vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-15 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: TX

Complaint narrative:
I suspect these unfamiliar inquiries may be unauthorized. Please investigate them immediately and take any corrective action needed. The attached documents may assist in your review.

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 2025-07-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 WXXXX XXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/year> To whom may concern.CFPBTransunion .Experian.Equifax. 
XXXX XXXX. LakeI received an inaccuratecreditreport from XXXX XXXX XXXX .As you can see in my attachment credit reportI spoke with a XXXX three months ago they have not stop this from keep doing wrong report is affectingme to purchase a homehas been delayed because this matter and have no heard from transunion XXXX since I added the Discover card to the CCFT .credit counseling program, my credit scoreis wrong. I have been with this company for the last 2 and a half and have no problem with my other creditors .Discover card has been paying through this program Discover card has not given the right payments balance. I have been speaking multipletimes with Discover and as well with XXXX since Discover acceptedthe program in XX/XX/year> up today XX/XX/year> nothing haschanged theinformationwrong ccft saying they wereon time with payment XXXX, please reviewthis letter if you need more information be free to contactme XXXX XXXX blue XXXX XXXX XXXX fl XXXX thanks sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I got a payoff amount for my lease vehicle to buy it outright, {$31000.00}, I then got a cashiers check from my bank XXXX XXXX  and mailed the check to XXXX XXXXl who my lease is through. Somehow capital one got a hold of it and cashed it. Now I have no ties to capital one at all and XXXX  and then have no affiliation either. I have reached out, XXXX  has reached out and so has my bank XXXX XXXX all to capital one and nothing has been done or resolved. We were able to verify that capital one auto department did in fact deposit the check. I have tracking numbers for the check showing it got mailed to the correct address and left with an individual. I have pictures of the cashiers check showing the amount, the date, and that it was made out to XXXX XXXX  and shows payoff in the memo section. I also have pictures of the back side showing it was in fact cashed by capital one. This has been going on since XX/XX/XXXX. I am now getting phone calls daily about missed payments, my credit is being affected now thats its showing extremely past due and I got a letter last week talking about repossession of if I dont make said payments. 
I need help please. 
Now thats its escalating to this point I feel like I should not only get my money back but also should be entitled to some kind of compensation for the hassle, the hurting my credit, the stress of dealing with this and the potential repossession. 

I have already filed a police report XXXX Police Department and have been dealing directly with an XXXX XXXX XXXX XXXX XXXX ) Who is also working with their fraud department detective due to the check being cashed and not made out to them. 

At this point in time I would like to think that there is more that can be done other the. Just getting my money back, such as compensation for the hassle of all this, the negative impacts on my credit report, the stress of trying to get in touch with everyone, the potential repossession ect.. 

I have pictures of everything, the tracking number show long it delivered to the address, the check front and back the back even shows capital one cashed it, the XXXX  chat showing where to mail the check, the letter talking about the repossession, credit report showing payment is late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
Im submitting this complaint because I believe the company listed is inaccurately reporting a credit account on my file and has not properly addressed the issues after prior disputes. 

XXXX XXXX XXXX Specifically : Date Last Active is inconsistent reported as both XX/XX/XXXX and XX/XX/XXXX. 

The account is marked as closed but still shows a balance of {$1800.00}, which raises questions about ownership and reporting rights. 

High credit is listed as {$1800.00}, while the credit limit was {$1500.00}. I requested a breakdown but got no valid explanation. 

The account states it was previously disputed and resolved, yet the inaccurate information remains. No valid verification or reinvestigation was provided.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im submitting this complaint because I believe the company listed is inaccurately reporting a credit account on my file and has not properly addressed the issues after prior disputes. 

XXXX XXXX XXXX Specifically : Date Last Active is inconsistent reported as both XX/XX/XXXX and XX/XX/XXXX. 

The account is marked as closed but still shows a balance of {$1800.00}, which raises questions about ownership and reporting rights. 

High credit is listed as {$1800.00}, while the credit limit was {$1500.00}. I requested a breakdown but got no valid explanation. 

The account states it was previously disputed and resolved, yet the inaccurate information remains. No valid verification or reinvestigation was provided.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: IN

Complaint narrative:
Tek Collect never sent me proper validation of the debt. I requested Proof of ownership of the alleged debt, Full chain of assignment from the original creditor to the current collector, and Forward flow agreement or purchase agreement, per 15 U.S.C. 1692g and established case law. They have not provided me with proof they had the legal right to collect from me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

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 XXXX 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 XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$6700.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello! What I want to say is : TD, XXXX and XXXX, my identity was stolen. From XXXX to XXXX, my credit card was stolen and I was applied for multiple credits, which seriously affected my credit score, and my credit card was swiped with a lot of money. I have informed the banks in time to deal with it, and the results have not been satisfactory! I haven't returned all the money, and I've been withholding my money, so I can keep paying back, paying interest and annual interest rate. I have paid off a lot of debts, but these debts should not be paid by me, not by myself! Why did I keep paying back the money, and my credit score dropped to XXXX, which used to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed about XXXX old accounts that have more than XXXX XXXX  on my credit report, according with the Fair Credit Report Act, accounts on charged off are supposed to be removed from the credit report. And XXXX of those accounts that I disputed were changed to open status and they are appearing as opened accounts on my credit report when those have been closed charged off for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am filing a complaint against both TransUnion LLC and XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and California Civil Code 1785.25 ( a ). The dispute involves a XXXX XXXX account that was charged off, marked paid in full, and sold to XXXX XXXX. XXXX has confirmed in writing that they no longer own or service the account. XXXX XXXX also confirmed the account was closed, not collected on, classified as fraudulent, and was never reported to TransUnion. 

Despite this, TransUnion continues to report the XXXX XXXX  showing a charge-off and late payments. XXXX refuses to request deletion and simultaneously refuses to verify or correct the reporting, claiming they no longer have access to the account. TransUnion refuses to remove the tradeline unless XXXX formally requests it even though XXXX denies owning or verifying the debt. There is now no active data furnisher that verifies or claims ownership of the account, making the tradeline legally unverifiable and misleading. 

I have submitted multiple certified disputes to TransUnion including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with identity theft documentation, a police report, XXXX  and XXXX letters, and my government ID. TransUnion continues to claim the account is verified, despite the fact that no entity verifies or takes responsibility for it. 

This failure to delete unverifiable and disputed information violates : FCRA 611 ( a ) and 1681i ( a ) ( 5 ) : requiring deletion of unverifiable tradelines FCRA 623 ( a ) : requiring furnishers to report only accurate and complete information California Civil Code 1785.25 ( a ) : prohibiting the furnishing or maintaining of known inaccurate or incomplete credit data Ive spent over 15 hours on calls, preparing documents, mailing letters, and following up. Ive incurred out-of-pocket costs for certified mail and experienced prolonged credit harm and stress all due to negligence and failure to follow FCRA procedures.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent information reported on my credit reports by the furnisher XXXX and XXXX. This account is listed on all three major credit bureaus XXXX XXXX XXXX, and Equifax ), but the reported details differ significantly : - XXXX reports 30 days past due - XXXX reports Past due 30 days XXXX times - Equifax reports Not more than two payments past due Additionally, the type of account is reported inconsistently ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the original creditor is not clearly identified in any of the three bureaus. 

These contradictions violate the Fair Credit Reporting Act ( FCRA ), which requires information to be accurate, complete, and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
During a purchase at Best Buy, I was asked if I wanted to apply for a credit card. I stated I did not want to and they still put the application through resulting in a hard inquiry on my account.

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 2025-07-15 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: IA

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 - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX Account Number : XXXX * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief