vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit report reflects a loan account that I did not open or authorize. This appears to be the result of fraudulent activity involving my personal information

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 2025-10-24 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: AL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

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 2025-10-24 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-10-24 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-24 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: AL

Complaint narrative:
I am filing this complaint because my DeptEd/XXXX  account ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is being reported inaccurately and inconsistently across the XXXX major credit bureaus TransUnion, Experian, and Equifax in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Acts billing error provisions ( 15 U.S.C. 1666 and 1666a ). 

TransUnion reports a Date of Last Activity of XX/XX/year> with XXXX and XXXX late notations. Experian reports a Date of Last Activity of XX/XX/year> with XXXX, XXXX, and XXXX late notations. Equifax, however, reports Dates of Last Activity ranging from XX/XX/year> to XX/XX/year>, showing no late payments at all. These conflicting entries can not all be accurate and demonstrate clear reporting and verification failures among the credit bureaus and the furnisher, DeptEd/Nelnet. 

Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information, and the credit reporting agencies are required to conduct a full and reasonable reinvestigation. Under FCRA 609 ( 15 U.S.C. 1681g ), I also have the right to receive full disclosure of all records, documentation, and data sources used to verify this information. DeptEd/XXXX, as the furnisher, has legal obligations under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) to ensure that the information they report is accurate and updated, and under 623 ( b ) to properly investigate and correct or delete any information that can not be verified.

Additionally, under 15 U.S.C. 1666 and 1666a, creditors must correct billing errors and are prohibited from continuing adverse reporting or taking adverse actions while a dispute is pending. Despite these laws, inconsistent and unverifiable late payment information continues to appear on my credit reports.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted all three of these Credit bills and requested that they move these fraudulent accounts from my credit report one of them and name and is XXXX XXXX XXXX  is a closed account is a charge but its still fraudulent also XXXX XXXX XXXX its also a charge off which is a fraudulent account that I asked them to remove and I also sent them the correct documents to prove that these are fraudulent accounts XXXX XXXX credit card also a charge off a fraudulent account XXXX XXXX XXXX also a fraudulent account and XXXX XXXX XXXX XXXX also a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted all three of these Credit bills and requested that they move these fraudulent accounts from my credit report one of them and name and is XXXX XXXX XXXX  is a closed account is a charge but its still fraudulent also XXXX XXXX XXXX its also a charge off which is a fraudulent account that I asked them to remove and I also sent them the correct documents to prove that these are fraudulent accounts XXXX XXXX credit card also a charge off a fraudulent account XXXX XXXX XXXX also a fraudulent account and XXXX XXXX XXXX XXXX also a fraudulent account

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Summary of the Transaction : A user attempted to purchase a XXXX XXXX ( XXXX ) advertised on XXXX XXXX for {$200.00} from a seller named " XXXX '' ( XXXX user " XXXX '' ). The payment was sent twicefirst via XXXX and immediately refunded, then a second time via XXXX XXXX XXXX to a different phone numberbut the seller never shipped the item. 
Chronology of Events : XX/XX/year> ( Time not specified ) : The buyer sent {$200.00} to " XXXX XXXX '' via XXXX ( likely including a fee, or the seller tried to use a business transaction ). 
XX/XX/year> ( Time not specified ) : The entire amount, {$200.00}, was immediately Refunded by the sellerXXXX. A separate + {$6.00} fee reversal was also processed. 
XX/XX/year> ( XXXX XXXX  ) : The seller ( " XXXX '' ) messaged the buyer saying, " Hey question it won't let me accept the money could I send it back and u send it to my brother account? '' and asked if the buyer has XXXX XXXX. 
XX/XX/year> ( XXXX XXXX  ) : The buyer confirmed they have XXXX XXXX and provided a phone number. 
XX/XX/year> ( XXXX XXXX  ) : The buyer sent {$200.00} via XXXX XXXX XXXX XXXX XXXX to phone number XXXX ( XXXX ) XXXX. ( This confirms the XXXX XXXXXXXX transaction was the redirected payment for the XXXX ). 
Following Days ( After XX/XX/XXXX ) : The buyer attempted repeatedly to get tracking information : Monday ( Date not specified ) : Buyer asks, " Lmk when it's out for delivery tomorrow. '' Tuesday ( XXXX XXXX  ) : Buyer asks, " Where is it so far. '' Tuesday ( XXXX XXXX  ) : Buyer asks, " Whats the tracking number. '' Sunday ( XXXX XXXX ) ( Date not specified ) : The seller ( " XXXX '' ) responds, " I'm so sorry my phone broke But it should be there Tuesday it say, '' claiming the delay was due to a broken phone. 
Sunday ( XXXX XXXX  ) : Buyer asks, " Is it usps. '' Sunday ( XXXX XXXX ) : Buyer asks, " Show me. '' The seller replies, " Yes sir I use XXXX  or XXXX. '' Thursday ( XXXX XXXX  ) ( Date not specified, via XXXX ) : The buyer is still asking a different contact ( labeled " P, XXXX '' ) about the transaction and asks for the tracking number the following day. 

