vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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, Balance : {$8600.00} 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, Balance : {$0.00} XXXXXXXX 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, Balance : {$0.00} 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

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A Capital One credit card was falsely opened in my name on XX/XX/year>. I contacted Capital One and XXXX to put a fraud alert on my account and remove the inquiry from my credit report. It has been more than 90 days and the inquiry still hasnt been removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX SSN : XXXX Date : [ Todays Date ] To Whom It May Concern : I am writing to formally request that you investigate and remove the following hard inquiries from my credit report, as I do not recognize them and believe they may be unauthorized. Please also update my current address in your records to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Below are the inquiries I am disputing : Equifax XXXXXXXX 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 XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Please investigate these inquiries and remove any that are determined to be unauthorized. Also, kindly confirm that my credit report reflects my updated address as listed above. 

Thank you very much for your assistance. I look forward to receiving confirmation of the results of this investigation. 

Sincerely, 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 2025-06-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX SSN : XXXX Date : [ Todays Date ] To Whom It May Concern : I am writing to formally request that you investigate and remove the following hard inquiries from my credit report, as I do not recognize them and believe they may be unauthorized. Please also update my current address in your records to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Below are the inquiries I am disputing : Equifax XXXXXXXX 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 XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Please investigate these inquiries and remove any that are determined to be unauthorized. Also, kindly confirm that my credit report reflects my updated address as listed above. 

Thank you very much for your assistance. I look forward to receiving confirmation of the results of this investigation. 

Sincerely, 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 2025-06-30 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: NY

Complaint narrative:
XXXX, did not send me my consumer right letter or email. The agency also failed to do a full investigation on my claim against XXXX XXXX XXXX. The account has inaccurate information from payments that werent made on a few months and the creditors mark as paid, also creditor has XXXX XXXX as a co-signer and that is inaccurate this person did not authorize that. XXXX XXXX was harass by phone and text also XXXX XXXX received the same treatment. I request for this account to be deleted right away. I attached some payment history shown by the credit agency XXXX and experian

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 2025-06-30 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: NY

Complaint narrative:
Transunion, did not send me my consumer right letter or email. The agency also failed to do a full investigation on my claim against XXXX XXXX XXXX. The account has inaccurate information from payments that werent made on a few months and the creditors mark as paid, also creditor has XXXX XXXX as a co-signer and that is inaccurate this person did not authorize that. XXXX XXXX was harass by phone and text also XXXX XXXX received the same treatment. I request for this account to be deleted right away. I attached some payment history shown by the credit agency XXXX and 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 2025-06-30 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: NY

Complaint narrative:
XXXX, did not send me my consumer right letter or email. The agency also failed to do a full investigation on my claim against XXXX XXXX XXXX. The account has inaccurate information from payments that werent made on a few months and the creditors mark as paid, also creditor has XXXX XXXX as a co-signer and that is inaccurate this person did not authorize that. XXXX XXXX was harass by phone and text also XXXX XXXX received the same treatment. I request for this account to be deleted right away. I attached some payment history shown by the credit agency equafax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian - Is showing ( 2 ) similar Debt collection loans the original Loan which was open XXXX. XXXX and discarged in XXXX by XXXX XXXX and a duplicate 2nd same loan under the Name XXXX XXXX XXXX. 

Experian the correct Loan is XXXXXXXX XXXX, all the information for XXXX XXXX is correct. 

The XXXX XXXX XXXX, is not correct the balance is false, I never open an account with XXXX XXXX XXXX or XXXX. They should not be on my credit report.... 
I would like experian to only show ... the original account which is XXXX XXXX and remove XXXX XXXX XXXX. 
-- -- -this is fraud -- -- -- being placed on 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint because Experian is reporting inaccurate and misleading information about a XXXXXXXX XXXX  credit card account in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). 

On XX/XX/XXXX, XXXXXXXX XXXX  issued IRS Form 1099-C, canceling {$11000.00} of credit card debt and reporting the discharge to the IRS. This form signifies that the creditor canceled the debt and is no longer seeking payment. 

Despite this, Experian continues to report the account with a past-due balance of {$11000.00} and has marked it as charged off through XX/XX/XXXX. This is materially inaccurate. A debt can not be both canceled and charged off with a remaining balance. 

