vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
This letter is to inform you that my credit report contains one or more entries that I did not authorize and that were not opened by me. These entries are fraudulent in nature and are damaging my credit profile without justification.

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 2025-07-09 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: MI

Complaint narrative:
I am writing to bring your attention to a late payment that has been inaccurately reported on my credit report. I have maintained a consistent history of on-time payments and found this entry to be inconsistent with my records.

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 2025-07-09 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: CA

Complaint narrative:
Account XXXX The company did not complete the IRS Consent Form 4506-C application verification process. This account was reported without verification of my identity or completion of my application. I request immediate investigation and removal under FCRA. '' This account was reported without completing proper identity or application verification. I never received confirmation of approval, and no completed application was finalized by the creditor. I did not authorize this account to be opened or reported.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, furnishers of information are required to ensure that all information they report is accurate and verified. Since this account was reported without verifying my identity or completing the application process, I believe this is a clear violation of that requirement.

Action Requested : I request that this account be investigated and removed from my credit report immediately if the creditor can not provide documented evidence of a verified and completed application bearing my consent and signature.

Enclosed are copies IRS Consent Form 4506-C, my ID, and a utility bill to confirm my identity and address.

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 2025-07-09 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:
Account XXXX The company did not complete the IRS Consent Form 4506-C application verification process. This account was reported without verification of my identity or completion of my application. I request immediate investigation and removal under FCRA. '' This account was reported without completing proper identity or application verification. I never received confirmation of approval, and no completed application was finalized by the creditor. I did not authorize this account to be opened or reported.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, furnishers of information are required to ensure that all information they report is accurate and verified. Since this account was reported without verifying my identity or completing the application process, I believe this is a clear violation of that requirement.

Action Requested : I request that this account be investigated and removed from my credit report immediately if the creditor can not provide documented evidence of a verified and completed application bearing my consent and signature.

Enclosed are copies IRS Consent Form 4506-C, my ID, and a utility bill to confirm my identity and address.

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 2025-07-09 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: WA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
Under FCRA 1681i ( a ) and Texas Business & Commerce Code 20.06, credit reporting agencies are required to promptly investigate and correct disputed information upon notification. Federal law also requires credit agencies to provide proof of verification of how each item was investigated and deemed valid. Failure to remove or verify these inquiries violates obligations under set stature, concluding that Experian willingly accepts responsibility for continuous violations of my FCRA and CFPB consumer rights and therefore, in debt to me in the amount of {$1000.00} for each continued violation that is not properly investigated, verified and detailed organization contact information is not provided to me. 

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

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 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
At the beginning of XX/XX/2025 I sent a letter via postal mail to fair collection and outsource that was notarized. requesting for the validation in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade-line. I am asking that theses demands are answered or remove the associated negative trade-line completely from my credit reports and any other reporting agencies. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statue.

Thank you in advance for your anticipated cooperation.

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 2025-07-09 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you TRANSUNION credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS - XXXX XXXX  {$20000.00} XXXX {$1300.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-09 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: CA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I am writing to dispute fraudulent entries currently appearing on my credit report. I have no knowledge of these accounts, nor did I provide authorization for their creation. Their presence indicates possible identity theft or unauthorized use of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NV

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

Company 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 2025-07-09 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: NV

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2025, while walking my dog in XXXX, I was approached by two men who initiated a conversation about donating to children 's funerals, citing XXXX XXXX as the cause. They presented a poster of what appeared to be photos and news clippings, and the two men held what appeared to be legitimate donation listings. Out of a desire to help, I made a small {$5.00} contribution via tap-to-pay. However, I discovered two unauthorized charges of {$3000.00} each, totaling {$6000.00}, to a motor vehicle supplies and new parts vendor. Because this is a scam, no receipt exists. 

I filed a fraud claim within minutes of this occurring. This fraud claim was denied. 

In an attempt to identify the merchant online in the event that my card was charged to a real business, I found that both transactions for " XXXX XXXX XXXX '' are labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, this merchant is non-existent and does not have verifiable business operations or a location associated with this merchant. Therefore, I attempted to dispute both of the charges, which have been denied due to the lack of receipt. I called to appeal and had the claims reopened, but they were subsequently denied again for the lack of receipt. I was told over the phone that the classification of claim should not matter as the merchant doesnt exist. I have called again to reopen the claim and an ongoing appeal of the dispute decision is occurring. I also filed a police report detailing the events that that occurred on the date of occurrence. 

This is also a scam that was covered in a news article in the XXXX area and the bank has noted that they have heard of the scam.

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 monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I have repeatedly tried reaching out to CNAC and I have repeatedly disputed with XXXX XXXX XXXX in regards to verification of this debt from this company. I do not owe CNAC. I have been unsuccessful with both agencies. CNAC has never reached out to me in regards to this account. This account has never been resolved. It needs to be removed immediately from my account as it is flagging as derogatory. It is not fair to have these accounts on a consumers report without the company verifying the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have repeatedly tried reaching out to XXXX and I have repeatedly disputed with EXPERIAN and TRANSUNION in regards to verification of this debt from this company. I do not owe XXXX. I have been unsuccessful with both agencies. XXXX has never reached out to me in regards to this account. This account has never been resolved. It needs to be removed immediately from my account as it is flagging as derogatory. It is not fair to have these accounts on a consumers report without the company verifying the debt.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Caine & Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Debt Dispute and Request for Validation under FDCPA and FCRA To Whom It May Concern, This letter is in response to a recent communication I received from your office regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1692e, and 1692f, I am formally disputing this debt and requesting full validation. 

Please understand that I am not refusing to pay this debt ; however, I am requesting that you provide sufficient documentation to validate that I am legally obligated to pay it. Under 15 U.S.C. 1692g ( b ), once a consumer notifies a debt collector in writing that a debt is disputed, the collector must cease all collection activities until verification of the debt is provided. I previously submitted such a dispute, and to date, you have failed to comply with your legal obligation to validate this debt. 

I am requesting the following information : The full name and address of the original creditor A complete accounting of the alleged debt, including principal, interest, and any fees A copy of the original signed agreement or contract bearing my signature ( if applicable ) Documentation proving you are legally authorized to collect this debt in the state of North Carolina The date the debt was incurred and the date of last payment ( if any ) In addition, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to report only accurate and verifiable information to any credit reporting agencies. If this debt is currently being reported, I demand that it be marked as disputed until resolved, as required by law. 

Please be advised : continued collection efforts or credit reporting without providing full and proper validation of this debt constitutes a violation of the FDCPA and FCRA. Such actions may be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the North Carolina Attorney Generals Office, and may result in legal action under 15 U.S.C. 1692k. 

I am keeping detailed records of all communications. You have 30 days from receipt of this letter to provide the requested documentation. If you can not validate this debt, you must immediately cease all collection efforts and correct any information reported to credit agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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