vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-11-11 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 am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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

Complaint narrative:
I made an online purchase from XXXX and I used my credit card which is registered with XXXX. I have made many of these purchases in this same manner and have never had a problem. However, the last purchase I made had a separate " cash advance '' charge of {$10.00} associated with the purchase. This was not a " cash advance '' purchase of any kind. I contacted all parties : XXXX, XXXX, and my credit card company CapitalOne. XXXX and XXXX said there should not have been any " cash advance '' fee. Capital One said the charge was sent coded to them as a " cash advance '' purchase and they can do nothing about it. It is ridiculous, I never made a " cash advance '' purchase. In fact, I really don't even know what it is. I have many purchases on my credit card account from XXXX using XXXX and only this most recent one has this {$10.00} charge. So far Capital One had me close my credit card account, they're sending a new card and now they are disputing the entire charge, not just the " cash advance '' charge. This is really crazy. How many people are being charged for these types of things without any sort or prior notification?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-11 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: CT

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report. I request that TransUnion verify each account under the Fair Credit Reporting Act ( FCRA ). Any information that can not be verified should be corrected or removed from my credit file. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that TransUnion provide a written response confirming the results of your reinvestigation.

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 2025-11-11 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: MECHANICS BANK
State: CA

Complaint narrative:
I am formally disputing the MECHANICS BANK AUTO FI account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, MECHANICS BANK AUTO FI has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, XXXX XXXX XXXX XXXX  have also failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC and BBB regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel MECHANICS BANK AUTO FI and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file.

ACCOUNT LISTED BELOW : 1 ) MECHANICS BANK AUTO FI AMOUNT : {$23000.00} DATE OPEXXXX

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

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following information on my Equifax credit report. I believe these entries are inaccurate, and I request that they be corrected or removed from my credit report. 

Charged Off : Account Name : [ No information provided ] Account Number : [ No information provided ] Account Date : [ No information provided ] Balance : [ No information provided ] Inquiries : Account Name : XXXX Account Date : XX/XX/year> Account Name : XXXX Account Date : XX/XX/year> Account Name : XXXX Account Date : XX/XX/year>

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

Complaint narrative:
I am writing to dispute multiple inaccuracies that are currently impacting my credit reports from the three credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe the accounts listed below contain errors or inaccurate information that must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6700.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4500.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: MD

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 : [ DEPT OF EDUCATION/XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ DEPT OF EDUCATIONXXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX  Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain inaccuracies in my credit report from Equifax. The following items need to be addressed : Charged Off Accounts : [ Account Name ], [ Account Number ], [ Account Date ], [ Balance ] ( Please specify the details ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please review and correct these inaccuracies as necessary.

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

Complaint narrative:
I am submitting this complaint because there are several inaccurate, incomplete, or unverifiable items being reported on my credit reports. I am requesting a thorough investigation under the Fair Credit Reporting Act ( FCRA ), and that all inaccurate or unverifiable information be deleted or corre1. Previous Address Please remove or update any outdated or incorrect previous addresses. I request verification of any addresses that remain. 

2. Charged Off Accounts XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$20000.00} I dispute this reporting as inaccurate or unverifiable. Please conduct a full reinvestigation. 

XXXX XXXX XXXX  Account No. XXXX Date : XX/XX/XXXX Balance : {$260.00} I do not have any record of this debt. Please verify ownership and accuracy. 

XXXX. Inquiries XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I dispute this inquiry as I do not recall authorizing it. Please provide evidence of my consent. 

XXXX. Late Payments XXXX XXXXXXXX XXXX XXXX XXXX Account No. XXXX XXXX Account XXXX. XXXX I dispute any reported late payments on these accounts. Please verify payment history directly with the creditor and provide documentation.mmediately.

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 2025-11-11 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit Acceptance Corporation are continuing to report derogatory, unfair and untrue information to my XXXX XXXXedit file. I have asked XXXX  and Credit Acceptance numerous times to remove this information because they are reporting false information. The vehicle in question was a XXXX XXXX XXXX that was involved in a crash on XX/XX/XXXX. I was hit by an XXXX XXXX and the driver 's insurance company XXXX XXXX XXXX paid {$8800.00} to Credit Acceptance. I had not received any correspondence via postal service nor email that this account wasn't paid off. As a matter of fact I hadn't heard anything from Credit Acceptance until this year when I started looking into purchasing a home, which is when I found out that they were sending information to XXXX as if this account was current. Reporting that I'm 120 days late XXXX times. I have asked Credit Acceptance and XXXX XXXXo remove this derogatory account from my credit file and they haven't. Please also note that XXXX  is the only credit agency allowing these false-inaccurate and unfair credit practices.

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 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I previously moved out of the residence associated with this account and requested XXXX XXXX to disconnect my service. XXXX failed to terminate service as instructed, and the new tenant began using electricity under my former account, resulting in charges that do not belong to me. The company began to contact me and harass me after I asked for proof of debt it was never sent and I was told I would be arrested If I didnt pay the debt after providing the company with proof that I moved out of the unit and signed a new lease somewhere else

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 writing to dispute certain inaccuracies in my credit report from Experian. The following items need to be addressed : Charged Off Accounts : [ Account Name ], [ Account Number ], [ Account Date ], [ Balance ] ( Please specify the details ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please review and correct these inaccuracies as necessary.

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 2025-11-11 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:
I am disputing the following accounts as they do not reflect accurate reporting. The details are as follows : CHARGED OFF XXXX, Account Number : XXXX, Date Open : XX/XX/year>, Balance : {$0.00}

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 2025-11-11 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:
This letter serves as my formal dispute of the charged-off accounts, inquiries, and late payments listed on my TransUnion credit report. I am requesting that these items be reviewed for accuracy and corrected as necessary in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$4700.00} Inquiries XXXX XXXX XXXX Accounts : None Late Payments 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 non-monetary relief