vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I have a number of dipsutes pertaining to the fraunduant and unauthorized accounts on my credit profile. I sent out a dispute on XX/XX/year> without any connetion to the fraudulant accounts im refering to : XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete.

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 2025-07-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a number of dipsutes pertaining to the fraunduant and unauthorized accounts on my credit profile. I sent out a dispute on XX/XX/year> without any connetion to the fraudulant accounts im refering to : XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete.

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 2025-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I reviewed my credit report and discovered multiple unverifiable, invalidated, inaccurate, and questionable items that your agency has reported without ensuring full accuracy and compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported on consumer credit reports must be complete, accurate, and verifiable. Specifically, under 15 U.S. Code 1681e ( b ), furnishers are required to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information to verify its accuracy and completeness. 

Furthermore, 15 U.S. Code 1681s-2 ( b ) requires furnishers to promptly investigate and correct inaccurate or incomplete information once notified of a dispute. Failure to comply with these provisions constitutes a violation of my rights as a consumer. 

I am attaching copies of all related correspondence for your review and demand immediate correction or deletion of all unverifiable or inaccurate accounts to bring my credit report into full compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: WA

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! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I accidently paid the wrong Capitol One card and on XXXX EST called customer service to have the credit transferred from the Venture account to the XXXX Capitol One card. I was informed No they can't do that. Now it is going to take up to 10 days to get a paper check because they claim they can not refund any other way, yet I still have to make the payment to the other account. For some this would be imppossible due to financial issues. Why then are they monopolizing the credit card industry. I have XXXX accounts and now XXXX is under Capitol One which makes it XXXX. When I make payments this is difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have tried repeatedly to fix the way B of A is reporting my credit card to XXXX  credit report. Both companies both keep telling me its the others fault I have filed complaints with both companies and neither are doing anything to fix the problem. This is the latest result I received from XXXX  saying that BofA verified all info is reported correctly however you can clearly see that card is reporting a NO STATUS status as I will share screenshots of. Both XXXX and XXXX are reporting correctly however XXXX  will not and both are blaming each other. XXXX just at a loss trying to get something that should be so easy accomplished. Just to report a since trade line correctly.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Company is not allowed to collect in Michigan according to the XXXX. This company has no account number or address or phone number. This is a fraudulent account placed on my credit report and XXXX  and XXXX  allowed it. {$910.00} is the amount they placed on my credit reports with no validation from the credit companies No original contract with my signature. Mo breakdown of these charges .no proof they have a legal right to collect and no proof this is my fraudulent debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

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
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-18 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate, outdated, or unverifiable items currently listed on my credit reports with TransUnion, Experian, and Equifax. These inaccuracies are having a significant negative impact on my creditworthiness and do not reflect the true status of my credit history.

After carefully reviewing my reports, I identified the following issues : Charge-Off Accounts reported without sufficient validation or proper documentation, some with conflicting data across the bureaus.

Collection Accounts that are either unrecognized, improperly validated, or duplicated across different credit files.

Late Payments that continue to be reported even though the accounts have been paid, settled, or brought current.

Unauthorized Inquiries that I did not initiate or authorize, which violate my consumer rights. 

Dispute Notations such as dispute resolved consumer disagrees without providing any supporting documentation or resolution. 

I have previously attempted to resolve these issues directly through standard dispute channels. However, no adequate validation or correction has been provided in compliance with the Fair Credit Reporting Act ( FCRA ). As such, I am now formally requesting a thorough reinvestigation and removal of all unverifiable and inaccurate items. 

Please find enclosed any relevant supporting documents to aid your review. I respectfully request written confirmation detailing the outcome of your investigation and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a fair and timely resolution in accordance with federal law.

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 2025-07-18 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate, outdated, or unverifiable items currently listed on my credit reports with TransUnion, Experian, and Equifax. These inaccuracies are having a significant negative impact on my creditworthiness and do not reflect the true status of my credit history.

After carefully reviewing my reports, I identified the following issues : Charge-Off Accounts reported without sufficient validation or proper documentation, some with conflicting data across the bureaus.

Collection Accounts that are either unrecognized, improperly validated, or duplicated across different credit files.

Late Payments that continue to be reported even though the accounts have been paid, settled, or brought current.

Unauthorized Inquiries that I did not initiate or authorize, which violate my consumer rights. 

Dispute Notations such as dispute resolved consumer disagrees without providing any supporting documentation or resolution. 

I have previously attempted to resolve these issues directly through standard dispute channels. However, no adequate validation or correction has been provided in compliance with the Fair Credit Reporting Act ( FCRA ). As such, I am now formally requesting a thorough reinvestigation and removal of all unverifiable and inaccurate items. 

Please find enclosed any relevant supporting documents to aid your review. I respectfully request written confirmation detailing the outcome of your investigation and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a fair and timely resolution in accordance with federal law.

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 2025-07-18 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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 2025-07-18 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief