vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXXXXXX  ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized 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 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 a 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 if 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 explanation
Consumer complaint received 2025-05-17 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:
I addressed this company in 2019 that the account wasnt mine and let them know my information was compromised and they continued to address was not mine and the representative at the time advised me that because the suspect was using the card and pay on it that there was nothing I could do and I called every two years after that and they never gave me steps or advised me on what to do to come to a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I addressed this company in 2019 that the account wasnt mine and let them know my information was compromised and they continued to address was not mine and the representative at the time advised me that because the suspect was using the card and pay on it that there was nothing I could do and I called every two years after that and they never gave me steps or advised me on what to do to come to a resolution

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 2025-05-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: OPTUM BANK, INC.
State: MA

Complaint narrative:
I enrolled in the commuter benefits program for my job through Optum Financials. Optum is supposed to provide me with a card that takes {$100.00} from my paycheck and applies it to a transit card. The benefit aspect is that the money on the transit card is tax-free. I was officially registered for the benefits on XX/XX/XXXX, but I did not receive my card until XX/XX/XXXX. The program has continued to charge me {$100.00} a month, but I only just received the card. I've spoken to my HR rep as well as multiple members of their customer service team, and they can not cancel the card, nor confirm I won't be charged for next month. They said the best I can do is set future contributions to XXXX, but their portal is very confusing and I can't figure out how to even do that. They also say there is absolutely no way to reimburse me for the months I've already paid for transit with, or to get the money off the card. 

They also make it impossible to access your benefits unless you have the card number, so I was unable to cancel my benefits until my missing card was re-ordered and re-sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CT

Complaint narrative:
I want to make it clear that this complaint is valid and not submitted in error. My credit report includes information that does not meet the Fair Credit Reporting Acts requirement for maximum possible accuracy. These inaccuracies are having a persistent and detrimental impact on both my financial standing and personal well-being. Given the challenges I am currently facing, I respectfully request that these issues be reviewed and resolved as a matter of urgency. Correcting or removing these inaccuracies would provide meaningful relief and restore fairness to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was encouraged to open a XXXX credit card at checkout by a store associate, and I used it only once for that single in-store purchase. After receiving the card in the mail, I intended to set up autopay ( as I do with all my cards ), but I mistakenly forgot to activate it or revisit the account, as I wouldnt be using the card. 

This was an honest oversight not an attempt to avoid payment. I eventually paid off the balance in full ( including fees ), and I even overpaid the original transaction amount. 

Despite my otherwise spotless payment history, XXXX reported a 30 and 60-day late payments on this one small transaction, and has refused to remove the marks from my credit report. As a result, my credit score has dropped over XXXX points out of proportion to the severity of the mistake, and far beyond what seems fair for a one-time, low-dollar lapse. 

I have repeatedly asked for a goodwill adjustment, which many issuers offer in cases like this, especially when the consumer has made good on the balance. I am asking the CFPB to help review this case, as I believe the reporting is unnecessarily punitive and damaging to my long-standing good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was encouraged to open a XXXX credit card at checkout by a store associate, and I used it only once for that single in-store purchase. After receiving the card in the mail, I intended to set up autopay ( as I do with all my cards ), but I mistakenly forgot to activate it or revisit the account, as I wouldnt be using the card. 

This was an honest oversight not an attempt to avoid payment. I eventually paid off the balance in full ( including fees ), and I even overpaid the original transaction amount. 

Despite my otherwise spotless payment history, XXXX reported a 30 and 60-day late payments on this one small transaction, and has refused to remove the marks from my credit report. As a result, my credit score has dropped over XXXX points out of proportion to the severity of the mistake, and far beyond what seems fair for a one-time, low-dollar lapse. 

I have repeatedly asked for a goodwill adjustment, which many issuers offer in cases like this, especially when the consumer has made good on the balance. I am asking the CFPB to help review this case, as I believe the reporting is unnecessarily punitive and damaging to my long-standing good credit.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was encouraged to open a XXXX credit card at checkout by a store associate, and I used it only once for that single in-store purchase. After receiving the card in the mail, I intended to set up autopay ( as I do with all my cards ), but I mistakenly forgot to activate it or revisit the account, as I wouldnt be using the card. 

This was an honest oversight not an attempt to avoid payment. I eventually paid off the balance in full ( including fees ), and I even overpaid the original transaction amount. 

Despite my otherwise spotless payment history, XXXX reported a 30 and 60-day late payments on this one small transaction, and has refused to remove the marks from my credit report. As a result, my credit score has dropped over XXXX points out of proportion to the severity of the mistake, and far beyond what seems fair for a one-time, low-dollar lapse. 

I have repeatedly asked for a goodwill adjustment, which many issuers offer in cases like this, especially when the consumer has made good on the balance. I am asking the CFPB to help review this case, as I believe the reporting is unnecessarily punitive and damaging to my long-standing good credit.

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 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I'm being told by XXXX XXXX that I owe the amount of money and they have their third party collection agency contacting me often. I have no knowledge of this account I've never done business with them and I won't just to clear up not only are they showing I owe them for their cable but also they showing the outstanding for mobile services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There are multiple hard inquiries on my Experian credit report that I did not authorize. For example, I already have an active XXXXXXXX XXXX XXXX yet a new hard inquiry from XXXX was added to my report today. I have not applied for any new credit recently, and these inquiries are suspicious. This may be a case of identity theft or a reporting error. 

I attempted to contact Experian to dispute these inquiries, but I was unable to reach a customer service representative. Additionally, their website does not provide an option to dispute hard inquiries directly, leaving me with no way to resolve the issue through normal channels. 

I am requesting that these unauthorized hard inquiries be investigated and removed from my credit report if found to be inaccurate or fraudulent.

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 2025-05-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : First notification of alleged debt received through collection notice from XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : Sent immediate response disputing the debt as not belonging to me. 

XX/XX/XXXX XXXX XX/XX/XXXX : Received another collection notice, this time from XXXX XXXX XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Spoke with Barclays ' security team who confirmed no account existed matching my information. 
XX/XX/XXXX : Sent Barclays a formal dispute letter with copies of identification and relevant documents. 
XX/XX/XXXX : Sent a dispute response to XXXX XXXX XXXX. 
XX/XX/XXXX : Received a letter from Barclays. 
XX/XX/XXXX : Spoke with a Barclays agent who could not find an account under my information but located one under the alleged account number. Was informed that the account was closed by an Investigations Team agent on this date. 
XX/XX/XXXX : Was promised a response within 10 days, but received no communication. 

XX/XX/XXXX XXXX XX/XX/XXXX : Called Barclays again and spoke with XXXX of Fraud Investigation, who confirmed the discrepancy regarding my personal information. Sent another dispute letter with identification documents. 
XX/XX/XXXX : Received a letter claiming Barclays ' investigation " confirmed that your account is being reported accurately '' despite the clear evidence of fraud. 

XX/XX/XXXX XXXX XX/XX/XXXX : Sent a certified letter with a request for validation of debt within 30 days for the following : - Original credit application showing my genuine signature - Complete payment history - All account statements including the physical address where they were mailed - Documentation showing the incorrect DOB that was flagged during my calls with your representatives - Explanation for why Barclays own security team could not locate the account under my correct SSN or DOB - Formal investigation report documenting your company 's investigation process and findings regarding my dispute - Copies of any information reported to credit bureaus regarding this account - Chain of authorization for any account changes ( address, phone number, etc. ), including documentation showing who authorized these changes and how identity was verified XX/XX/XXXXXXXX XXXX XXXX  Submitted complaint to CFPB

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These is the account I want to dispute : 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