vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
CFPB Complaint TransUnion Dispute Complaint Against : TransUnion LLC Summary of Complaint : I am filing this complaint because TransUnion has reported unauthorized hard inquiries and an inaccurate derogatory account on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Despite my rights under federal law, these items remain on my credit report, harming my creditworthiness.

1. Unauthorized Hard Inquiries The following hard inquiries were not authorized by me and have no permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ). Unless TransUnion can produce evidence of my direct authorization, these inquiries must be deleted : XXXXXXXX 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 XXXXXXXX XX/XX/XXXX ( appears twice, duplicate reporting ) XXXX XXXX XX/XX/XXXX XXXX. Inaccurate Derogatory Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Condition : Derogatory Responsibility : Individual Balance : {$0.00} Original Balance : {$440.00} Remarks : Payment after charge-off/collection | Settled less than full balance This account is contradictory and misleading. It reflects a {$0.00} balance ( settled ), yet continues to report as a Collection/Charge-Off with derogatory remarks. This violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires reporting with maximum possible accuracy.

I am demanding that this account either be deleted or corrected to accurately reflect its true status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
There is a new inquiry on my credit report from Achieve Personal Loans. I did not authorize a hard pull on my credit nor have I applied for a loan. This inquiry needs to be removed from my report asap as it is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a new inquiry on my credit report from Achieve Personal Loans. I did not authorize a hard pull on my credit nor have I applied for a loan. This inquiry needs to be removed from my report asap as it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
b'The last company, I cannot remember the name of them, sold this debt to this new company, kehoe financial group, LLC.\n\nA guy by the name of XXXX XXXX XXXX responded to my initial email to the company explaining to them that Ive written the other company and explain that I never caused any violation as I received a few different letters from this last collection agency saying that I had traffic violations in XXXX.XXXX XXXX and I have had a few communications back-and-forth and I have asked him to send me proof send me pictures from cameras, which they do have cameras in Italy. I just looked it up, and or a traffic ticket that I supposedly signed. He stated that the cameras in Italy only captured the license plate. Ive asked him to see those photos and get me the original creditors information. Which he has denied and said to have my attorney contact him. I explained to him I do not have a lawyer at this time and that he would have to pay for my attorney fees if I file a lawsuit, which I am.\n\nThe traffic violations supposedly took place in XXXX XXXX XXXX That has been XXXX XXXX years that these traffic violations supposedly happened.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TN

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX below are the Accounts that are being challenged XXXX XXXX XXXX XXXX below are the Collections that are being challenged XXXXXXXX XXXX XXXXXXXX XXXX below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 00:00:00
Product: Credit card — Store credit 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: DISCOVER BANK
State: CA

Complaint narrative:
Category : Credit card Billing dispute / Unauthorized transaction Company : Discover Bank I have been charged recurring monthly transactions by XXXX for the past several months. I no longer have access to the email or account associated with the XXXX membership, and I have repeatedly notified Discover that I revoke authorization for this merchant to charge my account. 

Despite replacing my Discover card, Discover continues to allow XXXX recurring charges to go through. Their representatives told me to contact the merchant, but under Regulation E ( Electronic Funds Transfer Act ) Discover must honor my revocation and block future transactions.

I am requesting that Discover : Treat XXXX  charges as unauthorized recurring transactions. 

Credit back all affected charges from XX/XX/year> to XX/XX/year> Block XXXX permanently from initiating any future transactions on my account.

I have phone logs and written messages showing that I revoked authorization and replaced my card, yet the charges continue. I would like CFPB to ensure Discover complies with Regulation E and stops these unauthorized debits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am disputing the accuracy of a collection account being reported on my credit file. The collection agency Spring Oaks Capital is reporting that I owe {$930.00} on XXXXXXXX  an account where the original balance was only {$310.00} in XX/XX/year>. 

This reporting is inaccurate and violates federal law : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e prohibits misrepresentation of the character, amount, or legal status of a debt. Reporting a balance of {$930.00} when the original obligation was {$310.00} misrepresents the amount owed.

15 U.S.C. 1692f prohibits the collection of any amount ( including interest, fees, or charges ) unless it is expressly authorized by the agreement creating the debt or permitted by law. The collector has not provided any documentation that justifies or authorizes the inflated balance.

Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) requires furnishers to report accurate information to credit bureaus. Reporting a grossly inflated balance is a failure of this duty.

15 U.S.C. 1681s-2 ( b ) requires furnishers to reasonably investigate disputes and correct or delete inaccurate information. To date, the balance has not been corrected despite my dispute.

The CDIA XXXX XXXX  reporting standards further require that furnishers ensure the accuracy and integrity of account information reported to credit bureaus. By reporting an inflated balance, the furnisher is in violation of this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
The debt collector Amex engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Also, the proper 5 step validation procedure wasnt followed. Which makes this unfair practice, according to the FDCPA Im entitled a XXXX dollars per violation and obviously they violated my rights. These false allegations have made my life hard because I was denied credit cards, home and car loans. Not having a car caused me to lose my job. Without the home loan causes me and my child to be XXXX. My XXXX year old was denied private school due to the denied credit cards for me to afford her education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im being charged on cash advances and interest purchases and I do not use the card. Ive been paying on the card for over a year now and have gotten no where out of debt because they charge me 60 a month and take 40 in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Listed below are the Personal Information that are being challenged Employer - XXXX XXXXIncorrect Name : - XXXX XXXXIncorrect DOB : XXXX XXXXXXXXEmployer - XXXX XXXXIncorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX OF XXXX - XXXX - XXXX XXXX - XXXX - XXXX - XXXX CARD - XXXX - XXXX - XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX OF XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX OF XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX OF XXXX - XXXX AUTO - XXXX - XXXX OF XXXX - XXXX - XXXX - XXXX OF XXXX - XXXX BANK NA - XXXX OF XXXX - XXXX - XXXX - XXXX XXXX - XXXX - 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a collection account from XXXX XXXX XXXX for {$1400.00} ( opened XX/XX/year>, original creditor The XXXX  at XXXX XXXX  ). 

After my disputes, XXXX  deleted this same account as unverifiable, but Equifax and Experian continue to report it as verified. They did not provide any documentation or method of verification when I requested it. 

I was never properly notified in writing by the debt collector as required under the FDCPA, and the bureaus inconsistent handling of the account shows the information is not reliable. 

I am requesting that Equifax and Experian delete this collection account unless they can provide actual documentation proving its validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 writing to advise that I am a victim of XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recov Assoc Dear, Portfolio Recov Assoc I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
This account has been mistakenly attached to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The debt validation information requested from debt collection companies was not submitted nor addressed in results to previous complaints. I am now requesting that the credit bureaus investigate & delete charge offs, closed accounts, inaccurate & falsely reported negative marks, late payments, hard inquiries and addresses that are not a match to current address submitted in previous letters & complaints from any and all reports. These requests were made on multiple occasions which in turn has only created more false reportings to my credit report. Theres also letters in the mail that should arrive to each credit bureau/reporting agency addressing these issues in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am submitting to formally dispute inaccurate personal information and credit inquiries reported on my Experian credit report. These inaccuracies include certain addresses and credit inquiries that I do not recognize or authorize. Under federal law, Experian is required to ensure the accuracy of all information in my credit file and to remove unverifiable or inaccurate information. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation