vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX, I called the customer service number on the back of the card because I already went on their website to check the balance and was not able to get any info. I spoke to a young lady in customer service and explained that I was going through some past Xmas cards snd found this gift card taped to the inside of the card. I never used it snd it says its for {$150.00}, and expires XX/XX/XXXX. She said since I didnt use it, it was no longer valid. I said the expirstion is XX/XX/XXXX, but she said that didnt matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
TransUnion credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, my credit file reflects a charge-off account that is being reported in a manner that is incomplete, inaccurate, and unverifiable.

Due to the TransUnion data breach, in which consumer information was unlawfully accessed and exposed, I have reason to believe that the integrity, accuracy, and reliability of my credit file has been compromised. Continuing to report disputed and unverifiable accounts under these circumstances violates the FCRAs mandates of maximum possible accuracy ( 1681e ( b ) ) and reasonable procedures to assure accuracy.

Pursuant to 15 U.S.C. 1681i, I demand that TransUnion : 1. 2. 3. Conduct a reasonable reinvestigation of the charge-off account in question, including full verification with complete documentation from the furnisher of information.

Provide me with the method of verification used, including the name, address, and telephone number of the furnisher, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

If TransUnion can not fully verify the account within 30 days, it must be deleted from my credit file immediately in compliance with 1681i ( a ) ( 5 ).

Case law has consistently upheld consumer protections under the FCRA. For example, in XXXX v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that credit reporting agencies must do more than a superficial investigation when notified of a dispute. Similarly, in XXXX  v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court emphasized that unverifiable information must be removed to protect consumers from inaccurate reporting.

The continued reporting of this charge-off, absent verifiable proof of accuracy, constitutes willful noncompliance under 1681n and negligent noncompliance under 1681o, both of which expose TransUnion to liability for damages, costs, and attorneys fees.

Requested Action : Delete the disputed charge-off account from my credit report, or provide legally sufficient documentation proving its accuracy within 30 days.

Provide me with a corrected copy of my credit report reflecting the changes.

Please consider this letter a formal notice of dispute. If TransUnion fails to comply, I reserve the right to pursue all legal remedies available under 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 2025-11-24 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
PRESTIGE FNL is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE FNL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am requesting an investigation into the following accounts and inquiries being reported on my Equifax credit file. I believe these items contain inaccuracies and are not being reported in a manner that is fair, complete, or verifiable. I am asking for a full review and correction or deletion where appropriate. 

Charged Off Accounts XXXX XXXX, XX/XX/XXXX, {$1600.00} Inquiries XXXX XX/XX/XXXX Late Payments XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : credit card account opened at XXXX on XX/XX/2022 account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Equifax only which is being inconsistently reported among the national credit bureaus XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I am requesting Equifax to conduct a reinvestigation into the following accounts and inquiries. These items are inaccurate, incomplete, and/or unverifiable due to identity compromise and past data breaches. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-24 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: TX

Complaint narrative:
Noticed numerous fraudulent charges and immediately called to have my card closed. All items were credited. Within a few days, {$210.00} was redebited to my account. I immediately called and asked why and was given a generic answer that some information matched. Subsequently I offered everything to think of to show how this fraud may have happened and possibly matched up, but they still refuse to credit back this fraudulent charge.

Scams and hacks happen every day. To make matters worse, I never received fraud alerts - no one ever called me to ask about these bogus charges. Unbelievable that they just kept letting them happen and now want to make me pay for their errors.

I did not make this charge and am beside myself that I have had to waste so much time on this and that they ultimately decide to take money from me that they shouldnt have allowed to be approved in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
Issue : Experian is charging me for a subscription that I can not access. Their system will not allow me to update my phone number or verify my identity, so I am locked out of my own account. I have no way to reach customer service, cancel the subscription, or stop the charges. I tried to contact them on XXXX and XX/XX/year>. 

Details : Experian has not provided a working method to update my phone number or verify my account. Because of this, I can not log in, cancel the service, or dispute charges. I am being billed for a service I can not use. I have attempted to contact Experian through their website and phone numbers, but I can not reach a live representative and the automated system does not allow me to update my information.

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 monetary relief
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS IS A CORRECTION TO MY PRIOR CFPB COMPLAINT ( Case ID : XXXX ). 

TransUnion falsely stated that my previous dispute did not come from me or someone I authorized. 
This is factually incorrect. 

I, XXXX XXXX, personally filed the complaint and submitted : My government-issued ID Proof of address My FTC Identity Theft Report My written statement All dispute documentation All of these were included in my original CFPB filing. 
TransUnion used a false claim to avoid properly investigating identity-theft-related accounts, mixed personal information, and reporting errors. 

