vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$15000.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Positive Accounts No positive accounts listed for TransUnion. 

Late Payment Accounts XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I opened a Barclays-issued XXXX credit card at the end of XXXX or early XXXX while on a XXXX cruise. Before I received, activated, or used the card, a charge of approximately {$5000.00} appeared on the account dated XX/XX/XXXX. I had made no purchases on that card, onboard or otherwise. My onboard cruise account was linked to another persons payment method, not mine. 

I disputed the {$5000.00} charge with Barclays in early XXXX. Barclays credited the amount back after completing an investigation. 

On XX/XX/XXXX I saw a charge posted on XX/XX/XXXX, a second charge for the same amount ( {$5000.00} ) appeared on my account. It had the same merchant descriptor and the same original transaction date of XX/XX/XXXX, even though it was posted months later. I did not authorize this charge either. 

I contacted Barclays fraud department on XX/XX/XXXX. The representative insisted that I needed to contact XXXX, even though this was an unauthorized charge and Barclays had already credited the first identical charge. The representative could not explain why the same charge was re-posted, would not reopen the fraud investigation, and stated that their prior investigation was complete without providing any written explanation or documentation as required under the Fair Credit Billing Act. 

I was told that Barclays would send documentation within 10 days, but I still have not received anything explaining the basis of their decision or why the charge was posted again. 

I have approximately {$3500.00} in legitimate purchases on the account that I made after receiving the physical card. The new {$5000.00} charge has pushed my balance to roughly {$8500.00}, which is inaccurate and unmanageable. I am now being asked to pay interest on a charge I did not authorize and previously disputed.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Pursuant to 15 U.S. CXX/XX/XXXXe XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. CXX/XX/XXXXe XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was charged on XX/XX/year>2025 for an amount and merchant that I did not recognize and most likely did not purchase since I was traveling across the county on that day with my service dog. I have disputed the charge XX/XX/XXXX times and each time they decided in the merchants favor, even though they have produced no evidence. They only gave me a business address and when searched, it is a XXXX bedroom house in XXXX Indiana. Doesn't look very business like. 

Information I received today from XXXX of there employees, who was sympathizing with me, explained that there is an ongoing practice with APPLE and Goldman Sacks that if a purchase is made with a digital card, they never investigate. 

Changes made on a digital card doesn't mean there is no fraud. I am filing a complaint against Goldman Sack for this issue with my Apple Card. They are not doing investigation and charging me for what is a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: PR

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 

XXXX XXXX ( Bank ) XX/XX/scrub> 2025XX/XX/XXXX ( Bank ) XX/XX/year>2025 XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> 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 explanation
Consumer complaint received 2025-11-17 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XX/XX/XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I reviewed my credit report and identified the following accounts :XX/XX/XXXXXXXX ( Account : XXXXXX/XX/XXXX and XXXX CARD ( Account : XXXX XX/XX/XXXX 

These accounts are being reported without my express authorization, which is a clear violation of the FCRA ( 15 U.S.C. XXXXb ). I have attached my official FTC Report XX/XX/XXXXXXXX and the dispute letter sent to the bureau demanding immediate deletion. 

This situation is causing severe financial harm and putting my family 's future at risk. We are currently in the final underwriting process for a mortgage to purchase our first home, and these unauthorized negative items are the primary obstacle jeopardizing our approval. We are facing the imminent threat of the deal falling through and losing our XXXX money deposit if this is not resolved instantly. I request your intervention to enforce the immediate block and deletion of these items pursuant to 15 U.S.C. 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
I am submitting this complaint because TransUnion has illegally reinserted fraudulent accounts onto my credit report after previously confirming they were permanently deleted. The accounts are : XXXX Reported XX/XX/year> {$580.00} ClosedXX/XX/XXXX I am a verified victim of identity theft. I did not open, authorize, or have any involvement with these accounts. TransUnion removed these accounts in a prior investigation but has now added them back without any required notice, verification, or certification. 

