vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am in good standing with all my accounts. I have been making all payments on time, and XXXX XXXX is now fully paid off. I have disputed inaccuracies with the credit bureaus under 15 U.S.C. 1681 and included goodwill requests for consideration. I expect my credit report to accurately reflect my responsible payment history and current account statuses.

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 2025-10-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NY

Complaint narrative:
XX/XX/XXXX initiated a transfer from the way2go app for my unemployment benefits to be sent to my account. The transfer showed as cleared and I never received the money. I called way2go everyday and got different stories. I wanted to file a dispute then but they told me I had to wait because the money would reverse back to my way2go card. Never received it. Was told by an agent I had to send in more verification so I sent my photo ID front and back and also a screenshot of my bank account with my information. This got me nowhere. XX/XX/XXXX I talk to an agent from the fraud department that tells me to send an email to XXXX and provide information and gives me a claim number telling me I will receive a provisional credit of XXXX while they investigate especially in the case I am not saying I did not initiate the transfer I am saying it did not make it to My bank account. Now fast forward XX/XX/XXXX they call me and tell me that I was supposedly XXXX number off entering my info. Theyre telling me I have to wait XXXX days which is ridiculous. They told me my dispute was closed on XX/XX/XXXX and that I need to talk to my financial institution. Well I had my bank on XXXX with a way2go agent and they were asking for a tracing number and no one could provide me with that. This is a scam for them to hold my money. Call again, get transferred, get the run around. I have proof of all the emails I sent. There are recorded phone calls. This money is URGENT. I also tried to file for temporary assistance and was denied because Im collecting unemployment however I am missing XXXX!!!! They will not resolve the issue or give any info that my bank is asking for. Someone stole my money and is trying to cover it up. I get hung up on by agents. I have wasted days trying to get a solid answer. I have reached out to local government agencies. My next step will be to seek legal action as this has gone on for far too long. Completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I am submitting this response to address Self Financial/Lead Banks reply to my prior complaint ( CFPB XXXX # XXXX / XXXX ). Their own written communication and subsequent email notice dated XX/XX/XXXX clearly contradict XXXX another. 

In their CFPB response, XXXX admits both of my secured credit card accounts were closed and charged off as of XX/XX/XXXX and XX/XX/XXXX, respectively. Yet, their XX/XX/XXXX email demanded a {$260.00} payment and warned of negative credit reporting if I failed to pay. This communication occurred months after charge-offand after they stated the accounts were closed and not active. Attempting to collect or imply that payment will prevent further credit damage on an already charged-off account constitutes deceptive collection behavior and violates 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, Self/Lead Bank XXXX XXXX report inconsistent data to credit bureauslisting XXXX account as closed/charged off while simultaneously updating balances and payment activity. This is a direct violation of FCRA 607 ( b ) ( accuracy of information furnished ), FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate data ), and XXXX XXXX reporting standards which prohibit continued updates on closed or charged-off accounts. Their conflicting records harm my creditworthiness and mislead lenders into believing I have active delinquent debt. 
Their actions show a pattern of negligent reporting, deceptive correspondence, and disregard for federal law. I am requesting immediate regulatory review and corrective enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit file contains multiple accounts that resulted from identity theft, and I never authorized these items to appear on my report through any signed documentation. Despite notifying your agency about this fraudulent activity, these unauthorized accounts remain on my file, causing substantial harm to both my financial standing and emotional well-being. The continued presence of these illegitimate entries has created obstacles in pursuing essential life goals, including securing housing for my family and accessing necessary credit opportunities. I'm formally demanding that these fraudulent accounts be blocked and expunged from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit file contains multiple accounts that resulted from identity theft, and I never authorized these items to appear on my report through any signed documentation. Despite notifying your agency about this fraudulent activity, these unauthorized accounts remain on my file, causing substantial harm to both my financial standing and emotional well-being. The continued presence of these illegitimate entries has created obstacles in pursuing essential life goals, including securing housing for my family and accessing necessary credit opportunities. I'm formally demanding that these fraudulent accounts be blocked and expunged from my credit report immediately.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
TransUnion refer # XXXX On XX/XX/XXXX I reported this as fraud, and submitted a FTC report and a copy of a Police record, and this account was remove and block several times by TransUnion, but somehow TransUnion is allowing collection agency that I have No relationship with and never did business with to keep on posting this accounts, XXXX XXXXXXXX already agree that this account is fraudulent, I am demanding that this fraudulent account from The XXXX XXXX XXXX XX/XX/XXXX XXXX {$3700.00} to be remove and block permanently. Thanks

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 2025-10-31 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: ID

Complaint narrative:
TD Auto Finance received full payoff for my vehicle loan ( VIN XXXX ) on XX/XX/year>. As of XX/XX/XXXX, TD Auto Finance has failed to release the lien or electronically transmit the title to the Idaho XXXX. 

Because the lien remains unreleased, the dealership can not finalize my trade-in or pay me for the vehicle. I have been waiting more than XXXX weeks since payoff for funds that should have been disbursed within days. 

I have contacted TD Auto Finance multiple times and was told it could take XXXX business days to release the title, which is far beyond reasonable or compliant with Idaho law ( Idaho Code 49-504 requires immediate lien release XXXX paid ). 

I am requesting immediate release of the lien and confirmation sent to the Idaho XXXX so the dealership can complete the transaction and disburse my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Called the company they said they cant do anything to this account. Im reporting it because its giving a negative impact to my credit report its been on there for XXXX  years now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the XXXX and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
On or about XX/XX/year>, I reviewed my credit reports from Experian, Equifax, and TransUnion and discovered multiple reporting errors and unverifiable information. 

Several collection and charge-off accounts are being reported inaccurately or duplicated across bureaus, including accounts from XXXX XXXX XXXX ( {$1700.00} ), XXXX XXXX XXXX XXXX ( {$850.00} ), and XXXX XXXX XXXX ( {$430.00} ). None of these furnishers have provided original source documentation to verify ownership or balance accuracy. 

In addition, closed credit card accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are showing inconsistent balances and closure dates, which is inflating my credit utilization above 30 %. These incorrect balances are damaging my credit profile. 

My reports also contain incorrect personal information ( name variations and outdated addresses in GA and TX ) and multiple unauthorized or unverifiable inquiries from lenders such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX. 

I previously requested verification and correction under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). However, the companies have failed to conduct a reasonable reinvestigation or provide documentation to support the information they are reporting.

I am requesting the CFPB to review these violations and ensure that all unverifiable, inaccurate, and inconsistent items are deleted or corrected, and that each bureau provides updated, accurate credit reports once their reinvestigation is complete.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
A collection account from your company has appeared on my credit report without any prior notification or communication from your office. This is the first I'm learning about this alleged debt, and I have significant concerns regarding its validity and accuracy. Under federal law, specifically the Fair Debt Collection Practices Act, I'm entitled to receive complete verification of any debt you're attempting to collect. I'm exercising my legal right to demand full documentation proving the legitimacy of this collection item and its associated details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CapitalOne old bank is showing on my credit report Tried to call them to remove it but they cant do anything about it

Company response to consumer: Closed with explanation