vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
Subject : Formal Complaint Against TransUnion for Failure to Provide Proper Verification Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion regarding its failure to properly verify disputed information in my credit report, despite multiple requests. This marks the third time that TransUnion has disregarded my demand for actual documentation and instead relied on automated processing methods that fail to provide meaningful proof. 

Additionally, it has now been over 30 days since my initial request, and TransUnion has failed to provide any response or the required documentation. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to complete investigations within 30 days and provide appropriate verification. TransUnions continued lack of compliance is a direct violation of my consumer rights.

This delay has significantly impacted my ability to secure a mortgage, and I find TransUnions response to be both inadequate and dismissive of its legal obligations. I am requesting that the CFPB intervene to hold TransUnion accountable and ensure they comply with the FCRA by providing the proper documentation to verify the disputed information. 

Please advise on the necessary steps to resolve this matter as quickly as possible. I appreciate your assistance in ensuring proper compliance from TransUnion.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover sold the debt to a debt collection agency named XXXX XXXX XXXX but still list themselves as the debt owner on my XXXX XXXX XXXX XXXX credit reports. The moment they sold the debt to XXXX XXXX XXXX, the new debt owner XXXX XXXX XXXX XXXX ) should've been reported on my credit reports as the new debt owners but they failed to do so. A payment arrangement was worked out with XXXX XXXX XXXX to pay the debt, and the has been paid in full. Because Discover sold the debt, and still reports themselves to XXXX XXXX XXXX XXXX as the debt owner, this is an inaccurate reporting to my XXXX XXXX XXXX XXXX  credit reports. 

DISCOVER CARD XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: NM

Complaint narrative:
I received notice of a debt that I had paid in full in XXXX. I called and communicated this and they said theyd send me their info and their info is incorrect. I provided my payment history showing that I paid the full amount. This is still sitting unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CO

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a notification that I had a hard inquiry on my credit report from capital one. I do not have any Capital One accounts and have not authorized any hard inquiries to take place with capital one bank. My credit account even has a fraud alert placed on it. Despite this Capital One ran the application for a Kohls card. Luckily I was able to catch this early and notify their fraud department. I am still told that it could take 90 days to fix this issue that NEVER should have been authorized in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-05 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of XXXX  payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to provide an urgent update and request further action regarding my ongoing dispute ( CFPB Case # [ XXXX XXXX XXXX XXXX XXXX ] ) with [ XXXX XXXX XXXX XXXX ]. 

Following my initial complaint, we finally received a response letter from the collection agency. In compliance with the FCRA, we immediately submitted a formal dispute, attaching evidence that proves the debt in question is invalid and should not be reported. 

However, despite our timely and lawful response, the agency has failed to reply to our dispute or take any steps toward resolution. In an effort to follow up, I called the number listed in their letter. I was directed to a debt collector who not only refused to acknowledge our dispute, but explicitly stated that " they do not recognize disputes '' and that the laws I cited were irrelevant. When I informed them that we would be seeking legal counsel due to these ongoing violations, they dismissed the concern and hung up on me. 

This conduct is not only highly unprofessional and unethical, it is in clear violation of the Fair Credit Reporting Act ( FCRA ). Per the law, the furnisher of information is required to : Conduct a reasonable investigation into the dispute within 30 days, Report the results of that investigation to the credit bureaus, and Update or remove inaccurate information as appropriate. 
This agency has failed to do any of the above and has now made it explicitly clear, both in writing and over the phone, that they have no intention of complying with their legal obligations. 

We are now sending a certified dispute letter as a final good-faith effort to resolve this issue before pursuing legal action in civil court. Should this collection agency continue to ignore the law and refuse to investigate our dispute, we will be forced to take legal action to protect our credit and our rights. 

We respectfully request that the CFPB take this escalation seriously and initiate enforcement steps against this agency for : FCRA violations, Failure to investigate a valid consumer dispute, Misrepresentation of consumer rights, and Retaliatory and dismissive conduct when confronted with the law. 
Thank you for your continued attention to this matter. We are happy to provide supporting documentation upon request and will update you once we have a response ( or lack thereof ) to the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
For Experian complaint number XXXX TransUnion complaint number XXXX and Equifax complaint number XXXX XXXX I was asked to provide these items of documentation for identification which will also be sent paper copy to each CRA separately.Note : my valid Colorado drivers license is the old address, provided are bill and bank statement for NEW 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 2025-06-05 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-05 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: MD

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

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 2025-06-05 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple unauthorized credit inquiries, charge-offs, and collection accounts that I had not initiated, authorized, or opened. These fraudulent entries are seriously damaging my credit profile and causing me significant stress and hardship.

I have reached out to all three credit bureaus by phone, where I recorded conversations in which they outright refused to investigate my claims. I requested proof of their investigations and the necessary documentation, but they all declined to provide it. Furthermore, when I asked to be connected to their fraud departments, my request was denied. I even requested fax numbers to facilitate the reinvestigation, but they either refused to provide them or claimed not to have them.

There are unauthorized charge-offs, collections, and inquiries that must be removed immediately while they investigate my claims and provide proof. The lack of assistance is unacceptable. In my first interaction, a representative hung up after merely asking for my name and email address. This is not the level of service I expect, and I demand immediate action on my claims. THERE WERE COUNTLESS DATA BREACHES FROM ALL 3 BUREAUS. I also had a credit freeze that was removed. For a long period of time, Equifax was not updating my credit score and had to send in proof of identity, which I never did ; however, my credit freeze was lifted, and my identity was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple unauthorized credit inquiries, charge-offs, and collection accounts that I had not initiated, authorized, or opened. These fraudulent entries are seriously damaging my credit profile and causing me significant stress and hardship.

I have reached out to all three credit bureaus by phone, where I recorded conversations in which they outright refused to investigate my claims. I requested proof of their investigations and the necessary documentation, but they all declined to provide it. Furthermore, when I asked to be connected to their fraud departments, my request was denied. I even requested fax numbers to facilitate the reinvestigation, but they either refused to provide them or claimed not to have them.

There are unauthorized charge-offs, collections, and inquiries that must be removed immediately while they investigate my claims and provide proof. The lack of assistance is unacceptable. In my first interaction, a representative hung up after merely asking for my name and email address. This is not the level of service I expect, and I demand immediate action on my claims. THERE WERE COUNTLESS DATA BREACHES FROM ALL 3 BUREAUS. I also had a credit freeze that was removed. For a long period of time, Equifax was not updating my credit score and had to send in proof of identity, which I never did ; however, my credit freeze was lifted, and my identity was 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
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
Yes I got a XXXX $ chk last night deposited into my cash app account and it is good and then I tired to send XXXX $ to my daughter but sent to wrong account so I canceled it and tried to resend it to the right one and it auto locked me out then few mins later it said it overrated me XXXX which isnt right at all. Cause before they sent my deposit back I have XXXX in saving and XXXX $ in balance and then Evey Thurs I get my paycheck check deposited in my account well my XXXX isnt showing up at all Ive called and messaged them since last night and havent heard noting back at all they keep giving XXXX story about they got to unlock it first well I knwk it dont take that dam. Long. I got bills to pay now and now they sent my money back instead of emailing me to verify my info plz some one out theee plz help me out my number is XXXX. Tell them to unlock my account plz

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX Please delete and block the following accounts from my credit report Accounts BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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