vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH  AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Never given permission for this auto loan that is not my debt. Debt collector has my personal information that's not mine. They are trying to sue me in court is in the process of trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I filed a XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), a bankruptcy can remain on a credit report for up to 10 years from the filing date. Therefore, this bankruptcy is legally allowed to be reported until XX/XX/XXXX. 
However, I am seeking its removal because, " the bankruptcy was discharged early, '' " the reporting contains inaccuracies, '' or " I believe it is negatively impacting my credit score despite being within the reporting period ''.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am supposed to receive {$990.00} in the form of a merchandise credit to my account via the Purchase Assurance Plus program provided as part of my accounts debit card benefits a benefit provided by XXXXXXXX XXXX Benefits and administered by their claims administrator XXXX. 

Despite XXXX XXXX portal showing that a payment was issued in the amount of {$990.00} to my account on XX/XX/year> XXXX XXXX XXXX  Experian can not find any indication of this on their end.

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Did not deliver the summons directly to me left letter taped to my mailing address stating I owe a debt and threatening to take me to court. " Confirmed '' residence with an unknown male. Someone I don't even recognize by description that would live near me and no name listed. I no longer live at the address delivered to. This also happens to be a credit card that was opened in my name and I tried disputing the debt previously and was denied. Never signed the contract for payment either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Contacted TransUnion directly. Their first rep was so bad I asked for a supervisor. He refused, and hung up. Called back, got the same guy ( XXXX ) who at one point said I " created a false narrative '', and said he put in a supervisor callback before hanging up again.

I then called in and spoke to a supervisor who could NOT tell me when my accounts would be correctly updated. I have verified with the creditors that they have reported, and XXXX  is showing correct information. Transunion is artificially holding my score down, and I can not take out the business loans I need 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed a Midland Credit Management collection account on my XXXX  report because the information being reported is both inaccurate and incomplete. Despite the obvious discrepancies, XXXX  verified the account as accurate without correction or clarification. 

The tradeline lists the loan type as XXXX XXXX Account. This classification is incorrect and misleading. Midland Credit is a debt buyer and collection agency, not a commercial factoring company. Factoring companies purchase business invoices, not consumer debt. Reporting this account under the XXXX XXXX Account category misrepresents the nature of the debt and its relationship to the consumer. 

Additionally, the account shows no payment history grid and omits the Date of First Delinquency ( DOFD ). The DOFD is required for all collection accounts because it determines the 7-year reporting period allowed under federal guidelines. Without this date, neither XXXX  nor Midland can demonstrate when the account first became delinquent or whether it is still within the allowable reporting timeframe. 

The lack of any payment history or delinquency timeline renders the account incomplete and unverifiable. It also causes the account to appear newer than it really is, which can unfairly impact credit scoring models and mislead lenders reviewing my file. 

These errors collectively show that both Midland and XXXX  are furnishing and maintaining inaccurate and incomplete data. XXXX reinvestigation was inadequate and failed to identify or correct these clear issues, despite the information being readily visible on the report. 

Please see attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
After looking over my Experian credit file the accounts are inaccurate, unverifiable, and in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/year> TransUnion XXXX - XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-10-16 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: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/year> TransUnion XXXX - XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT 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

