vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-08-21 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-08-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I

am submitting this complaint regarding Credit Collection Services, who is attempting to collect and report a debt in Michigan without holding the required state license under MCL 339.904. Under Michigan law, a collection agency must be licensed to operate in the state. A license search on the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) website shows CCS is not licensed. Screenshot attached.

Despite this, CCS continues to report to the credit reporting agencies and attempt collections. This is illegal under Michigan law and constitutes a violation of the FDCPA, 15 USC 1692e.

I request enforcement action and for CCS to immediately delete and cease collection activity in Michigan and confirm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Account name : XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-21 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: IL

Complaint narrative:
My information was involved in the XXXX XXXX XXXX XXXX and account were opened under my identity. I didn't know about it until I set up an account with all 3 CREDIT AGENCIES, when I contacted them to explain that none of these accounts belong to me and the the addresses on my report are fraudulent, they wouldn't remove them because ( CREDITORS are reporting the addresses ). I told them the one and only address that should be on my reports, I believe they added it to it, but would not remove the other one 's. All the accounts are fraudulent, the inquiries are as well, I seen an inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I never applied to either one of these financial institutions. I'm uploading my DISPUTE LETTER AND PROOF OF MY IDENTITY. I PRAY THAT THESE SITUATIONS CAN BE CLEARED UP IMMEDIATELY.

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 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called in capital one on XX/XX/year> after making a planned payment in XX/XX/year> utilizing XXXX XXXX. On XX/XX/year> I spoke to a representative provided the information and was placed in a payment plan. He advised that the payment haven't been reflected but as long as the payment hits by this evening the payment plan will be in effect. I can callback after XXXX if I don't see it in my app. As I checked my app the plan reflected before XXXX. So I did not call back and I had received the payment plan. Four days letter I receive an email that my plan has been canceled due to not following the agreed upon arrangements. 
I called Capital one and got the run around and finally was transferred to escalation and eventually spoke to a representative provided name XXXX from the office of the president who provided me with a case number case number is XXXX, she advised she would get back to me by XX/XX/year> I have been calling back for days with a follow up to rectify this situation and have not received any help but being told I would need to speak to her since she is the one handling my case. I need to get this fixed and need my vehicle. They are refusing to assist as I am taking care of XXXX sick parents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-21 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-08-21 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: TX

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/scrub> 2025, I went to look at a new vehicle. Upon running my credit, I was told I couldn't get one because I have a CLOSED auto account. I showed the salesman the app on my phone which says I'm current and was told unless I get it fixed, I'm going to have a hard time getting another vehicle. I contacted Ally Financial immediately and was told it would be taken care of after a 10 day investigation ; and that I would have to call back for the results of said investigation. I called back and was told that it was taken care of, regardless of what it says on my credit report and was sent out a copy of my agreement with Ally Financial. I filed a report with all 3 credit bureaus ( XXXX XXXX XXXX ) and according to the emails I'm still receiving, Ally has not responded to any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
all zelle transactions double transactions made to people i payed funds withdrawn from my account that were not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under federal law ( USC 1681g ), these invalid accounts must be rectified and purged within fifteen days.

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 2025-08-21 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: AZ

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account name XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2400.00} Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Account name XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$30000.00} Account name XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXXXX/XX/XXXX Balance : {$2100.00} Account name XXXX XXXX CARD Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} Account name XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I file a dispute on XXXX for {$1200.00} and the merchant XXXX refunded the funds on XX/XX/year> but SoFi bank has yet to deposit the funds into my account. I have reach out several times but they have been no help. Ive ask for a control number and have got nothing. I will had the messages from the merchant stating they refunded the funds on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This dispute is regarding a fraudulent account reported under my identity. I have no association with this account, and I never provided authorization for its creation or reporting. Its inclusion is erroneous and damaging.

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 2025-08-21 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: GA

Complaint narrative:
I am disputing a late payment inaccurately reported on my account. My payment history shows that all payments were made timely. The reported entry is false and unjustly harming my credit profile.

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding fraudulent accounts that have been reported on my credit reports with Equifax, XXXX XXXX XXXX. I did NOT open or authorize any of these accounts ; they are the result of identity theft. 

Accounts in dispute : EQUIFAX : XXXX. XXXX XXXX Services {$7700.00} XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$240.00} XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$650.00} XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX {$30000.00} XXXX XX/XX/XXXX XXXX  : XXXX. XXXX XXXX  XXXX XXXX {$30000.00} 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 OTHER REPORTS : XXXX. XXXX XXXX XXXX {$7700.00} Closed Charge-off XXXX. XXXX XXXX  XXXX XXXX {$30000.00} Closed Charge-off XXXX. XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX. XXXX XXXX  Closed Paid charge-off I have filed a police report and an FTC Identity Theft Report regarding these fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), including * * 605B ( 15 U.S.C. 1681c-2 ) * *, * * 611 ( 15 U.S.C. 1681i ) * *, * * 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) * *, and * * 609 ( 15 U.S.C. 1681g ) * *, I am entitled to have fraudulent and unverifiable accounts * * blocked or deleted immediately * *.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA 809 ), any alleged debt reported by collection agencies must be validated. The bureaus and furnishers have failed to provide adequate verification, and as such, I demand * * immediate deletion of all fraudulent accounts listed above * *. 

The credit bureaus have failed to remove these accounts after my prior dispute. I request that the CFPB intervene and enforce deletion as required by law and provide confirmation of deletion from each bureau.

Company response to consumer: Closed with explanation