vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : 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 2025-10-13 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: TX

Complaint narrative:
This account has been reported in error and is not 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 explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
This account has been reported in error and is not 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-13 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:
XXXX  XXXX a charge-off still as a balance and leaking.\nCollection agency is reporting false dates.\nI did not sign an agreement for this collection agency.For this agreementOngoing inaccuracies ( unchanged ) : Double reporting : The account is reported as charged written off. XXXX  XXXX did not issue me at ten ninety nine c1099c

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 2025-10-13 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: CA

Complaint narrative:
XXXX  XXXX a charge-off still as a balance and leaking.\nCollection agency is reporting false dates.\nI did not sign an agreement for this collection agency.For this agreementOngoing inaccuracies ( unchanged ) : Double reporting : The account is reported as charged written off. XXXX  XXXX did not issue me at ten ninety nine c1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the following accounts being reported on my credit file in violation of FCRA XXXX ( b ) and XXXX : XXXX.XX/XX/XXXX{$2000.00} Reported as Collection/Charge-Off XXXX. XXXX Collections {$4600.00} Reported as Charge-Off XXXX. XXXX XXXX Reported as Charge-Off XX/XX/XXXX Reported as XX/XX/XXXX Days Late XX/XX/XXXX Reported as XX/XX/XXXX Days Late XX/XX/XXXX Bank Reported asXX/XX/XXXX Days Late XXXXXX/XX/XXXXXXXX XXXX XXXX These entries are inaccurate, unverified, or reported without proper documentation. Under FCRA XXXX, I request an immediate reinvestigation and removal if the information can not be 100 % verified.

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 2025-10-13 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the following accounts being reported on my credit file in violation of FCRA XXXX ( b ) and XXXX : XXXX.XX/XX/XXXX{$2000.00} Reported as Collection/Charge-Off XXXX. XXXX Collections {$4600.00} Reported as Charge-Off XXXX. XXXX XXXX Reported as Charge-Off XX/XX/XXXX Reported as XX/XX/XXXX Days Late XX/XX/XXXX Reported as XX/XX/XXXX Days Late XX/XX/XXXX Bank Reported asXX/XX/XXXX Days Late XXXXXX/XX/XXXXXXXX XXXX XXXX These entries are inaccurate, unverified, or reported without proper documentation. Under FCRA XXXX, I request an immediate reinvestigation and removal if the information can not be 100 % verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Formal Dispute of Credit Report Information To whom it XXXX concern, I recently took a look at my credit report and noticed some unfamiliar accounts and information on my report. I am writing to dispute the inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
ACCOUNTS IN DISPUTE : XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX * * * * I dispute the accuracy and validity of these accounts. Under FCRA XXXX, you must conduct a reasonable investigation within 30 days and verify the complete accuracy of this information. Under FCRA XXXX, you must follow reasonable procedures to assure maximum possible accuracy. 
Delete any information that can not be verified as completely accurate per FCRA XXXX ( a ) ( XXXX ) ( A ) Provide written results of your investigation and proof of verification. 

I filed complaints with the CFPB and FTC. if you fail to comply with federal law legal action will be pursued. 

Also I noticed there were several inaccurate addresses and phone numbers on my report. 
My XXXX and only address is, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My XXXX and only phone number is, ( XXXX ) XXXX Any other Address or phone number is inaccurate and should be deleted from my report. 
Please send all correspondence to the address above.

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 2025-10-13 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:
Here 's the updated dispute letter with your details included : -- - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX [ Date ] Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute certain inaccuracies on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ). I recently learned about the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against credit reporting agencies, including Experian, for failing to conduct proper investigations into consumer disputes. This has raised my concern regarding the accuracy of my credit report and the potential impact of incorrect information on my creditworthiness. 

In accordance with the FCRA, I request you to investigate the following items on my credit report : 1. * * Negative Items * * : Please remove all negative items that are incorrect or unverifiable.

2. * * Address and Phone Number * * : Please ensure that my correct address and phone number are reflected on my report. My current information is as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX - Phone Number : XXXXXXXX XXXX XXXX XXXX Hard Inquiries * * : I also request the removal of any unauthorized hard inquiries that were not made with my consent. 

Please provide me with a copy of my updated credit report reflecting these changes. I expect a response to this letter within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of my disputes. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ] -- - Make sure to send this letter via certified mail for tracking purposes. Let me know if you need any further assistance!

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 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bison Bucks Lending
State: CA

Complaint narrative:
I am filing a complaint against Bison Cash regarding an online loan I received for {$800.00}. I have encountered numerous severe issues that have made it impossible to manage my loan responsibly or understand the terms I am bound by.

1. Inaccessible Account and Lack of Essential Documentation : I can not log into the Bison Cash website to access my loan information. Because of this, I do not know my current loan balance, the amount of my scheduled payments, or the payment due dates. Most critically, I have never received a copy of my final loan agreement. Without this document, I can not verify the interest rate, fees, or repayment terms.

