vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I have no link to these accounts and request they be removed within 15 days as required by 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 non-monetary relief
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-15 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not give this company permission to securitize this debt.

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 2025-12-15 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: GA

Complaint narrative:
Charged-Off Accounts XXXX, Account ending XXXX, Reported XX/XX/XXXX, {$880.00} XXXX XXXX, Account ending XXXX, Reported XX/XX/XXXX, {$1400.00} XXXX XXXX, Account ending XXXX, Reported XX/XX/XXXX, {$5700.00} Please verify these accounts directly with the original creditors. If they can not be verified with original signed contracts and full payment history, delete them immediately. 

Inquiries The following inquiries were not authorized by me and should be removed unless verified with documentation : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Late Payments XXXX XXXX, Account ending XXXX Please verify and correct any late payment inaccuracies. 

Requested Resolution : Delete or correct any information that Equifax can not fully verify with complete documentation as required by the FCRA. 

CFPB Statement XXXX  ( XXXX  ) Subject : Dispute of inaccurate accounts, inquiries, and payment history on XXXX  credit file. 

Charged-Off Accounts XXXX, Account ending XXXX, Reported XX/XX/XXXX, {$2000.00} XXXX XXXX, Account ending XXXX, Reported XX/XX/XXXX, {$1400.00} XXXX XXXX, Account ending XXXX, Reported XX/XX/XXXX, {$5700.00} Inquiries The following inquiries were not authorized or resulted from any transaction I initiated : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Late Payments XXXX, Account ending XXXX XXXX  XXXX, Accounts ending XXXX, XXXX, XXXX, XXXX XXXX XXXX, Account ending XXXX Please verify these with the data furnishers and remove or correct any inaccurate or unverifiable entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate, unauthorized, and potentially fraudulent information currently appearing on my Equifax consumer credit report. Due to widespread data breaches involving consumer reporting agencies and financial institutions, my personal identifying information has been compromised. As a result, the following account and inquiries were reported without my knowledge, consent, or authorization. 
Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with these entities, nor did I authorize any credit inquiries on the dates listed. The duplicate inquiry further demonstrates inaccurate and improperly reported data that must be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am filing this complaint against EQUIFAX for its failure to maintain accurate credit reporting and for failing to prevent, detect, or remove unauthorized credit inquiries and an inaccurate account appearing on my consumer credit file. Despite my repeated efforts to dispute these matters, EQUIFAX has continued to publish erroneous and unauthorized information, in direct violation of my consumer rights under the Fair Credit Reporting Act and applicable New Jersey state law. EQUIFAXs continued reporting of inaccurate and unauthorized information after notice demonstrates negligent and willful noncompliance with federal and state consumer protection statutes.

Inaccurate and erroneous account reporting Unauthorized credit inquiries EQUIFAX has also permitted multiple third parties to access my consumer report without my knowledge, consent, or any permissible purpose. I did not grant written, verbal, or electronic authorization for any of the following entities to access my credit file : XXXX XXXX via dealer XX/XX/XXXX unauthorized XXXX XXXX via dealer XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  via dealer XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized These inquiries constitute unlawful access to my consumer report and reflect EQUIFAXs failure to maintain adequate procedures to ensure that consumer reports are furnished only for legally permissible purposes. 

These actions violate : 15 U.S.C. 1681b ( a ) and 1681b ( f ) ( FCRA 604 ) permissible purpose requirements and prohibition on unauthorized access 15 U.S.C. 1681e ( a ) ( FCRA 607 ( a ) ) failure to maintain reasonable procedures to ensure compliance with permissible purpose requirements 15 U.S.C. 1681n and 1681o willful and negligent noncompliance N.J. Stat. 56:11-31 unlawful disclosure or procurement of consumer information Violations alleged As described above, EQUIFAX has violated multiple provisions of the Fair Credit Reporting Act and New Jersey state law, including but not limited to : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to properly reinvestigate disputed information 15 U.S.C. 1681b ( f ) allowing access to consumer reports without a permissible purpose 15 U.S.C. 1681n and 1681o willful and negligent noncompliance N.J. Stat. 56:11-33 and 56:11-35 failure to maintain accuracy and prevent unauthorized disclosure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank allowed my checking and savings accounts to be used by other individuals who are responsible for my identity theft. These individuals used my account to launder money. I have repeatedly tried to handle this with Capital One- including reporting the fraud, filing claims via phone, mail and email. Capital One has taken funds transferred into my account from merchants I used who provided credits back to me to repay what they claim to be an overdraft of my account. To date I have received just over {$6000.00} from Capital One which is only a fraction of the funds withdrawn from my account - those funds total over {$140000.00}. Capital One has obfuscated information that should be provided to me, mailed information to incorrect addresses, emailed me to say they have overturned multiple credits applied to my account and attempted to collect over {$2000.00} from me for overdrafts. The Capital One branch where I opened my account was housed in a building owned by my former landlord - XXXX XXXX ( XXXX XXXX  ) who I have reported to the FBI as an individual responsible for my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding an unauthorized hard inquiry that must be deleted from my consumer report immediately. I did not authorize or initiate this inquiry, and its continued presence is a violation of my rights under the Fair Credit Reporting Act, including 15 USC 1681b, which requires a valid permissible purpose for credit inquiries. This unauthorized inquiry is damaging my credit profile and must be removed without further delay. I have already escalated this matter by filing a complaint with the Federal Trade Commission, yet the unauthorized inquiry remains on my credit report. The failure to remove this inquiry after notice demonstrates a lack of proper investigation and compliance. I am requesting CFPB assistance to ensure this matter is resolved promptly and that my credit report reflects only accurate and authorized information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
i made a charge online around the end of XXXX and started getting concerned about it legitimacy around XXXX. Found some information online from other people saying the company was a scam and filed a dispute with the credit card company through their app and also over the phone. ( They don't speak good XXXX so I made sure to do it on the app also ). They have since denied my dispute and aren't willing to help in any way. I've asked to speak to someone in the XXXX that may speak better XXXX and have been given the run around. Also, they can not provide a phone number for an XXXX  office so i can insure i speak to someone that understands XXXX. Was given the option of faxing a letter to reopen the dispute if i felt like their decision was wrong ( faxing in 2025??? ). Barclays bank has been horrible to do business with and i have also closed this account to avoid future problems with them. But I'm hoping you can help on this particular dispute over {$250.00}. 

Thank you 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-15 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 am writing as a consumer to formally dispute inaccurate and/or unverified information appearing on my Equifax credit report. Despite my efforts to maintain accurate credit reporting, the following items continue to be reported in a manner that I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Inquiries in Dispute XXXX  Inquiry dated XX/XX/year> I do not recall authorizing this inquiry, nor have I been provided with any documentation proving that I gave permissible purpose for this credit check. Under the FCRA, Equifax is required to ensure that all inquiries are properly authorized and fully verifiable. If this inquiry can not be validated, it must be removed immediately. 

Late Payment in Dispute XXXX Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint as a consumer who is actively trying to fix my credit. After carefully reviewing my Experian credit report, I found multiple accounts that are inaccurate, incomplete, misleading, or not properly verified. Despite my previous disputes, these items continue to be reported without proper validation, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-15 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: CO

Complaint narrative:
I am not related to these accounts and request their deletion within 15 days per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief