vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am writing to formally dispute an account reflected on my credit report which I did not authorize, open, or have any knowledge of. This account is fraudulent and does not belong to me.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX I made a claim with capital one bank on XXXX difference transactions to receive back {$59.00}! 

I received that and shirtly after my account went negative ; my account is always negative due to me being a XXXX XXXXr and because capital one has an overdraft protection options. 
After receiving the money ; XXXX weeks later XX/XX/XXXX I received my USUAL DIRECT DEPOSIT from the XXXX XXXX XXXX XXXX and this check was for {$1700.00}! I received this XXXX about XXXX early XX/XX/XXXX morning. 
I spent over {$200.00} in less than XXXX and when I tried to attempt to use my card it was LOCKED! 
I proceeded to call capital one at XXXX on XX/XX/XXXX and ask why is my account locked especially after getting almost {$2000.00} in a payroll check ; they said they sent out and email out at XXXX stating itll be closed! Theyre holding my money and did not give me any time to transfer my funds ask the account will be closed nor did they tell me anything prior to what happened XX/XX/XXXX! 
Only email I received from them was them telling me to make my account back positive ; something every bank sends when a customer account is below {$0.00}! 
I have XXXX kids that have XXXX I need my funds and they are not working with me and I hate the fact I was not giving a heads up for me to at least prepare!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-21 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting XXXX XXXX Account # XXXXXXXXXXXX XXXX XXXX XXXXo Whom It May Concern, I am submitting this formal complaint against the credit reporting agencies for failing to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

I am disputing the reporting of the account listed as XXXX XXXX Account # XXXX. Upon reviewing my credit reports from multiple bureaus, Ive identified that the information listed for this account is inconsistent and contradictory across the different credit reporting agencies. This inconsistency is a clear indication that no reasonable investigation was conducted after my prior disputes. 

The credit bureaus are legally obligated to verify the accuracy and completeness of any account they report. Given the discrepancies, and the failure to correct or remove the account, I believe my consumer rights have been violated. 

Therefore, I am requesting that this account be permanently deleted from all of my credit reports immediately. Continued reporting of inaccurate and unverifiable information is harmful and in direct violation of federal consumer protection laws. 

Please confirm that the account has been removed and provide me with updated copies of my credit reports reflecting this correction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 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: NY

Complaint narrative:
Category : Credit reporting Sub-category : Incorrect information on your report Company : Experian, XXXX XXXX Complaint : I am disputing several accounts on my credit reports that are inaccurate, fraudulent, or reported in violation of federal law. A mortgage account with XXXX XXXXs XXXX foreclosure XXXX while I am in active litigation and a court-authorized modification with XXXX XXXX XXXX XXXX XXXX XXXX under New York Supreme Court XXXX XXXX XXXX XXXX This is materially false and harmful. 

I also dispute XXXX collections from XXXX XXXX XXXX and XXXX from XXXX XXXX of the XXXX. These are either unrecognized or improperly validated. 

These inaccurate reports have prevented me from refinancing and restoring my financial situation. I request the CFPB ensure these accounts are corrected or removed immediately under FCRA and FDCPA rules. 

Supporting documents, court records, and identification are available.

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 2025-07-21 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: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-21 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: NC

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. These items are inaccurate and do not belong to me.

As provided under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent items be blocked and removed. Enclosed are a list of the disputed entries and my FTC Identity Theft Report.

Please investigate and provide written confirmation once the corrections are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Transunion, Experian, and Equifax I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX  Account Number : XXXX * * Description of the Inaccuracy : inaccurate account history and incomplete Account Information to Be Disputed : Creditor Name : XXXX Account Number : XXXX * * * * * * * * * * Description of the Inaccuracy : inaccurate account history and incomplete Account Information XXXX XXXX Disputed : Creditor Name : XXXX  XXXX Account Number : XXXX * * * * * * Description of the Inaccuracy : inaccurate account history and incomplete Account Information to Be Disputed : Creditor Name : XXXXXXXX XXXX Account Number : XXXX * * * * Description of the Inaccuracy : inaccurate account history and incomplete Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of credit report, which serve as evidence to support my claim. 

