vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NV

Complaint narrative:
I am formally disputing the inaccurate and unverified information currently appearing on my credit report under the Fair Credit Reporting Act ( 15 USC 1681 et seq ). You are in violation of your legal obligation to ensure maximum possible accuracy of all information you report ( 15 USC 1681e ( b ) ). 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These derogatory entries are inaccurate, incomplete, and unverifiable. As the data furnisher and repository, you are obligated to conduct a reasonable reinvestigation ( 15 USC 1681i ( a ) ( 1 ) ( A ) ) and provide me with documented evidence supporting the accuracy, ownership, and permissible purpose ( 15 USC 1681b ) for these accounts and inquiries. Failure to maintain complete and verifiable documentation prior to reporting violates Metro 2 compliance standards and CDIA guidelines. 

Furthermore, I have strong reason to believe you may be engaging in unlawful form letter responses to legitimate disputes, as prohibited under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Each dispute requires an individualized reinvestigation. Failure to properly process my disputes may constitute willful noncompliance ( 15 USC 1681n ) and negligent noncompliance ( 15 USC 1681o ), exposing you to civil liability.

You have 30 days from receipt of this letter to : Complete a full reinvestigation as required by law.

Provide me with the complete method of verification ( 15 USC 1681i ( a ) ( 7 ) ).

DELETE these unverifiable accounts if you are unable to fully validate and substantiate the accuracy of each record. 

Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and my private legal counsel for further action.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account is inaccurate and should not be associated with my credit file. I was the victim of a data breach in which my personal and financial information was compromised. As a result, fraudulent activity may have occurred in my name without my knowledge or consent. I am currently working to secure my identity and investigate the scope of this breach. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX FTC report attached Under the Fair Credit Reporting Act ( FCRA ) XXXX, I have the right to dispute inaccurate information on my credit report and request that the bureau investigate the validity of the 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 2025-06-18 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: CA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] 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
Consumer complaint received 2025-06-18 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: AK

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

1681c-2 ) that you, the Experian 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. 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, AK XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern, I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Date : XXXX XXXX TransUnion XXXX. XXXX XXXX XXXXXXXX, PA XXXX Re : Request for Debt Validation Account - Associated Crdit Account # XXXX To Whom It May Concern : I am writing in response to an account that I noticed on my credit report on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am requesting the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature.

4. Proof that your agency is legally authorized to collect this debt in my state.

5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name.

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA.

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, 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 2025-06-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX and i noticed this problem on my credit report in XX/XX/year> there are multiple inaccuracies reporting on my credit report. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: HI

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-06-18 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-18 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt 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 2025-06-18 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: AL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused me to lose thousands of dollars in earnest money, legal fees, appraisal costs, and to suffer extreme emotional distress. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1. Obtain a certification of accuracy from the furnisher of the information 2. Provide me with written notice of the reinsertion within five ( 5 ) business days You did neither.

This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi. I have multiple credit cards that I do not recognize. JCMB is XXXX. I have provided all of my information. Under FCRA 611 and FCRA 609 ( a ) ( 1 ) + ( 2 ) I want it. Them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I attended an informational video call with XXXX XXXX for mentoring services. At the end of the call, I signed an agreement for 3 months of mentoring services and paid {$3500.00}. We started mentoring services on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX XXXX via XXXX and asked if we can pause services due to a medical issue I was experiencing. We agreed to tentatively resume on Wednesday XX/XX/XXXX. 

On XX/XX/XXXX I realized that my medical condition was not improving as quickly as I would like, so decided that I would like to cancel the remainder of our service contract and receive a pro-rated refund. So I sent XXXX a message on XXXX on XX/XX/XXXX. He replied on XX/XX/XXXX and encouraged me not to give up and insisted that he would like to continue mentoring me. I advised him that I would like to stop services and would like to focus on recovery, and asked again for a prorated refund. However, I never heard back. 

In the Termination clause of the agreement I signed, it states If You terminate the Agreement before the Services have been completed, You will be liable to Us for a pro rata share of the total cost of the Services as outlined in Section XXXX. '' 3 months ( XXXX weeks ) of mentoring services is 85 days ( if you include the first and the last day ). I received mentoring services starting on XX/XX/XXXX through XX/XX/XXXX. That period of time is 43 days ( inclusive ) of services rendered. That leaves 42 days left of mentoring that I am refusing service on and for which I submitted a dispute to American Express on XX/XX/XXXX to request a credit from American Express in the amount of XXXX : ( XX/XX/XXXX ) * {$3500.00} = {$1700.00}. 

On XX/XX/XXXX, American Express closed the dispute without reading my statement or carefully looking at the documentation I provided, if at all. So I re-opened the dispute on that same day. However, the dispute was closed again on XX/XX/XXXX with the vendor citing my lack of written notice to terminate the contract ( and again, American Express failing to read through the documentation I provided ). However, I did in fact provide written notice to XXXX XXXX via XXXX on XX/XX/XXXX ( this was mentioned in the dispute and the re-opening of the dispute, but was ignored both times ). The dispute itself should also serve as written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I Am writing to formally express my concerns regarding XXXX handling of disputes, XXXX in light of the recent CFPB Lawsuit highlighting significant issues with the platform. despite using zelle plenty of times reporting discrepancies ', my finical insutuion and XXXX failed to investigate my claims adequately. they informed me that recovering lost funds was impossible, no credits, or disputes it was impossible and the tracking these transactions was unfeasible, the cfpb findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. leaving users vulnerable to scams,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. My Social is XXXX. I am writing in regards to a collection agency called XXXX XXXX XXXX. This company is a collection agency that bought the original debt from XXXX Bank. The original debtor has already been taken off my credit because the 7 year statute has expired. Now XXXX XXXX XXXX has put themselves on my credit report in an attempt to collect that does not belong to them. 

This collection agency should not be on my credit because I have already been punished for XXXX  years by the original debtor XXXX XXXX. I should not have to wait XXXX more years for the same debt. I ask that XXXX XXXX XXXX  be REMOVED IMMEDIATELY from my credit report because they are not the original creditor and I have never done business with them and never had an account with them. They bought an XXXX XXXX XXXX debt. 

Bottom line is that they need to REMOVED IMMEDIATELY from my credit report because XXXX XXXX XXXX is not the ORIGINAL DEBTORS and the original debtors have already fallen off after the XXXX  year statute and these Collection Companies can not start the same debt over again for another XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NY

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

1681c-2 ) that you, the Experian credit reporting agency, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 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: IL

Complaint narrative:
Recently, checking my credit report I noticed that Ive been a victim of identity theft found numerous credit inquiries. I have no knowledge of who are the inquiries that I found XXXX XXXX XXXX XX/XX/year> XXXX credit accept XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX main XX/XX/year> Bank of XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> please remove the fraudulent inquiries from my Experian credit report. I also attached my identity theft report as well.

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 2025-06-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-18 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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