vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-07-02 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: NC

Complaint narrative:
I am a victim of identity theft and have found multiple unauthorized accounts and inquiries on my credit report that I did not initiate. These items are fraudulent and must be removed. 

Pursuant to Section 605B of the Fair Credit Reporting Act, I request that you block and delete these items from my credit file. 

Enclosed are : A list of disputed items My FTC Identity Theft Report Government-issued ID and proof of address Please confirm in writing once the corrections have been made. Thank you for your prompt attention.

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 2025-07-02 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. Federal law under the FCRA states that you must have my written consent to disclose my personal information, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office violated my privacy again. Under 15 USC 168XXXX ( a ) ( 4 ).

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 2025-07-02 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: WI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
The following item ( s ) on my credit report are fraudulent and were not authorized by me. These accounts are the result of Identity Theft.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Last month, I sold my bitcoin because I needed liquidity, and I was unable to withdraw the cash to my bank account because of a passkey error. I did enroll in a required passkey the week prior, since it became a security requirement for all XXXX XXXXustomers, which would replace the old XXXX XXXX process. The problem was that when I went to verify my passkey so that I could withdraw the money, I was stuck in a verification error loop. I tried many times, on separate occasions, on my phone, my XXXX, and on desktop, all to no avail. Many other customers are experiencing similar technical issues as me, and they've been expressing their frustrations on the XXXX XXXXXXXX XXXX  does not have a customer service phone number, they only have a page on their website where customers can submit a support ticket. Fine. I do that. I submitted a support ticket on XX/XX/XXXX ( I'm currently in XXXX ), ticket # XXXX. " XXXX '' from XXXX XXXXesponds on XX/XX/XXXX ( XXXX time ). XXXX 's response was entirely unhelpful, and it was as if he didn't even read to my questions and request. Instead, he gave me a very generic response that already exists on the exchange website. I responded to that same ticket because I did not want to create another one. Silence, no response, no accountability. I subsequently filed a complaint ticket on XX/XX/XXXX ( XXXX time ), ticket # XXXX. I expressed my frustrations with XXXX 's non-answer, and requested for XXXX to reset my passkey verification, so that I can re-enroll and access MY funds. I am writing this on XX/XX/XXXX. To this day, I have yet to get a response from XXXX customer support. If any banks or legacy exchanges withheld customer funds for this long, there would be a class action lawsuit by now. This is unacceptable. I am fortunate enough that I had savings to help me get by while I am waiting for this to be resolved, so that I can access my hard-earned money. I know I'm not alone in this one-sided struggle against a company with nonexistent and wholly unhelpful " customer service. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I dispute inaccurate reporting by Midland Credit Management, the furnisher of a {$1200.00} collection account ( # XXXX, opened XX/XX/XXXX ) on my credit reports. The last payment was XX/XX/XXXX, suggesting this debt is time-barred under XXXX XXXX XXXX statute of limitations, rendering continued reporting questionable. I sent initial dispute letters on XX/XX/XXXX with follow-up correspondence, requesting FCRA Section XXXX accuracy compliance and debt validation, but no response has been received by XX/XX/XXXX ( due XX/XX/XXXX ). XXXX XX/XX/XXXX response ( Confirmation # [ XXXX XX/XX/XXXX ] ) adjusted this account to closed, raising my score to XXXX, while XXXX  ( XXXX ) and XXXX  ( XXXX ) show inconsistencies. Midlands failure to investigate or correct this disputed information, despite my evidence, violates its furnisher duties. A fair resolution is the immediate removal of this account from all credit reports and compensation for the financial harm, including lost opportunities due to a score drop from XXXX to as low as XXXX during disputes. 
Attachments : dispute letters ( XX/XX/XXXX with follow-ups ), certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint against Experian for reporting inaccurate, misleading, and unverified information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my disputes and requests for verification, Experian has failed to conduct proper reinvestigations or provide any supporting documentation to validate the reported items. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Late Payment Balance : {$0.00} * * These two accounts are closed with a {$0.00} balance yet still reflect derogatory late payment remarks, which is misleading and inaccurate. There is no evidence that these notations are valid, and no documentation has been provided despite my FCRA Section 609 ( a ) ( XXXX ) request. Reporting closed accounts with derogatory marks without proper validation violates FCRA Section 1681e ( b ), which requires Experian to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Collection Balance : {$3100.00} * These collection accounts were reported without any verification of their accuracy or validity. I requested documentation from the original creditors, proof of liability, and proper validation. Experian failed to respond adequately or provide legally acceptable verification, violating FCRA Section 611 ( failure to reinvestigate ) and 609 ( a ) ( 1 ) ( failure to provide the source and method of verification ).

Experians failure to verify these accounts or delete them after dispute is causing serious and ongoing harm to my credit reputation. Their actions show a pattern of negligence and noncompliance with federal regulations designed to protect consumers from inaccurate credit reporting.

I respectfully request the CFPB to investigate Experians handling of my disputes and require them to provide documentation proving the accuracy of these accounts or permanently remove them from my credit file. 

I have attached supporting documents, including my dispute letters and relevant credit report entries.

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 2025-07-02 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIAN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-07-02 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied for and was approved for the American Express XXXX XXXX XXXX XXXX on XX/XX/year>. At the time of application, the card came with a welcome offer : a {$200.00} statement credit after spending {$2000.00} or more in eligible purchases within the first XXXX  months of card membership. I met this spending requirement by XX/XX/year>. 

On XX/XX/year>, a representative confirmed via chat that I had met the spending requirement and that the statement credit would be applied within XXXX weeks. On XX/XX/year>, a supervisor ( XXXX XXXX reiterated the same timeline and explicitly stated I would receive the {$200.00} credit by XX/XX/year>. 

However, as of XX/XX/year>, I still had not received the credit. I contacted American Express again, and a supervisor repeated the same XXXX week timeline even though that period has already passed. I was told to wait until " the next statement, '' contradicting the earlier assurance that the credit would be issued by XX/XX/XXXX. 

I have screenshots of all my communications with American Express, which confirm that : I met the spending requirement within the required time Amex acknowledged this multiple times I was promised the credit by a specific date ( XX/XX/XXXX ), which they failed to honor This delay and inconsistency violates the terms of the promotional offer and has caused undue frustration. I am requesting that American Express immediately apply the {$200.00} statement credit that I rightfully earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I submitted a written dispute to said debt collector regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information.

I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA. Failure to resolve this issue constitutes willful noncompliance 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 2025-07-02 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$86000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-07-02 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: MS

Complaint narrative:
I am a victim of identity theft. My credit report includes accounts and inquiries I did not authorize. Under Section 605B of the FCRA, please block and remove these items.

Attached are : A list of disputed items My FTC Identity Theft Report ID and proof of address Please confirm once the items are removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnio

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