vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
TransUnion is currently reporting several charge-off accounts that are either inaccurate, misleading in context, or have been reported without proper regard for the full financial resolution of those accounts. I am specifically referring to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 for {$8500.00}. 

The manner in which these accounts are being reported is damaging and fails to reflect the full story or current status of those debts. Whether they were settled, partially resolved, disputed, or the result of hardship during the COVID-19 pandemic period, the current reporting by TransUnion provides no contextual accuracy or clarity. In doing so, TransUnion is violating the core intent of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. It is not enough to simply list a charge-off and a balance. T

he law demands accurate, fa ir, and contextually complete data. Additionally, under 15 U.S.C. 1681i ( a ), I exe rcised my right to initiate a reinvestigation process to challenge the reporting. Yet, I have not received any meaningful reinvestigation or proper verification. The bureaus automated dispute handling and failure to meaningfully review supporting documentation submitted by consumers violates their obligations to conduct a good faith reinvestigation. 

The damage this is causing is not theoretical. Due to the presence of these charge-offs, I have been repeatedly denied access to essential lines of credit, faced excessive scrutiny from housing lenders, and have had to explain these accounts over and over again to employers and landlords. Ive been treated as financially irresponsible when in truth, many of these debts were already resolved or stemmed from economic instability that has long since been corrected. Being continuously punished for inaccurate or outdated reporting is demoralizing and unfair. I feel trapped in a cycle of rejection, frustration, and financial embarrassment because of a credit bureaus failure to do their job thoroughly and fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for the Quicksilver Capital One Credit Card in XXXX. In XX/XX/XXXX, I transferred a {$6000.00} balance from another credit card to this account, paying a {$180.00} balance transfer fee. Typically, 0 % promotional interest on balance transfers lasts XXXX to XXXX  months, so I assumed I had ample time. However, I lost track of the exact expiration date since Capital One does not clearly disclose the expiration of the promotional rate on monthly statements, unlike other issuers such as XXXX XXXX XXXX, which provide a specific date. 
I attempted multiple times to obtain this information by calling customer service, but the automated system repeatedly redirected me without providing an answer, and long hold times prevented me from speaking to a representative. As a result, I was unable to confirm when my promotional rate expired. 

In XX/XX/XXXX, I noticed an interest charge at a 25.24 % rate. Prior statements from XXXX and XX/XX/XXXX still showed the 0 % rate. This charge appeared without advance warning, and there was no simple way to track when the promotional rate would expire until the charge appeared. 
I immediately contacted customer service, explained the situation, and requested that they waive the interest, as many credit card issuers typically offer assistance when contacted promptly and when payments have been made on time, as in my case. However, they refused to help or escalate to a supervisor. I was told the decision was final. 

I believe Capital One 's failure to disclose promotional expiration dates clearly, combined with difficult access to support, creates unfair obstacles for customers. This makes it nearly impossible to monitor expiration periods effectively. Given that I contacted them quickly after the charge, maintained a good payment record, and offered to pay off the balance immediately, I feel Capital One should have shown flexibility.

Im requesting assistance in getting this interest charge waived and advocating for clearer disclosure practices regarding promotional rate expirations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: DE

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 FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are errors in the personal details shown on my credit report. I respectfully ask that an investigation be carried out to correct and update this information within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
b'"I sent a certified letter to Transunion XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with bank: XXXX ACC # XXXX BALANCE XXXX  ACC # XXXX BALANCE $XXXX ACC # XXXX BALANCE XXXX XXXX ACC # XXXXXXXX BALANCE XXXX ACC # XXXX BALANCE XXXXXXXX ACC # XXXX BALANCE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I believe the reported information regarding these student loan accounts is inaccurate and/or unverifiable. Specifically, I am requesting that Experian investigate and verify the accuracy of the following details : Account Number : XXXX - Account Number : XXXX - Account Number : XXXX All accounts tied to these number should be updated and set to default ; their should be no late payments on my credit report. 

If the information can not be verified within 30 days, as required by the FCRA, I request that it be promptly corrected on my credit file and set back to default and zero late payments until further notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Would like to know if you could represent me in my case against my Mortgage XXXX for their improper use of my escrow funds last XXXX yrs. 
If you could represent me I will follow up with major inaccuracies in my account Company is PHH Mortgage Brought out by XXXX XXXX  Still being used by PHH Mortgage Services XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I received an email about my address and email change from Milestone & Destiny Credit card company Concora Credit -I then started noticing over the limit alerts and knew I have not used card or changed anything - I contacted the card company and was told a FRAUD packet would be mailed to me and new cards it has been 3 weeks NOTHING has came- I updated my new address XXXX XXXX XXXX XXXX XXXX, MD XXXX and have not got anything from the company but CALLS abut being late on a payment and being charges fees and not helped! 

XXXX XXXX XXXX did the ame thing no card and when I called the guy told me pay my bill and hung up in my face. I do not know what type of UNPROFESSIONAL company this is but FRAUD is not a reason to not help. I want to pursue anything I can against them to show this is unacceptable behavior and ILLEGAL. 

Destiny Card # XXXX Milestone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX of this year i sent a dispute letter to Experian to correct the incorrect information on my credit report such as Address, phone number etc since sending off this letter in XXXX i have been unable to check my credit report online or my scores in their website. Furthermore, i received dispute results in XXXX after submitting in XXXX. The dispute results shown to me on the experian website said they were unable to show me the results on line so i had to call in to their customer service line to review the results. So since XXXX to now i have been calling the customer service line non stop and have requested multiple times by mail that my report be sent to me but i have received nothing. & have had no access to my credit report or scores online this is unacceptable i have called XXXX XXXX XXXX  & can speak to someone with no problem. This is really unacceptable for a credit bureau to behave this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting my name incorrectly in their records, and this inaccuracy has led to repeated confusion, delays, and unnecessary hardship in multiple areas of my life. My full legal name is XXXX XXXX XXXX. However, Equifax continues to report my name as simply XXXX XXXX, completely omitting the XXXX suffix that is legally required and appears on all official documents, including my government-issued identification, banking records, and employment files. 

This is not a trivial formatting mistake. The removal of the XXXX suffix has real-world consequences. In my case, it has resulted in credit file contamination, confusion with accounts or inquiries that may belong to a relative with a similar name, and repeated obstacles during financial verifications. I have already encountered a situation where a lender pulled the wrong data because of a name mismatch caused by this omission. These are preventable problems that Equifax has a legal obligation to avoid. 

The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), requires Equifax to follow reasonable procedures to assure maximum possible accuracy in consumer reports. Failure to include a legally significant suffix, like XXXX, in my name is a failure to meet even the minimum standard of accurate identification. Moreover, this issue has been brought to Equifaxs attention and has still not been corrected, which constitutes a violation of 15 U.S.C. 1681i ( a ) Equifaxs duty to conduct a reasonable reinvestigation and correct or delete inaccurate or incomplete information when disputed by the consumer. 

I must emphasize the burden this error has caused. It has delayed employment onboarding, complicated background checks, and even impacted access to certain financial services. In one instance, I was denied a pre-approval because my legal name could not be matched to what Equifax had on file. Its both infuriating and unjust to be penalized due to reporting negligence over something as fundamental as my name. The psychological and emotional strain of constantly having to explain or correct someone elses oversight is exhausting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is reporting charge off/account closed and negative balance on my credit card that was paid in full. I called them several times since XXXX  tge year, up to this date. No change. At All.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I have requested Experian to investigate this Fraudulent Account numberXXXX by XXXX XXXX with a Balance of {$350.00} dollars that I never used or owned.

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