vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
There is a Bank Of America credit card that shows up on my credit report that is not mine. I tried to dispute it with XXXX. The dispute was denied because the creditor " certified '' the information was correct. I was instructed to call Bank of America. I did yesterday and was transferred 4 times, each person unable to find an account associated with me using my social security number, and just do not have an account number because that credit card is not mine and I have no knowledge of it. I am listed as an authorized user and the account was opened in XXXX, of which I only know this from my credit report. The last associate i spoke to at Bank of America said he would forward my issue to a higher up to do further research, and informed me I should reach out here. I have no other way to track down this account, and Im in the process of repairing my credit and I want this account removed from my report as it is not mine.

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 2025-07-23 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: Capio Partners, LLC
State: NC

Complaint narrative:
I am disputing two unauthorized hard inquiries that appeared on my XXXX  credit report from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year> I did not authorize these companies to access my credit. I have never applied for credit, services, or given written or verbal permission to these companies to perform a hard inquiry on my credit file. 

I initiated a formal dispute with XXXX, but they responded stating the information was verified as accurate. However, no evidence of authorization was provided by either company. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and documented consent to access a consumers credit file. I am requesting that the CFPB investigate these inquiries and instruct both companies to remove the unauthorized inquiries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2025-07-23 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: MD

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
Service Loan XXXX in XXXX, TN have harassed me on my personal phone and at work on more than one occasion. It wouldnt matter if I was only 1 day late, they call my job immediately. Now, they call everyday or twice a week to the point my business is out at work. They pretend to be a patient needing to speak with me and today they acted like they were an upset customer. This is harassment, this is violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
It is deeply distressing to see false, incorrect, and inaccurate information being reported under my name on my credit report. I am an honest individual working hard to build a stable life, and these errors are making that nearly impossible. Despite knowing my rights as a consumer, those rights feel ignored as these inaccuracies continue to negatively impact both my credit and my life. 

I am exhausted from living paycheck to paycheck and facing repeated credit denials because of information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am disputing a charged-off Bank of America account XXXX on my XXXX  credit report. The account was opened in XX/XX/XXXX and the last payment was made in XX/XX/XXXX. Under the FCRA, negative accounts are only allowed to remain on my report for 7 years from the date of first delinquency, which would make this account due for removal in XXXX. 

However, XXXX  is inaccurately showing a balance updated date of XX/XX/XXXX, which is not only future-dated, but is misleading and XXXX be causing this account to remain active longer than legally allowed. 

I previously filed a dispute, but XXXX  verified the account without correcting the reporting date issue or acknowledging that the account is too old for continued reporting. I am requesting that this account be 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 2025-07-23 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: FL

Complaint narrative:
I am filing this complaint against Experian for its continued reporting of a late payment associated with a closed account from XXXX XXXX, account number ending in XXXX. This account has long since been paid and closed, with a XXXX balance and zero past due amount, yet Experian continues to display a derogatory mark reflecting a past late payment as if it still bears ongoing negative impact. 

The Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), requires that consumer reporting agencies ensure maximum possible accuracy when reporting any information. Continuing to report a late payment on a paid and closed account that has a XXXX balance and no current delinquency misleads lenders and other third parties reviewing my credit file. It creates the false impression that I remain in poor standing with the creditor, despite the fact that the debt was resolved and the account has long been terminated in good faith. 

Furthermore, I have disputed this with Experian and was provided no proper reinvestigation nor any updated or corrected reporting. Under 15 U.S.C. 1681i, when a consumer challenges the accuracy of information, the credit bureau must conduct a reasonable reinvestigation and either verify with documented evidence or correct the disputed information. Simply parroting back the creditors data without demanding verification or reassessing the context of the account status in this case, that it is fully paid and closed does not meet the standard required by law. 

The residual negative payment history associated with this account has unfairly contributed to a lower credit score, which has interfered with my ability to secure fair interest rates, qualify for financial opportunities, and move forward in rebuilding my financial life. It is deeply frustrating that even after I fulfilled my obligations and paid off the account, Experian continues to penalize me by preserving irrelevant and outdated negative data.

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 2025-07-23 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX  - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 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: FL

Complaint narrative:
I am submitting this complaint regarding suspicious credit inquiries that were placed on my credit file without my permission. I disputed the inquiries directly with Transunion and asked them to validate each one with appropriate documentation. However, I never received a response or any evidence proving that these credit pulls were legitimate. 
XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year> The names and dates of the inquiries are listed in the attached dispute letter as well. I did not authorize these entities to access my credit report, and without proof of consent or a permissible purpose under the Fair Credit Reporting Act, these inquiries should have been removed. The credit bureaus lack of action has forced me to seek CFPB intervention for proper enforcement and compliance.

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 2025-07-23 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: OH

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract? 
3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Please verify these accounts. If you are not able to verify these accounts belong to me, please delete from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file a suit against you for any future violations of this 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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I checked my credit report and noticed a derogatory. I investigated the issue. I contacted the company and the gentleman I spoke with stated he had no information he could provide about the debt. I explained that I never received notice via mail nor email. Never even got a call. They just put this on my report without even taking in consideration my consumer rights and providing debt validation. I have no knowledge of this company nor have I done any business transactions with the company. They are claiming to be the original creditor. This is false information. I am demanding they remove themself off my report until further investigation is completed. This is damaging my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 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: LA

Complaint narrative:
I had a student loan from 2013 with XXXX XXXX. It eventually was sold to XXXX without my knowledge. I began getting emails and created an account to start paying it back once i realized it was not spam email and affecting my credit. 

I caught up on all payments, and I have over paid the minimum due. Yet it is consistenly negativally effecting my credit score. No matter how much I pay, the balance goes up. And it seems as though every time I log in, thereis a different ammount owed. 

This is ruining my credit and life. It seems like they do not have an accurate record of what is owed. 
It is effecting my credit dropping it XXXX points at a time, for an " {$8.00} loan increase '' when i have paid hundreds on it. 
This makes NO SENSE.

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 2025-07-23 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: LA

Complaint narrative:
I had a student loan from 2013 with XXXX XXXX. It eventually was sold to XXXX without my knowledge. I began getting emails and created an account to start paying it back once i realized it was not spam email and affecting my credit. 

I caught up on all payments, and I have over paid the minimum due. Yet it is consistenly negativally effecting my credit score. No matter how much I pay, the balance goes up. And it seems as though every time I log in, thereis a different ammount owed. 

This is ruining my credit and life. It seems like they do not have an accurate record of what is owed. 
It is effecting my credit dropping it XXXX points at a time, for an " {$8.00} loan increase '' when i have paid hundreds on it. 
This makes NO SENSE.

Company response to consumer: Closed with explanation