vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marine One Acceptance Corporation
State: VA

Complaint narrative:
Credit bureaus data breach and credit bureaus not properly investigating in a timely manner. Unauthorized charges on credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX  XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXXXXXX XXXX XXXX XXXX | XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following account : XXXX XXXX XXXX XXXXXXXX. This account has led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report confirming these items were reported as fraudulent and are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo
State: LA

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

They are reporting a collection account on my credit report that I have disputed and requested validation for under 15 U.S.C. 1692g ( b ). Despite this, they continue to report the debt without providing any proof that it is valid or that they have the legal right to collect it. 

This conduct violates FDCPA 807 & 809 ( b ) for deceptive and unverified collection activity and FCRA 623 ( b ) for failing to investigate and correct inaccurate reporting. Courts have confirmed that collectors must provide meaningful validation ( Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) ) and can not continue reporting unverified debts ( Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
From XX/XX/year> to the present day Ive been receiving text messages and calls from the various collection agencies throughout different hours of the day. Even wasnt trying to reconcile with them the first time it didnt get anywhere so I had no results, but just to report this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my personal credit report dated XX/XX/year>, I identified the following inquiry that I did not authorize or initiate : XXXX Date of Inquiry : XX/XX/year> This inquiry was not authorized by me in any formwritten, verbal, or electronic. I have never applied for any credit or services with this company. Therefore, I am disputing its validity and requesting its immediate deletion 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion via USPS Certified Mail ( Tracking # XXXX ). This letter included clear documentation to verify my identity and address : a copy of my photo ID, Social Security card, and a recent utility bill. I specifically requested an investigation into inaccuracies on my credit report and corrections to erroneous personal information. 

USPS tracking confirms that TransUnion received this letter on XX/XX/year>. However, on XX/XX/year>, I received a dismissive response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response is both inaccurate and unacceptable. The dispute was submitted directly by me, with complete identity verification and secure delivery. TransUnions refusal to investigate constitutes a clear violation of the Fair Credit Reporting Act, which requires consumer reporting agencies to conduct a reasonable reinvestigation upon receiving a valid dispute. Their failure to act demonstrates willful noncompliance with federal law.

Attached are copies of my original dispute letter, USPS proof of delivery, and TransUnions response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has taken a toll on my mental well-being and emotional health. Supporting documents are included, and I kindly ask for its prompt removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I urgently request the removal of the incorrect late payment from my credit report. My payment history is flawless, and this error has caused unnecessary stress and disruption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request to Update / Change Address on My Credit File Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above. 
Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification ( copy ) Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Remove fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely, ( Signature ) XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request to Update / Change Address on My Credit File Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above. 
Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification ( copy ) Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Remove fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely, ( Signature ) XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX Subject : Formal Notice of FCRA Violations, Data Breach Concerns, and Request for Deletion of Inaccurate Tradelines Dear TransUnion, Under FCRA 611, I am formally disputing the accuracy and validity of the following tradelines currently listed on my file : XXXX  XXXX  ( {$500.00} ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( {$750.00} ) XXXX XXXX XXXX XXXX XXXX  ( {$4500.00} ) XXXX XXXX XXXX XXXX XXXX ( {$8600.00} ) XXXX/Dofed XXXX XXXX  ( {$30000.00} ) XXXX XXXX XXXXXXXX XXXX XXXX ( {$380.00} ) XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX  XXXX XXXX XXXX ( {$2000.00} ) XXXX XXXX  Charged Off ( {$200.00} ) XXXX XXXX XXXX XXXX XXXX / Transferred ( {$0.00} ) XXXX XXXX XXXX XXXX XXXX {$910.00} paid ) These accounts were either re-aged, duplicated, or inaccurately coded in violation of : FCRA 607 ( b ) Maximum accuracy.

FCRA 611 ( a ) Failure to reinvestigate.

FCRA 623 ( a ) ( 1 ) Reporting information known to be inaccurate.

FCRA 605 ( a ) Obsolete data ( 7-year rule ). 
GLBA 6801-6802 Data security failures and unlawful data dissemination.

Additionally, TransUnions prior data breaches ( XXXX and XXXX ) jeopardize the legitimacy of any unverified data on my file. Given these facts, I demand immediate deletion of the above accounts or complete validation proofs within 30 days as mandated by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/year> I received an email from my manufacturer confirming merchandise order. On XX/XX/year> at XXXX I received an email ( seemingly from the manufacturer ) confirming product details and shipping fees. I confirmed the order. On XX/XX/year> at XXXX I received the invoices and new wire transfer information. This was not my manufacturer even though the email address matched. On XX/XX/year> I issued two separate international wire transfers through my bank to the provided beneficiary account. This was over {$6000.00}. My manufacturer did not receive the funds, and after several emails back and forth, the manufacturer found discrepancies in the email address and wire account. The email was a phishing scam. On XX/XX/year> my manufacturer supplied proof of scammer email account nestled in our email thread. Attached are screenshots and documents providing proof of email exchange and wire transfer information.

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