vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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:
On or around XX/XX/2025, I submitted a written dispute directly to TransUnion regarding inaccurate or unverifiable information on my credit report. I provided all required identifying information and documentation. TransUnion responded by falsely claiming the dispute appeared to come from an unauthorized third party and refused to investigate. I did not use a credit repair company or authorize any third party. 

This response constitutes a willful or negligent violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a credit reporting agency to conduct a reasonable reinvestigation when a consumer directly disputes the completeness or accuracy of any item in their file. Additionally, refusing to process a valid consumer dispute without reasonable cause may violate FCRA 1681i ( a ) ( 3 ).

TransUnions failure to investigate my direct dispute also undermines FCRA 1681i ( a ) ( 6 ), which requires the results of an investigation to be communicated within 30 days. Their baseless claim constitutes an improper delay tactic designed to frustrate the dispute process. 

I am requesting the CFPB to compel TransUnion to comply with the FCRA, investigate the disputed items in good faith, and issue a proper response under the law. 

XXXX XXXX : XXXX Date Issued : XX/XX/2025

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 2025-05-11 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: NY

Complaint narrative:
KeyBank_Unknown-Unaccountable_Charge_Of_ $ XXXX ( XXXX ) : Requesting status at least for latest CFPB complaint ID XXXX ; see aforementioned complaint ID for details. And, see ( that is, go find for yourself ) all prior CFPB complaints I've submitted for complete details regarding this matter in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: IA

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payment on an account for which I have always maintains timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. XXXX Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payment be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX XXXX. XXXX. XX/XX/XXXXXXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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 complain of an issue regarding two fraudulent accounts on my credit report : Account balance {$3300.00} and Account balance {$6800.00}. These accounts are fraudulently reported as collection debtsI have no knowledge of them, never resided at the listed properties, and did not agree to these obligations, indicating potential identity theft or misattribution.

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 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I called XXXX to cancel my phone service after moving overseas on military orders. I then asked them to keep my number active, as XXXX told me they would send me a XXXX card that would work in XXXX, and they could let me keep my XXXX XXXX XXXX number if it is still active. After receiving the XXXX card, I found out I could not use it in XXXX. I cancelled both services. They charged me $ XXXX for several months after. I received emails stating that they were charging me, but the app continued to show a {$0.00} balance. I tried calling the call center ( in XXXX ) to explain that I was on XXXX XXXX  orders and that they should backdate my cancellation. They did not understand this request. I was unable to go in person, as I was overseas. This is now showing up as a collection on my credit report, and as someone who always pays my bills on time, I am requesting that this be removed from my credit report. The attached documents are a conversation I had regarding the situation with someone I know who works for XXXX XXXX XXXX. It shows the attempts I made to make things right.

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am writing to formally dispute recent interest charges that have appeared on my Capital One credit card account XXXX. These charges appear excessive and incalculable, and I did not consent to any terms or changes that would justify them. 

Upon reviewing my billing statements, I noticed unexplained interest charges that exceed what I reasonably expected based on my balance and payment history. I request a detailed breakdown of how these charges were calculated, including the dates, interest rates applied, and balances used to determine those amounts. 

Furthermore, I am requesting that you : Investigate these charges and determine whether an error occurred. 

Recalculate any interest based on my correct balance and payment activity.

Reverse any improperly applied charges. 
Provide a written explanation of your findings. 

Under the Fair Credit Billing Act, I am exercising my right to dispute these charges. Please consider this letter a formal notification. I have enclosed copies of the relevant statements for your review. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
I am writing to complain of an issue regarding two fraudulent accounts on my credit report : Account balance {$3300.00} and Account balance {$6800.00}. These accounts are fraudulently reported as collection debtsI have no knowledge of them, never resided at the listed properties, and did not agree to these obligations, indicating potential identity theft or misattribution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: NC

