vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-29 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: ME

Complaint narrative:
I was at XXXX XXXX on XX/XX/XXXX and was directed to apply for a card for promotional merchandise and an espress pass. I was told at the start of business the following day I could collect the items. It was not clear to me it was anything more than a rewards program. The sales people on XX/XX/XXXX told me I needed to apply at their XXXX and an online application was invalid despite being told otherwise the previous day.

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 2025-08-29 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: PA

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report. I never approved their opening and had no prior knowledge of them. As outlined under USC 1681g, I am requesting their removal within 15 days. Supporting documentation is attached.

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 2025-08-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately furnishing information on my auto loan across all three credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Violations Identified : The account is reported as open/active on Experian and TransUnion, even though it was closed and charged-off years ago.

On Equifax, the same account is reported as closed, creating direct conflicts and inconsistencies across the bureaus. 
XXXX XXXX continues to report new late payments and derogatory activity into XXXX, even though the account was closed years earlier. This is clear evidence of re-aging, which is prohibited under the FCRA. 
Reporting open/active status while also showing charge-off and delinquency codes violates Metro 2 Account Status fields. An account can not simultaneously be open and charged-off.

Despite multiple disputes, the account has been verified without correction, violating Toyota Financials duty to reasonably investigate under FCRA 623 ( b ).

Relevant e-OSCAR Dispute Codes : 103 Account status incorrect 112 Payment history profile incorrect 170 Account paid/closed, status disputed 188 Inaccurate reporting after charge-off/closure 205 Improper reporting/re-aging of delinquency 525 Improper balance/status coding Harm Caused : The false reporting has lowered my credit scores, prevented accurate evaluation of my credit history, and created confusion due to conflicting status across bureaus. 

Requested Resolution : I am requesting the permanent deletion of this XXXX XXXX account from all three credit bureaus due to repeated FCRA and Metro 2 violations, re-aging, and failure to properly investigate. If not deleted, the account must be corrected immediately to reflect closed/paid/settled with no ongoing late notations and uniform reporting across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
COLLECTIONS/CHARGE OFFS/Accounts : XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 explanation
Consumer complaint received 2025-08-29 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: OR

Complaint narrative:
I disputed an account from XXXX XXXX XXXX for {$7200.00}, listed as a collection account opened in XX/XX/XXXX. I submitted my initial dispute and supporting documentation to the credit bureaus, including a court dismissal and other records confirming the debt is either inaccurate or unenforceable. I then sent a formal Method of Verification ( MOV ) request by certified mail to Equifax, Experian, and TransUnion on XX/XX/XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Equifax received my MOV request on XX/XX/XXXX and failed to respond by the required deadline of XX/XX/XXXX. 
Experian received it on XX/XX/XXXX and failed to respond by XX/XX/XXXX. 
TransUnion refused delivery of the certified mail entirely twice effectively blocking my lawful request. This obstructive behavior is not permitted under the FCRA and does not shield them from responsibility. 

In the meantime, XXXX updated the tradeline on XX/XX/XXXX to reflect an Unpaid status, despite the fact that my dispute was actively under investigation between XX/XX/XXXX and XX/XX/XXXX. This constitutes unlawful continued furnishing of disputed data and reflects joint violations by both XXXX and the credit bureaus. The account was still reporting as of XX/XX/XXXX, flagged Consumer Disputes Reinvestigation in Progress, yet still listed as unpaid proving the update occurred during the dispute window. 

The credit bureaus failure to prevent reporting during the reinvestigation, their refusal to comply with the MOV request, and TransUnions deliberate rejection of certified mail all demonstrate a pattern of disregard for FCRA procedures. These actions have directly harmed my creditworthiness and delayed my ability to qualify for housing and essential credit services. 

I am requesting that the account be immediately deleted from all three credit bureaus due to lack of verification, improper reporting during a dispute, and failure to comply with multiple FCRA provisions.

