vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
I am extremely frustrated this morning to see that unauthorized inquiries are still on my credit report, and I do not understand why. They did not disappear when I refreshed the page, and I need the documents I submitted to be reviewed carefully so I can finally stop worrying about this.

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 2025-10-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$12.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$15.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$6.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance {$99.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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:
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 : XXXX # XXXX * * * * * * * * * Date Opened XX/XX/year> - Balance {$1200.00} XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> - Balance {$2500.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> - Balance {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc.
State: SC

Complaint narrative:
The issue : Unable to use my allotted XXXXXXXX XXXX balance, credit card, or debit card on in-app/game purchases. I have tried to resolve this issue with the company through numerous support claims only to be met with XX/XX/year> hour wait times, being told the issue is resolved, and being thrown into an endless loop where nothing gets resolved. A CFPB XXXX complaint has already been submitted, * Case ID [ XXXXXXXX XXXX XXXX This is the case provided to me due to my filed complaints. As per their emails, the issue should have been resolved yesterday, and still nothing is resolved. I have also yet to receive a response. 

* Additional Information : * XXXX image ( CASE ID : XXXX from XXXX XXXXXX/XX/XXXX. 
XXXX image ( CASE ID : XXXX from XXXX XXXXXX/XX/XXXX. 
XXXX image ( CASE ID : XXXX from XXXX XXXXXX/XX/XXXX. 
XXXX image ( CASE ID : XXXX from XXXX XXXX  XX/XX/XXXX. 
XXXX image ( CASE ID : XXXX from XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: CA

Complaint narrative:
On XX/XX/year> it was reported that i am XXXX  days late on my KOVO INC payment. 'in the amount of XXXX I have never had any type of relationship with KOVO INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 explanation
Consumer complaint received 2025-10-25 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: HI

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified reporting by TransUnion. 
There is a collection account from XXXX XXXX XXXX with XXXX listed as the original creditor. This account shows inconsistent reporting and may have been re-aged, as the Date of Last Activity appears as XXXX even though no payment or agreement has occurred since the original delinquency in XXXX. 
This violates FCRA 623 ( a ) ( 5 ), which prohibits altering or re-aging account dates to extend the reporting period. 
I previously disputed this account directly with the bureau, and I am requesting CFPB oversight to ensure a proper reinvestigation under FCRA 611. 
Additionally, I have multiple incorrect personal identifiers in my credit file, including old addresses, name variations, and employers that are not mine. These should be deleted immediately as required under FCRA 609 ( c ) ( 1 ) ( A ) and 607 ( b ). 
My correct identifying information is : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, HI XXXX Date of Birth : XX/XX/XXXX Employer : XXXX XXXX XXXX. 
I am asking for this collection account to be fully verified with original documentation or deleted if unverifiable.

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 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
The XXXX XXXX  Elan Visa XXXX XXXX XXXX XXXX Card has a minimum redemption on the cash back rewards of {$25.00}, which means I am forced to spend more to be able to redeem the rewards at some point in the future, which also means I will NEVER get all of my rewards redeemed as it is a continuous rolling requirement. ( This was not disclosed prior to my applying and opening the account, but the disclosure is not my main complaint ; the minimum redemption requiring ongoing indefinite spending to receive the cash back is my main complaint ).

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 2025-10-25 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 explanation
Consumer complaint received 2025-10-25 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 explanation
Consumer complaint received 2025-10-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing an account appearing on my credit report that is inaccurate and unverifiable. The account is being reported under XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX, XXXX the original creditor listed as XXXX XXXXXXXX, XXXX. The reported balance is {$1200.00} ( Reference Number : XXXX ). 

I have no contractual relationship with XXXX XXXX XXXX, and they are not the original creditor. I have requested debt validation directly from the collection agency under the Fair Debt Collection Practices Act ( FDCPA ), but no proof has been provided that this debt is valid or that XXXX XXXX XXXX legally owns it. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that the credit bureau : XXXX. Conduct a full investigation into this account. 
XXXX. Obtain verification from the furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). 
XXXX. Remove this item from my credit report if it can not be verified with proper documentation. 

This account is damaging my creditworthiness, and I request immediate review and written confirmation once the investigation has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX [ XXXX ] XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Dispute of inaccurate XXXX Accounts on Credit Report Dear [ XXXX  ] Dispute Department, I am writing to dispute certain XXXX  accounts that are inaccurately reported on my credit repost. These accounts are either incorrect, outdated, or do not belong to me, and I request an immediate errors. Below are the details of the disputed XXXX  XXXX XXXX XXXX XXXX Account : {$210.00} XX/XX/year> believe that these XXXX are being reported in error due to [ insert reason here, such as : these account have been paid, these account do not belong to me, or the information is inaccurate ]. 
Under the fair Credit Reporting Act [ FCRA ], I am entitled to an accurate and fair credit report. I request that you investigate these account, verify the information with the original creditor, and provide me with the results of your investigation within XXXX day period allowed by law. If the accounts can not be verified or are found to be inaccurate, I request that they be promptly removed from my credit report. 
To assist in your investigation, I have enclosed the following documents :. A copy of my credit report with the disputed XXXX  highlighted. A copy of my government-issued ID. Proof of address e.g., utility bill or bank statement ]. [ Any additional relevant documentation, such as proof of payment or correspondence with the creditor ] Please correct any inaccuracies as soon as possible and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your response : Sincerely : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -Date Opened XX/XX/2025 XXXX XXXX  # XXXX -Balance {$940.00} -Date Opened XX/XX/2025

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America removed the money they said was from a claim now resolved as letter indicated

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX [ XXXX ] XXXX XXXX XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX VA XXXX Subject : Dispute of inaccurate Collection Accounts on Credit Report Dear [ XXXX  ] Dispute Department, I am writing to dispute certain collection accounts that are inaccurately reported on my credit repost. These accounts are either incorrect, outdated, or do not belong to me, and I request an immediate errors. Below are the details of the disputed collection PORTFOLIO RECOV ASSOC accounts : XXXX XXXX : Date : XX/XX/XXXX Amount : {$630.00} Date : XX/XX/XXXX Amount : {$750.00} PORTFOLIO RECOV ASSOC believe that these collections are being reported in error due to [ insert reason here, such as : these account have been paid, these account do not belong to me, or the information is inaccurate ]. 
Under the fair Credit Reporting Act [ FCRA ], I am entitled to an accurate and fair credit report. I request that you investigate these account, verify the information with the original creditor, and provide me with the results of your investigation within 30- day period allowed by law. If the accounts can not be verified or are found to be inaccurate, I request that they be promptly removed from my credit report. 
To assist in your investigation, I have enclosed the following documents :. A copy of my credit report with the disputed collections highlighted. A copy of my government-issued ID. Proof of address e.g., utility bill or bank statement ]. [ Any additional relevant documentation, such as proof of payment or correspondence with the creditor ] Please correct any inaccuracies as soon as possible and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your response : Sincerely : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 explanation
Consumer complaint received 2025-10-25 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 2025-10-25 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
i was told it would be a soft pull on my credit when i applied for a best buy credit card but it wasnt

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