vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-04 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-04 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXEmail: XXXXDate: XXXX XXXX XXXXAlly Financial\XXXX XXXX XXXX XXXX XXXXSubject: Request for IRS Form 1099-C for Tax Purposes\nTo Whom It May Concern,XXXXMy name is XXXX  XXXX, and I am writing to formally request assistance regarding my (account XXXX XXXX XXXX XXXX XXXX) with your company.XXXXI have recently reviewed my credit report and noticed items listed as charge-offs. However, I have not received an IRS Form 1099-C associated with these accounts. I have experienced financial hardship over the past year, which has affected my ability to manage some of my financial obligations.XXXXFor accurate reporting and filing of my taxes, I kindly request that you provide me with anyXXXX1099-C forms that may have been issued for debts forgiven or canceled by Ally Financial. If noXXXX1099-C was issued, I would appreciate confirmation of that as well.XXXXPlease send any applicable documentation to the address listed above or feel free to contact me if additional information is required to process this request.XXXXThank you for your attention to this matter. I look forward to your timely responseXXXXSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ordered an XXXX and XXXX XXXX off XXXX on XX/XX/XXXX, I made the delivery the next day in case I wanted to cancel. I decided I did want the cancel the same day I ordered. I was able to cancel before a dasher could be assigned and the store to prepare the order. I contacted doordash support so they can cancel it and they said I would be refunded in XXXX days. I waited and no results so I talked to doordash support again and they said I cant receive a refund. I decided to chargeback with capital one and they didn't side with me saying that doordash provided proof it wasn't cancelled which is total bs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-04 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: TN

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and unauthorized activities reported on my credit file by various financial institutions. Despite my diligent management of my accounts, I have noticed the following errors and violations : XXXX. Wrong Addresses Reported XXXX XXXX XXXX, LA XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX These addresses are inaccurately reported on my credit profile and may affect my creditworthiness.

2. Inaccurate Account Reporting XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$67000.00} Reported as Late Payment XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Charge Off XXXX  XXXX Accounts : XXXX  Date Opened : XX/XX/XXXX High Credit : {$37.00} Late Payment XXXX  Date Opened : XX/XX/XXXX High Credit : {$37.00} Late Payment XXXX  Date Opened : XX/XX/XXXX High Credit : {$42.00} Late Payment XXXX  Date Opened : XX/XX/XXXX High Credit : {$100.00} Late Payment XXXX  Date Opened : XX/XX/XXXX High Credit : {$100.00} Late Payment XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$17000.00} Charge Off XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$2300.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$390.00} Collection These accounts are being reported inaccurately and are negatively affecting my credit score. Under FCRA 611, any unverifiable or inaccurate information must be corrected or deleted. My records indicate that all payments were made timely and accurately. 

XXXX. Unauthorized Credit Inquiries The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries violate FCRA 604 ( a ) ( 2 ), which strictly prohibits accessing a consumer report without a permissible purpose.

Requested Actions : Investigate and remove all inaccurate reporting on the accounts listed above. 

Remove all unauthorized inquiries from my credit report. 

Provide written confirmation once these corrections have been made. 

Ensure that my credit report accurately reflects my timely payments and account status in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-04 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: MD

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I maintain that the inaccurate late payment notations on my accounts violate 15 USC 1666. I have always made timely payments, and these reporting errors are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
On XX/XX/year>, I filed a dispute with TransUnion ( Dispute # XXXX ) regarding several accounts on my credit file. On XX/XX/year>, TransUnion, Equifax and TransUnion marked these accounts with the status Unknown : Haven on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all list on all reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA 611 ), all information on a consumer report must be accurate and verifiable. If an account can not be verified, it must be deleted. Unknown is not a valid verification status and shows TransUnion could not confirm the accounts. 

Despite this, TransUnion left these unverifiable accounts on my credit file, which is a violation of the FCRA. This has harmed me by lowering my credit scores, causing credit and housing denials, and emotional distress. 

I am requesting that these accounts be immediately deleted from all my credit profiles and provide written confirmation. I also request that damages be considered, as the FCRA allows statutory damages of up to {$1000.00} per violation, plus any actual damages incurred. With each bureaus, equifax, experian and transunion. 

I have attached supporting evidence, including a screenshot of the dispute results showing the Unknown status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I mistakenly initialized a transfer via Venmo then within minutes attempted to stop and/or cancel using their direct method of doing g so to no avail. I then called twice and received no assistance and was told there was nothing they could do even tho ugh the charge is still pending. They have no internal processes when mistakes are made and now I am out of {$520.00} of my money due to their technical discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-04 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 discovered unauthorized accounts on my credit report that I did not create or authorize. I had no knowledge of these accounts being opened, and I never received any notification regarding them. In addition, the information reported varies between the credit bureaus, making it inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I purchased a {$200.00} gift card on XXXX XXXX at XXXX XXXX XXXX, PA to give to a friend. I gave the card to my friend ( XXXX XXXX ) who tried to use it and it was declined. When calling InComm to find out what happened, we were told that a person ( XXXX ) with a XXXX  ID redeemed the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I maintain that the inaccurate late payment notations on my accounts violate 15 USC 1666. I have always made timely payments, and these reporting errors are both unjust and unlawful.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The required documents are enclosed to support my claim.

Company response to consumer: Closed with non-monetary relief