vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
My TransUnion credit report is showing multiple addresses and personal information that are inaccurate and not associated with me. These errors are harming the accuracy of my file. 

Examples of inaccurate information currently showing on my TransUnion report : XXXX XXXX XXXX, XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Other duplicate/old addresses that are not current and should not remain listed My only correct current address is : XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX Keeping false addresses on my file is a violation of the Fair Credit Reporting Act ( FCRA ), which requires TransUnion to maintain accurate and complete consumer information. These errors may also be linked to accounts that do not belong to me. 

I have already attempted to dispute and correct this directly with TransUnion, but the inaccurate information remains.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, Upon reviewing my consumer report, I noticed late payment entries that appear to be inaccurate. I have always maintained on-time payments and have been a responsible consumer. As you know, consumer reporting agencies play a critical role in accurately reporting customer information, and it is imperative that this information reflects the truth. 
I have never missed a payment on the following account : account number XXXX  XXXX, Experian XXXX, XXXX  XXXX. For account XXXX  XXXX. Therefore, I am formally requesting an immediate investigation into this matter. Please provide supporting evidence, such as account statements or payment records, to validate the reported late payments. 
If these entries can not be substantiated, I request that the inaccurate late payment records be promptly corrected to reflect my actual on-time payment history. I take my financial obligations seriously and consistently meet them without delay. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and resolution.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : Lead Bank ( Self ) - Account Number ( masked ) : XXXX - Status Reported : Credit-builder loan, charged-off This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to continue my formal dispute as I do not agree with the results of the investigation conducted regarding XXXX XXXX XXXX Account # XXXX. According to XXXX XXXX, Experian, and Transunion this account has been flagged and updated with a new Charge-Off status on XX/XX/year>. XXXX XXXX and the credit bureaus seem to be in violation of FCRA and Metro 2 reporting laws. A proper investigation was not conducted and I'm afraid data points have been manipulated to perhaps improperly Re-Age my account which is further damaging my reputation with furnishers. According to FCRA 623 ( a ) ( 5 ) : Furnishers must report the true Date of First Delinquency ( DOFD ) .Please verify the Date of First Delinquency on this account and provide me with a copy of all results and the transcript of the call conducted to verify this information as it seems that after XXXX investigations the negligence continues and the unverified and inaccurate information continues to purposely be furnished on my credit report and has been damaging my reputation and caused adverse actions to be taken against me. If this can not be provided I urge you to delete/remove this account entirely from my credit report in a timely manner. Thank you.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I noticed on my credit report inaccurate erroneous information According to 15USC 1692 C violated of my rights by unlawful communications. Please remove this collection off of my credit report.

Thank you! 

XXXX XXXX XXXX acct # XXXX {$420.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a bankruptcy entry listed on my credit report. This bankruptcy is inaccurately reported and unverifiable, and I am requesting an immediate investigation and removal from my file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a ( 4 ), which affirms the right of consumers to privacy and accurate, fair credit reporting.

Upon reviewing my credit file, I noticed the following entry : Creditor/Filer : U.S. Bankruptcy CourtXXXX Date Filed : XX/XX/XXXX Case Number : XXXX Creditor/Filer : U.S. Bankruptcy Court-XXXX Date Filed : XX/XX/XXXX Case Number : XXXX I dispute the accuracy and validity of this bankruptcy information. I request that you : 1. Conduct a reinvestigation of this item with the original furnisher or reporting entity.

2. Provide written verification and documentation that supports the accuracy of this bankruptcy.

3. If verification can not be provided within 30 days as required under 15 U.S.C. 1681i, I demand the immediate removal of this entry from my credit report.

Please also note that public records such as bankruptcies are often gathered by third-party data furnishers without the consumers consent or authorization. If you can not directly verify the details from the original source ( e.g., the courthouse itself ), this item must be deleted.

Thank you for your prompt attention to this matter. Please send me a written confirmation of your findings and the results of your reinvestigation.

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 2025-09-23 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: NC

Complaint narrative:
I am writing to formally dispute a bankruptcy entry listed on my credit report. This bankruptcy is inaccurately reported and unverifiable, and I am requesting an immediate investigation and removal from my file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a ( 4 ), which affirms the right of consumers to privacy and accurate, fair credit reporting.

Upon reviewing my credit file, I noticed the following entry : Creditor/Filer : U.S. Bankruptcy CourtXXXX Date Filed : XX/XX/XXXX Case Number : XXXX Creditor/Filer : U.S. Bankruptcy Court-XXXX Date Filed : XX/XX/XXXX Case Number : XXXX I dispute the accuracy and validity of this bankruptcy information. I request that you : 1. Conduct a reinvestigation of this item with the original furnisher or reporting entity.

2. Provide written verification and documentation that supports the accuracy of this bankruptcy.

3. If verification can not be provided within 30 days as required under 15 U.S.C. 1681i, I demand the immediate removal of this entry from my credit report.

Please also note that public records such as bankruptcies are often gathered by third-party data furnishers without the consumers consent or authorization. If you can not directly verify the details from the original source ( e.g., the courthouse itself ), this item must be deleted.

Thank you for your prompt attention to this matter. Please send me a written confirmation of your findings and the results of your reinvestigation.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-23 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: NC

Complaint narrative:
On XX/XX/XXXX Venmo suspended my account they told me to upload my id and I did. I never received a follow up about my id. They sent another email on XX/XX/XXXX stating that I could transfer my money out by adding a bank account. Ive been trying to add a bank account and its not allowing me to add it to transfer the money out. I have {$1500.00} on there and i have not heard anything else from Venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXXXXXX XXXX XXXXXXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXXXXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX INCORPORATED | XX/XX/year> : I never authorized these inquiries. 
NATLCRSYS ( Original XXXX XXXX XXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX XXXX  | XX/XX/year> : I never authorized these inquiries. 
IR | XX/XX/year> : I never authorized these inquiries. 
IR | XX/XX/year> : I never authorized these inquiries. 
FACTUAL DATA | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> : I never authorized these inquiries. 
XXXX  ( Original XXXX XXXX XXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express had a promo on XXXX XXXX website advertising a {$500.00} statement credit when you purchase XXXX tickets within 6 months of your application being accepted. I applied, was approved and had a card number within 20 minutes and purchased 2 round trip tickets. When I received my 1st statement the credit wasnt there. I called and was told it may take a few weeks and that I had nothing to worry about. After receiving my 2nd statement with no credit, I called and was told I wasnt eligible and Amex customer service couldnt tell me why, and they would escalate my case. After several calls and chats that I was finally told last week through chat, 3 months later, that there was a threshold that I didnt meet to receive my sky miles. My promotion wasnt for sky miles, it was for a {$500.00} statement credit, so they have no idea what Im talking about. This is copied and pasted from the terms and conditions attached to this promo on XXXX website If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. Refer to pages 4 and 5 of the agreement I'm attaching. At no point have I ever mentioned sky miles. 

Please, go to XXXX XXXX ' website and choose a round trip ticket to anywhere for 2 people. Once you choose the seats, you'll see the promo on the right of the screen. It changes from {$200.00}, {$400.00} & {$500.00} but is still there as of right now. Click on the offer terms in the promo and you'll see for yourself, and I tried to get them to do that as well.

Company response to consumer: Closed with explanation