vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-29 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:
I am writing you about the the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX * * * * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
IT HAS BEEN PAST THE 30 DAY INVESTIGATION PERIOD IF INFORMATION CAN NOT BE VERIFIED WITHEN THIS TIME FRAME IT IS DEEMED UNVERIFIABLE AND SHALL BE REMOVED FROM MY RECORD REPORT IMMEDIATELY. Experian failed to respond to my dispute letter after 30 days of receiving. 
Under the Fair Credit Reporting Act FCRA, specifically 15 U.S.C. & 1681s-2, creditor has certain protocols upon receiving a notice of a dispute. 

I sent a complaint asking to correct the inaccuracy and discrepancies and to make sure everything is completely accurate here is my case number XXXX Like I said Its been over 30 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency, directly or indirectly through a reseller of such dispute. 
The agency already conducted a re-investigation to determine whether the disputed information is inaccurate and record the current status of the dispute information or DELETE the item from the file BY THE END IF THE 30 DAY period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They also violated these laws according to XXXX XXXX XXXX they are supposed to correct any inaccurate or unverifiable 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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX failure to protect me as a consumer in a chargeback case involving a product that was clearly misrepresented by the seller. 

On XX/XX/year>, I purchased hair extensions from a company called XXXX, which advertised a specific texture and color. Upon receiving the item, it was immediately apparent that the product was not as describedboth in quality and appearance. I provided American Express with extensive supporting evidence including : Photographs showing the item received does not match the product description. 
Email correspondence where the seller refused a refund and instead offered a small discount or replacement, even while acknowledging the issue. 

Despite this, Amex denied my dispute solely based on the sellers no return policy, which was not prominently disclosed at the time of sale and was irrelevant to the actual issue : material misrepresentation of the product. 

This sets a deeply troubling precedent. If a seller can simply claim no returns on a product that is defective or falsely advertised, it allows bad actors to exploit cardholders and operate fraudulently with impunity. 

I have now lost {$350.00} for a product that was falsely advertised. I expect American Express to uphold its Cardmember Protection policy and investigate sellers who engage in deceptive practices, especially when consumers provide concrete proof. 

I urge the CFPB to review this matter and ensure that American Express is held accountable for failing to protect cardholders in legitimate disputes involving fraudulent merchants. 

Amex Account Ending In XXXX Reference Number : XXXX Merchant Name : XXXX XXXX XXXX Transaction Amount : {$350.00} Transaction Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( XXXX U.S.C. 
XXXXc-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$57.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Date : XX/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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.

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 2025-05-29 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: CA

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section XXXXB of the Fair Credit Reporting Act ( XXXX U.S.C. XXXXc-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00}

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 2025-05-29 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: LA

Complaint narrative:
Open date XX/XX/XXXX creditor -CB/XXXX  balance {$240.00}. 

XXXXDOFED Creditors - open date XX/XX/XXXX balance - {$3600.00} XXXX/DOFED -creditor- date opened XX/XX/XXXX balance {$2100.00} XXXX  -creditor open day XX/XX/XXXX balance {$17000.00} XXXX XXXX XXXX XXXX open Balance {$3300.00} XXXX XXXX open XX/XX/XXXX Balance {$270.00} XXXX filled a dispute with the credit bureau and didnt get a response. I also filed as a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
Open date XX/XX/XXXX creditor -CB/XXXX  balance {$240.00}. 

XXXXDOFED Creditors - open date XX/XX/XXXX balance - {$3600.00} XXXX/DOFED -creditor- date opened XX/XX/XXXX balance {$2100.00} XXXX  -creditor open day XX/XX/XXXX balance {$17000.00} XXXX XXXX XXXX XXXX open Balance {$3300.00} XXXX XXXX open XX/XX/XXXX Balance {$270.00} XXXX filled a dispute with the credit bureau and didnt get a response. I also filed as a victim of identity theft

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 2025-05-29 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: MO

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Usaa is with drawing funds from my checking account for Loan payment. 

I have called an could confirmed that I don't have any any loans in my name with Usaa. 

XXXX XXXX  has reversed the funds. Usaa will not give me any information and I ask them to stop using my account. XX/XX/year> {$1000.00} was last attempt

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 2025-05-29 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: PA

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 non-monetary relief
Consumer complaint received 2025-05-29 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:
My TransUnion credit report is currently displaying an account from XXXX ( Account No. XXXX XXXX XXXX XXXX XXXX ), which indicates a repossession event despite showing a {$0.00} balance and {$0.00} past due amount. This inconsistency is not only misleading but also damaging to my credit profile. An account that has a XXXX balance and no outstanding debt should not continue to carry the weight of a derogatory repossession remark, especially when no supporting documentation has ever been provided to substantiate the accuracy or completeness of this entry. Furthermore, TransUnion has failed to verify whether this reporting meets the standards of current and accurate information required under federal law. 

This entry is a clear violation of XXXX U.S.C. XXXXe ( b ), which mandates credit reporting agencies to ensure the maximum possible accuracy of consumer information. Moreover, XXXX U.S.C. XXXXi requires the bureau to conduct a reinvestigation when disputed data may be incomplete or unverifiable. The presence of a repossession record on a closed account with no balance suggests outdated or potentially compromised dataespecially concerning given the widespread data breaches across the credit industry. TransUnions failure to correct this item after being made aware of its inaccuracy reflects an unacceptable disregard for consumer protection standards under the FCRA.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXXUSC XXXX. Account name : # XXXX, has violated my rights XXXXUSC XXXX section XXXX A, state have the right to privacy XXXXUSC XXXX Section XXXX A, section state consumer reporting agency can not furnish an account without my written permission.

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 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone Credit and Collections LLC continues to try and collect on a debt amount that is fraudulent and inaccurate. I do not owe them or XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00}. We have been in correspondence several times, as I have attempted to have them validate the amount of this debt accurately. They have sent me documents that actually show that the debt amount they are reporting is false. They are claiming the amount is including rent, late fees and legal fees. The issue is, they have illegally added rent for a total of 8 months past the end of the lease agreement and for time that I did not live at that property. I was out of the property prior to the writ of possession that was issued XX/XX/year> after taking the company to court and the final judgment being issued on XX/XX/year>. They have illegally charged me rent for XXXX of XXXX  according the tenant ledger that they provided. Also, other than than the {$440.00} of eviction fees, there are no documents proving or showing any legal fees owed. I requested ALL information on this debt yall claim I owe. This violates the law and my rights as a consumer and I will NOT stand for it! I am demanding that all attempts to collect on this fraudulent debt seize and that it be removed immediately and indefinitely from my credit report with all three major credit reporting agencies. This is my last and final attempt before I escalate this issue to the Attorney General and in the court of Florida Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1st incident- I have requested statements because i cant get them online. I haven not received anything. 
2nd- When my loan was bought out. the automatic payment was never transferred. They never called, emailed, or any form of notification the payments weren't going through. 6 months later they tried to reposes the vehicle. After everything was paid and caught up. 2 months later there was a random {$150.00} charge no one could explain what it was for. 
3rd- I've made late payments before. they normally charge me a {$65.00} late fee and I pay and move on. This recent time they said i have to pay interest only because I was late. I've made two payments of interest only and they are saying I still need more. This is absolutely wrong because i only pay {$80.00} of principle out of the {$490.00}. I called and can no get any explanation on anything. 
4th- My payment amount randomly went down about {$150.00} and then the next month went up {$250.00}. They are telling me its interest i missed. I don't understand how its anything i missed. Im making my payments.

5- Anytime I call. they transfer me over and over and over. It takes me over an hour to try to resolve any issues. Its a monthly problem at this point.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief