vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX XXXXXXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report under the name of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not authorize this credit inquiry, nor did I apply for a credit loan or give permission for my credit to be pulled in connection with any loan application with this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Experian sent me a letter thru my online portal stating that they are re-inserting information that I previously disputed as identity theft back in my credit report without my written or verbal consent! According to the Fair credit Reporting act EXPERIAN CAN NOT ADD ANY ITEM TO MT PERSONAL CREDIT FILE WITHOUT MY WRITTEN OR VERBAL CONSENT! this is an absolute PRIVACY VIOLATION! I have send numerous complaints to the CFPB about this same issue, if this continues EXPERIAN WILL FACE LEGAL ISSUES FOR FCRA PRIVACY VIOLATION AND MISUSE OF CREDIT FILE! XXXX XXXX BANK ACCOUNTS ENDING IN XXXX and XXXX MUST BE REMOVED AND BLOCK AS I REQUESTED IN MY PREVIOUS DISPUTE AND COMPLIANT LETTER TO CFPB! I am keeping a tight record on all correspondence from Experian because this is erroneous that Experian can decide to add incorrect information to your credit after you have reported this and demanded accounts be blocked from further accessing my credit file without my written or verbal consent which I NEVER GAVE! Remove these accounts asap! NEVER PLACE ANYTHING ON MY CREDIT FILE THAT I HAVE REPORTED AS FRAUDULENT OR I HAVE NOT GAVE CONSENT TO

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 2025-08-02 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: MD

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX  XXXX XXXX Balance {$7100.00} XXXX XXXX  XXXX Balance {$10000.00} XXXX  XXXX Balance {$18000.00} XXXXXXXX XXXX XXXXXXXX Balance {$21000.00}

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 2025-08-02 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: CA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the closure of my BMO account and the withholding of my available funds. I deposited XXXX third-party checks into my account. XXXX of the checks successfully cleared and became available in my balance. The second check was returned due to insufficient funds, and shortly after, XXXX closed my account. 

The issue is that despite XXXX check being returned, the funds from the successfully cleared check remain in my account but are being withheld, even though they were previously marked as available for withdrawal. 

After the account was closed, I received a mailed copy of the returned check along with a statement from the issuer saying I can re-deposit or cash it as a regular check, which is extremely confusing since BMO claims the account it came from had no funds. This contradiction raises concerns about the accuracy of BMOs return and closure process. 

Furthermore : I never received any formal notice explaining in detail why my account was closed or why the cleared funds are being held.

BMO initially sent me a letter stating my funds would be available after XXXX business days starting from the day after I deposited the check. 
That date has passed, and the funds are still being withheld. 
I have tried contacting BMO customer service numerous times by phone and in person. Ive been put on hold for hours with no resolution, and treated disrespectfully at the branch. 
Ive also contacted BMO corporate via email and have not received any response. 

I am simply asking for the release of my legitimately cleared funds, or a written explanation with documentation as to why they are being held. I also question why the bank accepted and cleared the check initially, only to later reverse course. 

I believe I am being treated unfairly, and this situation has caused me significant hardship.

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 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX TransUnion, and XXXX  several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them XXXX days to removing these accounts and they have not responded or removed the accounts I'm demanding 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 2025-08-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
{$200.00} account opening bonus was not applied despite fulfilling all requirements.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-04 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Kikoff Inc.
State: WA

Complaint narrative:
I am reporting Kickoff Lending. 

I am requesting a full refund for charges made to my account over the past year. When I enrolled, I was told I would receive access to an online store. Despite paying for nearly a year, I never received this access. 

This constitutes a clear failure to deliver the promised service. I am formally requesting a full refund of the amount charged and cancellation of any future billing.

Please respond within 24 hours of this message. If I do not receive a response, I will proceed with the following actions : File a dispute with my bank or card issuer Submit a complaint to the Better Business Bureau and/or Federal Trade Commission Leave public reviews outlining the issue Thank youXXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Subject : Remove Unauthorized Credit Inquiries Reported by Experian Immediately To Whom It May Concern, Remove immediately the following fraudulent credit inquiries reported by Experian. These inquiries were not authorized by me and are the direct result of identity theft. I did not apply for credit, nor did I give any company permission to access my credit report. 

The disputed inquiries are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching my official FTC Identity Theft Report, Report No. XXXX, dated XX/XX/XXXX, where I declare under penalty of perjury that I am a victim of identity theft. 

Laws Being Violated FCRA 605B 15 U.S.C. 1681c-2 As a verified victim of identity theft, I have the right to request that any item resulting from identity theft, such as these inquiries, be blocked within 4 business days of submitting the proper documentation.

FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) My credit report may only be accessed for a legitimate permissible purpose. These companies accessed my credit file without consent or valid legal reason, which is a clear violation of my privacy rights.

FCRA 611 15 U.S.C. 1681i Experian is required to reasonably investigate any dispute within 30 days and delete unverifiable or unauthorized data, such as these fraudulent inquiries.

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 2025-08-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
To : Toyota Motor Credit Corporation XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, IA XXXX Re : Second Notice Formal Dispute of Inaccurate Credit Reporting Account # XXXX Dear Toyota Motor Credit Dispute Department , On [ date of your first letter ], I submitted a formal dispute regarding the inaccurate and incomplete information your company is reporting to the credit bureaus concerning the above-referenced auto loan account. 

To date, I have not received any evidence or documentation verifying the accuracy of the reported information. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, and my complaint has been acknowledged. 

Legal Requirements Under FCRA Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 623 ( b ) : A furnisher must conduct a reasonable investigation of disputed information.

The furnisher must provide documentation verifying the accuracy of the information being reported.

If the furnisher can not verify the information, they are required to delete or correct the information with all credit reporting agencies. 

Ongoing Violations Identified Duplicate Balance Reporting The same {$27000.00} is being listed as both " charged off '' and " past due, '' which is misleading ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Incomplete Data The fields for " Original Creditor '' and " Company Sold '' remain blank, violating FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report complete and accurate information ). Missing Payment History Absence of monthly payment data misrepresents the accounts history.

Verification Failure You have not provided any signed contract, payment history, or other documentation verifying this account ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Final Demand If you can not provide full documentation verifying the accuracy and completeness of this account within 15 days of receiving this letter, you are required by law to : Notify all credit bureaus to delete or correct this account immediately. 

Provide me with a copy of the results of your investigation as required by FCRA 611 ( a ) ( 6 ).

Failure to comply will result in : Filing additional complaints with the CFPB, FTC, and my state attorney general.

Considering legal action for willful noncompliance under FCRA 616 and 617, which allow for actual, statutory, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am filing a formal dispute regarding an account reported by LVNV Funding / Resurgent Capital appearing on my XXXX  credit report as a collection account. This account is inaccurate, unverifiable, and may be illegally reported under several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Grounds for Dispute : 1. Unverified Information Violation of FCRA 1681i & 1681s-2 ( b ) : I have not received any original documentation proving that I owe this alleged debt, nor any proof of assignment from the original creditor ( XXXX  XXXX XXXX XXXX XXXX . LVNV Funding has not supplied a copy of the original signed contract, full billing statements, or chain of title verifying legal ownership of the debt.

2. Failure to Validate Debt FDCPA 1692g ( b ) : LVNV Funding attempted to contact me via email about this alleged account, but failed to provide the required written notice within five days of initial contact, as mandated under FDCPA. There was no itemized breakdown or official debt validation provided. This communication lacks the transparency and disclosures required by law.

3. Inaccurate and Potentially Inflated Balance Violation of FCRA 1681e ( b ) : The reported balance of {$620.00} has not been substantiated with itemized charges, interest, or any documentation from the original creditor. The failure to report accurate and verified information violates the requirement to maintain reasonable procedures for maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
v\Subject : Request for Description of Investigation Process Disputed Accounts on my Credit Report ( Equifax ) To whom it may concern, After Equifax completes its investigation which is written in this complaint, please, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I have identified five accounts that are reporting inaccurate late payments. These accounts were, in fact, paid on time. It is required by law that credit bureaus report information with the highest level of accuracy. The following accounts are incorrectly listed with delinquencies and must be corrected immediately : The disputed accounts are : XXXX XXXX Incorrectly reported 30, 60, and 90-day late payments despite timely payments. 

XXXX XXXX XXXX account shows a 30-day late payment which never occurred. 

XXXX XXXX Inaccurately reflects 30, 60, and 90-day late statuses, contrary to my records. 

XXXX XXXX ( Second Account ) Reported as 30 days late without basis. 

XXXX XXXX  Marked as 30 days late ; this is inaccurate per payment history. 

These inaccuracies are not only misleading but are also harmful to my credit and are in direct violation of federal consumer protection laws. 

Legal Violations Identified : FCRA 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of any disputed item.

FCRA 1681i ( a ) ( 7 ) : Entitles consumers to a description of the reinvestigation procedure used.

FCRA 1681s-2 ( b ) : Furnishers of data are required to correct inaccurate information.

FCRA 1681a ( 2 ) ( A ) ( i ) : Prevents the reporting of unverifiable experiential data.

TILA 1666b : Requires statements to be mailed at least 21 days prior to the due date.

TILA 1637 ( b ) : Requires detailed billing disclosures.

Final Note : I have complied with all payment obligations under each agreement. The reported delinquencies are false and are causing unjust harm to my creditworthiness. If you are unable to provide sufficient evidence, you are obligated under the FCRA to correct or delete the erroneous data. 

I expect resolution and a full written response within 30 days from the date of this complaint.

Company response to consumer: Closed with explanation