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 2025-08-29 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: OR

Complaint narrative:
I disputed an account from XXXX XXXX XXXX for {$7200.00}, listed as a collection account opened in XX/XX/XXXX. I submitted my initial dispute and supporting documentation to the credit bureaus, including a court dismissal and other records confirming the debt is either inaccurate or unenforceable. I then sent a formal Method of Verification ( MOV ) request by certified mail to Equifax, Experian, and TransUnion on XX/XX/XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Equifax received my MOV request on XX/XX/XXXX and failed to respond by the required deadline of XX/XX/XXXX. 
Experian received it on XX/XX/XXXX and failed to respond by XX/XX/XXXX. 
TransUnion refused delivery of the certified mail entirely twice effectively blocking my lawful request. This obstructive behavior is not permitted under the FCRA and does not shield them from responsibility. 

In the meantime, XXXX updated the tradeline on XX/XX/XXXX to reflect an Unpaid status, despite the fact that my dispute was actively under investigation between XX/XX/XXXX and XX/XX/XXXX. This constitutes unlawful continued furnishing of disputed data and reflects joint violations by both XXXX and the credit bureaus. The account was still reporting as of XX/XX/XXXX, flagged Consumer Disputes Reinvestigation in Progress, yet still listed as unpaid proving the update occurred during the dispute window. 

The credit bureaus failure to prevent reporting during the reinvestigation, their refusal to comply with the MOV request, and TransUnions deliberate rejection of certified mail all demonstrate a pattern of disregard for FCRA procedures. These actions have directly harmed my creditworthiness and delayed my ability to qualify for housing and essential credit services. 

I am requesting that the account be immediately deleted from all three credit bureaus due to lack of verification, improper reporting during a dispute, and failure to comply with multiple FCRA provisions.

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 2025-08-29 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: NY

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). This account in question is : XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these account. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NM

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$55000.00} XXXX - DPT EDXXXX - XX/XX/XXXX - {$2200.00} XXXX - DPT EDXXXX - XX/XX/XXXX - {$4000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
The following Google accounts are in a suspension loop even after submitting proof of id including passport photo and mail.

XXXX  I have owned both of these google accounts for years. I have never had this issue until recently. If my google accounts get suspended, or if i'm affected by this in any way, I will also be seeking legal recourse. 

I recommend you give me a call.So we can resolve this since i've already provided the information that you've requested.But you still keep threatening to suspend my payment accounts. 

XXXX, google payment id XXXX Also, google email XXXX is affected as well. I am not sure if this is due to my Gmail having multiple account logged into one device.

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 2025-08-29 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: OR

Complaint narrative:
I disputed an account from XXXX XXXX XXXX for {$7200.00}, listed as a collection account opened in XX/XX/XXXX. I submitted my initial dispute and supporting documentation to the credit bureaus, including a court dismissal and other records confirming the debt is either inaccurate or unenforceable. I then sent a formal Method of Verification ( MOV ) request by certified mail to Equifax, Experian, and TransUnion on XX/XX/XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Equifax received my MOV request on XX/XX/XXXX and failed to respond by the required deadline of XX/XX/XXXX. 
Experian received it on XX/XX/XXXX and failed to respond by XX/XX/XXXX. 
TransUnion refused delivery of the certified mail entirely twice effectively blocking my lawful request. This obstructive behavior is not permitted under the FCRA and does not shield them from responsibility. 

In the meantime, XXXX updated the tradeline on XX/XX/XXXX to reflect an Unpaid status, despite the fact that my dispute was actively under investigation between XX/XX/XXXX and XX/XX/XXXX. This constitutes unlawful continued furnishing of disputed data and reflects joint violations by both XXXX and the credit bureaus. The account was still reporting as of XX/XX/XXXX, flagged Consumer Disputes Reinvestigation in Progress, yet still listed as unpaid proving the update occurred during the dispute window. 

The credit bureaus failure to prevent reporting during the reinvestigation, their refusal to comply with the MOV request, and TransUnions deliberate rejection of certified mail all demonstrate a pattern of disregard for FCRA procedures. These actions have directly harmed my creditworthiness and delayed my ability to qualify for housing and essential credit services. 

I am requesting that the account be immediately deleted from all three credit bureaus due to lack of verification, improper reporting during a dispute, and failure to comply with multiple FCRA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXXXX XXXX XXXX  BALANCE {$10000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX XXXX BALANCE {$1400.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXXXXXX XXXX XXXXXXXX BALANCE {$730.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$2200.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$380.00} DATE OPENED 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