I previously disputed this error and included a copy of the 1099-C. Experian completed its reinvestigation but left the inaccurate information unchanged. 
This account should not reflect a balance or show ongoing derogatory activity after cancellation. The continued reporting of this debt misleads creditors, affects my credit score, and violates Experians duty to report with 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 explanation
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
On XX/XX/XXXX, I sent a certified debt validation letter to XXXX XXXX XXXX regarding a {$1700.00} collection account originally from XXXX XXXX Bank. They received my letter on XX/XX/XXXX, but they have failed to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Despite not validating the debt, XXXX XXXX XXXX is still reported this account to the credit bureaus on the XXXX of XXXX. Then they recently updated the balance date on XX/XX/year>, causing a significant drop in my credit score. This appears to be re-aging of the debt, which is illegal under the Fair Credit Reporting Act ( FCRA ) if done to mislead or extend the reporting period. 

This account is negatively impacting my credit score dropping it by XXXX points and XXXX has provided no evidence that this debt is valid or legally collectible. 

I am requesting that this account be immediately removed from all credit reporting agencies due to lack of validation and improper credit reporting activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am absolutely fed up. An account that was previously deleted from my credit report has now mysteriously reappeared, and I want answers. I did not authorize this, I was not notified, and I never received any documentation showing that this account was certified for reinsertion. This is not only careless, it is a direct violation of federal law. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you are legally required to notify me in writing within five business days if any deleted information is reinserted into my credit file. You failed to do that. There was no notice, no certification from the furnisher, and absolutely no transparency. Just a quiet and unauthorized reinsertion of an account that was already disputed and removed. Thats not just wrong, its illegal. Let me be clear : this account ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX was removed for a reason. It was properly disputed, investigated, and deleted. The fact that its now back on my report without any communication is a blatant disregard for the law and my rights as a consumer. This reinsertion was done behind my back and without any legitimate justification. You also violated 15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to ensure maximum possible accuracy, and 15 U.S.C. 1681b by re-reporting this information without any new permissible purpose. Ive had enough of this kind of negligence. Its exhausting and completely unacceptable. I am demanding the immediate and permanent deletion of this reinserted account from my credit report. This situation is not only unfair and harmful, its also creating emotional distress and damaging my financial well-being. I should not have to constantly monitor my credit just to make sure youre following the law. I am also prepared to pursue legal action under 15 U.S.C. 1681n and 1681o for your willful and negligent noncompliance. This is your final opportunity to make it right fix this now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 57XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} PXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX O XXXX AUT Date : 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 non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I placed a {$39.00} order with XXXX XXXX using my PayPal balance. 
Only {$16.00} was charged when part of the order shipped. The remaining {$23.00} was for a backordered item that was cancelled by me through XXXX website before it shipped. 

XXXX confirmed the {$23.00} was never charged or captured. They can not issue a refund because they never received that portion of the funds. 

PayPal support originally told me the {$23.00} was a temporary authorization and would be returned to my PayPal balance by XX/XX/year>. Today is XX/XX/XXXX, and the money has not been returned, nor does it appear in my transaction history. 

Ive contacted PayPal multiple times, but they deny any responsibility and continue to refer me back to the merchant, who has done everything required on their end. 

Im seeking immediate return of the {$23.00} that is being held in my PayPal balance for a cancelled item that was never charged. This has been mentally exhausting and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 feel I was negative Impacted by TRANSUNION hurting my chances at credit after receiving response to my early disputes to block fraudulent accounts that were opened under my name and social security number by a thief. Transunion Claim my FTC ID report I filed at XXXX is not an official report and my Police report I filed with XXXX XXXX police department is not Official .This is a violation of FCRA law. I demand a fair and full delete and block the accounts mentioned. See attached list of fraudulent accounts and Police Report with a case Number as well as an official FTC ID theft report filed at the official website. This is a formal complaint against TRANSUNION.

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 2025-07-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm contacting you to report an unauthorized and potentially fraudulent inquiry on my credit report. Upon recent review, I noticed an inquiry from a company I have no affiliation with. I have not applied for any new credit, nor have I given consent for this credit check. This unexpected activity is extremely concerning, as I take the security of my financial information very seriously.

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 2025-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Account CNAC starting with numbers XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mai ' with receipt displaying my signature. If not, please delete account starting with XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I was just informed that this lender doesn't have a license to write loans in Nj and that the nterest rate of XXXX is XXXX. I have already paid them XXXX on a XXXX loan and still have more payments to go. Loan number not provided on customer portal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation