vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
Subject : TransUnion XXXX  to Remove Unauthorized XXXX  Inquiries Complaint : I am submitting this complaint regarding TransUnions refusal to remove XXXX XXXX  inquiries that I did not authorize. The inquiries appear on my TransUnion credit file from XXXX XXXX and XXXX XXXX. I did not apply for credit with either company, nor did I provide any form of consent for these inquiries to be conducted. 

I contacted TransUnion and disputed both inquiries as unauthorized. Despite my clear statement that these inquiries were made without my permission, TransUnion declined to remove them and failed to provide any documentation or evidence showing that I authorized these entities to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to conduct a reasonable investigation, verify the legitimacy of the inquiries, and delete any information that can not be substantiated. TransUnion has not met these obligations.

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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
A XXXX XXXX account was opened in my name without my authorization. I never signed up for XXXX XXXX  and never used the service. I began receiving collection reports from Credit Collection Services and the account is now showing on my XXXX  credit report. I requested validation of the debt, including proof of identity, authorization, and service records. XXXX  and XXXX  did not provide validation and XXXX stated they can not verify the account because it has been transferred. This appears to be identity misuse or an unauthorized account. I am requesting investigation, removal of the account from my credit report, and cessation of all collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am begging for help. I have worked diligently to get all XXXX of my credit scores with Equifax, TransUnion and XXXX  to a good place so that I can purchase a home next year. I received a notification on my Equifax and TransUnion applications on my phone, that my credit scores had dropped XXXX and XXXX points, respectively due to an increase of {$180.00} on the balance owed on a credit card on which I'm an authorized user. Comparatively, my XXXX  credit score only decreased by XXXX points, from a XXXX to a XXXX. A drop of XXXX points or more is excessive for a {$180.00} balance increase. I deserve to have my points back and my credit rating restored. Can someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is a credit card loan from Capitol One on my XXXX  account which is not mine. We already contacted Capitol One investigation department via mail, however, they have not responded. I also contacted XXXX  and a fraud investigation has been started. XXXX  also recommended I submit this claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am disputing the hard inquiries listed below. These companies accessed my Experian file without a valid permissible purpose and without my written authorization, as required by : FCRA 1681b ( a ) ( 2 ) Requires written instructions.

FCRA 1681b ( f ) Prohibits unauthorized access.

FCRA 609 ( a ) ( 1 ) Requires you to provide the record of authorization.

FCRA 1681i ( a ) Requires deletion of any item that can not be verified. 
Experian Inquiries to be Deleted Creditor Date Reason XXXX XXXX XXXX XXXXXX/XX/XXXX No account opened XXXX XXXX XX/XX/XXXX No account opened XXXX XXXX XXXX  No account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account reporting XXXX XXXX XXXXXX/XX/XXXX Date not tied to open account XXXX XXXX XXXXXX/XX/XXXX No account opened XXXX XXXX XX/XX/XXXX No account opened

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-12-09 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 because TransUnion is reporting a collection account ( Acct # XXXX from XXXX XXXX XXXX ) that was officially submitted for deletion by the furnishernot once, but twice. 

XXXX XXXX submitted deletion requests through the e-OSCAR system : XXXX submitted XX/XX/year> XXXX resubmitted XX/XX/year> Both requests used Correction Indicator XXXX : Delete, meaning the furnisher directed TransUnion to completely remove the account.

I also received email confirmations from XXXX XXXX compliance XXXX, XXXX XXXX, verifying that the deletions were submitted. Despite this, TransUnion continues to report the account, which violates : FCRA 607 ( b ) Duty to maintain accurate data FCRA 611 ( a ) Failure to correct after dispute FCRA 623 ( a ) ( 1 ) ( A ) Reporting data that the furnisher already instructed to delete The account has already been removed from XXXX XXXX XXXX  confirming this deletion is legitimate.

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 2025-12-09 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: MI

Complaint narrative:
TransUnion is reporting multiple closed accounts that were either discharged in bankruptcy or previously disputed. These accounts continue to update with new data years after closure, and they are reporting duplicate trade lines, post-bankruptcy updates, and information furnished without permissible purpose. 

The following accounts are reporting inaccurately : XXXX XXXX ( XXXX accounts ) updated XX/XX/XXXX and XX/XX/XXXX XXXX ( XXXX accounts ) duplicate reporting, last updated XX/XX/XXXX XXXX ( XXXX accounts ) last updated XX/XX/XXXX and XX/XX/XXXX These accounts show : 1. Post-bankruptcy reporting, even though discharged accounts must not update after the discharge date under Metro-2 guidelines.

2. Duplicate reporting, which violates FCRA 607 ( b ) ( maximum possible accuracy ).

3. New data furnished on closed, {$0.00} balance accounts, which requires a current permissible purpose under FCRA 604 ( a ). None was provided.

4. No documentation or Method of Verification from TransUnion when I disputed these accounts previously.

5. Furnishing activity after the credit relationship ended, which has no legal basis or permissible purpose.

These accounts should be reporting a final, static status with no updates after discharge.

Instead, TransUnion is allowing furnishers to report new dates, new updates, and duplicate account data, which is inaccurate and harmful.

I did not authorize any furnisher to access or update my credit file after these accounts were closed or discharged. TransUnion has failed to ensure maximum possible accuracy.

This violates : FCRA 604 ( a ) permissible purpose FCRA 607 ( b ) maximum accuracy FCRA 611 ( a ) duty to delete unverifiable/inaccurate data Metro-2 guidelines for reporting discharged accounts

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed several inaccurate and unverifiable accounts on my TransUnion credit report. On XX/XX/year>, TransUnion responded claiming that all disputed items were verified as accurate, yet they provided no documentation, and no explanation of how the information was verified. 
Under FCRA 611 ( a ), TransUnion is required to conduct a reasonable reinvestigation. Instead, they appear to have relied on automated electronic responses rather than obtaining actual documentation from the furnishers.

TransUnion also failed to provide the legally required Method of Verification, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

This is a violation of the Fair Credit Reporting Act.

TransUnion continues to report several accounts that are : Inaccurate, Incomplete, Unverifiable, Lacking supporting documentation These accounts include ( but may not be limited to ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX ( both accounts ) XXXX XXXX These furnishers have not provided documentation proving the accounts belong to me or validating their reporting. 
The inaccurate reporting and TransUnions refusal to properly investigate has caused : Lower credit scores, denial of credit opportunities, higher interest rates, emotional distress and financial harm.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I wired funds from XXXXXXXX XXXX through my small business account, XXXX XXXX XXXX XXXX, to Wells Fargo to what I thought was a company I was doing business with. It turns out this was fraudulent and an impostor posing as the legitimate company. Wells Fargo denied the transfer but has not returned the funds. XXXX XXXX  sent them notice that this was fraud. Days later, I received an email from the fraudulent impostor stating that the funds had been released to them, and I have not heard anything since. My bank, XXXXXXXX XXXX, has all of this information and has tried to contact Wells Fargo without a response.

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 2025-12-09 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: IL

Complaint narrative:
I am a victim of ID Theft and notified all 3 credit reporting agencies as such with supporting documentation as well as ID verification. I have been successful with XXXX as well as XXXX. Equifax however is giving me an issue and is not properly handling my ID Theft dispute per FCRA 605b.I have opened up multiple ID Theft disputes with Equifax regarding XXXX fraudulent account that they are still allowing to stay on my credit file even though they have received several FTC ID XXXX reports from me. The fraudulent account that Equifax is refusing to remove due to ID Theft is XXXX XXXX XXXX XXXX, partial account # XXXX. This account is due to ID Theft and Equifax has been notified of such and they are not following FCRA 605B guidelines. The account doesn't have my personal information, such as my address attached to it. Equifax has received several ID Theft reports as well as a copy of my ID. I don't know what type of investigation Equifax is conducting, but I know for a fact that XXXX XXXX XXXX XXXX isn't being validated through my personal information. Equifax is allowing a fraudulent account to report to my credit even though they were informed that the account was due to ID Theft. I have had no issues with this same account being removed from other credit reporting agencies with the same FTC ID Theft documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
This entry does not match actual account performance.

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 2025-12-09 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the negative reporting on my credit file related to CNAC XXXX. The company has gone bankrupt and is no longer operational, leaving me unable to contact anyone for clarification or resolution. 

Because of the companys closure, I have had no way to obtain accurate information, verify the account, or address any outstanding matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am requesting that the following inquiries and late payments be reviewed and corrected in my credit report as they may not be accurately reported. 

INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> LATE PAYMENT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: SC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX and the reporting agency XXXX XXXX XXXX XXXX, which is reporting information on behalf of XXXX. I did not give either entity permission to disclose, release, report, or share my personal or medical information. This activity represents an unauthorized disclosure of protected health information ( PHI ) and violates federal law, South Carolina law, and FTC consumer protection standards.

Federal Law Violations HIPAA XXXX XXXX XXXX is a covered entity under HIPAA. Any sharing or reporting of my medical information to XXXX XXXXXXXX XXXX XXXX without my authorization constitutes a violation of : 45 CFR 164.502 ( a ) Prohibition on disclosure of PHI without patient authorization 45 CFR 164.508 Requirement for valid, signed authorization before disclosing PHI I did not authorize XXXX to disclose my PHI to XXXX XXXX XXXX XXXX or any third party. 

South Carolina Law Violations XXXX and XXXX XXXX XXXX XXXX violated South Carolina medical privacy laws, including : SC Code 44-115-30 Medical records can not be released without the patients proper authorization SC Code 44-7-325 Healthcare providers must maintain the confidentiality of patient information No written consent was provided for any disclosure or reporting.

FTC Law Violations Unfair or Deceptive Practices The unauthorized release and reporting of my personal medical information is an unfair act under : Federal Trade Commission Act ( 15 U.S.C. 45 ) This conduct causes substantial injury to the consumer that can not reasonably be avoided. XXXX and XXXX XXXXXXXX XXXX XXXX failed to safeguard my information and acted outside the scope of lawful authority.

Cease and Desist Demand Effective immediately, both XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX are hereby ordered to CEASE AND DESIST from : Reporting, disclosing, sharing, or communicating any of my medical or personal information Accessing, using, storing, or transmitting my PHI without valid written authorization Allowing any third party to view, possess, or use my information for any purpose Any further unauthorized activity will be considered willful noncompliance and will be pursued through additional regulatory and legal channels.

Company response to consumer: Closed with explanation