vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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 filing this complaint against XXXX XXXX, Experian, TransUnion, and Equifax for mishandling a disputed account and failure to respond within 45 days : XXXX XXXX  has reported a debt under my name that actually belongs to a different person, based off the original validation XXXX provided XX/XX/2025, which included mismatched personal identifiers. I immediately sent original supporting docs that were provided to me from XXXX showing the debt is not mine, My DL and SSN verifying my identity, Bill and lease showing how long I have been at my address. I then received a second set of documents which I received XX/XX/2025, with altered information, conflicting with their first response which now makes the validity of all documentation unverifiable and inaccurate. 

Experian verified the account XX/XX/XXXX, 2025- despite having clear evidence of mismatched information and conflicting debt validations from XXXX XXXX This contradicts the information provided directly to me and raises concerns about the validity of the verification process. 

TransUnion marked the account as 'Closed ' but did not remove it entirely, even though I provided proof it was not my debt. This still causes harm to my credit and is inaccurate reporting under the Fair Credit Reporting Act. 

Equifax has yet to respond to my dispute but continues to report the account. Which has been 46 days since I notified them via certified mail of the discrepancy and the need for immediate removal. 

These actions clearly violate the ( FCRA ) Fair Credit Reporting Act, as the bureaus : Did not conduct reasonable and thorough investigations. 
Failed to remove inaccurate and unverifiable information. 
( Equifax ) Failure to investigate, respond and resolve within 45 days. 
Also, Experian, Transunion and Equifax- still to this day, have yet to send me written results of their investigation which they are legally required to do within 45days. Again, today now marks day 46 since documents were sent via certified mail.

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 2025-08-17 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX, Experian, TransUnion, and Equifax for mishandling a disputed account and failure to respond within 45 days : XXXX XXXX  has reported a debt under my name that actually belongs to a different person, based off the original validation XXXX provided XX/XX/2025, which included mismatched personal identifiers. I immediately sent original supporting docs that were provided to me from XXXX showing the debt is not mine, My DL and SSN verifying my identity, Bill and lease showing how long I have been at my address. I then received a second set of documents which I received XX/XX/2025, with altered information, conflicting with their first response which now makes the validity of all documentation unverifiable and inaccurate. 

Experian verified the account XX/XX/XXXX, 2025- despite having clear evidence of mismatched information and conflicting debt validations from XXXX XXXX This contradicts the information provided directly to me and raises concerns about the validity of the verification process. 

TransUnion marked the account as 'Closed ' but did not remove it entirely, even though I provided proof it was not my debt. This still causes harm to my credit and is inaccurate reporting under the Fair Credit Reporting Act. 

Equifax has yet to respond to my dispute but continues to report the account. Which has been 46 days since I notified them via certified mail of the discrepancy and the need for immediate removal. 

These actions clearly violate the ( FCRA ) Fair Credit Reporting Act, as the bureaus : Did not conduct reasonable and thorough investigations. 
Failed to remove inaccurate and unverifiable information. 
( Equifax ) Failure to investigate, respond and resolve within 45 days. 
Also, Experian, Transunion and Equifax- still to this day, have yet to send me written results of their investigation which they are legally required to do within 45days. Again, today now marks day 46 since documents were sent via certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Address is incorrect and asked for it to be corrected but it hasnt changed

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 2025-08-17 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:
My Social Security number was compromised in a data breach. I filed an identity theft report with XXXX and notified the credit bureaus ( Experian, XXXX, and XXXX  ). 

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information that remain despite my disputes. These remarks have been detrimental to my life and credit health.

The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires consumer reporting agencies to investigate and correct fraudulent information once notified. The bureaus failure to act violates my rights under this law.

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 2025-08-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/year> stated that The affidavit states that XXXX XXXX was monitored online using the e-mail address, social security number, driver 's license XXXX, driver 's license sate FL, XXXX address, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are in order to solicit funds from a restitution which is owned and operated by the Speedy Cash, who owns and operates more than XXXX online cash websites, web portals and many of the sub lenders are working for them ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Cash and GoXXXX XXXX XXXX  Speedy Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The funds were successfully transferred into your bank account utilizing an interstate XXXX which stands for electronic funds transfer. 

I did not make this any charges or received any services with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I tried calling these credit furnishers XXXX XXXX XXXX XXXX They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the XXXX files for these charged off accounts for tax purposes with the XXXX. I should have received copies since it has been written off by their companies with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio RC acct XXXX was closed in court XX/XX/year> order of dismissal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
YOUR COMPLAINT Complaint Description : I am writing to file a complaint regarding my experience as a victim of identity theft between XXXX XXXX XXXX  and the subsequent difficulties I have faced in resolving related issues with my checking account and credit card payment. Background : I became a victim of identity theft, which led to fraudulent activity in my checking account. As a result, my checking account was closed, and I was forced to open a new one. Despite my efforts to resolve the situation with the bank and notify the necessary parties, the impact on my credit continued to worsen. XXXX XXXX XXXX XXXX : After my account was closed, I had a new account set up. However, my credit card company was unable to process a payment because of the changes to my account information, and I ended up with a payment that was more than XXXX  days late. I immediately explained this situation to the company, along with the fact that the late payment was directly caused by the identity theft and the account transition. Despite my explanation and supporting documentation ( such as police reports, proof of identity theft, and account statements ), the credit card company refused to remove the late payment from my credit report. XXXX with Credit Bureaus : I also reached out to the credit bureaus to explain the situation, providing all relevant documentation that demonstrated the late payment was due to circumstances beyond my control. Unfortunately, the credit bureaus have declined to remove the late payment from my credit report, despite my efforts to have them understand that this issue arose due to identity theft and the resulting complications. Attached Documents : Please see attached documents for a full description of the situation, including : A letter I submitted to the credit bureaus, Proof of identity theft, and A statement from XXXX XXXX  regarding my credit card accounts. XXXX XXXX XXXX XXXX  ACCOUNT : XXXX XXXX  XXXX  ACCOUNT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: FL

Complaint narrative:
This debt collector has continuously contacted me via text message on my cellular device without my consent. This violated my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  deleted the XXXX XXXX XXXX account from my credit report on XX/XX/year>2025. However, the same account is still showing on Equifax and TransUnion. I have disputed the account with both bureaus, requesting verification and removal if unverifiable. I am asking that Equifax and TransUnion fully verify the account details ; if they can not, it should be deleted from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
Experian sold my information to third party companies, furnished late payments which are personal, inquiries I dont have accounts with, etc.

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 2025-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me and need to be removed, Thanks. 
XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
This debt collector has continuously contacted me via text message without my consent, which violated my rights under FDCPA.

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 2025-08-17 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: FL

Complaint narrative:
AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) I AM A VICTIM OF IDENTITY THEFT. PLEASE DELETE THE FOLLOWING ACCOUNT. XXXX XXXX ACCOUNT NUMBER : XXXX PURSUANT TO SECTION 605B 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 2025-08-17 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: TX

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a reinvestigation request to [ Experian / Equifax / TransUnion ] disputing several inaccurate items being reported on my credit report concerning a XXXX  XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

As of XX/XX/scrub> 2025 more than 30 days later I have not received a response or investigation results, in violation of FCRA 611 ( a ) ( 1 ) ( A ). The credit bureau failed to conduct or complete the reinvestigation within the legally required 30-day window. 

I am requesting that the disputed XXXX XXXX account be deleted from my credit report and that I receive written confirmation of this deletion and the procedure used. 

No proof of mailing is available because the letter was sent via standard XXXX mail. However, it included my ID, proof of address, and SSN, and was mailed in good faith.

Please see the attached document summarizing this issue.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a reinvestigation request to [ Experian / Equifax / TransUnion ] disputing several inaccurate items being reported on my credit report concerning a XXXX  XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

As of XX/XX/scrub> 2025 more than 30 days later I have not received a response or investigation results, in violation of FCRA 611 ( a ) ( 1 ) ( A ). The credit bureau failed to conduct or complete the reinvestigation within the legally required 30-day window. 

I am requesting that the disputed XXXX XXXX account be deleted from my credit report and that I receive written confirmation of this deletion and the procedure used. 

No proof of mailing is available because the letter was sent via standard XXXX mail. However, it included my ID, proof of address, and SSN, and was mailed in good faith.

Please see the attached document summarizing this issue.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> at XXXX eastern time at terminal XXXX at the XXXX at XXXX XXXX  XXXX XXXX XXXX georgia XXXX, I deposited XXXXXXXX XXXX into the atm, atm took the cash, didn't deposit it into my account, didn't dispense the cash back out, just got a receipt that says " unable to deposit cash to your checking account '' called navy federal and they said it would take XXXX to dispute the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation