vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: LA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 filed this FTC identity Theft Affidavit to report FRAUDulent accounts and inquiries are appearing on my consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and FRAUD. These FRAUDulent accounts are a business credit card account opened at XXXX XXXX under the partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and also closed too without my consent or knowledge of its existence in the first place, a personal credit card account opened at XXXX XXXX  under the partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX and also closed too without my consent or knowledge of its existence in the first place. 


i demand that the aforementioned FRAUDulent items be removed from each of my consumer credit reports pursuant to my rights within the FCRA and FDCPA laws. CLEAR MY REPUTATiON THiS iS NOT MY XXXX  XXXX. THiS iS NOT MY XXXX XXXX. THiS iS NOT MY XXXX. CORRECTiON UNDER TRANSGRESSiNG OF MY XXXX AND XXXX XXXX XXXX XXXX RiGHTS. MY HUMAN BEiNG RiGHTS. 


i request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TRANSUNION credit reporting agency block all names other than my actual name ; XXXX XXXX XXXX XXXX XXXX on my social security card and my drivers license. Remove fraudulent names identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. i request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 


i've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. i do not recognize the aforementioned account as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. i have attached a copy of FTC identity Theft Criminal Complaint XXXX XXXXXXXX XX/XX/XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
In early XXXX, a collection account for approximately {$2100.00} was placed on my credit report by a XXXXparty debt collector. The alleged balance was related to a past residential lease for which I had only been a co-signer. I was never a resident or occupant of the property. 

In XX/XX/XXXX, the civil case connected to this alleged debt was legally vacated, dismissed with prejudice, and sealed by the court. This means the judgment was voided, the matter was permanently closed, and no further collection or reporting is permitted. 

Despite the courts actions, the debt collector has continued reporting the collection account to credit reporting agencies. The reporting is inaccurate for XXXX reasons : The underlying case has been vacated, dismissed with prejudice, and sealed, eliminating any legal basis for debt collection or credit reporting. 

The collector has sent written correspondence about the same alleged balance to other individuals involved in the original lease, indicating the debt was misattributed and not solely tied to me. 

I submitted a dispute to the collector and requested deletion based on the court orders and inaccurate reporting. The collector has not corrected or deleted the information as required under the Fair Credit Reporting Act, including the requirements for accuracy, reinvestigation, and proper furnishing of information. 

I am requesting that the CFPB ensure the collector stops reporting this invalid account and removes it from all consumer and XXXXparty databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To Whom It May, I am filing this complaint regarding the delayed availability of funds from a cashier 's check on Wells Fargo Bank On Friday, XX/XX/year>, I deposited a cashier 's check for {$22000.00}. The teller assured me the full amount would be available on Saturday, XX/XX/year>. Today, Monday, XX/XX/year>, I found the funds were not available. This has caused my account to incur an overdraft of {$3600.00} due to a scheduled payment. Wells Fargo is refusing to release the funds until Monday, XX/XX/year>, claiming the check was " not signed. '' This claim is incorrect ; I possess a copy clearly showing my signature. I am a XXXX individual with very limited mobility, which makes visiting a branch extremely difficult. I request an immediate review of my signature copy and the prompt release of the funds to remedy this financial hardship, thank you.

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 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a MattressFirm credit card through Synchrony. The card I have received has the incorrect account number. I have consolidated my credit card debts and am having my personal bank close the Synchrony account. After my personal banks check having been sent back due to my account number being incorrect, I have reached out to Synchrony to get this fixed. After talking to customer support and using their XXXX XXXX today XX/XX/year>, I am still unable to get my correct account number. Customer support has sent me a new card ( it won't come in for up to XXXX business days ) I find this unacceptable. XXXX the XXXX is unable to provide me with my account number even though I had provided all the information that was requested. When I first opened my account I also had an issue with setting up and providing payment for my first months payment. Synchrony would not accept my debt card or my bank account number and routing number, thus causing me to incur late fees.

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 2025-11-18 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-18 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: SC

Complaint narrative:
The evidence provided clearly shows that Equifax and TransUnion are reporting completely different and conflicting information for the same XXXX XXXX XXXX account, proving inaccurate furnishing and improper investigations. 

