vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
I am reporting a fraudulent collection account on my TransUnion credit report from XXXX XXXX XXXX. I did not open or authorize this account. It is the result of identity theft. 

I have submitted three dispute letters directly to TransUnion, along with full supporting documentation, but I continue to receive responses that do not resolve the issue. I have clearly stated that this account is not mine, yet the item remains on my credit report. 

I am a verified victim of identity theft, backed by my FTC Identity Theft Report ( Report # XXXX ) and official confirmation from the Florida Department of Law Enforcement ( FDLE Case # XXXX ). I was also affected by the XXXX XXXX data breach, which exposed my personal information and likely contributed to the fraudulent activity. 

I am requesting that the CFPB take action to ensure TransUnion deletes or blocks this XXXX XXXX XXXX account from my credit file, as required under the Fair Credit Reporting Act ( FCRA ) and based on the legal documentation Ive already provided. 
Account - XXXX XXXX XXXX XXXX - Transunion LLC

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 2025-07-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX : The account details are being reported incorrectly. Kindly remove this inaccurate information to reflect the true status of my credit history. 

Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), I am entitled to a prompt reinvestigation of these disputed items. If the information can not be verified, I request that it be promptly removed from my credit report. I appreciate your compliance with the statutory requirement to complete reinvestigation within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these issues have been addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have disputed XXXX XXXX accounts many times with the company and with the credit bureaus only to get more confusing inaccurate information posted to my credit accounts. These were prepaid accounts made to build credit after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments. This they remedied for me and said that one time was forgiven since it was their fault. It would make no sense for me to damage my credit and damage my good payment history I have been building. I feel stuck and bullied by the fees that are added to accounts that are prepaid and were supposed to all be closed on XX/XX/year> with nothing owed and for any inconvenience just in good standing. Since I have reported they have lied over and over with all sorts of confusing information. I do not know what to do here beside maybe having to talk to a lawyer if I can't get this resolved and report to someone that can look up to see if they are working with these prepaid cards to get profit and keep confusing and targeting people to pay because it ruins their credit. I have more accounts than I ever opened.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have disputed XXXX XXXX accounts many times with the company and with the credit bureaus only to get more confusing inaccurate information posted to my credit accounts. These were prepaid accounts made to build credit after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments. This they remedied for me and said that one time was forgiven since it was their fault. It would make no sense for me to damage my credit and damage my good payment history I have been building. I feel stuck and bullied by the fees that are added to accounts that are prepaid and were supposed to all be closed on XX/XX/year> with nothing owed and for any inconvenience just in good standing. Since I have reported they have lied over and over with all sorts of confusing information. I do not know what to do here beside maybe having to talk to a lawyer if I can't get this resolved and report to someone that can look up to see if they are working with these prepaid cards to get profit and keep confusing and targeting people to pay because it ruins their credit. I have more accounts than I ever opened.

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 2025-07-15 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: AZ

Complaint narrative:
I am writing to dispute a late payment currently reported on my credit file. Based on my personal financial documentation, the payment was made on time and should not have been reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Today XX/XX/year> I had checked my account online to see if Concora credit ( Destiny Card ) had updated my balance and I noticed that they did not, so I reached out to them and the first representative hung up so I called back and the next representative put me on hold to check to see when my payment of {$330.00} would post and when she came back on the line she started reading off purchases from when I first received the card and when asked about when payment would post she cut me off and tells me she was adding back a returned check fee that was taking off for a one time courtesy. Before I knew it this representative said we are keeping your {$330.00} because you spent over a {$1000.00} dollars. I said wait XXXX there must be some kind of mistake, because I have never went over my limit and in my bank statements show that I have been making payments. I then replied if this is the case why did you never update that in your system and why is it that my bank statements show me under that amount except once and it was never over {$80.00}? I feel like I have been legally robbed. That representative then put another representative the phone that was a male he began by apologizing to me for what at this point? I explained that something was definitely wrong because I have always try to maintain and stay under and paid as much as I did that never ever reflected in my balance because I wanted to receive an increase to increase my score. I decided at that point while I was on the phone with the representative to copy all of my statements because what they contained was not what I had just been told nor did I ever recieve anything running my balance up like this ever. I told the rep that I was going to seek legal advice because I felt like I had just been robbed and the guy wanted me to make another payment in XXXX  days so I guess they can take that as well. I cant explain how Im feeling at this point because if they were right, then why as soon as I got off the phone my account was closed and I could no longer view my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The information that is on file is not the information that is connected with me. Ive never been to college and the address is incorrect.

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 2025-07-15 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: DE

Complaint narrative:
Disputed this derogatory on my report twice with Experian and not resolved. I have no agreement or obligation to this debt collection company and no payment obligations. Remove this account immediately from my credit report.