2. Failure to Provide Clear Cost Breakdown and Potential Usury Law Violation : During the brief period I could access the account, I observed that daily interest was being added to the principal loan balance before any payments were applied. I was unable to get a clear, itemized breakdown of the charges from Bison Cash. Based on my calculations and the visible daily interest accrual, I have strong reason to believe the Annual Percentage Rate ( APR ) on this loan far exceeds the maximum 35.99 % rate permitted for loans of this type under California law. This appears to be a usury violation. 

3. Unauthorized ACH Withdrawals and Inability to Revoke : During the application process, I explicitly selected an option to not enable automatic ACH withdrawals from my bank account. Despite this, Bison Cash enabled this feature without my explicit consent. When I realized this, I immediately attempted to contact Bison Cash by phone and email to revoke this authorization and stop the payments. My attempts have been completely ignored. I have no way to stop unauthorized withdrawals from my account, which causes significant anxiety about my financial security.

4. Complete Lack of Communication : Bison Cash is entirely unresponsive. My repeated phone calls and emails regarding all the issues listed above go unanswered. This deliberate lack of communication makes it impossible for me to access my loan documents, resolve billing disputes, or get answers to critical questions about my loan.

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 2025-10-13 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: CA

Complaint narrative:
I am a victim of identity theft. Despite providing documentation, Experian, Equifax, and TransUnion continue to report fraudulent accounts and unauthorized credit inquiries on my credit reports. Under FCRA 605B, they are required to block and delete fraudulent accounts within XXXX business days, and under FCRA 604 ( a ) ( 2 ) they must remove unauthorized inquiries. They have failed to comply, and this is causing me harm including credit denials and emotional distress. 
Fraudulent accounts appearing on my report include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX Secured XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX ), Portfolio Recovery, Credence Resource ( XXXX XXXX XXXX ). 
Unauthorized hard inquiries all dated XX/XX/year> from : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX of XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. 

These inquiries and accounts were not authorized by me and are directly tied to identity theft. 



Harm Suffered : Loss of credit opportunities. 
Emotional distress and reputational damage. 
Time, cost, and effort spent attempting to fix unlawful 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 2025-10-13 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: MD

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TN

Complaint narrative:
I am writing to demand the immediate removal of the following unauthorized hard inquiries from my credit report, which I did not authorize and are fraudulent TRANSUNION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> EQUIFAX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX  I did not provide permission to these companies to access my credit report. These inquiries are therefore unauthorized and in direct violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, given the recent data breaches at TransUnion and Equifax, I am concerned that my personal information may have been compromised, and I hold your bureau responsible for any resulting fraudulent activity. This adds urgency to my request and potential liability for failure to properly protect my information.

I demand that these fraudulent inquiries be deleted immediately and that I receive written confirmation of their removal. I also request a copy of the investigation findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Oquirrh Mountain Law Group, P.C.
State: FL

Complaint narrative:
Consumer Complaint : XXXX XXXX XXXXXXXX XXXX XXXX ( 2020 ) During the year 2020, I signed up with XXXX XXXX for credit repair services after seeing multiple online advertisements claiming they could help remove negative items from my credit report and boost my credit score.

Shortly after enrolling, I was charged an upfront fee of approximately {$99.00}, followed by monthly withdrawals averaging around {$89.00} to {$120.00}. These charges occurred even before any meaningful services or results were provided. 

I was contacted multiple times by representatives through phone calls and emails, promising faster results if I upgraded or paid for additional credit interventions. I followed their instructions and made payments trusting their expertise, but despite paying for several months, there were no noticeable changes or legitimate documentation showing progress on my credit report. 

When I questioned the lack of improvement and asked for clarification or a refund, I was met with generic responses about ongoing disputes and no accountability. I eventually canceled the service after realizing the company was continuously withdrawing funds without providing verifiable results or honoring their advertised commitments. 

I later learned that the Consumer Financial Protection Bureau ( CFPB ) filed action against XXXX XXXX  and XXXX  for the same unlawful practices including charging illegal upfront fees, deceptive telemarketing tactics, and using misleading advertising to lure in consumers. 

These are the same deceptive behaviors I experienced firsthand during the 2020 pandemic, when I was financially vulnerable and in need of genuine credit help. The companys actions caused unnecessary financial strain and emotional distress during an already difficult time. 

I am submitting this complaint to document my experience and to support accountability for these companies. I also request to be included in any restitution or settlement processes connected to this case. 

Summary of Key Details : Company : XXXX XXXX XXXXXXXX Period : XX/XX/year> XX/XX/year> Approximate Charges : {$99.00} setup fee + monthly payments ranging from {$89.00} {$120.00} Issues Experienced : Upfront fees before services Misleading advertising and promises Lack of measurable results Refusal to refund or provide transparency--

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-13 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: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS 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