vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8200.00} XXXX 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, Balance : {$700.00} XXXX 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, Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11000.00} XXXXXXXX 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, Balance : {$670.00} 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, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: UT

Complaint narrative:
Hi. I have a few things that I need to discuss that keeps on happening on my Credit Report. Capital One keeps showing up on my report and I never authorize it. I've called the companies directly & they tell me what to do & then I make sure to call the Credit bureaus to let them know the situation that's happening. I called them 2 days ago and that is when they told me to file a FTC. 
Just recently on XX/XX/XXXX, an account with Capital One was open. That was not me because I make sure to never open any cards. The only credit card I have is affiliated with my bank. Me & Wife make sure to always monitor our credit and finances, and this just keeps happening to me and affects my credit score. 
I went on a deployment XXXX and I came back XX/XX/XXXX. An account from Capital One was open XX/XX/XXXX & that wasn't me because I was on a Army Deployment. I never gave anyone authorization to do that. 
Another thing is XXXXXXXX XXXX is still on my credit report as a hard inquiry & that's hurting my credit as well. I've closed to settled it & its been more than 90 days since I've made a resolution & talked to both XXXX & the credit Bureaus. It was closed XX/XX/XXXX. 
One more thing, Fettifht/web is also something I am also confused about. Before I went to deployment I had lost my wallet. I made sure to call the police because someone was trying to use my Army travel card & they tried to take out money which they did but it got reimbursed to us. We made a police report & it was with the XXXX XXXX Police Department. I have a file as well. I did deal with Fraud and Identity Theft. I feel like ever since my information was taken from me, that person was able to use all my personal Info when trying to open accounts and everything. That person who took it was caught on camera at XXXX in XXXX XXXX & made there way to XXXX & tried to use it at a Hotel.

I hope all this information Helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I disputed the account National Credit System Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Status : Collection account {$4400.00} past due as of XXXX Balance : {$4400.00} Status Updated : XX/XX/year> Last Balance Update : XX/XX/year> C is reporting, and all they sent me back was a lease agreement and a billing statement. Thats not real validation. Under FDCPA 809 ( 15 U.S.C. 1692g ( b ) ), a debt collector must provide full verification, like the signed contract, the full itemized accounting, and proof that they have the legal right to collect. They didnt give any of that just generic documents. A lease is not a signed
agreement with National Collections, and it doesnt prove that they own the debt. In fact, they didnt show any chain of title or ownership rights at all.

These debt buyers often buy large portfolios of accounts in bulk in " pools '' and they dont get full documentation with them. So they dont have real ownership, and theyre not collecting on their own debt. They need to show the chain of command, purchase agreement, and securitization information proving this debt wasnt sold off into a trust or bundle where they have no legal standing.

Under FCRA 611 ( 15 U.S.C. 1681i ), anything that cant be verified must be removed. And under FCRA 623 ( 15 U.S.C. 1681s-2 ), they cant report inaccurate or incomplete information to the credit bureaus but they still are.

Its been more than 90 days, and theyre still reporting it without proper validation. This is causing real damage to my credit, and it violates the FCRA and FDCPA. Theyve failed to prove ownership, failed to show standing, and failed to verify the debt. If they cant show full legal rights and documents, the account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: WI

Complaint narrative:
Upon reviewing my credit report I noticed that there was an account listed that do not belong to me. My information has been compromised and i do not know who this creditor is. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$9500.00}, opened : XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA advertised XXXXXXXX XXXX when you open a new checking account with qualified direct deposit. In XXXX I began that process. I followed all the steps and went to fund my account. The funding failed and I got a notification to fund the account and when I followed it, it took me through the whole account application process again. My assumption was that since the funding failed the account was not successfully opened so I was doing what I was supposed to. I finally was able to get the direct deposit set up to one of the accounts and reached out to verify my eligibility for the promotion and close the unnecessary account. I did not really care which one. The representative told me my account was eligible ( specifically neglecting to say which one ) and then I requested closing the unfunded account at which point I feel it is reasonable considering why I reached out for the representative to tell me that would disqualify me. But they did not. I reached out via chat and phone XXXX TIMES to verify my eligibility was still in good standing. EVERY SINGLE TIME they said I was and I would get it up until the day they were supposed to pay out at which point they said I wasn't. From where I stand, considering they were able to later tell me I was ineligible via the same contact methods, every single rep had the opportunity and tools to look at it and every single XXXX lied to me and wasted my time knowing I was never going to get the promo. I am infuriated because the last representative I spoke to on XXXX XXXX told me that I should have specified I wanted to close the ineligible account and the previous rep only answered my exact inquiries. It was a dishonest manipulation that they refuse to take responsibility for. If closing that account would make me ineligible they should have told me that BEFORE I closed it. They should have told me from the beginning that I was ineligible not make me chat and call half a dozen times. It is despicable to train your employees to intentionally omit information so that you dont have to pay out promos. Its dishonest, misleading, and demolishes trust with people. I was manipulated and preyed on by a company that advertises honesty and caring about their members when in reality they dont.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation
State: ND

Complaint narrative:
On XXXX the XXXX vivint sales rep came to my door and offered a 30 day trial for home security services, including a $ XXXXmonth rate, free cameras, and a {$200.00} gift card. I agreed based on that offer and have video proof of the rep stating these terms. However, the system has crashed multiple times and has rarely worked. 

I later discovered that a 5 yr contract had been submitted and that XXXX had opened a XXXX XXXX XXXX credit loan in my name without fully explaining or disclosing the loan terms. I never agreed to or signed for a long term financing plan. I contacted XXXX  and XXXX multiple times, submitted video proof, and reported this to XXXX, and State Attorney General. XXXX is refusing to cancel the contract or loan despite false promises and deceptive practices. 

I am asking for this loan to be removed from my account immediately and for this unauthorized debt to be erased from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. DEPT OF EDUCATIONXXXX Account Number : XXXX 2. DEPT OF EDUCATIONXXXX Account Number : XXXX 3. DEPT OF EDUCATION/XXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission ). 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief