vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: NV

Complaint narrative:
On XX/XX/year>, a collection account from XXXX XXXX XXXX for XXXX in the amount of {$1700.00} was reported on my credit file. I disputed this account with all three credit bureaus ( TransUnion, XXXX XXXX ) in XX/XX/year> under my rights provided by the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). 

I sent written dispute letters, copies of my identification, proof of address, and highlighted credit reports via certified mail. The bureaus either : 1. Failed to provide a full investigation and proper documentation within 30 days, or 2. Verified the account without supplying any signed contracts, itemized billing statements, or proof that the information is accurate, complete, and legally reportable. 

Because the debt remains unverified and incomplete, its continued reporting violates the FCRA. This inaccurate account is damaging my creditworthiness and causing financial harm. 

I am requesting that the Consumer Financial Protection Bureau ensure compliance and require the credit bureaus to either : Permanently delete the unverifiable collection and any other inaccurate accounts, or Provide full documentation proving their accuracy and legal basis for 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 2025-10-14 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation, they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees.

The accounts listed in my letter are not 100 % accurate, and I demand that they be thoroughly and completely investigated. In addition, I have filed a police report for identity theft, and I am submitting it together with my three dispute letters as supporting documentation to prove the fraudulent nature of the accounts being reported.

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 2025-10-14 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by TransUnion. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report.

If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. 
The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

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 2025-10-14 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-14 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: PA

Complaint narrative:
Formal Dispute Request for Immediate Deletion of Inaccurate Collection Account Re : XXXX XXXX Collection AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} Dear Credit Bureau Representative : I am writing to formally dispute the inaccurate and unverifiable collection account reported under the name XXXX  XXXX, with partial account number XXXXXXXX XXXX XXXX XXXX XXXX, showing a balance of {$500.00} and a reporting date of XX/XX/year>. 
This tradeline is inaccurate, incomplete, and unverifiable, violating the Fair Credit Reporting Act ( FCRA ), Metro 2 Reporting Standards, and UDAAP ( 12 U.S.C. 5531 ). Therefore, I demand its immediate, complete, and permanent deletion from all credit files.

Legal Violations and Factual Inaccuracies 1. Lack of Verification Documentation Under FCRA 611 ( a ) ( 7 ), I am entitled to a description of the reinvestigation and the method of verification per 609 ( a ) ( 1 ) ( A ). You must disclose whether the furnisher verified the account manually or through an automated system ( e.g., e-OSCAR ).

2. Failure to Assure Accuracy ( FCRA 607 ( b ) ) The bureaus and data furnisher failed to maintain maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ). The account shows inconsistent or incomplete data fiel
ds, including missing charge-off details and inaccurate balance chronology.

3. Metro 2 Non-Compliance The tradeline omits essential XXXX XXXX base fields ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Status ). This renders the account technically invalid under the XXXX XXXX XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: GA

Complaint narrative:
I settled my balance with Credit Control and it hasnt been removed from my credit report.

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 2025-10-14 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I reached out to American Express and explained to them I needed a 1099C I also explained to them that I know that American Express credit department no longer holds the debt. It is a subsidiary or a holding company that is traded on the open market. American express that is reporting on my credit report is no longer the debt holder its been charged off and they are no longer the holder of the debt I can prove this through the 1099C that they have not sent to me so that I can prove I no longer owe this debt I would also like the CFPB to draft a MOV LETTER ON MY BEHALF TO THE CREDIT REPORTING AGENCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: OH

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 trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : 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
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: WI

Complaint narrative:
I tried to purchase a media player from a company in XXXX, XXXX XXXX XXXX XXXX. I placed the order on their website, totalling {$160.00}. About a week after placing the order, the company sent me an email demanding that I pay an additional {$12.00} " tariff fee. '' I immediately refused to pay this, and requested that they cancel my order and give me a refund. They never responded to my request. I then disputed the charge with Capital One Credit Card. Finally, about 3 weeks later the seller asked me to return the product. The problem here is that I never received a product! I have no shipping confirmation or tracking number or anything from the seller, nothing. I keep asking Capital One to help resolve this issue, but they keep refusing my claim. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
- My flood insurance policy was issued through XXXX XXXX XXXX XXXX XXXX. 
- The policy expired on XX/XX/year>, due to non-payment from my escrow account. 
- My home insurance company sent my mortgage company at least XXXX notification of the upcoming renewal by XX/XX/year>. This was sent on XX/XX/year>, and XXXX  to me. 
- I personally contacted my mortgage company on XX/XX/year>, and again on XX/XX/year>, to request that they send payment and ensure no lapse in coverage. I was informed a formal complaint was filed on XX/XX/XXXX and payment would be sent, and was told on XX/XX/XXXX that a payment was being sent. I reiterated the urgency and stated many times that the policy would expire on XX/XX/year>, if payment was not received. 
- Despite holding sufficient funds in escrow, my mortgage company failed to act. 
- My mortgage company never contacted me to alert me of any issue with the flood policy or the escrow payment. 
- I have since reinstated flood insurance coverage with XXXX XXXX, with a new effective date of XX/XX/XXXX, XXXX a full month of uninsured risk due solely to my mortgage company 's negligence. 
- I sent a certified letter to my mortgage insurance company asking for the following : XXXX. A full investigation and written explanation of why my flood insurance premium was not paid from escrow on time. 
XXXX. A timeline of all communications my mortgage company received from my flood insurance company or my home insurance company regarding this policy renewal. 
XXXX. A statement confirming the current balance and status of my escrow account. 
XXXX. A plan of action or remediation my mortgage company will undertake to ensure I am protected and that this issue is corrected going forward. 
XXXX. Written assurance that this lapse will not negatively impact my mortgage status or result in any forced-placed insurance activity. 
- I gave them XXXX days to acknowledge receipt of my letter, which they did, and XXXX days to provide a response, which they replied that they would need additional time to investigate. That is where it stands currently, thus the complaint for failure to provide the requested information within XXXX business days of letter receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I currently have an account with XXXX, XXXX. I am disputing my credit limit with them. XXXX has been reporting my limit to equifax for past 10 months at {$2000.00}. I received an email from XXXX on XX/XX/year> stating that my credit limit increased to {$1300.00}. I received an email from equifax XX/XX/year> that my rank had changed due to my XXXX account limit dropping from {$2000.00} to {$1800.00}. I called XXXX to find out why they reduced to {$1800.00}. XXXX informs me that my limit has never been {$2000.00}. It has always been {$1300.00}. I recall my limit being {$2000.00}. This discrepancy is drastically changing my credit score. I have also requested a call back from a supervisor at XXXX. Awaiting this call. XXXX needs to keep my limit at {$2000.00} which is what has been on my credit report with Equifax for almost XXXX year. I have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
In 2025, I was the victim of a phishing scam through email, which led to the theft of all my personal information. The individuals responsible even forged my signature to open accounts and initiate inquiries that I never authorized. As a result, several accounts were opened under my name without my consent. 

I have tried multiple times to contact Experian and the involved banks to request the immediate blocking of these fraudulent accounts and to obtain a prompt resolution to my case. However, the only response I keep receiving is that they are unable to assist me because they allegedly can not verify my IDdespite the fact that my identification is clear, valid, and fully legible. These seem to be excuses to avoid providing the help I urgently need.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the deletion of multiple inaccurate and outdated personal identifiers currently appearing on my Experian credit report.

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I need to block and remove this account : AMEX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX XXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXXXXXX XXXX, TX, XXXX Re : Dispute of Collections Account # XXXX / XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collection account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within XXXX  days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

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 explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-14 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: CO

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 2025-10-14 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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