I expect to receive a response within the XXXX timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-21 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: WI

Complaint narrative:
b"I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: WI

Complaint narrative:
b"I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 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: MD

Complaint narrative:
The following companies have " potentially '' taken advantage of reporting inaccurate information on my credit report if they were paid via a 1009 ( C ) or via insurance. If they were paid through insurance/or gotten paid for the debt, but yet trying to collect from me, then I demand that these accounts be removed from my credit report immediately due violations of CFPB, and Title 18.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The following companies have " potentially '' taken advantage of reporting inaccurate information on my credit report if they were paid via a 1009 ( C ) or via insurance. If they were paid through insurance/or gotten paid for the debt, but yet trying to collect from me, then I demand that these accounts be removed from my credit report immediately due violations of CFPB, and Title 18.

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 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
A escrow analysis was done on my house which is done every year I understand but this year my payment is going up by XXXX. I understand that I have a shortage of XXXX and during the analysis they say I will be short XXXX I understand all that but at same time they are expecting 2 months escrow as well I don't mind paying but in 1 year. Let me explain about XXXX or 5 years ago I had my will done by an attorney and had my brother as personal rep. unbeknownst to me he also had me sign a P.O.A. putting my brother but doing so put my brother on deed. Life changes, He ended up getting divorced and he filed bankruptcy this year. We called the bank, and they said several no problem he's not on mortgage or help paying at all but since he filed. Chase as treated me like a second-class person. Removed my mortgage from there website and because I've asked so many questions now, they won't answer me. I think they are making me have 2 months escrow because of bankruptcy but they say no. If they do how much of my past escrow was going to the 2 months balance, they require and where is it. That is what they won't tell me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
Upon reviewing my credit report, I noticed that this account is being reported as a charge-off month after month, which is not only misleading but also inaccurate. 

I request immediate deletion if the account can not be fully verified. 
Account Name XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Reported Balance : {$9500.00} Status : Charged Off as Bad Debt Date Opened : XX/XX/XXXX Reported by : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX The following issues make this account unverifiable and in violation of the FCRA : 1. No payment history is reported Reporting a charge-off without a full and accurate payment history lacks context and misrepresents the account 's status.

2. Original creditor is missing This makes the debt 's origin unverifiable.

3. Contradictory comments The account shows both " charged off '' and " profit and loss write-off '' without clarity.

4. No indication of collection activity The balance remains reported without clear collection activity or transfer, which is misleading. 
XXXX. Last payment reported was XX/XX/XXXX, but status was updated in XX/XX/XXXX This inconsistent timeline raises accuracy concerns. 

Specifically, on TransUnion, this repeated charge-off reporting violates the Metro 2 credit reporting format and the Fair Credit Reporting Act ( FCRA ).

A charge-off is supposed to be a one-time event, not something that is re-reported each month to continuously harm my credit standing. Reporting it repeatedly inflates the negative impact of the account and misrepresents its true history. This practice does not comply with federal credit reporting guidelines and has been flagged by the Consumer Financial Protection Bureau ( CFPB ) as improper.

I am requesting that this account be immediately deleted from my credit report due to this ongoing inaccurate and non-compliant reporting. Please complete your investigation and confirm the deletion in writing.

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 2025-07-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These are all without my consent or permission. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XXXX XXXX. XXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: AL

Complaint narrative:
Account open without my consent and sold to third parties. And was taken of my consumer report and returned months laters without proper investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
With TransUnion, Equifax, and Experian, I requested validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with state laws. This violates Fair Credit Reporting Act section 1681b ( c ). You have 30 days to complete an investigation per Fair Credit Reporting Act section 611. I further reminded them that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX they were liable for their willful non-compliance. They have 30 days to respond satisfactorily or small claims action will be taken against your company, seeking {$1000.00} per violation for : defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act.

Under FCRA section 609, they're obligated to prove this account is mine. Under FCRA section 611 ( a ) ( 6 ) and ( 7 ), provide verification. You must also abide by FCRA sections 1681 ( a ) ( 4 ) and 1681b. Abide by FCRA 15 USC 1681a and 15 USC 1681b ( 4 ), and FCRA 15 USC 6802. Violation of sections 605, 1681a ( 4 ), and 1681b. Violation of FCRA sections 609, 611 ( a ) ( 6 ), and 611 ( a ) ( 7 ). Abide by FCRA 611 ( 5 ) ( A ) ( i ).

If this is my account, there should be a signature and identification attached to it. I told them failure to provide this information should result in the deletion of the account or accounts in question. This is erroneous reporting and is subject to legal action. All credit bureaus preformed sham investigations.

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