vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
I am writing to dispute inaccurate and damaging information listed in my TransUnion credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated. 

It has come to my attention that TransUnion has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/scrub>XXXX XXXX ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
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 2025-06-20 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, a collection account was reported to the credit bureaus by Jefferson Capital Systems for the amount of {$7800.00}. The account was listed as a third-party collection, suggesting that the original creditor transferred or sold the debt to Jefferson Capital Systems . 

This debt was marked as unpaid and has appeared as a negative item on my credit report. However, I have not received any prior notice, documentation, or proper validation of the alleged debt before this entry was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CT

Complaint narrative:
Let me be absolutely clearthis complaint is not submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These errors are causing ongoing and serious harm to my financial standing and personal well-being.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
I've already delt with this card just finished with the last complaint. Were they resolved most of it. But now they are charging me. Double and next month triple. The minimum monthly payments. I only owe XXXX. They charged me XXXX minumium. I only paid XXXX in XXXX. I cant make XXXX payments. Now the keep calling me to pay.XXXX more this month and XXXX next month. That's 1\4 of what I owe. No way is a minumium payment. That " high on XXXX I belive its retaliation for complaint i filed already. Its hard to get them to understand. I have 8 other cards no other card I 's this. High for a min monthly. Payments. I've never paid this high of a payment before. Last month XXXX then XXXX.in XXXX. I just want pay this dam card off. I cant just focus on this card. Talking to them is a waste of time. I tried today. They cant understand the minimum payments are to high for the amount I owe. If I cant get help with this I m going to let them eat it. And deal with the credit hit. That would be a shame. Because I was paying good untill XXXXXXXX XXXX over charge. And now XXXXXXXX XXXX triple charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Im writing to urgently bring your attention to inaccurate and unacceptable information thats currently showing on my credit report. I take my credit and financial reputation seriously, and I expect the same level of accuracy and diligence from the agencies responsible for reporting on it. 

After reviewing my credit report, Ive found information that is flat-out wrong and not reflective of my actual credit history. This is more than just an inconvenienceits a serious issue that affects my ability to qualify for loans, secure fair interest rates, and maintain financial stability.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint against Bank of America for denying my credit card fraud claim ( # XXXX ) for {$6700.00}. 

The charges were made by fraudulent vendors including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These entities : Misrepresented themselves as legal and web development professionals, Impersonated USPTO attorneys ( XXXX XXXX and XXXX XXXX ), Promised deliverables including hosting, web/app development, trademark filings, and source code none of which were provided, Used fabricated documentation and deceptive communication to delay my awareness of the fraud. 

Bank of America initially credited my account, but later reversed the {$6700.00} citing that I failed to report the charges within 60 days of the first statement. However, the delay in reporting was due to ongoing deception, not consumer negligence. They provided false progress reports, fake CRM platforms, and legal scare tactics to mask the fraud. 

Under Regulation Z and the Fair Credit Billing Act, issuers must consider whether a consumer was prevented from discovering fraudulent activity due to deception. Bank of America denied my claim without fairly investigating this, even after I submitted : Evidence of impersonated legal counsel, Fraud reports to the FTC, IC3, and USPTO OED, Contradictions in hosting claims and fake receipts, A full UDRP complaint proving bad faith domain use and fraud. 

This is not a billing dispute this is a fraud case. I am requesting that the CFPB direct Bank of America to reopen the claim, reinstate the {$6700.00} credit, and conduct a proper investigation based on the substantial evidence provided.

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 2025-06-20 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:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-20 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
I am submitting a complaint regarding several unauthorized hard inquiries that appeared on my credit report. I did not apply for credit, nor did I give permission for the following companies to access my credit file. 

The inquiries occurred on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have no prior relationship or recent activity with these companies that would justify a hard credit pull. I believe these inquiries were made in error or without proper authorization. I have already taken steps to dispute the inquiries directly with the credit reporting agencies, but they have not been removed.

I am requesting that these unauthorized inquiries be fully investigated and permanently removed from my credit report to protect the accuracy of my credit history and prevent potential damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
To : Credit Reporting Agencies SubjecXXXX : Demand for Immediate Deletion of Unverifiable Dear credit reporting agencies, I am writing to formally dispute the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX account with a reported balance of {$25000.00} currently listed on my credit report. 

This account was previously reporting late payments and charge-off status on my XXXX credit report, which I disputed on the basis of inaccurate and unverifiable reporting previously disputed this account with XXXX due to inaccurate reporting of late payments. Upon completion of their investigation on XX/XX/year>, XXXX determined that the information could not be verified and deleted the account entirely from my XXXX credit report. For your review, I am attaching the official deletion confirmation from XXXX. As required by the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be removed from a consumers credit file. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute. Under 15 U.S. Code 1681e ( b ), all reported information must be held to the standard of maximum possible accuracy. Since XXXX has verified the account as unverifiable, and has removed it from their records, I am requesting that Equifax, Experian, and TransUnion do the same. Continuing to report an account that has been deleted due to lack of verification is a clear violation of the FCRA. If this account is not removed within the XXXX timeframe required by law, I reserve the right to pursue legal remedies under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, including damages and legal costs. Please conduct your reinvestigation promptly and provide written confirmation that this account has been removed from my credit file. Sincerely, 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 2025-06-19 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:
To : Credit Reporting Agencies SubjecXXXX : Demand for Immediate Deletion of Unverifiable Dear credit reporting agencies, I am writing to formally dispute the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX account with a reported balance of {$25000.00} currently listed on my credit report. 

This account was previously reporting late payments and charge-off status on my XXXX credit report, which I disputed on the basis of inaccurate and unverifiable reporting previously disputed this account with XXXX due to inaccurate reporting of late payments. Upon completion of their investigation on XX/XX/year>, XXXX determined that the information could not be verified and deleted the account entirely from my XXXX credit report. For your review, I am attaching the official deletion confirmation from XXXX. As required by the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be removed from a consumers credit file. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute. Under 15 U.S. Code 1681e ( b ), all reported information must be held to the standard of maximum possible accuracy. Since XXXX has verified the account as unverifiable, and has removed it from their records, I am requesting that Equifax, Experian, and TransUnion do the same. Continuing to report an account that has been deleted due to lack of verification is a clear violation of the FCRA. If this account is not removed within the XXXX timeframe required by law, I reserve the right to pursue legal remedies under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, including damages and legal costs. Please conduct your reinvestigation promptly and provide written confirmation that this account has been removed from my credit file. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-20 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for willfully and/or negligently reporting inaccurate information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Is not my debit. I have never lived in XXXX, FL. 



This violates my rights under : 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to remove unverifiable information from my report after reinvestigation.

15 U.S.C. 1681n : Willful noncompliance with the FCRA, making them liable for damages, costs, and attorneys fees.

15 U.S.C. 1681o : Negligent noncompliance with the FCRA, also allowing for recovery of actual damages.

The agency has not provided sufficient evidence of the accuracy of the disputed item ( s ), nor have they removed the inaccurate entries. As a result, I have suffered negative impacts on my creditworthiness and access to financial services.

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 2025-06-20 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 filing this complaint against Equifax for willfully and/or negligently reporting inaccurate information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Is not my debit. I have never lived in XXXX, FL. 



This violates my rights under : 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to remove unverifiable information from my report after reinvestigation.

15 U.S.C. 1681n : Willful noncompliance with the FCRA, making them liable for damages, costs, and attorneys fees.

15 U.S.C. 1681o : Negligent noncompliance with the FCRA, also allowing for recovery of actual damages.

The agency has not provided sufficient evidence of the accuracy of the disputed item ( s ), nor have they removed the inaccurate entries. As a result, I have suffered negative impacts on my creditworthiness and access to financial services.

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 2025-06-20 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:
Fraudulent activity has resulted in accounts being listed under my name. I did not authorize or open them. Under 15 U.S. Code 1681g, I request their removal within 15 days. Please see attached documents.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry reported on my credit file for the month of XX/XX/2025. According to my records, a 90-day late payment has been incorrectly reported for an account. This entry is factually incorrect and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I made a verified payment toward this account on XX/XX/ 2025, well within a timeline that would not constitute a 90-day delinquency. According to standard reporting practices, a payment that would trigger a 90 days late status should reflect three consecutive missed billing cycleswhich is clearly not the case here. 
I also made another payment on XX/XX/2025.

This erroneous late payment is having a significant negative impact on my credit score and overall financial standing. I am a mother who can not afford to have this impact the well being of the family I support. Under the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I am requesting that this matter be investigated and

Company response to consumer: Closed with explanation