XXXX. Violation of FCRA reinsertion laws Under FCRA XXXX ( a ) ( XXXX ) ( B ), a credit bureau may NOT reinsert previously deleted accounts unless : The furnisher provides certification the information is accurate, The bureau provides written notice within XXXX business days informing me of the reinsertion, and The bureau provides the name, address, and phone number of the furnisher. 

TransUnion provided none of these. 
I received no reinsertion notice, no documentation, no certification, and no explanation. 

XXXX. No documentation or proof from the furnishers ( XX/XX/XXXX and XX/XX/XXXX ) Both companies have failed to provide any documentation proving the accounts belong to me, including : Original signed application Transaction history IP address logs of the device used to open the account Device ID or device fingerprint Surveillance footage used for in-store credit applications Any evidence tying me to the alleged account I have requested this information multiple times, and the furnishers can not produce it, because these accounts were created fraudulently. 

XXXX. Prior deletion = acknowledgment of fraud TransUnion originally permanently deleted these accounts after an investigation. 
Reinserting the accounts afterward : Suggests improper handling of my identity theft claim Violates federal reinsertion procedures Shows the accounts were added without proper verification XXXX. Ongoing harm These fraudulent accounts have damaged my creditworthiness, resulted in score drops, and continue to harm my ability to obtain credit and financial stability.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Re : Formal Dispute of Midland Credit Management Accounts File Number : XXXX To Whom It May Concern, I am writing to dispute several Midland Credit Management ( MCM ) accounts currently listed on my XX/XX/XXXXcredit report. These accounts are inaccurate, incomplete, and unverifiable because I have no purchase agreement, contract, signed application, or documentation proving that I ever established an account with the original creditors listed or with Midland Credit Management. 

The disputed accounts are : XXXX. Midland Credit Management Account XXXX. XXXXXX/XX/XXXX Balance : {$2900.00} | Original Creditor : XXXX Bank | Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX. Midland Credit Management Account XXXX. XXXXXX/XX/XXXX Balance : {$1000.00} | Original Creditor : XXXX XXXX Bank | Date Opened : XX/XX/XXXXXX/XX/XXXX. Midland Credit Management Account XXXX. XXXXXX/XX/XXXX Balance : {$3800.00} | Original Creditor :XX/XX/XXXXXXXX | Date Opened : XX/XX/XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, I am requesting thatXX/XX/XXXX provide full documentation verifying these accounts, including : A signed purchase agreement or contract bearing my signature, Proof of the original account, Proof of the chain of assignment, Proof that Midland Credit legally owns or has the right to collect this alleged debt. 

To date, neither Midland Credit Management nor the original creditors have provided any documentation showing that I agreed to or authorized these accounts. Without a valid purchase agreement or contract, these accounts can not be verified and must be removed. 

Because Midland Credit reports these accounts as collections and lists them as Placed for Collection, these negative entries are damaging my credit standing and must comply with full verification requirements. 

If XX/XX/XXXX can not obtain proper verification, including a signed contract, these accounts must be deleted immediately from my credit file per FCRA XXXX ( a ) ( XXXX ) ( A ). 

Please provide me with the results of your investigation in writing. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I discovered that Bank of America removed {$2400.00} from my personal checking account through a XXXX XXXX. I did not authorize this. 

The bank took money from my PERSONAL account to cover a XXXX debt belonging to XXXX XXXX XXXX, which is a completely separate legal entity. This is an illegal cross-account setoff. 

The Backcourt business account was : Closed Charged off Already involved in a police fraud investigation Bank of America did not give me : Any written notice Any documentation Any explanation before taking my money. 

I went to the branch and asked what account the offset was tied to. They did not provide documentation or fix the issue. 

I am requesting an immediate reversal of the {$2400.00} and a full investigation.

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 2025-11-17 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: PA

Complaint narrative:
I am really distressed that these inaccurate accounts are still showing up on my credit report and nothing has been removed. I am asking with urgency that the documents I submitted be examined fully so I can finally stop feeling overwhelmed by this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: DE

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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