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 2025-05-11 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: FL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX invaded my privacy under Title 34, part 99 family educational rights and privacy. 
Pleaase delete my XXXX XXXX on my credit report as per FERPA.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXXTo Whom It May Concern,\n\nI am filing this formal complaint regarding XXXX XXXX  negligent, harmful, and deceptive credit reporting practices, which have severely impacted my financial life, opportunities, and overall well-being as an American citizen.XXXX XXXX  wrongfully submitted a debt collection claim to a third-party agency for a XXXX balance allegedly tied to account number XXXX XXXX XXXX  for the billing cycle of XXXX XXXX XXXX, through XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLet me be unequivocally clear:XXXXI was no longer living at that address, nor was I using XXXX  XXXX  during that billing period.\XXXX  had already switched to XXXX XXXX and responsibly returned all XXXX  XXXX  in person prior to this date.XXXX  had multiple direct conversations with XXXX   both via phone and in person  where I was assured the account was closed and all matters were settledXXXXDespite all of this, XXXX  reported this erroneous debt, which has since destroyed my credit score  falling from a healthy XXXXXXXX to the low XXXX. This false report has directly blocked me from securing employment, stable housing, reliable transportation, and access to basic financial toolXXXXThis isn't just a clerical error  this is negligence with real-life consequences. XXXX  XXXX  is fully responsible for submitting false and unverified information to the credit bureaus and for allowing such a minor billing error to evolve into a full-scale attack on my financial credibility.\n\nLet me ask plainlyXXXXHow does a XXXX-XXXX  corporation get away with knowingly damaging an individuals future over XXXX  when all proper steps were taken and documentation was provided?XXXXThis is not the first time Ive encountered credit issues due to inaccurate corporate reporting, but this is the last time Ill let it slide."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was charged for many over draft fees from Wells Fargo XXXX I also deposited my cash one night and didnt receive credit for my deposit until months later I made over 20 complaints it should be on file and they never responded or took the matter serious so I closed my account and they charged me hundreds of dollars in over draft fee.. I paid it because I had trouble opening account with other banks!!! They basically robbed me of my money

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 2025-05-11 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: NY

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Never received debt validation from XXXX XXXX, XXXX XXXX, XXXX, or Portfolio Recovery. 

They do not own the debt and have violated the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OH

Complaint narrative:
I noticed inaccuracies on my Experian Credit Report after applying for credit and being declined. I am asking that these inaccuracies be re-investigated to ensure maximum possible accuracy on my credit report as this has already caused serious harm to me receiving credit. 

XXXX ) XXXXXXXX XXXX XXXX : Account # XXXX - This is account is reporting my payments inaccurately. This is a XXXX XXXX  based account. I received special hardship ( modification/forbearance/deferment ) during all the times you are reporting this account as late in XXXX, XXXX, XXXX, and XXXX. * Please remove ALL late payments as I have never been late. * XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : Account # XXXX - This account was supposed to have been removed from my credit report XX/XX/XXXX as it is more than XXXX XXXX XXXX. 

XXXX ) XXXX XXXX XXXX : Account # XXXX - This appears to be a duplicate account. 

XXXX ) XXXX XXXX XXXX : Account # XXXX - Please remove the late payments reporting for XXXX XXXX and XXXX XXXX. I was never late.

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 2025-05-11 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: FL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am submitting a complaint about multiple accounts on my credit report that were charged off in the past but are still being reported every month as if they are newly charged off. This practice is inaccurate and misleading. It falsely re-ages the debt and severely harms my credit score.

Under the Fair Credit Reporting Act ( FCRA ), furnishers are not allowed to continue reporting the same charge-off status month after month as if it's a new event. These accounts should reflect the original charge-off date only. Instead, they are being updated repeatedly, which gives the impression that the accounts are currently delinquent or were recently charged off neither of which is true. 

I submitted disputes with XXXX on XX/XX/year>, asking for these inaccuracies to be corrected, but the issue remains unresolved. These accounts are no longer valid debts and should not be allowed to keep damaging my credit month after month. 

I am requesting that these accounts be removed entirely from my credit report due to this continued inaccurate and harmful reporting, which is a violation of the FCRA. Please investigate and take appropriate action to have these accounts deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
The account contains conflicting information. The reported charge-off includes inconsistent dates of last activity and payment across credit bureaus. It is listed as closed due to inactivity, but a balance is still reported. This violates FCRA 1681s-2 ( b ) and 1681i. Please reinvestigate or remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The account contains conflicting information. The reported charge-off includes inconsistent dates of last activity and payment across credit bureaus. It is listed as closed due to inactivity, but a balance is still reported. This violates FCRA 1681s-2 ( b ) and 1681i. Please reinvestigate or remove.

Company response to consumer: Closed with non-monetary relief