vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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:
I am submitting a formal dispute regarding the following items listed on my credit report with TransUnion : Inquiries : XXXX XXXX XXXX  Date : XX/XX/year> Description : I believe this inquiry is either incorrect or unauthorized. Please investigate its accuracy. 

Late Payments : XXXX  Account Number : XXXX Date of Late Payment : [ Insert Date if available ] Description : I am disputing this late payment as it appears to be inaccurately reported. Please verify the details of this late payment. 

XXXX Account Number : XXXX Date of Late Payment : [ Insert Date if available ] Description : I request that this late payment be reviewed for any discrepancies or errors, as it may not be accurately 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 non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-30 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: MO

Complaint narrative:
I have formally requested that all three credit bureaus provide documentation verifying the ownership of this account. Additionally, I have asked for the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have formally requested that all three credit bureaus provide documentation verifying the ownership of this account. Additionally, I have asked for the removal of this account 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 2025-10-30 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am filing this complaint regarding the accounts NAVY FCU XXXXXXXX XXXX XXXX XXXX XXXX and NAVY FCU XXXXXXXX XXXX XXXX XXXX XXXX, both reported as charge-offs with a balance of {$23000.00} and opened on XX/XX/year> and XX/XX/year>, respectively. I have no knowledge or association with these accounts, and they are being falsely reported on my credit file.

These unverifiable and inaccurate charge-offs are harming my credit reputation and violate FCRA 607 ( b ) and 611 ( a ), which require credit reporting agencies and furnishers to ensure maximum possible accuracy and to delete any unverifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-30 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: NJ

Complaint narrative:
I sent some documentation off to Experian last week and I got an email today stating that they had blocked the information that I had sent to them because they needed more information like a drivers license Social Security card or a lease which I gave them all the documentations, which is sitting up there telling a false information that I did not send them the documentation that they needed it which I had already sent them. I asked that they remove the hard inquiries that is on my credit report before Ill file an FTC report against them and I will get in contact with the XXXX  company about them not doing their investigations Correctly. I asked that they do a correctly investigation with all information that I have sent to them, including to remove personal information like the wrong name and the wrong address which I had sent them a lease with my new address on it. I have also had a FTC report that was done on XX/XX/XXXX of this month which experience is trying to say that its too old, which is not too old because its still brand new. Theyre not doing the fully investigation with all of the documentation that I have sent to them.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened my account at BMO online and cause I have alerts on my credit report they called me had to go through a series of verification steps to make sure it was me so I was fully verified upon opening the accounts. Once they were open I then transferred my funds into the accounts. That of course takes several days to complete, BMO doesn't issue out an atm card until the account shows a positive balance so wait 3-5 business days for the transfer to go through then wait another 7-10 business days for an atm card so you arent left with many options to get money out. I tried XXXX payments to my partner and other family and they were all denied cause it was a new account so under BMO suggestion they said I could send a check over night to someone as a bill pay so I did and they canceled it and put a hold on my account due to suspicious activity. I called in and confirmed it was my transaction and they then removed the hold and put my account under review cause now they question the validity of who i am. Meanwhile they have sent me no communication about any of this and staff are rude and hang up on you. So they told me I had to submit documentation and I did and they still refuse to lift the restrictions from my account which now has caused me to not be able to pay my bills buy food anything, I have late fees occurring and am getting further more in debt cause they are scamming me out of my money as all the reviews of this place say the same thing. This bank needs to be shut down, they are ruining people 's lives and causing serious problems that can take years to fix if they can be fixed but these payments of mine being late goes on my credit report, I want my money out of this place but they refuse to give it to me

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Transunion, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2025-10-30 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'CFPB Complaint Narrative  TransUnion & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmail: XXXX | Phone: XXXXDOB: XXXX | SSN (last 4): XXXXTransUnion LLCXXXX XXXX XXXX XXXX XXXXConsumer Complaint Against TransUnion and XXXX XXXX (Furnisher)\nRespondents: (1) TransUnion LLC  CRA; (2) XXXX XXXX  Furnisher. Account: XXXX XXXX XXXX (masked).\nSummary: My TransUnion report displays an XXXX XXXX  tradeline with multiple contradictions that\ncannot be accurate. The account is shown as closed XXXX  yet the file simultaneously reports a\nHigh Balance from XXXX to XXXX and shows updates as late as XXXX  with a balance and\ncollection rating snapshot. TransUnion also projects removal in XXXX while the Date of First\nDelinquency (DOFD) is not shown.\nIssues: (1) Postclosure activity reported; (2) Reaging via postchargeoff updates; (3) Missing\nDOFD/incorrect obsolescence date; (4) Misleading dual reporting (chargeoff + collection snapshot).\nApplicable law: FCRA 607(b) (maximum possible accuracy); 611(a) (reasonable reinvestigation and\nmethod of verification); 623(a)(1)(A) (furnisher duty of accuracy); 623(a)(5)(A) (duty to report DOFD).\nHarm: These errors depress my credit scores, impair access to credit, and cause emotional distress and\nwasted time. The contradictions make it impossible for me to validate the tradelines age and status.\nRelief requested: (a) Delete the tradeline or correct it to remove any activity after XXXX; (b) Restore\nand disclose the true DOFD; (c) Ensure the removal date is exactly seven years from the DOFD; (d)\nProvide a written methodofverification narrative; (e) Cease any reaging practices; and (f) Confirm\ncompliance to me in writing.\nSupporting evidence: I am attaching screenshots from TransUnions interface showing the contradictory\nfields (closure date XXXX; high balance XXXX; updated XXXX; removal XXXX;\nchargeoff status and collection snapshot).\nConsumer information for contact: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |\nEmail: XXXX | Phone: XXXX | DOB: 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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the accuracy and validity of a charge-off reported by Consumer Portfolio Services on my Experian credit file. The account in question is listed as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Type : Auto Loan Status : Charged Off / Written Off {$11000.00} Date Opened : XX/XX/XXXXXXXX  Reported Closed : XX/XX/XXXXXXXX  Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to request verification of any information that appears inaccurate or incomplete on my credit report. I am also exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) to request full validation of this alleged debt. 

Please provide the following : 1.The original signed contract or agreement that proves I am legally obligated to this debt.

2.A complete payment history, including how the current balance of {$11000.00} was calculated.

3.The name and address of the original creditor, and proof that XXXX XXXX XXXX currently owns or services the debt.

4.Verification that this account was reported accurately, including all dates, amounts, and account status updates. 

Until you can provide proper documentation verifying this debt, I request that the account be Permanently removed or marked as in dispute on my Experian credit file, as required by federal law. 

Please complete this investigation within 30 days of receiving this letter, as required by the FCRA. I also request written confirmation of the results and any supporting documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 2025-10-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the accuracy and validity of a charge-off reported by Consumer Portfolio Services on my Experian credit file. The account in question is listed as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Type : Auto Loan Status : Charged Off / Written Off {$11000.00} Date Opened : XX/XX/XXXXXXXX  Reported Closed : XX/XX/XXXXXXXX  Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to request verification of any information that appears inaccurate or incomplete on my credit report. I am also exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) to request full validation of this alleged debt. 

Please provide the following : 1.The original signed contract or agreement that proves I am legally obligated to this debt.

2.A complete payment history, including how the current balance of {$11000.00} was calculated.

3.The name and address of the original creditor, and proof that XXXX XXXX XXXX currently owns or services the debt.

4.Verification that this account was reported accurately, including all dates, amounts, and account status updates. 

Until you can provide proper documentation verifying this debt, I request that the account be Permanently removed or marked as in dispute on my Experian credit file, as required by federal law. 

Please complete this investigation within 30 days of receiving this letter, as required by the FCRA. I also request written confirmation of the results and any supporting documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2025-10-30 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: MO

Complaint narrative:
Subject : Request for Removal of Unverified Negative Information FCRA Violation, Lack of 30-Day Notice, and Escalated Complaints Filed To Whom It May Concern, I am submitting this formal complaint and request for removal concerning inaccurate and improperly handled information appearing on my credit file. This matter involves a violation of the Fair Credit Reporting Act ( FCRA ) and a failure to follow federally required consumer notification procedures.

Furnisher/Creditor Name : XXXX XXXX XXXX XXXX Account Number ( if applicable ) : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Original Reporting : XX/XX/XXXX During my previous dispute regarding this account, the furnisher reported negative information to one or more consumer reporting agencies without providing the required 30-day written notice, as set forth under 15 U.S.C. 1681s-2 ( a ) ( 7 ). Furthermore, upon formally disputing the accuracy of the item, I received no validation of the account within the statutory 30-day reinvestigation period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Because the information was never validated and the notice obligation was ignored, this entry should have been deleted under 1681i ( a ) ( 5 ) ( A ).

Due to the temporary suspension of FTC consumer intake during the federal government shutdown, I have escalated this matter by submitting formal complaints to the following agencies for record and oversight : Missouri Attorney General Consumer Protection Division ( Complaint filed approximately XXXX XXXX XXXX XXXX CST ) Internet Crime Complaint Center ( IC3 ) Complaint No. XXXX These filings document my attempts to seek resolution through lawful channels while the FTC system remains inaccessible.

In light of these procedural violations, lack of proper notice, and failure of verification, I respectfully request that this negative item be removed from my credit report either : As a matter of statutory compliance under the FCRA ; or As an act of goodwill, reflecting your commitment to fair and accurate consumer reporting practices.

Enclosed are supporting materials, identity verification, and documentation of the above complaints. Please confirm receipt of this letter and provide written notice of any corrective action taken.

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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