vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am submitting this complaint regarding a failure to conduct a proper reinvestigation under the Fair Credit Reporting Act. 

The company continues to report a collection account with the following details. 

Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone ( XXXX ) XXXX Account details Original creditor : The XXXX XXXX  Account type : Collection agency or attorney Responsibility : Joint account Date opened : XX/XX/XXXX High balance : {$7800.00} Past due : {$7800.00} Pay status : Collection Date updated : XX/XX/XXXX Remarks : Completed investigation of FCRA dispute consumer disagreed, placed for collection I formally disputed this account with the credit reporting agencies. The furnisher verified the account without conducting a reasonable reinvestigation. The response failed to address the substance of my dispute and relied on automated verification instead of reviewing underlying evidence. 

This conduct violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) Failure to conduct a reasonable investigation after receiving notice of a dispute.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Failure to review all relevant information provided by the credit reporting agencies.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) Failure to report the results of a complete and accurate investigation.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Failure to correct or delete information found to be inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) Continued furnishing of inaccurate information to consumer reporting agencies.

The furnisher did not provide validation, documentation, or evidence showing contractual liability, accurate balance calculation, or lawful placement for collection. The notation stating the investigation was completed while the consumer disagreed supports a perfunctory process rather than a reasonable reinvestigation as required by law. 

I request the CFPB require the company to conduct a lawful reinvestigation, provide documented proof of accuracy, or delete the account from all credit reports. 

I am requesting written confirmation of the investigation method used, the records reviewed, and the specific evidence relied upon to verify this account.

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 2025-12-23 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: MI

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-23 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
I am submitting this formal dispute and complaint regarding inaccurate, misleading, and unverified information currently appearing on my Experian consumer credit report. A creditor is furnishing information that is factually incorrect and not legally owed, yet Experian continues to report and score this information despite my prior disputes. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i requires a reasonable reinvestigation when a consumer disputes inaccurate information. Experian has failed to meet these obligations.

The continued reporting of this inaccurate dataand the allowance of the same alleged obligation to be re-reported or duplicatedhas caused ongoing harm to my credit profile and credit score. This information is misleading to potential creditors and does not reflect my true creditworthiness.

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 2025-12-23 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: MD

Complaint narrative:
I am submitting this formal dispute and complaint regarding inaccurate, misleading, and unverified information currently appearing on my Experian consumer credit report. A creditor is furnishing information that is factually incorrect and not legally owed, yet Experian continues to report and score this information despite my prior disputes. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i requires a reasonable reinvestigation when a consumer disputes inaccurate information. Experian has failed to meet these obligations.

The continued reporting of this inaccurate dataand the allowance of the same alleged obligation to be re-reported or duplicatedhas caused ongoing harm to my credit profile and credit score. This information is misleading to potential creditors and does not reflect my true creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
FCRA Method of Verification Violation Amex/American Express I am filing this complaint regarding American Express for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 6 ) ( B ) ( iii ) and 623 ( b ).

I disputed the accuracy of my American Express account ( account ending in 15009 ) with the credit reporting agencies and subsequently requested the Method of Verification ( MOV ). American Express responded through CFPB correspondence dated XX/XX/year>. However, their response failed to provide the required Method of Verification. 
American Express did not identify : The name or position of the individual who verified the account The specific procedure used to verify the information The date the verification was conducted The specific documents relied upon to verify the account Instead, American Express relied on generic statements referencing internal records, billing statements, and a Cardmember Agreement. This does not satisfy the statutory requirement to disclose the Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Additionally, American Express stated that further documentation would only be produced pursuant to a subpoena, which demonstrates a failure to conduct or disclose a reasonable investigation as required under FCRA 623 ( b ).

Because American Express failed to properly respond to my Method of Verification request, the continued reporting of this account is inaccurate and non-compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am not connected to these listed accounts and request removal within 15 days as required by the 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 non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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 2025-12-23 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off 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

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 2025-12-23 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: FL

Complaint narrative:
It is unacceptable that public records appear on my credit report. This is causing me significant anxiety, and I urgently request that they be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MI

Complaint narrative:
Charged-Off Accounts in Dispute I dispute the following account on my Experian report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance {$0.00} This account is reported as charged off but shows a XXXX balance, which is confusing and inconsistent. I am requesting verification of the account status, ownership, and reporting accuracy, or deletion if it can not be verified.

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 2025-12-23 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: ID

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one refuse me a credit card and according to Title 15. Subsection 1611. False and misleading denial of my own credit and another thing I want a listing of all of the factors that were involved In this consumer. transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
Product : Credit reporting Company : TransUnion Account : XXXX XXXX XXXX ending XXXX Complaint Narrative ( Use This Verbatim ) I am submitting this complaint due to continued inaccurate reporting by TransUnion involving my XXXX XXXX XXXX credit card account ending in XXXX. 

XXXX XXXX XXXX have already corrected this account to reflect the accurate balance of {$5.00}, which is the true statement-cycle balance. TransUnion initially removed the temporary {$600.00} balance after prior dispute activity, but reinserted the same incorrect balance again, despite no new activity, spending, or delinquency on the account. 

The {$600.00} figure represents a temporary, fee-only annual charge that was paid immediately the same day it posted and did not represent revolving debt, utilization risk, or carried balance. Reporting this short-lived, mid-cycle fee as a current balance is misleading and does not reflect my actual payment behavior or credit risk. 

TransUnions continued re-reporting of this balanceafter it was already removed once and after other bureaus correcteddemonstrates a failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA 607 ( b ) ).

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 2025-12-23 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Companies involved Multiple third-party debt collection agencies reporting collection accounts on my XXXX  credit report ( see attached credit report ).

The report reflects three ( 3 ) separate collection accounts with a combined balance of {$3300.00}, reported as of XX/XX/XXXX. 

What happened I am disputing all collection accounts currently appearing on my XXXX  credit report. These accounts are inaccurate, incomplete, and/or unverifiable. Despite my rights under federal law, the collection agencies have furnished information without providing competent evidence of liability, ownership, or contractual obligation. 

Why this is illegal The collection agencies and data furnishers appear to be in violation of : FDCPA ( 15 U.S.C. 1692g ) failure to provide proper validation FDCPA ( 15 U.S.C. 1692e & 1692f ) deceptive and unfair practices FDCPA ( 15 U.S.C. 1692c ( c ) ) continued reporting without lawful basis FCRA ( 15 U.S.C. 1681e ( b ) ) failure to ensure maximum possible accuracy FCRA ( 15 U.S.C. 1681i ) failure to conduct a reasonable reinvestigation FCRA ( 15 U.S.C. 1681s-2 ) furnishing unverifiable information Automated or superficial verification is insufficient under XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Evidence preservation & tracking I am preserving copies of my credit reports, timestamps, delivery confirmations, dispute records, and any post-notice reporting activity. Any continued reporting without competent validation will be documented as willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
i had spent my money down to around XXXX dollars last night, knowing i wasnt going to spend anymore till my check. i also knew that i had no transactions that were going to take from my account, at least till next week from the XXXX of XXXX, so its the morning of the XXXX and i have XXXX, so i have to ask my boss for my check, in which he sent two transactions which come out to XXXX. i went and bought some breakfast for XXXX. so i called the truist help line and had them review it and they said that nothing was wrong and that i didnt have the negative balance. mind you you can take the balance i have now ( XXXX ) and add XXXX, that will leave you with XXXX, then you add that XXXX and you have the full XXXX i was sent. they tried pointing out to transactions that were pending for today, but i had paid these two tansactions 2 days ago now ( XXXX and XXXX ), and they had come out the bank at that time. i feel as if this is a BIG error and that i have been stolen from by truist here, and i have had my suspicions about if they have stolen money before and i just accounted it for my own errors but now that this has happened i believe when im close to a negative balance they XXXX in some pending transactions so that they can charge. XXXX calls it the " authorize positive, settle negative trick ''

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