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: AZ

Complaint narrative:
XXXX XXXX  is being reported inaccurately on XXXX  by Harley Davidson financial . They say I had a late payment both of those. But XXXX  shows differently, stating I only missed XXXX. They are reporting different to each of bureaus. This is a violation to myself. And Im asking for an investigation on both months. If they cant accurately post across all three then Im asking for them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-16 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: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-16 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: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Upon moving into the apartment ( XX/XX/XXXX ), maintance informed that upstairs tenant was extremely loud and if it became a problem to contact the office. First contact with office, XXXX XXXX, was XX/XX/XXXX. XXXX mentioned issued with be discussed with tenant. For almost 2 weeks, the excessive noise continued, so I followed up. XXXX mentioned the issue had no been address, but they would. 
Called the office on XX/XX/XXXX and again on XX/XX/XXXX to report. I called again on XX/XX/XXXX, spoke with XXXX and explained the noice had been going on for over an hour. She came to my apartment, listened and recorded the noise. She then went upstairs and had a conversation with the tenant, after agreeing the noise was excessive. The ceiling, light fixtures and walls would shake from the children jumping around. In the past, a clock had been knocked off the wall and decor off the top of kitchen cabinets. 
XXXX mentioned that I need to contact the office/security and record every instance. I reached out to the office again on XX/XX/XXXX via email. XXXX said the office would follow up with the tenant. In XXXX, XXXX in maintenance was in my apartment, heard the noise and went upstairs and had a conversation with the tenant. 
The office staff at XXXX were aware that I work from home 80 % of the time. Asking me to record instances that span from minutes to hours all day is unacceptable and unreasonable. I can not sit in silence to record and make phone calls to the office all day. I was being asked to sit in silence to record all instances, which meant I could not live my life, my recording devices picked up ALL noise. I couldn't listen to music, watch tv, or even have company over. 
I also suffer from XXXX  and the stress of the situation made them worse. From 1 or 2 XXXX  a month to 1 or 2 a week. In the midst of a XXXX, I could not physically call the office, security or record these instances. 
When I gave my notice, I was offered a XXXX floor apartment. I explained to XXXX that when I moved in I chose a bottom floor because I can not walk up and down stairs due to a terrible accident 2 years prior. 
The office had multiple conversations with the upstairs tenant, and nothing changed, only got worse. How many documented instances does someone need? 
According to my lease agreement, I have an implied right to a covenant of quiet enjoyment, which is not being provided. The covenant of quiet enjoyment guarantees a tenant the right to peaceful and undisturbed possession of the property. This includes the right to enjoy some degree of peace and quiet. The landlord has a responsibility to ensure that tenants can enjoy their property without unreasonable interference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

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

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX 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
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On or about XX/XX/year> a person walked into an XXXX store and purchased an XXXX  under my name. They had my phone shut off and they had my pin number for XXXX changed. They then had ALL of my information, social security number, phone numbers, address, etc. They started opening credit cards and used a bank credit card to put over {$4000.00} on it. They even had my home phone shut off. It took XXXX almost two weeks to get my phones turned back on. I spent over 24 hours on the phone with them ( using someone else 's phone ) to try to get it back over that two week period. It was XXXX to say the least. I had to call all of my credit cards, as they started to use my cards. I did file a police report in my hometown. I also contacted one of the government agencies and reported to all three credit bureaus. I had to close all of my bank accounts. I reported to Capital One whom I had a minimal balance with, which I paid all of my cards off. I have a Cabela 's card backed by Capital One. The only thing it has ever been used for is my fianc 's fishing items and hunting items. That is it. I had called Capital One to report the cards compromised and they put a restriction on them. I had to send my driver 's license, which I was VERY uncomfortable doing after all of this. When someone charged {$67.00} in XXXX, Ohio for groceries on the Cabela 's card, I contacted them. I told them I was uncomfortable sending my drivers license again, since that is what they wanted. They gave me a Case # XXXX. The day after I sent my driver 's license again, I received a call from a XXXX XXXX that said they had taken over the account. I didn't bother answering or talking. The balance is now up to {$98.00}. I am not paying this. It is not my charge. I am XXXX XXXX XXXX. If I have to hire an attorney, I will do so, but I thought why not try the government first?? I worked for the USPS for 32 years, so why not trust someone? It was suppose to take 2 weeks after they received the license. I guess not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very frustrated to see that unauthorized inquiries are still appearing on my credit report today. I have no idea why they remain there, even after refreshing my browser. Please review the documents I sent right away and make sure this issue is permanently resolved.

Company response to consumer: Closed with explanation