vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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:
I am filing a formal complaint against XXXX XXXX for reporting a late payment on my XXXX XXXX XXXX XXXX  account that I believe is inaccurate and a result of mishandling during a servicing transfer. 

I originally had the account through XXXXXXXX XXXX  and had auto-pay set up. XXXX XXXX later took over servicing the account but never notified me via mail or email of this transition. I was unaware of any change and made a purchase believing that my existing auto-pay with XXXX  was still active. 

I only became aware of the issue when I saw a late payment reported on my credit report. I immediately sent a certified dispute letter to XXXX XXXX, requesting documentation proving they had mailed me a billing statement or provided any notice of the account transfer. They have failed to respond. 

I also filed multiple disputes with the credit bureaus ( Equifax, TransUnion, and Experian ), and despite explaining the situation in detail and providing documentation, the late payment remains on my reports after months of disputing. 

I believe XXXX XXXX is in violation of the Truth in Lending Act ( TILA ) for failing to notify me of the servicing change and/or send required billing statements. They may also be in violation of the Fair Credit Reporting Act ( FCRA ) for continuing to report inaccurate information without proper investigation or verification. 

This issue has caused significant damage to my credit and financial standing. I respectfully request that the CFPB assist in resolving this matter and that XXXX XXXX be compelled to provide proof of notification, correct the reporting error, and be held accountable for any violations of federal consumer protection laws.

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 2025-06-09 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: IL

Complaint narrative:
I am writing to dispute the validity of all negatively reported accounts on my credit file that may be the result of identity theft or unauthorized use of my personal information, following the widely publicized data breaches involving Equifax, Experian, XXXX, and T-Mobile. 

These breaches compromised highly sensitive consumer data, including Social Security numbers, dates of birth, and account credentials. Due to the exposure of my personal information in one or more of these incidents, I have reason to believe that one or more accounts reflected in negative standing on my credit report may have been fraudulently opened or tampered with without my authorization. 

I am formally asserting my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S. Code 1681i My right to dispute inaccurate or unverifiable information.

15 U.S. Code 1681c-2 My right to block information resulting from identity theft.

15 U.S. Code 1681s-2 The duty of furnishers of information to investigate disputed data.

Attached below are screenshots of pay outs from Equifax on three separate occasions, an ID number stating my personal information was indeed compromised,

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 2025-06-09 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: NY

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : INQUIRIES : XXXX  Date : XX/XX/year> XXXX Date : XX/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 explanation
Consumer complaint received 2025-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello good day I'm writing you to correct a problem in a matter concerning Capital One I have an auto loan with them and two credit cards on XXXX it's correct what I have with them on XXXX it's not one of the credit cards was never listed on my credit report with them so I have two personal credit cards with them one ending and XXXX being reported to all three credit bureaus and then there's another card XXXX that ends in XXXX this credit card is reported to XXXX but not to XXXX  this card has never been reported to XXXX it's not on my credit file and needs to be put on I have a XXXX credit limit in good standing they didn't add it to XXXX  that hurts my score that hurts me from being able to have a place to live I believe they treated me unfairly and with discrimination because my name whatever it is maybe it looks American they don't like my name I feel they discriminated against me they treated me unfairly and acted with malice I don't know if it's an error on the part of their company or just discrimination intentional to my credit report that harms me as it is not fair to withhold that credit card from any credit bureau it has to be listed on there in good faith can you please have them take care of the matter I can send you the copy of my statement and the card that was never added to XXXX credit file they need to add it and they fail to do so and they've been contacted 3 months in a row please add this credit card to all three credit bureaus as that's the law. So a recap a credit card ending in XXXX XXXX XXXX customer XXXX XXXX not listed with XXXX full number XXXX of credit card never was placed on XXXX reporting system left off not given no record of can you help me get Justice cuz that's not fair and that's discrimination or an error it needs to be placed on my credit report and all fairness they can't leave it off that's against the law to give me a credit card and then not report it to the credit card agency I believe it must be a mistake but it needs to be corrected I've already contacted them three months in a row and nothing 's been done XXXX still doesn't have no record of me with this credit card that I've had for 3 years that needs to be reported it hurts the person 's credit that means they're not being treated fairly every credit card they give has to be reported to every credit bureau otherwise that's discrimination against the person or just a mistake that they made from their company all I want is it corrected and it added to XXXX cuz it's supposed to be thank you for your cooperation this matter in your help God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX  XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Bankruptcy - This XXXX  XXXX XXXX  entry is inaccurate and incomplete. You have failed to properly identify the court 's full name, city, and state, as required under the Fair Credit Reporting Act ( FCRA ). Accurate and complete reporting is mandated, and your omission directly violates these standards. Furthermore, this bankruptcy has been officially discharged, yet it remains improperly listed. Your failure to verify and correct this information is a violation of FCRA Sections 1681b ( 2 ) and 1681s-2 ( b ), which outline your obligation to ensure maximum possible accuracy and to investigate disputes thoroughly. I hereby demand that this inaccurate public record be immediately removed from my consumer credit report. Continued reporting of this erroneous information is not only misleading but also a breach of federal law. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX  XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Bankruptcy - This XXXX  XXXX XXXX  entry is inaccurate and incomplete. You have failed to properly identify the court 's full name, city, and state, as required under the Fair Credit Reporting Act ( FCRA ). Accurate and complete reporting is mandated, and your omission directly violates these standards. Furthermore, this bankruptcy has been officially discharged, yet it remains improperly listed. Your failure to verify and correct this information is a violation of FCRA Sections 1681b ( 2 ) and 1681s-2 ( b ), which outline your obligation to ensure maximum possible accuracy and to investigate disputes thoroughly. I hereby demand that this inaccurate public record be immediately removed from my consumer credit report. Continued reporting of this erroneous information is not only misleading but also a breach of federal law. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.

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 2025-06-09 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:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
This inaccurate information is damaging my XXXX XXXX and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX and NRA Group have wrongly claimed that I owe them money, and have been spamming/harassing me over the past four years over various means such as texts, phone calls, and erroneous credit report entries. Below is a timeline of various events. 

On XX/XX/XXXX, I closed my XXXX accounts and cleared all balances. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, I received text messages from three different numbers of NRA Group claiming that I owed {$100.00} to XXXX XXXX XXXX XXXX with debt origination on XX/XX/XXXX. Note above that I have already cleared my balance and closed my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. 

On XX/XX/XXXX, my credit report shows a new debt collection from NRA group and XXXX for an amount of {$100.00}. Yet when I log into my now closed XXXX account, I see balance of {$0.00} and that account was closed. The last bill was paid in full.

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 2025-06-09 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: DC

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-06-09 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX- Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.

Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

XXXX  - This XXXX XXXX XXXX  entry is inaccurate and incomplete. You have failed to properly identify the court 's full name, city, and state, as required under the Fair Credit Reporting Act ( FCRA ). Accurate and complete reporting is mandated, and your omission directly violates these standards.Furthermore, this bankruptcy has been officially discharged, yet it remains improperly listed. Your failure to verify and correct this information is a violation of FCRA Sections 1681b ( 2 ) and 1681s-2 ( b ), which outline your obligation to ensure maximum possible accuracy and to investigate disputes thoroughly.I hereby demand that this inaccurate public record be immediately removed from my consumer credit report. Continued reporting of this erroneous information is not only misleading but also a breach of federal law. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.

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 2025-06-09 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX -- -- UNAUTHORIZED INQUIRY 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 any 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 to any consumer reporting agency of 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 non-monetary relief