This violates : FCRA 611 ( a ) Failure to reinvestigate FCRA 607 ( b ) Failure to maintain maximum possible accuracy CFPB rules prohibiting deceptive responses FCRA 623 ( b ) Furnisher duty to investigate I did NOT authorize TransUnion to classify my dispute as submitted by someone else. 
This is an inaccurate excuse and prevented the proper investigation of fraudulent accounts on my report. 

I am requesting that this complaint be formally corrected and treated as a continuation of my prior dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
THIS IS A CORRECTION TO MY PRIOR CFPB COMPLAINT ( Case ID : XXXX ). 

TransUnion falsely stated that my previous dispute did not come from me or someone I authorized. 
This is factually incorrect. 

I, XXXX XXXX, personally filed the complaint and submitted : My government-issued ID Proof of address My FTC Identity Theft Report My written statement All dispute documentation All of these were included in my original CFPB filing. 
TransUnion used a false claim to avoid properly investigating identity-theft-related accounts, mixed personal information, and reporting errors. 

This violates : FCRA 611 ( a ) Failure to reinvestigate FCRA 607 ( b ) Failure to maintain maximum possible accuracy CFPB rules prohibiting deceptive responses FCRA 623 ( b ) Furnisher duty to investigate I did NOT authorize TransUnion to classify my dispute as submitted by someone else. 
This is an inaccurate excuse and prevented the proper investigation of fraudulent accounts on my report. 

I am requesting that this complaint be formally corrected and treated as a continuation of my prior dispute.

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 2025-11-24 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: MD

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-24 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 Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 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:
XXXX continues reporting inaccurate and unverified information on this charged-off account. For 8 months I have requested validation of the alleged debt, including : ( 1 ) the original signed agreement, ( 2 ) full account ledger, ( 3 ) itemized transaction history, ( 4 ) documentation showing how the balance and charge-off amount were calculated, and ( 5 ) the method they used to verify the account. XXXX has never provided any documentation, despite multiple disputes and multiple CFPB complaints. 

Instead, XXXX closes my CFPB complaints by stating that I already disputed this item, which does not satisfy their legal obligation to provide validation when the information is challenged. This violates FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers must not report inaccurate information ). 

XXXX is also reporting continuous monthly charge-off updates, which causes illegal re-aging, making the derogatory appear newer than it is. Charge-offs can not update as new derogatory events each month. This materially harms my credit score and violates the prohibition on re-aging under FCRA 1681c ( a ) and the furnisher duties under 1681s-2 ( b ). A charge-off has a single event date ; it can not be repeatedly refreshed.

The tradeline contains : repeated charge-off updates that artificially reset delinquency age, no proof of debt or verification of accuracy, refusal to supply requested documents, failure to show the method of verification, failure to conduct a reasonable reinvestigation, and no accounting breakdown supporting the reported balance. 

Because XXXX has failed to validate the debt, continues re-aging the account, and continues reporting unverifiable and inaccurate information, this tradeline must be corrected or removed unless full documentation is provided as required under the FCRA.

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 2025-11-24 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: PA

Complaint narrative:
Accounts in Dispute : Creditor/Furnisher : XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Reported Balance : {$3200.00} Status : Charged Off Creditor/Furnisher : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Reported Balance : {$100.00} Status : Charged Off Statement : I am disputing XXXX charged-off accounts currently appearing on my TransUnion credit report. I believe these accounts are being reported inaccurately or without proper verification. I request that TransUnion initiate a full reinvestigation into both the XXXX XXXX and XXXX XXXX/ XXXX XXXX  accounts. Please provide documentation from each furnisher showing that these accounts are valid, accurate, and legally attributable to me. If TransUnion or the furnishers can not verify this information, I request that these accounts be promptly removed in compliance with the FCRA.

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 2025-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
On XX/XX/year>, I made a deposit of {$850.00} # with the TD Bank on XXXX. Although they told me the funds would not be available same day I had hoped they would be available on Monday, XX/XX/XXXX. Today, I visited the bank where I opened the account and the funds are not available. 
The last time I made a deposit a representative via the telephone made the funds readily available. And those funds were of a larger amount. I know a manager and/or an authority is able to make the funds available today. Yet the bank has refused my money. I have an emergency with my vehicle, and tomorrow morning I have to prepare for a very important meeting. I need my funds available today. TD Bank does not have the right to hold onto a customer 's funds as if the funds belong to TD Bank. As soon as possible I am removing my account.

Company response to consumer: Closed with explanation