vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: WI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am filing this formal complaint against XXXX for unlawful reporting of a negative item on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

This collection account is currently preventing me from securing a home for my family. The debt collector has : Failed to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice of the debt within five ( 5 ) days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA.

Failure to Validate the Debt Case law has established that merely placing a tradeline on a consumers credit report without proper validation constitutes deceptive collection activity. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. 2001 ), the court ruled that reporting a debt to a credit bureau without first validating it violates the FDCPA. 


Lack of Authorization / Permissible Purpose Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized [ Debt Collector Name ] to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful.

Identity Theft & Blocking Rights Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, their tradeline qualifies as unauthorized and must be blocked.

Deceptive and Abusive Collection Tactics The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. This is exactly what has occurred in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: PA

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX2025- Received piece of physical mail with physical chime card to activated for an account that I did not open under my name XXXX2025- Called XXXX  ( third party company ) who attempted to reach out to Chime to close the account, however this was outside of normal business hours XX/XX/scrub>/2025 - Called Chime, who refused to close the account or provide additional information about the account ( ie if the account had been successfully opened, if any money had been spent, etc ). They requested a physical ID photo and a FTC report with Chime as an affected account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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.

1681c2 ) that you, the Experian credit reporting agencys block the information
appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$59.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$73.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-04 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: MI

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate information that fails the FCRAs maximum possible accuracy standard and is causing significant, ongoing harm to my financial stability and personal well-being.

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 2025-09-04 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 filing this formal complaint against TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, TransUnion has failed to remove or block fraudulent accounts from my credit file as required by law. The following accounts in question include is XXXX XXXX XXXX & XXXX - XXXX XXXX  XXXX, which the banks confirmed would be deleted but remains on my report. These accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. TransUnions refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re inserting accounts without proper notice. These failures have caused me XXXX XXXX, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year>2025 letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Noticed a card on my credit report thats not mine and was opened without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate information that fails the FCRAs maximum possible accuracy standard and is causing significant, ongoing harm to my financial stability and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One This is now the third time I am requesting that Capital One comply with its obligations under federal credit laws. Instead of addressing my lawful requests, Capital One continues to respond only by stating that its reporting is " accurate, '' without providing the documentation required by law. 

Specifically, under 15 U.S.C. 1666b ( Credit Card Act Timing of Payments ), a creditor may not treat a credit card payment as late unless the periodic statement was mailed or delivered at least 21 days prior to the due date. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to conduct a reasonable investigation and to correct or delete inaccurate information after a dispute has been filed.

Capital One has failed to provide proof that my monthly statements for the disputed months ( XX/XX/scrub> 2024, XX/XX/scrub> 2024, XX/XX/year>2024, and XX/XX/year>2024 ) were mailed and delivered to me at least 21 days before the due dates. I have specifically requested verifiable documentation, including proof of mailing and tracking confirming delivery to my address, but Capital One has ignored this request.

Without such evidence, reporting these payments as " late '' is unlawful under 15 U.S.C. 1666b, and Capital One is in violation of the FCRA for failing to conduct a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-04 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX  has inaccurately reported a 30-day late payment for XX/XX/XXXX on my mortgage account. This reporting is false, misleading, and damaging to my credit. 
On XX/XX/XXXX, I purchased a cashiers check in the amount of {$4100.00} from XXXX XXXX XXXX, payable to XXXX XXXX XXXX. I immediately sent this payment via XXXX XXXX XXXX, tracking number [ insert number ], scheduled for delivery on XX/XX/XXXX. 
Despite my timely payment, XXXX failed to deliver overnight and instead took 3 days. This delay was entirely the fault of XXXX, not me. As a result, XXXX XXXX XXXX  reported my account as 30 days late across all three major credit bureaus ( Experian, Equifax, TransUnion ). 
This reporting is : Factually inaccurate The payment was initiated on time. 
Misleading It implies consumer fault when the delay was caused by the postal carrier.

In violation of FCRA 15 U.S.C. 1681e ( b ) furnishers must report with maximum possible accuracy.

In violation of FCRA 1681s-2 ( a ) creditors can not furnish information they know ( or should know ) is inaccurate. 
Courts have held in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) that reporting technically correct but misleading late payments is a violation of the FCRA.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a dispute with the credit reporting agencies ( XXXX  and XXXX ) but it was denied. I supposed I did not put enough detail, or the report may have been overlooked. I filed another dispute with the credit reporting agencies on XX/XX/XXXX describing with greater detail. XXXX  shows that the account status for XX/XX/XXXX is 120 days late, XX/XX/XXXX is 120 days late and XX/XX/XXXX is Charged Off. This does not match up with XXXX report showing XX/XX/XXXX is 150 days late, XX/XX/XXXX is 180 days late and XX/XX/XXXX has no report. The account is Charged Off and has been charged off with the balance of {$8000.00}, therefore the balance should show {$0.00}, but it says there is a balance of {$8000.00} still reporting. I requested a copy of the 1099-C for the Charged off Account. This account should be closed because of the above information. The letters I attached were sent on 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