vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, Truist denied my fraud claim for a {$6000.00} transaction on my checking account. I did not authorize this transaction, nor did I receive any benefit from it. I contacted Truist and attempted to resolve the matter, but they closed my claim without properly investigating. 

XXXX denial letter stated that I authorized the transaction ( s ) and received benefit, which is incorrect. I asked the bank to provide copies of all documents, evidence, and investigation notes they used to reach that decision. They have not provided any of this information.

I believe Truist failed to follow Regulation E, which requires a reasonable and fair investigation when a consumer reports unauthorized transactions. They came to a conclusion without giving me any evidence or explanation regarding how they determined I authorized the transaction.

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 2025-11-21 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 no involvement with these accounts and request they be removed within 15 days under the Fair Credit Reporting Act.

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 2025-11-21 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


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 2025-11-21 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-21 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

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

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 2025-11-21 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: TX

Complaint narrative:
I am filing this complaint because my ALLY FINANCIAL account ending in XXXX is being reported inaccurately, inconsistently, and unverifiably across Experian, Equifax, and TransUnion, resulting in significant harm to my credit profile and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). All three bureaus show conflicting late payment information, including an alleged 30-day late payment for XX/XX/XXXX, while Equifax simultaneously reports a last activity date of XX/XX/XXXX, and Experian and TransUnion both list inconsistent and contradictory late payment entries, none of which align with my actual payment history. These discrepancies violate my rights under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, 1681i ( a ), which grants me the right to dispute and obtain a lawful reinvestigation, 1681i ( a ) ( 1 ) requiring the bureaus to investigate within 30 days, 1681i ( a ) ( 3 ) requiring verification of the disputed information with XXXX XXXX, 1681i ( a ) ( 6 ) requiring written notice of results, and 1681g ( a ), which guarantees my right to clear and complete disclosure. The inaccurate late payment reporting also violates 1681s-2 ( a ), which requires furnishers like XXXX XXXX to report only accurate, truthful information, and the continued publication of these errors may constitute willful or negligent noncompliance under 1681n and 1681o, exposing both the bureaus and the furnisher to civil liability. These inaccurate late payments are materially damaging my creditworthiness, causing financial stress and emotional hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this follow-up complaint to formally dispute and request the permanent removal of unauthorized and unverified credit inquiries that continue to appear on my credit report. These inquiries were made without my knowledge, consent, or any permissible purpose, violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a consumer reporting agency may only provide access to a consumer 's credit report when there is a legitimate permissible purpose and when the consumer has authorized such access. The presence of these inquiries without authorization constitutes a clear violation of these provisions. Additionally, under FCRA 605B 15 U.S.C. 1681c-2, consumers are entitled to block and remove unauthorized inquiries that were made without proper consent or verification. Furthermore, FCRA 619 15 U.S.C. 1681q prohibits obtaining a consumer report under false pretenses or without a permissible purpose. The following inquiries were not authorized by me and must be permanently removed from my credit file : 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 These unauthorized inquiries are damaging my credit profile and must be permanently deleted from my credit file to reflect accurate 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 2025-11-21 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccuracies on my Equifax, TransUnion and Experian credit report that are negatively affecting my credit profile and do not reflect my actual financial history. First, my addresses are reported inaccurately as 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. These addresses do not belong to me and are not associated with my account history. Reporting incorrect addresses constitutes misleading information under FCRA 609 ( a ) ( 1 ), which grants me the right to request verification of all personal information reported. I request that Equifax, TransUnion and Experian verify these addresses with proper documentation and remove or correct them to reflect only accurate addresses associated with my file. 

In addition, the following accounts are reported incorrectly as charged off or in collections : 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  Balance : {$0.00}. I dispute the accuracy and completeness of these entries. According to my records, payments were made timely, accounts were settled, or balances are inaccurate. These misreported delinquencies and charge-offs violate FCRA 611 ( a ) ( 1 ), which requires Equifax, TransUnion and Experian to conduct a reasonable reinvestigation when a consumer disputes information, and FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide only accurate information. I demand that Equifax, TransUnion and Experian contact the respective creditors to verify these accounts and correct or remove any unverified or inaccurate 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra
State: OH

Complaint narrative:
Ive had the account since XXXX and I had assets in bitcoin the account has been terminated due to the lawsuit. I was unaware of the lawsuit at the time because nobody legally informed me through the company So Im reaching out to get this resolved and hopefully get my funds returned to a new account or wallet

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am filing this complaint because XXXX XXXX XXXX and the XXXX credit bureaus ( Equifax, Experian, and TransUnion ) are reporting incorrect and inconsistent information on a closed credit card account. I have already disputed this information, but the errors are still showing. 

Under the Fair Credit Reporting Act, credit bureaus must report information with maximum possible accuracy ( FCRA 1681e ( b ) ) and must properly investigate disputes ( FCRA 1681i ). The information being reported on this account is not accurate, not consistent, and can not be verified. 

The account is shown as closed/charged off, but there is no Date Closed listed.

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 2025-11-21 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX and the XXXX credit bureaus ( Equifax, Experian, and TransUnion ) are reporting incorrect and inconsistent information on a closed credit card account. I have already disputed this information, but the errors are still showing. 

Under the Fair Credit Reporting Act, credit bureaus must report information with maximum possible accuracy ( FCRA 1681e ( b ) ) and must properly investigate disputes ( FCRA 1681i ). The information being reported on this account is not accurate, not consistent, and can not be verified. 

The account is shown as closed/charged off, but there is no Date Closed listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
I am submitting this follow-up complaint regarding the inaccurate, unverifiable, and unauthorized accounts and inquiries on my credit report, which I have previously disputed. Despite my prior efforts, these items continue to appear, causing significant harm to my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The accounts in dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2000.00}, and XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$8600.00}, none of which have been properly verified. These accounts are being reported without proper validation, violating FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ). Additionally, charged-off accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$7500.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$9400.00} ), XXXX BANK NA XXXX XXXX XXXX XXXX XXXX ( {$10000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$6400.00} ), and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( {$1900.00} ) are reported without any documentation to prove the validity of these balances, in direct violation of FCRA 611 ( a ), 623 ( a ), and 605B. The collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$10000.00} has also been reported without validation, violating FDCPA 809 and FCRA 807. Furthermore, I am disputing numerous unauthorized credit inquiries, including those from XXXX, XXXX, XXXX, and others, all of which were made without my consent, violating FCRA 604 ( a ) and 619. These inaccuracies, unverifiable entries, and unauthorized inquiries continue to harm my financial standing and violate my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
I am submitting this follow-up complaint regarding the inaccurate, unverifiable, and unauthorized accounts and inquiries on my credit report, which I have previously disputed. Despite my prior efforts, these items continue to appear, causing significant harm to my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The accounts in dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2000.00}, and XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$8600.00}, none of which have been properly verified. These accounts are being reported without proper validation, violating FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ). Additionally, charged-off accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$7500.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$9400.00} ), XXXX BANK NA XXXX XXXX XXXX XXXX XXXX ( {$10000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$6400.00} ), and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( {$1900.00} ) are reported without any documentation to prove the validity of these balances, in direct violation of FCRA 611 ( a ), 623 ( a ), and 605B. The collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$10000.00} has also been reported without validation, violating FDCPA 809 and FCRA 807. Furthermore, I am disputing numerous unauthorized credit inquiries, including those from XXXX, XXXX, XXXX, and others, all of which were made without my consent, violating FCRA 604 ( a ) and 619. These inaccuracies, unverifiable entries, and unauthorized inquiries continue to harm my financial standing and violate my rights under federal law.

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