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

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I filled a dispute with national credit systems about a debt that I do not owe with my former apartment management. On XX/XX/XXXX. I called them to confirm they received my dispute. Since that time I have not seen or heard anything back regarding my dispute, and since that time they have reported to the credit bureaus that I owe the debt I am disputing. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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

Complaint narrative:
I am writing to formally dispute and request the immediate removal of unauthorized credit inquiries from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 604. 
Upon reviewing my credit report, I noticed the following unauthorized hard inquiries that I did not initiate, approve, or authorize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not XXXX XXXX any application for credit, loan, services, or any other account. I did not XXXX written authorization for these parties to access my credit file.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
The date XX/XX/year> Amount XXXX XXXX XXXX XXXX I have XXXX charges for the same amount for that day. Ive reached it to the bank multiple times with no resolution in resolving the phone service which was not provided for the XXXX phone lines. I was new to this company and was trying to bring over XXXX new lines. I tried to set it up myself but it was unsuccessful. I reached out to the merchant via chat multiple times that was unsuccessful. I could not call and speak with any because you have to have an active line to speak with the representative. I could never get that started. I requested a refund and was advised by the merchant to dispute with my back. I provided the bank screen shots of the entire convocation with the merchant including the attempts to resolve with no resolution. I filed a dispute with XXXX  that is partner with PayPal on XXXX for both charges and made multiple attempts with the bank to resolve the matter and the bank has done nothing but give me the run around and lie. I asked for cooperate number and the bank refused to provide it. The closed one of my cases prematurely and the other one is still under review. I submitted all the necessary documents to the bank and yeah, Im still getting a run around. They gave me a timeframe of XXXX to XXXX business days for it to be resolved yet we are past the XXXX business day where past the XXXX business day and theres no resolution I spoken with multiple supervisors and they say that the merchant has XXXX  days to resolve this matter yet again nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disagree with BJ 'S Capital one 's XX/XX/XXXX, response and request your assistance. there are inconsistencies and compliance issues regarding an XX/XX/XXXX late-payment mark. For XX/XX/XXXX, Capital One furnished a late payment to XXXX  and XXXX  but not to XXXX. This inconsistency across CRAs shows the information is not uniform or reliable, suggesting an error in furnishing or handling and hurting my credit score. I contacted the bank multiple times. They repeatedly stated the data is accurate, but did not provide documentation showing legal compliance. Legal basis 21-day statement rule. A card issuer may not treat a payment as late unless it has reasonable procedures to mail/deliver the periodic statement at least 21 days before the due date ; and it may not treat as late a minimum payment received within 21 days after mailing/delivery. BJ 'S Capital One has not substantiated compliance. Periodic-statement content. The statute requires the items specified for open-end plans ; 1666b expressly references 15 U.S.C. 1637 ( b ). Please require proof that Capital One complied for XX/XX/XXXX. Negative information notice. 15 U.S.C. 1681s-2 ( a ) ( 7 ) requires written notice to the consumer before or within 30 days after furnishing negative information to a CRA. I requested that notice and Capital One could not provide it. Furnishers must not report information they know or have reasonable cause to believe is inaccurate and, if information is incomplete or inaccurate, must correct it with all CRAs to which it was furnished. The XXXX/XXXX  vs. XXXX  mismatch indicates non-compliance. Require Capital One to conduct a reasonable investigation and document : a timely mailing/delivery 21 days of the periodic statement for the XX/XX/XXXX cycle ; ( b ) the negative-information notice provided within 30 days ; ( c ) the procedures ensuring accuracy and uniformity across all CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A week or two later, I attempted to return them at a different XXXX  location. At that time, I was told that the same items had already been returned at two different XXXX  stores, and refunds were issued in the form of gift cards. This is fraudulent because I still had the original items and receipt in my possession.\n\nI filed a dispute with [Bank Name]. I was issued temporary credit, but the bank later reversed it after the merchant challenged the claim. The bank states that they mailed me a denial letter over the summer. However, I had informed a bank representative before leaving that I would be overseas, and I never received the letter until after the case had been closed.\n\nNow, the bank has refused to reopen the case, claiming the appeal window has closed. This denial is unfair because I was not given a reasonable opportunity to respond to the merchants evidence. The banks handling of my case denied me my rights under the Fair Credit Billing Act (FCBA), which requires a fair and timely investigation.\n\nWhy I Believe This Is Improper:\n\nI still have the items and receipt, proving no valid return/refund could have occurred.\n\nRefunds were improperly issued to unknown individuals without a receipt.\n\nThe bank promised my being overseas would not affect the dispute, but then closed the case without allowing me to respond.\n\nThe bank has now shifted responsibility entirely onto me to contact the merchant, despite their legal obligation under the FCBA to resolve billing errors.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
XXXX sent my bank a letter stating that I owed car insurance to another persons name, my son and I are the only ones on the accounts and they did a fraud to e first time in XX/XX/year> and had a letter sent to them with the girls name on it wasnt mine and said that I approved for them to charge my debit card for the XXXX for her car insurance I got it back then the bank took at out again Saying I cant re dispute this charge Now they are saying that they cant do anything being that its to far back Please help me Its First Financial Bank of Mineral WELLS I have have documents to prove it isnt my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX ( third-party debt collector ) and Upstart ( original creditor ). 