XXXX. TransUnion Evidence ( Screenshots Attached ) : Reports {$0.00} balance Reports PAID IN FULL / WAS A CHARGE-OFF Shows no recent negative updates Shows closed account Correct fall-off date : XX/XX/XXXX No collection activity This indicates the debt is no longer owed, or XXXX XXXX could not validate it for TransUnion. 

XXXX. Equifax Evidence ( Screenshots Attached ) : Reports a {$1900.00} balance ( different from XXXX {$0.00} ) Continues monthly charge-off updates in XXXX, which is illegal re-aging Reports Charge-off every month Reports Transferred to recovery even though no collector exists Shows recent updates in XX/XX/XXXX despiteXX/XX/XXXX being XX/XX/XXXX Shows active delinquency even though TransUnion reports the debt as settled/paid This shows Equifax is reporting false, outdated , and inconsistent information. 

XXXXXX/XX/XXXX Evidence ( Screenshots Attached if available ) : Does not report the account at all, which further proves inconsistent and unreliable reporting across the bureaus. 

XXXX. Failure to Investigate or Validate I sent multiple disputes and Method of Verification ( MOV ) requests to both bureaus. 
Neither bureau : provided validation, provided documents, explained the verification method, or corrected the inaccurate information. 

Both bureaus relied on automated e-Oscar responses, not a real investigation. 

XXXX. Clear FCRA Violations Shown in Evidence The attached screenshots demonstrate violations of : FCRA XXXX ( b ) accuracy FCRA XXXX failure to reinvestigate FCRA XXXX failure to provide verification FCRA XXXX ( a ) ( XXXX ) furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) failure to update and correct Illegal re-aging by Equifax The inconsistent data across bureaus proves the account is unverified, inaccurate, and unreliable.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today, XX/XX/XXXX at XXXXXX/XX/XXXX EST, I received multiple emails from XX/XX/XXXX and XX/XX/XXXX that my credit report was viewed by a lender and that I have XXXX new inquiries from XXXX Bank XXXX and Capital One. I also received an email that I've been approved for a XXXX Capital One credit card with a credit limit of {$4000.00} and that it should arrive in XXXX business days. I never inquired about this card nor do I have an account with Capital One anymore. I froze my credit report with XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX and placed fraud alerts on them.

Company response to consumer: Closed with explanation
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-11-18 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:
To Whom It May Concern, I am submitting a formal request to re-open and resolve an ongoing dispute regarding a charge of {$2000.00} for XXXX XXXX, originally posted on XX/XX/scrub> 2023. 

My family ( party of XXXX ) booked XXXX rooms. Immediately after booking, the hotel canceled XXXX of the rooms due to overbooking. The remaining room was still active, but because only XXXX room was availableand the hotel was fully sold outwe were unable to stay at the property. The hotel clearly stated we would receive a credit, and this was confirmed by them on XX/XX/year>2023. 

Despite this, the credit was never applied by Apple/Goldman Sachs . 

Dispute Timeline XX/XX/year> Original charge of {$2000.00} posted. 
XX/XX/year> Hotel confirmed cancellation of XXXX room due to overbooking and stated a credit would be issued. 
XX/XX/year> I re-submitted the dispute when no credit appeared. 
Since 2023, I have had to re-dispute this same charge multiple times. 
Apple has advised that they do not have any information, yet the charge continues to reappear and be charged back to my account. 

Facts We never stayed at the hotel. 
We did not receive the rooms we paid for. 
The merchant acknowledged the issue and stated a credit was due. 
Apple/Goldman Sachs has not applied the credit nor provided any documentation supporting the merchant. 
I have already submitted all supporting documentation multiple times. 

I am requesting that this dispute be re-opened immediately and that Apple/Goldman Sachs permanently remove this charge from my account. The merchant did not provide the services paid for, and I have fulfilled my responsibility by submitting all required documentation repeatedly since early 2023. 

Thank you for your prompt attention. I request written confirmation that this dispute has been reopened and is being reviewed based on the full history provided. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
inaccurately and inconsistently across all three major credit bureaus Experian, Equifax, and TransUnion in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). These discrepancies are negatively affecting my credit score and limiting my ability to qualify for important financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I completed a lease at XXXX XXXX XXXX XXXX, XXXX, IL XXXX with XXXX XXXX XXXX. Despite paying rent on time throughout the lease term ( XXXX XXXX XXXX ), the landlord withheld our security deposit and charged approximately {$1600.00} for damages that either did not exist or were not our responsibility. 
In XX/XX/XXXX, I disputed these charges directly with XXXX XXXX XXXX via email, providing detailed explanations for each disputed item. They never responded and instead sold the debt to XXXX XXXX without resolving the dispute. 
The charges include provably fraudulent items such as carpet cleaning for a house that had XXXX carpets, and fees for missing beds that XXXX XXXX XXXX themselves removed from the unit at our request at the beginning of the lease, just to name a few of the items I disputed. 
In XXXX, after moving to XXXX, I attempted to dispute the debt with XXXX XXXX. The account was then transferred to N.A.R. , Inc. ( a debt collector in XXXX XXXX XXXX, XXXX  ), apparently because I no longer reside in XXXX. 
In XX/XX/XXXX, I sent a formal written dispute to N.A.R. , Inc. pursuant to the FDCPA, requesting validation of the debt and explaining why each charge was inaccurate. On XX/XX/XXXX, N.A.R. , Inc. rejected my dispute ( Reference Number : XXXX ), claiming I failed to provide supporting documents. However, they provided no evidence themselves - no photos, no receipts, nothing to substantiate any of the alleged damages. 
The debt collector is requiring me to prove charges are false, rather than providing evidence the charges are valid. This violates the FDCPA 's requirement that collectors validate debts upon dispute. Their failure to provide any documentation while reporting this to credit bureaus has severely damaged my credit and is preventing me from securing housing in Texas. 
XXXX XXXX XXXX violated Illinois Security Deposit Return Act requirements by failing to provide itemized statements with supporting documentation. The debt has now been passed between multiple collection agencies, and none have provided validation of these fraudulent charges. 
I am requesting the CFPB investigate both N.A.R., Inc. 's debt collection practices and this fraudulent debt reporting.

Company response to consumer: Closed with explanation
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
RE : Request for Removal of Inaccurate Addresses & Update of Personal Information To Whom It May Concern, I am writing to dispute and request the deletion of incorrect, outdated, or unverified addresses appearing on my credit file. These addresses are not current and should not be associated with me. 

Under the Fair Credit Reporting Act ( FCRA ) : XXXX ( A ) Credit reports must be fair and accurate XXXX ( B ) Bureaus must ensure maximum possible accuracy XXXX Consumers have the right to dispute and correct inaccurate information I am requesting an investigation and deletion of the following incorrect addresses, which appear on my reports : REMOVE THESE ADDRESSES TransUnion XXXX XX/XX/XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

KEEP ONLY THIS CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Shown as current on TransUnion, XX/XX/XXXX, andXX/XX/XXXX. ) These incorrect addresses may negatively impact my credit profile, and I am exercising my rights under the FCRA to have them removed immediately. 

I have included copies of my identification to validate my current address : Drivers License Social Security Card Utility bill or bank statement showing current address ( optional ) Please provide me with written confirmation once these corrections have been completed.

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 2025-11-18 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I am submitting this complaint because Barclays Bank Delaware continues to report an account ending in XXXX as a charge-off / sold/ transferred, even though : XXXX. Barclays has failed to provide any validation or documentation whatsoever to support the accuracy or ownership of the account. 

XXXX. I disputed the account with allXX/XX/XXXX major credit bureaus and Barclays verified the account without providing proof, in violation of the FCRA. 

XXXX. I sent a direct dispute to Barclays requesting : - The original signed credit application or agreement - A complete accounting of the debt - Proof of assignment/sale - Documentation supporting what they are reporting Barclays did not provide any of this. 

XXXX. The only response I received was that the account was verified with no documentation, which is not a reasonable reinvestigation under FCRA XXXX. 

XXXX. Barclays is continuing to furnish data they can not support with evidence, which violates FCRA XXXX ( a ) ( XXXX ) ( A ). 

This account is harming my credit score, preventing me from qualifying for housing and automotive financing, and Barclays refuses to follow federally required verification steps.

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