vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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:
Between XX/XX/XXXX and XX/XX/XXXX, I submitted multiple formal disputes to TransUnion regarding inaccurate, unverifiable, and potentially fraudulent tradelines. These included accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX, Fig Loans, and others. I specifically requested full documentation verifying each accountsuch as the method of verification, the name and contact of the furnisher, and proof of charge-offs including account ledgers or billing records. 

Despite receiving these disputes via certified mail ( with XXXX delivery confirmation ), TransUnion failed to : Conduct a lawful reinvestigation within the XXXX window as required by FCRA 1681i, Provide verification or supporting documentation for any of the accounts, Respond with the method of verification under 1681i ( a ) ( 6 ) and 1681i ( a ) ( XXXX ), XXXX several XXXX as disputed, violating 1681s-2 ( a ) ( 3 ), Remove or suppress unverifiable accounts, even though other bureaus have already done so. 

Texas XXXX XXXX and XXXX Funding have already been removed by Experian, while XXXX XXXX XXXX has acknowledged my formal FDCPA and FCRA validation demand dated XX/XX/XXXX, which legally bars them from further reporting or collection until they fully validate the debt. To date, XXXX has failed to produce the required documentation, including proof of assignment, a signed contract, or an itemized balance breakdown. Yet TransUnion continues to report this item despite having been placed on notice of the dispute and legal standstill. 

Several charge-offs and collections remain listed without proof of accuracy, ownership, or authorizationincluding items from XXXX XXXX XXXX XXXX Loans, and Possible Finance. TransUnion has also continued to report medical debt without providing XXXX documentation, potentially violating 45 CFR 164.508 and FCRA 1681b. 

I have not received any reinvestigation summary, verification evidence, or accurate correction of my file. This ongoing misconduct has caused severe credit damage, denials of credit opportunities, and emotional and financial distress. XXXX failure to follow FCRA mandates shows a pattern of willful noncompliance.

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 2025-05-05 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 

Account Name XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9500.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Request to Update and Correct Personal Information To Whom It May Concern, I am submitting this formal request to correct inaccurate personal identification information on my credit file. I am requesting that all outdated, incorrect, or prior addresses be removed and that my current residential address be updated as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The addresses currently reported on my credit file are incorrect and outdated. I no longer reside at those addresses, and their presence has contributed to confusion in my credit history and possible unauthorized activity or misreporting. As required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), I am entitled to accurate and complete information on my credit report. 

I am enclosing the following documentation as verification of my current address : 1. Copy of my government-issued ID with my current address 2. Recent utility bill or lease agreement Previous Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit profile to reflect the accurate, current address listed above and confirm this correction in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

Enclosures : Copy of valid photo ID Proof of current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have investigated my Experian credit report ( XXXX XXXX : XXXX, Date Created : XX/XX/XXXX ). 

My Experian Credit Report is still showing inaccurate data for XXXX Bank XXXX Account reported in my Credit Report. 

Under " 15 U.S. Code 1681e ( b ) 'Accuracy of Report ' '' essentially states that whenever a consumer reporting agency prepares a consumer report, they must follow reasonable procedures to ensure the maximum possible accuracy of the information included about the individual ; Purpose : To require credit reporting agencies ( CRAs ) to implement reasonable procedures to guarantee the accuracy of consumer reports they generate.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Accurate reporting of the date of first delinquency is essential to ensure that consumers are not penalized with negative credit reporting for longer than the seven-year period allowed by the FCRA. 

Importance of Accuracy : The date of first delinquency is crucial because it dictates the seven-year window for negative information to remain on a credit report, according to the FCRA Please see the errors in XXXX Bank XXXX Account XXXX my Experian credit report ( File Number : XXXX, Date Created : XX/XX/XXXX ). 

Account Name XXXX BANK XXXX Account Number XXXX PLEASE SEE PAGES XXXX AND XXXX OF XXXX IN MY EXPERIAN CREDIT REPORT IN ATTACHMENTS WITH RED MARKS ON THE INACCURATE ITEMS FOR THIS XXXX BANK XXXX ACCOUNT XXXX. 
THIS XXXX BANK XXXX ACCOUNT IS NOT SHOWING MAXIMUM POSSIBLE ACCURACY ACCORDING TO 15 USC 1681e ( b ), " PAYMENT HISTORY '' DATA, " DATE OF FIRST DELINQUENCY '' DATA, " COMMENTS '' DATA ARE INACCURATE. 

PLEASE SEE MERRRICK_SUPPORTING DOCUMENTS IN ATTACHMENTS. THIS XXXX BANK XXXX ACCOUNT WAS PAST DUE IN XXXX AND IT HAS NOT BROUGHT CURRENT IN XXXX, AS SHOWING IN MY CREDIT REPORT. 
DELETE THIS ITEM IMMEDIATELY FOR FCRA VIOLATION 15 USC 1681e ( 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 2025-05-05 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX, acct number XXXX, XXXX {$8500.00} XXXX XXXX, acct number XXXX, XXXX {$7800.00} XXXX XXXX XXXX acct number XXXX, XXXX {$3300.00} XXXX XXXX XXXX, acct number XXXX, XXXX {$2600.00} XXXX XXXX, acct number XXXX, XXXX {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 writing to formally dispute the accuracy, completeness, and validity of certain items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The following account ( s ) appear on my credit report and contain inaccurate, unverifiable, or potentially misleading information. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and verify any disputed items within 30 days. To ensure compliance, I am requesting specific information regarding your verification process.

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 2025-05-05 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
A hard inquiry was made without authorization through 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between late XXXX and early XXXX, I was charged a total of {$4000.00} across multiple transactions on my Bank of America account ending in XXXX. These charges were associated with deceptive online platforms using different names such as XXXX, XXXX, XXXX, XXXX, and XXXX. I did not authorize these charges, nor did I receive any goods or services in return that would justify the continued billing. 

On XX/XX/XXXX, I attempted to cancel all associated services directly through the platforms internal process. However, no confirmation email or cancellation receipt was provided. I did not consent to any recurring charges beyond this date. The platforms use multiple aliases to obscure billing activity and make cancellation difficult, which I now understand is a tactic often used by subscription-based scam operations. 

When I discovered the continued charges, I immediately filed a dispute with Bank of America. However, the bank denied my claim, stating the transactions were authorized by me or someone I gave permission to. I was not given the opportunity to submit supporting documents, nor was I contacted by the Dispute Department to provide my side of the story. 

Due to my work schedule and the Dispute Departments limited weekday hours, I was unable to reach them by phone. There is also no way to submit supporting evidence online or via secure email, making it impossible for me to fully present my case. 

I believe Bank of America mishandled my dispute by siding with merchants who use misleading billing practices without conducting a thorough investigation or giving me a chance to defend myself. I am now requesting a full refund of {$4000.00} and a formal review of how my dispute was processed.

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 2025-05-05 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: GA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On Wednesday XX/XX/year> at approximately XXXX I visited an ATM in XXXX XXXX  to withdraw {$1000.00}. The ATM machine malfunctioned and I did not receive my funds. I called the bank at XXXX on the same day and filed a claim to dispute the transaction. I was told the funds would be released in XXXX business days once the situation was investigated. As of XXXX  the funds have not been released and I do not have a status update as of yet. I have tried to contact the merchant XXXX  and have been on hold for XXXX min with no answer.

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 monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Misleading information for Credit Card matches from Experian. They repeatedly send me emails stating I have credit card matches to look at. Many times, it says I have " new '' matches. After my credit suffering so bad because of XXXX XXXX needed, I go and check, but no matches. It wastes my time and effort. I believe Experians advertising and credit matching tool is misleading and does not accurately reflect real credit card offers. 

Request : I would like the CFPB to investigate Experians practices and ensure they provide accurate and truthful information to consumers. I have the emails to show this, and they never resolved any of my previous issues as well. Experian should be held accountable for how they are handling millions of people 's 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 2025-05-05 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I recently received notification that my application for a Barclays credit card was approved. After activation, I attempted to use the card at my local XXXX XXXX, where it was flagged for fraud. I contacted the fraud department and the issue was resolved. However, when I tried to use the card at XXXX shortly thereafter, it was declined again due to a required verification process. 

I was informed that in order to proceed, I must mail copies of personal documents including my drivers license, passport or birth certificate, along with a utility bill and/or signed 1040 tax form. I was told this process must be completed via postal mail or faxno secure portal or digital alternative is available, according to a manager named XXXX. 

I am reaching out to verify the legitimacy of this request and to express my concerns. While I fully understand the need for identity verification, I find the scope of documents requestedparticularly after account approvalboth excessive and risky, especially considering todays heightened concerns around identity theft. Mailing such sensitive documents without a secure method of transmission feels outdated and insecure. 

Given that your Barclays mobile app uses facial recognition and their website offers multi-factor authentication, I am confident there are more secure, modern options for identity verification. 

Could you please confirm : Whether this request was made by Barclays, is indeed financially ethical ; The specific reason these particular documents are needed at this stage ; Whether there are more secure alternatives for submitting the required information. 

I would appreciate your prompt response so that I may proceed with confidence. I am willing to cooperate fully if the verification process can be handled in a secure and transparent manner.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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