The buyer sent a total of {$200.00} via XXXX XXXX to the seller 's redirected contact after the initial XXXX payment failed/was refunded. The seller received the \ {$200.00} but became evasive, provided excuses ( broken phone ), and failed to provide any valid tracking number or proof of shipment over multiple days, strongly suggesting the XXXX was never shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-10-24 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-24 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
This complaint concerns the unlawful and inaccurate reporting of an account by XXXX XXXX, which is being furnished and published by the credit reporting agencies listed above. The account ( partially identified as # XXXXXXXX XXXX XXXX XXXX XXXX ) is being reported as charged off / collection / derogatory with a balance of {$1500.00}. 

The reporting is false, misleading, and illegal, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of Violations The debt is time-barred under XXXX XXXX law . 

Under XXXX Stat. Ann. 2A:14-1, the statute of limitations for open-ended accounts ( credit cards ) is XXXX years. 

The XXXX account shows no verified payments since XX/XX/XXXX. 

Therefore, any attempt to collect or continue reporting this debt as active or collectible is unlawful and misleading under 15 U.S.C. 1692e ( 2 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ). 

This debt is legally uncollectible and unenforceable, yet it continues to appear as a charge-off with an outstanding balance. 

Inconsistent and inaccurate reporting among CRAs. 

Experian and Equifax report conflicting dates and remarks : Experian : Last activity XX/XX/XXXX, Date reported XX/XX/XXXX. 

Equifax : Last activity XX/XX/XXXX, Date reported XX/XX/XXXX. 

These inconsistencies clearly violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires CRAs to ensure maximum possible accuracy. 

Failure to properly verify upon dispute. 

I submitted disputes to both Experian and Equifax demanding validation of this debt under 15 U.S.C. 1681i. 

Despite the absence of any original signed contract, statements, or payment validation, the CRAs reinserted or failed to remove the account. 

This constitutes willful and negligent noncompliance under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ). 

Emotional and financial harm. 

This erroneous derogatory entry has significantly impacted my creditworthiness, leading to multiple credit denials, higher insurance rates, and emotional distress. 

The CRAs failure to ensure accuracy has directly harmed my ability to obtain fair credit.

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 2025-10-24 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: FL

Complaint narrative:
I need to make clear this is not a mistake. My credit report contains inaccuracies that are harming my credit and causing ongoing financial and emotional damage.

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 2025-10-24 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: William D. Meeker Enterprises, Inc.
State: TN

Complaint narrative:
I am filing a complaint regarding multiple hard inquiries that were added to my credit reports with XXXX, XXXX, and XXXX  without my explicit authorization or as duplicate pulls for the same credit request. 

I contacted the credit bureaus and each creditor directly but was told that they can not remove the inquiries. However, under the Fair Credit Reporting Act ( FCRA 604 ), credit reporting agencies and furnishers are responsible for ensuring inquiries are made with proper written authorization. 

The following inquiries were not authorized or were excessive duplicate pulls for XXXX transaction : XXXX XX/XX/XXXX and XX/XX/XXXX ( XXXX  & XXXX  ) XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX through XX/XX/XXXX ( All XXXX Bureaus ) XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ( All XXXX Bureaus ) XXXX / XXXX XXXXXX/XX/XXXX ( All XXXX Bureaus ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX & XXXX ) I am requesting that the CFPB review these inquiries and require the furnishers and credit reporting agencies to provide proof of written authorization for each inquiry or remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
This collector called on XX/XX/year> and proceeded to give information about my account to my son who has the same name as me. Per the law this is against the law and this needs to be removed from my report including tradelines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since you guys concluded the credit card open under my name was fraudulent then the checking account that was open on the same date is as well, it seems JP morgan Chase is targeting or XXXX profiling some customers

Company response to consumer: Closed with explanation