vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation of Fraudulent Accounts Dear XXXX, I am writing to formally dispute and request an investigation into certain accounts reported under my name that I believe are fraudulent. Due to a recent data breach, my personal information has been compromised, leading to unauthorized accounts being opened in my name. 

I have taken various steps to combat this identity theft, including notifying my bank and placing a fraud alert on my credit reports. I kindly ask that you investigate this matter and remove any fraudulent accounts associated with my name from your records. 

Enclosed with this letter are copies of supporting documents, including [ mention any relevant documents, such as a police report, identity theft report, or proof of identity ]. 

Please confirm receipt of this letter and keep me informed about the investigation 's progress. I appreciate your immediate attention to this urgent matter. 

Thank you for your assistance. 

Sincerely, 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
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE XXXX HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE XXXX HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MN

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been added to account XXXX XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX without my knowledge or consent Ido not recognize this account please remove this from my credit report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and furnishers for their repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following accounts and addresses appearing on my credit reports are inaccurate, incomplete, or unverified, and are causing me significant harm. 

XXXX. Wrong / Fraudulent Addresses Reported : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Wrong Address I have never lived at or been associated with these addresses. Their continued reporting is a violation of FCRA 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ). 

XXXX. Inaccurate / Unverified Accounts : XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Reported as Late Payment * * XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$21000.00} Reported as Late Payment * * XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment * * XXXX XXXX  XXXX * * Date Opened : XX/XX/XXXX Balance : {$810.00} Reported as Charge-off * * XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$180.00} Reported as Collection * * XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$440.00} Reported as Charge-off * * These accounts are inaccurate, unverifiable, and in many cases do not belong to me. For example, XXXX XXXX XXXX  is showing a {$0.00} balance yet continues to report derogatory late payment history, which is factually inconsistent and misleading. Other accounts have been reported without providing proper verification of the alleged debt, in violation of FCRA 1681i ( failure to conduct a reasonable reinvestigation ) and FDCPA 809 ( b ) ( validation of debts ). 

Harm Caused : Because of these false addresses and inaccurate derogatory tradelines, my creditworthiness has been severely damaged, leading to denials of credit, increased costs of borrowing, and emotional distress. 

Requested Relief : I demand the following corrective actions : Immediate removal of the fraudulent/wrong addresses from my credit file. 

Deletion of all inaccurate and unverified accounts listed above. 

Written confirmation of corrective action taken. 

Enforcement action against the furnishers and credit reporting agencies for failure to comply with FCRA and FDCPA obligations. 

If these items are not removed promptly, I reserve my right to pursue legal remedies under federal law for damages, attorney fees, and injunctive relief.

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 2025-09-26 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I responded to a letter dated XX/XX/XXXX regarding a XXXX  incident involving unauthorized acres to my personal information that was stored on a third party application serving XXXX XXXX XXXX XXXX 

The information included both my personal social security number and date of birth. 

I have a freeze and credit monitoring with XXXX  from previous complaints. 

In response to the incident, XXXX is offering credit monitoring services at no charge for 24 months How could XXXX take protection of personal information seriously when I previously have a freeze on my account. 

During my freeze XXXX XXXX  was see if I qualify for an in-store credit card during XXXX XXXX. 

I informed the associate I had a freeze she started it didn't matter The company replied back my credit card request was denied. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am submitting this complaint regarding multiple serious inaccuracies and reporting violations on my credit file. These errors are materially damaging my creditworthiness and directly violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

1. Wrong Address Reporting The following addresses are being wrongly associated with me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are inaccurate, not linked to me, and constitute false information under FCRA 1681e ( b ) ( requirement of maximum possible accuracy ). 
2. Incorrect and Unverified Tradelines The following accounts are reporting late payments and negative activity without proper validation or proof of accuracy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$16000.00} Late Payment XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Late Payment XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment These accounts are inaccurate, incomplete, and unverified. Under FCRA 1681i, the furnishers and credit bureaus are required to conduct a reasonable investigation and provide documented proof. To date, no such proof has been provided.

3. Collection Account XXXX XXXX XXXXXXXX XXXX High Credit : {$720.00} Date Opened : XX/XX/XXXX Collection This account is being reported in violation of the FCRA because no valid debt validation has been supplied under FDCPA 809 ( b ). The reporting of an unvalidated collection is unlawful and materially misleading.

4. Improper Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry I never authorized this inquiry. Reporting an unauthorized inquiry violates FCRA 1681b ( permissible purpose ).

Relief Requested I am demanding the following corrective actions : Immediate deletion of the wrong addresses listed above. 

Deletion of all unverified and inaccurate tradelines ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Removal of the unauthorized inquiry from XXXX XXXX XXXX. 

Confirmation in writing from the CFPB and the involved furnishers/credit bureaus once these corrections are made. 

Failure to correct these violations will leave me no choice but to escalate through legal action for willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

I respectfully request that the CFPB investigate these serious violations and enforce compliance.

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 2025-09-26 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated as paid as agreed.

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 2025-09-26 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated as paid as agreed.

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 2025-09-26 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-26 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: FL

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate 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 explanation
Consumer complaint received 2025-09-26 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MN

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 ( XXXX  ) 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Tuesday XX/XX/XXXX I was provided bank information to make a payment towards my credit card balance. When a payment was made using the account Capital One restricted my account claiming they needed to verify the bank and owner or was coming from. In my attempts to contact the account owner I found out I had just become a victim of a scam. Any form of communication with the account owner was now gone and I didn't know what to do. Capital One basically told me that the account would stay restricted until they could confirm the bank payment. As of today Friday XXXX XXXX that payment has been reversed and a balance has been reapplied to my account. In my attempts to stay as a customer and continue to work on building my credit I reached out to Capitol One to see what options I had to regain access to my account and they basically told me nothing. The account would stay restricted with no timeline of how long and they say I should apply for another credit card which at this point I would not be approved for one. I am concerned that with a restriction on my account and no timeframe of how long before they attempt to close my account and put my score at risk for future financial assistance. I am requesting that the CFPB can investigate why as a customer Capital One is refusing to help me move forward and keep me as a loyal customer. My payment history shows I've paid off my balances and never missed a payment. I find it unethical that a credit card company so concerned about fraud and risk are unwilling to assist their customers who fell victim to it. I have attached a screenshot of the conversation with who provided me the bank information to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Multiple fraudulent charges and company will not do anything to fix it.

Company response to consumer: Closed with explanation