative:
Im writing to formally dispute wrong and damaging information that is currently being reported on my credit file. This isnt a casual errorits false, its affecting my life, and it needs to be corrected immediately.

Let me be clear : Ive reviewed my credit report carefully, and there are entries listed under my name that are either completely inaccurate, outdated, or flat-out not mine. These items are dragging down my credit score, interfering with financial opportunities, and putting me in the position of having to defend myself against mistakes I didnt make.

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 2025-06-20 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: FL

Complaint narrative:
Im writing to formally dispute wrong and damaging information that is currently being reported on my credit file. This isnt a casual errorits false, its affecting my life, and it needs to be corrected immediately.

Let me be clear : Ive reviewed my credit report carefully, and there are entries listed under my name that are either completely inaccurate, outdated, or flat-out not mine. These items are dragging down my credit score, interfering with financial opportunities, and putting me in the position of having to defend myself against mistakes I didnt make.

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 2025-06-20 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a responsible and long-standing American Express customer with multiple accounts, including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Without any warning or communication, all XXXX of my accounts were suddenly and simultaneously closed. I was not informed by email, phone, mail, or app notification. I only discovered the closures when I was unable to log into my account. 

I had not engaged in any suspicious or unusual activity, and in fact, had barely used my cards in recent months. My accounts were in good standing. At the time of closure, I had significant balances of reward points, including approximately XXXX Membership Rewards points, as well as Hilton and XXXX points. 

I contacted customer service multiple times to understand what happened. Each time, I was told that my accounts were closed and that they could not help. No one could provide a reason, appeal process, or path to resolution. I was treated as if I had done something wrong, without ever being told what that was. 

I am deeply shocked and disappointed by this treatment, especially given my loyalty to the brand and responsible account management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief