vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

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 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX, I tried to pay for gas at a Walmart XXXX XXXX pump that was having processing problems outside at the pump with my debit card from XXXXXXXX XXXX XXXX I made 2 attempts and both times it turned down my card. I went inside to the store clerk and they said the pump was down but had not put a sign on pump # XXXX. I was instructed to go to another pump and I ask the clear to please to a sign on the pump to alert customers of the issue. 

I then went inside the XXXX store to pick up a script. They charged me {$9.00} for the medicine at XXXX with XXXX XXXX XXXX debit card. 

Before leaving, I also purchased 2 more items at the regular register in the store. My XXXXXXXX XXXX debit card was my only purchase transactions that day. 

On XX/XX/year>, I noticed I received an email dated XX/XX/year> at XXXX saying that I had tried to use a Walmart/Capital One credit card ending in # XXXX that I destroyed months ago warning me to activate a replacement card from Capital One ending in # XXXX that has been received and activated. It has a XXXX balance. This is the second time this has happened. Where Capital One sent me a warning that I tried to use a destroyed card. I called them the first time and they walked me through making sure that I was not using the wrong card. I then cut that card up so there would be no issues. 

Why is my Capital One credit card that is closed crossing over through my XXXXXXXX XXXX  " Debit '' card transactions? There should be no affiliation between the two entities and my bank card is technically NOT a credit card from XXXX. 

What is going on now in America with Credit? So we can not trust these institutions, either? Why is Capital One in on profile when I am at Walmart making purchases with by bank card? I also had to ask for corrections last week on XXXX  who has someone else 's information, i.e. addresses and telephone numbers, on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-07-14 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 XXXX, Equifax and XXXX 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 non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am filing this complaint because TransUnion LLC has repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) despite my repeated calls with multiple agents, mailing formal dispute packages, and submitting an additional dispute through XXXX XXXX. The following items continue to appear on my report, creating serious inaccuracies and harm. 
1. Inaccurate/Unverifiable Accounts I have formally disputed these four ( 4 ) accounts multiple times. They remain on my report in violation of the following provisions : XXXX XXXX XXXX a charge-off with a balance of {$230000.00} but with missing or conflicting payment history. Violates FCRA 1681e ( b ) and 1681i ( a ). 
XXXX XXXX XXXXXXXX loan reporting charge-off with {$150000.00} balance with no complete payment history. Violates FCRA 1681e ( b ) and 1681i ( a ). 
XXXX XXXX XXXXXXXX XXXX Shows multiple 30/60/90-day lates but payment data is inconsistent and unverifiable. Violates FCRA 1681e ( b ) and 1681i ( a ). 
XXXX XXXX XXXX ( SBA ) Reports a government loan charge-off with {$35000.00} balance but no supporting payment history. Violates FCRA 1681e ( b ) and 1681i ( a ).

2. Outdated or Incorrect Addresses TransUnion continues to report multiple addresses that are outdated, incorrect, or never authorized to appear on my report, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and valid address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove outdated addresses violates FCRA 1681e ( b ).

3. Incorrect Aliases TransUnion continues to report multiple name variations that are not my legal name, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This violates FCRA 1681e ( b ) for failing to maintain maximum possible accuracy of consumer identity data.

What I Have Already Done : I have spoken with multiple TransUnion agents by phone, mailed formal disputes with certified mail and return receipt, provided copies of my government ID and proof of address, and filed an additional dispute through XXXX XXXX yet these inaccuracies remain unresolved.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-14 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: VA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-14 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$380.00} DEPT OF ED/XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} DEPT OF ED/XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} DEPT OF ED/XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00XXXX XXXX XXXX XXXX  XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion

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 2025-07-14 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: CO

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 XXXX XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Subject : Formal Dispute Demand for Full Verification and Supporting Documentation Dear Credit Bureau , This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ) concerning an account currently reporting inaccurately on my credit file. You are now required to perform a full reinvestigation and verify this account with actual supporting documentation from the data furnisher.

Account Information : Creditor Name : [ Insert, e.g., XXXX XXXX ] Account Number ( Last 4 digits ) : [ Insert here ] Reporting Bureau : [ XXXX  XXXX XXXX  XXXX Equifax ] Dispute Basis : This account is being reported without proper legal documentation, and the information listed is inaccurate, incomplete, and unverifiable. I am demanding a full reinvestigation as required under FCRA 1681i ( a ) ( 1 ).

Required Verification Points : To remain on my credit report, this account must be verified with the following : 1. A copy of the original signed contract or agreement that includes my signature 2. A complete account history showing accurate balance, open date, last activity, and payment record 3. A breakdown of the full amount owed, including interest, principal, late fees, and charges 4. Legal chain of assignment, if the debt has been sold or transferred 5. Proof that the data furnisher has performed a reasonable reinvestigation under FCRA 1681s-2 ( b ) 6. Metro 2 Compliance, including : Accurate and verifiable DOFD ( Date of First Delinquency ) Correct account status, type, and remark codes Account is properly marked as Disputed by Consumer If the Account Can not Be Verified : You must delete this tradeline under FCRA 1681i ( a ) ( 5 ) ( A ) and send written confirmation.

Failure to investigate thoroughly, or to maintain accurate reporting, will be viewed as a violation of : FCRA 1681i Failure to Reinvestigate FCRA 1681s-2 ( b ) Failure to Maintain Accuracy FCRA 1681n/o Willful or Negligent Noncompliance Enclosed : Copy of government-issued photo ID Proof of current address A printout of the disputed tradeline Please respond within the required 30-day timeframe and provide confirmation of the outcome and method of verification used. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
As I was reviewing my credit report I noticed items that I am unfamiliar with but I am contacting you guys regarding my accounts that are showing negative balances. I need y'all to remove my information and put my accounts back into good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3100.00} INQUIRIES : 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 2025-07-14 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I am disputing the continued reporting of a charged-off account by XXXX IndigoXXXX XXXX The account was sold to another lender/collection agency, and the balance is showing {$0.00}. However, XXXX Indigo is still reporting this account as a charge-off alongside the current collector. 

This is causing duplicate derogatory reporting for the same debt, which is misleading and unfair, and violates the Fair Credit Reporting Act ( FCRA 623 ) and Metro 2 reporting guidelines.

According to industry standards, once a debt is sold and the balance is XXXX  out, the original creditor should stop any further negative reporting and deletion I have also disputed this directly, and the credit bureaus returned it as verified without proper validation.

I am asking for this inaccurate trade line to removed from my report entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation