vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-09 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:
There's some information only account that is not accurate and I also ask sent goodwill letter asking for removing negative information off my credit has well.

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 2025-12-09 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: TN

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 2025-12-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-10 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: MI

Complaint narrative:
when i disputed these fraudulent accounts on my credit report, i never got a proper investigation these accounts are negatively impacting me by still being on my retort the only thing i received was a letter statin that i didn't provide enough information for them to do an investigation. ii will upload everything is sent to all three credit bueras, the fraudulent accounts are XXXXXXXX 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 2025-12-10 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-12-09 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: NC

Complaint narrative:
I was reviewing my credit file and noticed inquiries which XXXX  mine

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 2025-12-10 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-12-10 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 regularly monitor my credit report because maintaining a strong credit score is important to me, yet I continue to see inaccurate and false information appearing on it. This has been a recurring issue, and despite raising this concern multiple times, nothing has been corrected. It has become extremely stressful and exhausting, and these persistent inaccuracies are unfairly harming both my life and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for {$6300.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX. I have not received any validation of this debt from XXXX XXXX XXXX. I have never been provided with a lease agreement, itemized charges, final bill, ledger, or proof that this balance is legally owed. The credit bureaus all claim the information was verified, but none of them can show how it was verified. After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This is a notice regarding inaccurate information that continues to appear on my credit file. You have failed to properly verify the following accounts under FCRA 609, 611, and 623, which requires all reporting to be accurate and fully verifiable. To date, you have not provided : Proof of verification Documentation from the furnisher Contact details of the person who claimed to verify Any evidence showing the information is correct If these accounts can not be verified with original documentation, they must be deleted immediately. This is a lawful request for compliance with federal law. A verified response without proper documentation is not a lawful verification.

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 2025-12-10 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX INQUIRIES : XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX is reporting multiple false late payments on my credit report. These entries are 100 % inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2 ( a ) ). I never made any late payments on these accounts, and I demand an immediate investigation and correction. 
Account Details : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$110.00} Reported as Late Payment I dispute this late payment because I have never missed or delayed any payment on this account. The reporting is inaccurate, misleading, and violates FCRA 1681i ( a ) which requires accuracy. No proof of delinquency has ever been provided, and this false report is harming my credit and financial opportunities. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$110.00} Reported as Late Payment This account information is incorrect. I have no knowledge of any late payment. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), XXXX has a duty XXXX report accurate information. Reporting a late payment falsely is a direct violation and is damaging my credit reputation and score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$260.00} Reported as Late Payment I dispute this account as reported. I have always made timely payments, and there is no factual basis for labeling this as late. FCRA 1681i ( a ) requires that inaccurate information be promptly corrected or deleted. I request immediate investigation and correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1500.00} Reported as Late Payment This reporting is false and completely misleading. I have never been late on this account. Falsely reporting late payments violates FCRA 1681i ( a ) ( 1 ) ( A ) and FDCPA 1692e. It continues to cause financial and emotional harm and needs to be corrected immediately.

These false late-payment entries are harming my credit, causing financial hardship, and preventing me from obtaining fair credit opportunities. XXXXXXXX failed to ensure accurate reporting as required by FCRA 1681s-2 ( a ) ( 1 ) ( A ) and the credit bureaus failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

I request CFPB to take action and require the furnisher to provide proof of late payments or immediately correct/delete these inaccurate entries. I also request written confirmation once the investigation is completed.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/year>, I received a notification from XXXX  indicating that the delinquency previously reported on my XXXX XXXX XXXX XXXX Credit Card had been updated to an improved status. This correction reflected a series of timely payments I made immediately upon returning from XXXX XXXX military XXXX with the XXXX XXXX XXXX 

However, on XX/XX/year>, I received another alert from XXXX  stating that the same account had reverted back to a delinquent status. This reversal is inaccurate and unsupported, as I have consistently made payments since returning from XXXX. I have attached documentation of these payments and request that they be reviewed in full. 

The continued reporting of delinquency despite corrective payments causes significant harm to my credit profile, financial reputation, and overall creditworthiness. Such inconsistent and erroneous reporting undermines my ability to maintain stable financial standing, particularly as an XXXX XXXX servicemember who has met all post-deployment obligations.

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 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
During the month of XX/XX/year>, I was in the process of purchasing a house. I had the down payment required into American Express " XXXX XXXX XXXX Acct. '' When it was time to send the down payment to the closing company, I received wiring instructions from what I thought was the closing company, but it was someone else impersonating them. On Friday XX/XX/XXXX, I asked American Express for the wire transfer to the account provided by the phishing company. I found out that it was a scam on Monday and directory reported to the American Express fraud team. I called the XXXX  and asked them to get a hold of the account, but they said they can only respond to American Express and not consumers. American Express told me it would take XXXX business days for the investigation and they will get back to me. Today is XX/XX/year> and I haven't heard anything from American Express. I have the emails and screenshots, which I also offered to provide to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Sparrow Financial, Inc.
State: OR

Complaint narrative:
Found out on my credit report about this account I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
b'On XXXX XXXX XXXX, TransUnion received my formal Method of Verification (MOV) Request, sent pursuant to FCRA 611(a)(6)(A)-(B)(iii), 611(a)(5)(A), 607(b), and 623(a)(1)(A).\nBoth certified letters were delivered on the same day:\n\XXXX XXXX XXXX XXXX XXXX XXXX   Delivered XXXX XXXX XXXX XXXX XXXX XXXX  Delivered XXXX\nMy MOV request specifically required TransUnion to provide full verification records, including:\n method of verification\n ACDV/e-OSCAR data\n all documents used to verify accuracy\n original-source documentation from furnishers\n chain of title for collection accounts\n authorization proof for hard inquiries\n audit trail logs\n\n(Full list is included in my attached letter.) \n\nTransUnion (letter)\n\nTransUnion failed to provide ANY of the required MOV documentation within the 15-day statutory deadline.\nUnder FCRA 611(a)(5)(A), when a credit bureau is unable to verify, the information must be deleted.\n\nInstead of responding to my MOV request, TransUnion attempted to misclassify the MOV as a standard "dispute" in order to bypass their statutory obligations. A reinvestigation is not a substitute for the required MOV response. The law is explicit:\nIf MOV is requested, the bureau must produce it  or delete.\n\nDespite the expiration of the 15-day deadline:\n No MOV documentation was provided\n No audit trail was produced\n No verification records were disclosed\n The information TransUnion failed to verify is still present in my file\n\nThis means TransUnion is currently maintaining unverifiable information, which violates:\n\nFCRA 607(b)  duty to maintain maximum possible accuracy\n\nFCRA 611(a)(5)(A)  unverifiable information must be deleted\n\nFCRA 623(a)(1)(A)  furnishers may not report information without documentation\n\nCFPB Furnisher Rule (12 CFR Part 1022)\n\nThe affected items include:\n Multiple credit accounts\n Two collection accounts (XXXX XXXX XXXX XXXX XXXX)\n Hard inquiries\n Address information\n\nAll of these were covered in my MOV request, and TransUnion failed to verify any of them.\n\nTransUnions refusal to comply, misclassification of my request, and failure to delete non-verified information constitute ongoing violations of federal law.\n\nI am requesting CFPB intervention because TransUnion has shown a pattern of avoiding statutory requirements and ignoring lawful MOV requests.'

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