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 2025-07-15 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: AR

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00}

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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute regarding a bankruptcy that is inaccurately reported. The court confirmed they do not report to credit bureaus. I demanded method of verification under FCRA 611 ( a ) ( 7 ). Equifax has not verified or removed the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
About a week ago I was shopping online in XXXX for a new washer and dryer. During the checkout process I realized my XXXX credit card had expired XXXX week before. So I reached out to their customer support chat. They sent me a link to renew my credit card. It turned out to be an application for a new credit card. After confronting the support rep, they said its not a problem and that the Best Buy citi credit card service would merge the XXXX accounts together. After speaking to the credit card department, a merge is not possible. Now, due to negligent company support, I have a second credit card I didnt want, and a negative impact to my credit score.

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 2025-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
Late payments reported to the 3 major credit bureaus XXXX and XX/XX/year>. I have had a hard time trying to navigate the website and hard time understanding the verbiage on the website. I have called the student loan company XXXX, XXXX, XXXX, XXXX, and early XXXX in regards to a payment plan. I have gotten transferred numerous times. The last time I spoke with someone successfully which was on XX/XX/year>. She apologized for any inconveniences. She walked me through the website on how to make a payment. The lady also agreed to reverse the late payments that was reported for XXXX and XX/XX/year> that was reported to all 3 credit bureaus and update the account to paid as agreed. To date, I have not seen those late payments removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I totaled my XXXX XXXX on XX/XX/year>. I filed a claim through my insurance provider, XXXX, who valued my car at {$17000.00}. After subtracting my {$1000.00} deductible, my car was valued at {$16000.00}. XXXX requested {$14000.00} as a result of the totaled vehicle, which XXXX paid. I have attached this letter, stating XXXX ( Hyundai Capital America ) will transfer the rights to XXXX upon receipt of the {$14000.00}. I have also attached the payment of said amount to XXXX, which was actually paid to XXXX XXXX, which salvages totaled vehicles. XXXX then reached out to me after they got their payment, which they confirmed, and told me I owed them an additional {$710.00}. I accidentally left on autopay so I gave them {$280.00} of the original {$1000.00} they requested. They claimed this {$1000.00} was because I " didn't pay my deductible to my insurance company. '' This is obviously not true as I paid my deductible with XXXX, not that this should even concern XXXX. I then thought this was a scam, or something illegal, so I did not pay. After I did not pay then my credit report showed a charge off in XXXX, dropping my score from XXXX to 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 2025-07-15 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: NV

Complaint narrative:
I am writing to dispute a bankruptcy that appears on my credit report. I did not file for bankruptcy, and I strongly suspect this entry is the result of identity theft or a clerical 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 2025-07-15 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: CA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Cappio partners a medical debt collector keeps contacting me. The first instance, the caller was calling me from a their home. Was very unprofessional, and their fire alarm kept beeping. Given the circumstances and the questions being asked ( social security, address, full name and initial ) I did not feel comfortable providing. When told about the supposed debt I had no knowledge of this event ( medical visit supposedly ). I contacted the hospital they said the debt is from directly, ( XXXX XXXX XXXX ) and they said they had no record, and were unsure why this was being sent to a debt collector. I told the caller to please not contact my number again. Since then, they have attempted to contact me multiple times. Even though I am now working with the hospital directly, and have continually reported them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am victim of identity theft. According to the FCRA Section 605B this account must be removed from my credit report within 4 days of reporting. Please remove. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
b'Pursuant to 15 U.S.C. 1681b(a)(2), a consumer report may be furnished with the written instructions of the consumer. I did not provide such written authorization for this use of my credit report. Furthermore, under 15 U.S.C. 1681a(d)(2)(A)(i), information solely reflecting transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report only when not provided by or to a consumer reporting agency. If the reported account consists only of direct transactions with me and is not subject to third-party verification, it may not be legally reportable in certain contexts. I request a review of this reporting for compliance with the FCRA and deletion if it does not meet the statutory criteria.\n\nWrong Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-15 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: NJ

Complaint narrative:
b'Pursuant to 15 U.S.C. 1681b(a)(2), a consumer report may be furnished with the written instructions of the consumer. I did not provide such written authorization for this use of my credit report. Furthermore, under 15 U.S.C. 1681a(d)(2)(A)(i), information solely reflecting transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report only when not provided by or to a consumer reporting agency. If the reported account consists only of direct transactions with me and is not subject to third-party verification, it may not be legally reportable in certain contexts. I request a review of this reporting for compliance with the FCRA and deletion if it does not meet the statutory criteria.\n\nWrong Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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