vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I'm filing this complaint because TransUnion has reinserted an account that was already deleted after a formal dispute, and they did so without following the law. No notice was sent to me. No documentation was provided. No explanation was given. This is not just a mistake, its a complete disregard for my rights and federal law. The account that was improperly reinserted is * * XXXX XXXX, Account Number XXXXXXXX XXXX XXXX. Under 15 U.S.C. 1681i ( 5 ) ( B ), a deleted account can only be reinserted if the furnisher certifies the information is accurate and complete, and if TransUnion provides written notice within five business days. That never happened. They failed to provide the required certification and didnt notify me about the reinsertion. They also ignored the legal obligation under 1681i ( 5 ) ( B ) ( iii ) to include the furnishers name, contact information, and my right to add a consumer statement. Nothing was sent. Nothing was explained. Just silence. On top of that, TransUnion is violating 15 U.S.C. 1681e ( b ), which requires them to ensure the maximum possible accuracy of everything they report. Putting an account back into my file after a dispute, without verifying it properly, is the opposite of accuracy. Its careless, unprofessional, and completely unacceptable. Even worse, theres no valid permissible purpose for this account to be on my file at all, which violates 15 U.S.C. 1681b. I never gave permission for this to be accessed or reported. At this point, it feels like TransUnion is just ignoring the law entirely. Their failure to follow basic federal requirements makes this a case of willful and negligent noncompliance, which falls under 15 U.S.C. 1681n and 1681o. Im tired of having to chase down problems that should have been resolved already. This account needs to be permanently deleted now.

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 2025-07-29 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-29 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-29 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reflected on my credit report. It is crucial that my credit report contains the most accurate and up-to-date information to avoid any misleading conclusions about my creditworthiness. 

Please review the details below and investigate the discrepancies. I respectfully request that the necessary corrections be made promptly in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
I checked my credit report and saw a new account. It says It was opened a month ago. On XX/XX/year>2025. I didnt open an account with anyone on XX/XX/year>2025. I called the company that says I owe the money to and they said they are a collections agency trying to collect a debt that I took 6 and a half years ago with a different creditor. They never send me any written notice about this. I never received any calls from them. Regardless I requested that they send me the information about this account to my email or by mail and they refuse to do that too telling me to check my spam because as they claim they sent me an email. I have no information about this but they refuse to take it off my credit. I have the right to know what exactly they are asking me to pay. Its reported as a new account in my credit and its causing me financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my credit report, XXXX XXXX XXXX is reporting a vehicle loan account that I did not open or authorize. I submitted a request for verification under the Fair Credit Reporting Act ( FCRA ) asking for proof of the account and its origin. Despite this, no documentation or contract with my signature has been provided. 

The account is negatively affecting my credit and was not opened by me. I believe this is a case of identity theft and have submitted a dispute and identity theft report to the credit bureaus under FCRA Section 605B.

I am requesting that this account be investigated and permanently removed from my credit profile as it is inaccurate and unverifiable.

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 2025-07-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Comenity Capital Bank and XXXX  for Unauthorized Hard Inquiry and FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized hard inquiry on my XXXX  credit report and the mishandling of a dispute by XXXX. 

Yesterday, I noticed a hard inquiry on my XXXX  credit file listed as ComenityCapital/SaksXXXX. Inquiry date : XX/XX/year>2025. I contacted Comenity Capital Bank immediately to investigate this matter. I spoke with a representative from their fraud department named XXXX, employee ID XXXX. She clearly informed me that there was no record of any credit application under my name in their system and that she had no explanation as to why this inquiry was showing up on my credit report. 

XXXX advised me to file a dispute with XXXX, which I did on the same day through their official website. The dispute was regarding the unauthorized hard inquiry posted date : XX/XX/year> as I have not applied for any credit with Commenity. 

Shockingly, XXXX  resolved the dispute in less than 24 hours and closed it under file number XXXX as a verified This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies conduct a reasonable investigation and allows up to 30 days to complete it. XXXX did not comply with this requirement. 

I am requesting that the CFPB step in and assist me in holding XXXX  accountable for failing to properly investigate a dispute and for reporting inaccurate and unauthorized information on my credit report. I also request an investigation into Comenity Capital Bank regarding the origin of this inquiry. 

I appreciate your attention to this matter and hope for a fair resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Claims and Recovery and Credit Card Services Re : Dispute of Unauthorized Transactions on Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I am writing to formally dispute all the transactions on this XXXX XXXX XXXX XXXX  account # XXXX. After a thorough review of the account activity, I have identified that none of these transactions were authorized by me. I believe this account has been subject to fraudulent activity. 
In accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am exercising my right to dispute these unauthorized charges and request that you open an investigation into this matter immediately. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 16811 ), I request that all information related to these fraudulent transactions be removed from my credit report as they are inaccurate and do not reflect my credit history.

Please : 1. Investigate all disputed transactions on account # XXXX. 
2. Remove all fraudulent transactions and related negative information from my credit report.

3. Close or freeze this credit card account to prevent further unauthorized use.

4. Provide written confirmation of your receipt of this dispute and the actions taken.

I request that you acknowledge this dispute in writing within 30 days, as required by federal law.

Please communicate with me at the above address.

Thank you for your prompt attention to this urgent matter. 

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 2025-07-29 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: IN

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was notified by XXXX XXXX that they are enforcing a credit limit on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which are cards that are promoted All over the world as a cash card with no present spending limit and they charge a hefty annual fees for that reason {$690.00} $ XXXX for the gold. When I asked why I was placed under a limit despite the fact that my card should have no limit, I was told my spending behavior over the past four months was high and it did not match my profile. They also told me that I could not use their card for transactions with a retailer that I have an existing relationship with. And told me that this behavior is against their card holder agreement. In addition, they lowered the limit on my other XXXX XXXX XXXX  XXXX  account and personal XXXX XXXX as well, which I did not have any transactions on similar to my XXXX  XXXX  XXXX. I asked for a copy of the agreement and there was no reference to any terms which they based their decision on. When I called back to ask them for a specific term or reference line to their credit agreement, I was told that I wont find such term in their agreement. Please note that I have a been a card holder with XXXX XXXX for 12+ years and never missed a payment and have an excellent credit score. Which should give them no right or reason to treat me the way they did. Made a decision on my accounts to place me on a spending limit, and made reference to their card holder agreement, and its all false and have no basis. They lie to their customers and make false accusation and promote misleading advertising on their XXXX XXXX XXXX XXXX  being a limit less card is totally false

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-29 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-07-29 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-07-29 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:
Recently received a copy of my credit report, and seen that there were many fraudulent accounts on my report. Please remove these fraudulent accounts from my account, its hurting my ability to obtain credit.

Company response to consumer: Closed with explanation