vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate reporting of certain credit accounts. Below, I have outlined the accounts that I dispute with each bureau ( XXXX, XXXX, and TransUnion ), and I respectfully request a review and correction of these entries in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$80.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXI Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ClearBalance Holdings, LLC
State: WY

Complaint narrative:
I have been repeatedly contacted by XXXX ( XXXXXXXX XXXX about a debt. They call me back to back at work trying to use different employees and numbers to deceive me.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, a charge of {$350.00} appeared on my AMEX card from XXXX XXXX XXXXXXXX via XXXX Guest Checkout. I never received any product or confirmation. When I contacted the merchant, they claimed I never placed an order. 

Because the transaction was processed through XXXX Guest Checkout, I am unable to file a dispute directly with XXXX it does not appear in my XXXX account, and I am now locked out entirely. 

I initiated a dispute with AMEX, but was told the process could take up to 90 days. I am filing this complaint to ensure AMEX fulfills its obligation under the Fair Credit Billing Act to protect cardholders from fraudulent and unfulfilled transactions. I request a full chargeback for the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-01 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:
Dear Sir/Madam, I am a consumer working to fix my credit and dispute the following accounts across the credit bureaus Equifax, Please investigate the inaccuracies in the information provided and assist with correcting these issues. The details of the accounts in dispute are as follows : Charged Off Accounts XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3800.00} EDFINANCIAL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXL Account 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  Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Late Payments XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Details provided for late payment dispute. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am requesting written verification of two charged-off and closed Capital One accounts that Capital One previously furnished to the credit bureaus. Because these accounts were sold, external collection agencies can not verify original creditor information. Capital One customer service informed me that Capital One does not issue letters outside of the norm, which is incorrect regarding FCRA 623 verification requirements.

I am requesting a simple verification letter confirming : the account is closed, the account was charged off on the reported date, and there is no active past-due balance owed to Capital One. 

This is not a dispute or a request for payment. It is a verification request regarding previously furnished information. 

I called on XX/XX/XXXX from XXXXXXXX XXXX XXXX and only given the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am submitting this statement to report fraudulent activity on my credit report. I did not apply for, open, authorize, or have any knowledge of the accounts in question. I have never received any products, services, funds, or benefits from these accounts. These accounts were opened without my permission and are the result of identity theft. 

I first discovered these fraudulent accounts while reviewing my credit report. I immediately took action by filing disputes with the credit bureaus and reporting the identity theft. I have provided supporting documentation, including proof of identity and a police/FTC identity theft report.

I am requesting that these fraudulent accounts be blocked and permanently removed from all credit reporting systems, as required under the Fair Credit Reporting Act ( FCRA ). 
The accounts being reported are not mine, and I have never had any affiliation with them. 

Thank you for your urgent attention to resolving this matter.

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 2025-12-01 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX of XXXX XXXX telling me that they have requested my insurance payment of {$790.00} to be sent back from XXXX because I no longer have an insurance policy with XXXX after XX/XX/XXXX. 

Today, I received a letter from Cross Country Mortgage with no explanation as to when I would receive my {$790.00} back in escrow. My insurance policy for XXXX has been paid in full. I called Cross Country Mortgage and couldn't get anyone on the phone. I then called XXXX and asked about the refund and was told that their systems were down and she couldn't tell me the status of the alleged refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 2025-12-01 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: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I recently looked on my credit report and see two debts on my report. One is originally from t mobile and the other is originally from XXXX. When I called XXXX they were able to give me the address the service was connect to. The address provided was not my address. I called XXXX the phone company that Ive been with for over 15 years and ask what this was about. The account was almost ten years old. So for over 10 years I had two accounts at with XXXX One debt collector is credence resources for {$4500.00} The other debt collector is XXXX XXXX XXXX for {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I am submitting this complaint because multiple items on my credit reports with XXXX XXXX XXXX TransUnion appear to be inaccurate, incomplete, not verifiable, or reported inconsistently between the bureaus. I am requesting that the Consumer Financial Protection Bureau assist in having these items fully investigated and corrected or removed as required under the Fair Credit Reporting Act ( FCRA ). 
Charged Off / Collection Accounts I dispute the following items due to inconsistent dates, account numbers, and balances : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request removal of any inquiry that can not be proven to have permissible purpose. 

Late Payment Reporting XXXXXXXX XXXX XXXX XXXX This late payment appears to be reported incorrectly and needs verification.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I set up a checking account online so that I could receive direct deposit from my place of employment. The direct deposit was sent from my employer and accepted by capital one but it was not put into my account. When troubleshooting, it was determined that the incorrect account number was entered into XXXX, which is the third party payroll processing company that my employer uses. I immediately corrected the information, but never received my pay check. I submitted a claim with Capital One and they asked me to get the " trace ID number '' from my employer, which I provided. Capital one then said that they do not have the funds and asked me to provide a letter of indemnity from my employer, which I am unable to provide and do not consider necessary. The amount tof the direct deposit was, {$1100.00} and the pay date was XX/XX/year>. My employer has confirmed that capital one accepted the transfer of funds but I have still not received my check to my account. My acct number is XXXX. XXXX ID number is XXXX. The claim number with cap one which was denied is XXXX. I will upload a copy of the corresponding paystub of which the funds have been claimed by capital one but not submitted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
DISPUTE LETTER # 4 TD Auto Finance ( 30-Day Late Payment ) RE : Late Payment Dispute Inaccurate Date of Delinquency To Whom It May Concern : This letter serves as a formal dispute regarding a 30-day late payment reported for XXXX XXXX.The reporting is inaccurate, inconsistent with my payment records, and violates : * FCRA 1681e ( b ) Duty to assure maximum accuracy * FCRA 623 ( b ) Duty to investigate * FCBA Payment application rules DEMANDS : Provide : * Full payment ledger * Timestamped payment receipts * Proof of non-processing on your end * Internal investigation notes If you can not provide these documents, the late payment must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report, as detailed below. The following accounts are in dispute due to inaccuracies or incomplete reporting. 

Charged Off 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I am filing this complaint because some information being reported by the credit bureaus appears inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). I am requesting CFPB assistance to help ensure that these accounts are properly investigated and corrected or removed. 
Charged-Off Account 1. XXXX XXXX XXXX Account Number : XXXX Reported Date : XX/XX/year> Reported Balance : {$0.00} Reason for Dispute : I do not believe this account is being reported accurately. The information appears outdated and may no longer be verifiable due to the age of the account. I am requesting that Experian and the furnisher provide proper documentation proving the accuracy of this account or remove it if it can not be verified.

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 2025-12-01 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: FL

Complaint narrative:
These inquiries do not correspond with any actions I have taken and appear unauthorized. I request a timely review and corrective measures. Attached is documentation for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

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 XXXX 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 youhave 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 2025-12-01 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian closed my reinvestigation the same day it was submitted without performing a proper investigation, which violates FCRA 611. I submitted a new dispute with updated information, but Experian marked the account as previously in dispute and reused an old furnisher response instead of conducting a new investigation. 

Experians report displays multiple Invalid date fields and inaccurate information from the furnisher, yet Experian still marked the account as verified. Experian is required to ensure the accuracy of reported information and can not rely on invalid or incomplete data. 

I am requesting CFPB intervention because Experian failed to investigate, failed to correct inaccurate data, and improperly closed my dispute on the same day it was received. I am requesting the account be corrected or deleted due to Experians failure to comply with FCRA accuracy and reinvestigation requirements.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Requested address to send correspondence letter in order to get requested debt validation letter. Refused to provide any information.

Company response to consumer: Closed with explanation