On XX/XX/year>, XXXX XXXX contacted my parents phone number regarding my Upstart personal loan account. This number was never provided to Upstart, and Upstart confirmed directly with me that they had my correct phone number on file. 

During the call, the XXXX XXXX agent spoke with my father, who transferred the call to my mother. My mother was confused, and the agent assumed she was me. Without verifying identity, the agent treated her as if she were the account holder before realizing the mistake and leaving contact information. 

I later contacted both companies. Upstart confirmed they never had my parents number on my profile, and XXXX XXXX admitted they did not have my correct number, which I believe is inaccurate since Upstart confirmed they did. 

This incident is a breach of privacy and a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), as debt collectors are prohibited from disclosing or discussing account information with third parties. The call exposed my personal information and created distress, even though both companies apologized afterward.

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

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : INQUIRIES XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *, Date Opened : XX/XX/XXXX, Balance : {$190.00} 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, XXXX as proof from the XXXX 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 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 2025-09-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have PayPal and been playing games on the phone and never received my 1st times payment nor my bonus. And need the money I see them buy stuff with it .something not right

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-09 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: FL

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 : 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 Balance : {$0.00} 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, 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 non-monetary relief
Consumer complaint received 2025-09-09 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: MO

Complaint narrative:
Re : Dispute & Demand for Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It XXXX Concern : I dispute the accuracy, completeness, and lawful basis of the MO CHILD SPRT / Family Support account reported on my TransUnion file. 
FCRA/Metro 2 Violations ( Specific ) : 1. Method of Verification 15 U.S.C. 1681i ( 7 ). This tradeline was reported without valid evidence. Provide the actual method of verification, including the furnishers legal authority and the documents you relied upon.

2. Accuracy/Completeness 15 U.S.C. 1681e ( b ) & 1681i ( a ) ( 5 ). You show Payment Status : Collection/Chargeoff, Balance : {$140.00}, Date Opened : XX/XX/XXXX, Last Reported : XX/XX/XXXX. The entry lists a Child Support court/state entity as furnisher, which is false and misleadingcourts do not report consumer credit accounts.

3. Privacy 15 U.S.C. 1681a ( 4 ). Child support is a private matter ; publication on a consumer report violates my right to privacy.

4. No Permissible Purpose 15 U.S.C. 1681b. I never granted written authorization or consent for this reporting. Maintaining this item absent a permissible pur
pose constitutes identity theft under the FCRA.

5. Metro 2 Non-Compliance. The tradeline uses collection/chargeoff coding for a child-support obligation, which is inconsistent with a courts non-furnisher status and creates factual inaccuracy across required fields ( furnisher identity and status elements ).

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