vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by law.

1. I was never late on the payment and here i can see XXXX  days late payment being reported. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. I was never late on the payment and here i can see XXXX  days late payment being reported. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My partners family stole my phone, cards and XXXX of my key fobs early in the morning XXXX weeks ago. As soon as I could I went to the police dept and filed a theft report and then got home and downloaded XXXX  on my partners phone to call capital one and stop all transactions because I received emails saying money was being transferred out. This also happened with my XXXX XXXX Acct and can provide info and show you what they are doing ( thy have shut XXXX  account down and blocked online access until new cards come in and I can go in person ) my XXXX was hacked into and also my XXXX account. Thousands of dollars across these accounts have been stolen by him. I didnt know the full extent when I called but they told me just from capital one it was {$2200.00}. My XXXX XXXX  is {$1200.00}, XXXX XXXX  is {$1400.00} etc. overall that XXXX  stole from me and deputy XXXX  was able to help me recover my phone and key fob. I tried calling capital one but I just got a busy line for about XXXX minutes before I hung up and tried emailing them but the email couldnt be delivered but wanted them to know my phone and key fob was recovered, however no cards or cash cause the XXXX already took everything. Excuse my language but I hate him and XXXX  in the process of pressing charges against him. Regardless, it has been XXXX weeks now since I filed with capital one and have not received my money back, heard from them, or received a new cards. I have been transferring money out of the account as XXXX  I can since I am unsure of whats XXXX  on since there XXXX  been any contact or even letters in the mail. I explained to the guys on the phone everything that happened I gave them his first and last name all the police report information address that I have etc and still nothing. 

I have bills and XXXX kids under XXXX. XXXX is in a few weeks I need my money and my bank has not XXXX  any help to me since i initially called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents XXXX  submitted so that I wont have to worry about this problem 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPTEDXXXX  # XXXX - Balance : {$1900.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$3700.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$9500.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: Self Financial Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX Rent/Utility/Loan Reporting Account XXXX is reporting the account XXXX Negative Reporting inaccurately and without providing required documentation. I disputed this account, and XXXX did not provide any supporting records, including the signed agreement, reported tradeline history, transactional records, payment data, internal logs, or Method of Verification. The reporting is inconsistent across bureaus, violating FCRA section 607 ( b ). By failing to provide validation, XXXX violated section 611 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 6 ), and section 611 ( a ) ( 7 ). XXXX also violated section 623 ( b ) ( 1 ) ( A ) and section 623 ( b ) ( 1 ) ( D ) because it did not conduct a reasonable investigation upon receiving notice of dispute. Under governing case law including XXXX v. TransUnion and XXXX v. Equifax, unverifiable information may not remain on a consumer report. 


I requested the complete method of verification, including all documents required under FCRA 611 ( a ) ( 2 ) and 611 ( a ) ( 7 ), investigation logs, XXXX audit trail, source data used to verify accuracy, permissible purpose documentation for all inquiries under FCRA 604 ( a ), full account-level documentation under FCRA 623 ( a ) ( 1 ) ( A ), and all records substantiating the reporting, including contracts, payment history, repo notes, and any documents used to verify the information they are furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NY

Complaint narrative:
My name is incorrect in my credit report the address is incorrect and the phone numbers are incorrect also Id like to correct them and remove all incorrect negative account that hurting my credit

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 2025-11-29 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 am filing this complaint because the credit reporting agencies ( Equifax, Experian, and/or TransUnion ) have repeatedly verified accounts that are inaccurate, incomplete, or not reported in compliance with the FCRA and XXXX XXXX XXXX multiple disputes submitted with clear explanations. 

The credit bureaus are failing to conduct a reasonable reinvestigation under FCRA 15 U.S.C. 1681i ( a ). They keep returning disputes as verified but refuse to provide : The Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) Copies of the documents used to verify the accounts XXXX field data or XXXXXXXX  audit trail Evidence proving the accuracy of the disputed information Additionally, the bureaus are failing to comply with 15 U.S.C. 1681e ( b ) by reporting data that is inaccurate, inconsistent across bureaus, incomplete, or unverifiable. 

Some accounts include : XXXX XXXX ( TransUnion Collection ) bureau claims meets FCRA requirements but provided XXXX  verification, no original creditor documentation, no contract, no chain of title, and no XXXX coding validation. 
XXXX XXXX XXXX  ( Repossession ) reported differently across all  bureaus, inconsistent payment history, conflicting dates, inconsistent status codes, and violations of XXXX Base Segment, Payment Rating, and Account Status guidelines. 
XXXX ( Equifax ) shows a late payment without any matching payment history segment or documentation. 
These discrepancies show the bureaus are simply marking accounts as verified without performing a lawful reinvestigation.

This violates : 1681i ( a ) ( 1 ) ( A ) Reasonable reinvestigation 1681i ( a ) ( 2 ) Duty to forward all relevant information to furnishers 1681i ( a ) ( 6 ) Duty to provide results + XXXX  1681i ( a ) ( 7 ) Right to include an expanded statement of dispute 1681e ( b ) Failure to report accurate/incomplete data 1681s-2 ( a ) Furnishers reporting unverifiable or inaccurate information The credit bureaus are ignoring their legal obligations and simply sending automated templates stating verified, which does not meet FCRA or XXXX XXXX XXXX requirements 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 2025-11-29 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: FL

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Equifax, Experian, and/or TransUnion ) have repeatedly verified accounts that are inaccurate, incomplete, or not reported in compliance with the FCRA and XXXX XXXX XXXX multiple disputes submitted with clear explanations. 

The credit bureaus are failing to conduct a reasonable reinvestigation under FCRA 15 U.S.C. 1681i ( a ). They keep returning disputes as verified but refuse to provide : The Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) Copies of the documents used to verify the accounts XXXX field data or XXXXXXXX  audit trail Evidence proving the accuracy of the disputed information Additionally, the bureaus are failing to comply with 15 U.S.C. 1681e ( b ) by reporting data that is inaccurate, inconsistent across bureaus, incomplete, or unverifiable. 

Some accounts include : XXXX XXXX ( TransUnion Collection ) bureau claims meets FCRA requirements but provided XXXX  verification, no original creditor documentation, no contract, no chain of title, and no XXXX coding validation. 
XXXX XXXX XXXX  ( Repossession ) reported differently across all  bureaus, inconsistent payment history, conflicting dates, inconsistent status codes, and violations of XXXX Base Segment, Payment Rating, and Account Status guidelines. 
XXXX ( Equifax ) shows a late payment without any matching payment history segment or documentation. 
These discrepancies show the bureaus are simply marking accounts as verified without performing a lawful reinvestigation.

This violates : 1681i ( a ) ( 1 ) ( A ) Reasonable reinvestigation 1681i ( a ) ( 2 ) Duty to forward all relevant information to furnishers 1681i ( a ) ( 6 ) Duty to provide results + XXXX  1681i ( a ) ( 7 ) Right to include an expanded statement of dispute 1681e ( b ) Failure to report accurate/incomplete data 1681s-2 ( a ) Furnishers reporting unverifiable or inaccurate information The credit bureaus are ignoring their legal obligations and simply sending automated templates stating verified, which does not meet FCRA or XXXX XXXX XXXX requirements XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents XXXX  submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-11-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief