vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved 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 explanation
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved 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 2025-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : XXXX. Provide a detailed account of the data that was compromised ; XXXX. Disclose the date and method by which the breach occurred ; XXXX. Explain the steps your organization is taking to remediate the situation ; XXXX. Provide documentation of your compliance with data protection laws ; XXXX. Correct any errors on my credit file caused by this breach ; XXXX. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) ,15 U.S.C.s 1681i, which mandates a responsible investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12U.S.C.ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian 's compliance with federal law and provides consumers with the necessary proof of investigation. 



Account requesting to be removed- 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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My Venmo account was deactivated on XX/XX/year>, and my remaining balance of {$200.00} was placed on a XXXX hold for potential disputes. The XXXX hold period ended on XX/XX/year>. 

XXXX XXXX User Agreement, the funds should have been released once the hold expired, but I have not received my money or any instructions for withdrawal. I have contacted Venmo multiple times, and they continue to state I must wait for an email, despite the hold period ending over XXXX  days ago. 

I am requesting that Venmo immediately release my {$200.00} balance or provide written documentation of any pending disputes. This delay is unreasonable and violates the terms stated in their own policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am insisting on the prompt deletion of the disputed items and immediate escalation of this matter to an TransUnion compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
I am submitting a formal complaint against Equifax XXXX XXXX for continued reporting of inaccurate, incomplete, and unverifiable collection accounts on my credit report. These accounts violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) specifically XXXX, XXXX, and XXXX and remain on my report despite multiple disputes. 
The following accounts are being reported inaccurately : XXXX XXXX XXXX {$500.00} Remarks : Consumer disputes after resolution Equifax failed to verify this account or provide evidence from the original creditor. No signed contract or billing history has been furnished. 
XXXX XXXX XXXX ( Account XXXX XXXX ) {$1100.00} Remarks : Consumer disputes this account information This account remains on file without proof of ownership, assignment, or original agreement. 
XXXX XXXX XXXX ( Account # XXXX ) {$1200.00} Remarks : Consumer disputes this account information I have disputed this account multiple times. Equifax has failed to verify or validate it in accordance with FCRA XXXX ( a ). 
XXXX XXXX XXXX {$1800.00} Remarks : Consumer disputes this account information This collection is not properly verified, and no documentation has been provided confirming its validity. 
These unresolved disputes and improper markings have caused serious harm to my ability to secure housing and credit, as well as disrupted the operations of my XXXX  XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX. 
Equifax has not provided a proper method of verification as required under FCRA XXXX ( a ), and has continued to report information in violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 

Inaccurate Address Being Reported : My credit report from Equifax is currently listing a false and outdated address : * * * XXXX XXXX in XXXX XXXX, MI XXXX This is not my legal, residential, or mailing address. 

Under FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ], Equifax is legally required to : follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The inclusion of an incorrect address violates this provision. This inaccuracy could falsely suggest residence in another state, mislead lenders, and affect verification processes, posing a direct risk to my identity and financial opportunities. 
Despite having updated my address and submitted disputes, this incorrect address remains listed, further illustrating XXXX failure to maintain accurate records. 

I request that Equifax : Delete all unverifiable accounts listed above, Provide written documentation showing the method of verification and original creditor proof, Cease further reporting of any account not validated per FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-07-29 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a XXXX  XXXX  be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information XXXX have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX  High Balance : {$5400.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years XXXX High Balance : {$2100.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years XXXX XXXX XXXX High Balance : {$2800.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX  High Balance : {$5400.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years XXXX High Balance : {$2100.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years XXXX XXXX XXXX High Balance : {$2800.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years

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 2025-07-29 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CT

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CT

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are 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 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WY

Complaint narrative:
I have disputed XXXX  XXXX  XXXX  times and XXXX  is not reporting that I have disputed this account which is inaccurate.also XXXX XXXX  is reporting that I never made the first payment but is reporting to XXXX  that I have XXXX of the loan paid also XXXX XXXX  is reporting XXXX  days late XXXX time XXXX  days late XXXX time and XXXX days late XXXX  times which is impossible to be XXXX  days late and only XXXX and XXXX  days late XXXX times.please Do proper investigation into all of the inaccurate information and delete this account immediately.XXXX  and XXXX  has deleted this account months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: WY

Complaint narrative:
I have disputed XXXX mtr XXXX  times and transunion is not reporting that I have disputed this account which is inaccurate.also XXXX XXXX is reporting that I never made the first payment but is reporting to TransUnion that I have XXXX of the loan paid also XXXX XXXX is reporting XXXX  days late XXXX time XXXX XXXX late XXXX time and XXXX  days late XXXX  times which is impossible to be XXXX  days late and only XXXX and XXXX  days late XXXX times.please Do proper investigation into all of the inaccurate information and delete this account immediately.XXXX  and XXXX has deleted this account months ago.

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 2025-07-29 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Equifax compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the Office of the Inspector General ( OIG ) and a request for intervention from congressional authorities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I called for citizens bank on XX/XX/year> report card had been lost or stolen. At first they gave me my credit and then they took them back which made my account back in the negative. I called and demanding the answer how that had happened since I closed my account an issue and wanted a new debit card the bank told me after they closed my account on XX/XX/XXXX. It had expired the next day. So that let whoever stole my card overcharge my account {$1400.00}. I filed an appeal and XXXX XXXXXXXX XXXX  I just got an overcharge my account {$1400.00}. I filed a appeal and XXXX XXXX XXXX. I got a letter in the mail saying that they put the {$1400.00} back in my account and its been permanent, but they charged off my account. Customer service for first service and called me several times asking if I wanted to open my account back and I stated yes, but I would have to go into the office and XXXX North Carolina. The bank in XXXX will not open my account back..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
XX/XX/year> it has been on my credit and its still on my credit. My credit score is going down and down because of this did I supposed to owe if I put my own money on the card I have a credit limit that I do not use.

Company response to consumer: Closed with explanation