vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX is reporting collection account # XXXX but has not provided documentation validating this debt. 

This is inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I disputed inaccurate late payments and incorrect payment history on my Experian credit report for my XXXX XXXX and XXXX accounts . I submitted multiple disputes, and each time Experian responded with previously verified or verified and updated, but they did not actually reinvestigate the accounts.

I requested the verification documents and method of verification that Experian is required to provide under FCRA 611, but Experian did not provide any documentation. They did not show any proof from the furnishers and did not explain how the information was verified.

Experian is reporting invalid and inconsistent dates in the payment history, including duplicate and incorrect delinquency entries. These dates are clearly inaccurate and do not match the furnishers records. 

XXXX  has already corrected these same accounts and removed the inaccurate late payments, but Experian continues reporting incorrect information even though both agencies received the same evidence.

Experian is violating the FCRA by failing to conduct a reasonable reinvestigation, failing to provide verification documents, failing to ensure maximum possible accuracy, and continuing to report information that is inaccurate and unverified. I am requesting CFPB assistance to require Experian to correct the inaccurate payment history and remove all unverifiable 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 2025-12-09 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain items on my credit report, as listed below. I have found inaccuracies and request that these items be corrected or removed. Below, I have outlined the disputed items, separated by bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX XXXXccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} Late Payments : XXXX XXXX XXXX, Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NV

Complaint narrative:
In XX/XX/year>, I submitted an identity theft block request to the credit reporting company through their online dispute system. I provided a police report, an FTC Identity Theft Report, proof of identity, proof of address, and a written list of fraudulent accounts, collections, and hard inquiries.

Despite receiving all required documents, the company failed to block any of the fraudulent information within four business days as required under FCRA Section 605B. The following accounts and collections were not opened or authorized by me and remain on my credit file : Fraudulent credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I followed all legal requirements for an identity theft block, but the credit reporting company did not remove or block any of the fraudulent items. This has caused inaccurate negative reporting and significant credit harm. I am requesting CFPB assistance to require full blocking and removal of the fraudulent information in accordance with 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 2025-12-09 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:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ).

Personal / Previous Address Discrepancies : Please remove or update outdated addresses : XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXX XXXX XXXX TN XXXX Charged-Off Accounts in Dispute : The following accounts are disputed due to potential inaccuracy, outdated information, or duplicate listings 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 XX/XX/year> Please verify the legitimacy of this inquiry. If it can not be verified as authorized, I request its removal.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NV

Complaint narrative:
my loan was sold and charged off and I got no information on it or anything yet they keep emailing me to pay them and it is very illegal to sell my loan then keep asking for money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi cards/Citibank opened a account with unknowns person using my name and information on XXXX XXXX with a # XXXX credit line. Then increase the amount of $ XXXX XXXX of XXXX. 
Citi Card/CitiBank opened account with unknown 's person partial account number of # 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 2025-12-09 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-09 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: TN

Complaint narrative:
I disputed a credit card account and XXXX unauthorized business inquiries that are being reported on my consumer credit report. The credit bureau responded that the creditor certified the account information as accurate, but they did not provide any explanation of how they verified it or what documents were used. Under the Fair Credit Reporting Act, a consumer has the right to receive a description of the verification procedure and copies of the documentation relied upon, but this information was not provided to me even though I specifically requested it. 
In my dispute, I asked the bureau to show how the account was verified and to provide the documentation, including any signed agreement. They did not provide any proof or documents, and the disputed account remains on my credit report. 
Additionally, XXXX business credit inquiries are appearing on my consumer credit report. These inquiries were not authorized, and no written consent was given for my consumer credit file to be accessed for business purposes. I requested that these inquiries be removed unless the bureau could provide proof of authorization, but they remain on my report with no explanation or evidence provided. 
The credit bureau continues reporting these items even though they have not verified them with proper documentation. I am requesting CFPB assistance to ensure the company follows the FCRA by either providing the

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
On XX/XX/year> I followed a sub thread on XXXX that seemed credible to purchase XXXX XXXX hockey tickets from a user I had not previously known. The conversation seemed normal, the seller asked to use XXXX  for payment. Skeptical I asked to send a partial payment of {$100.00} via XXXX  to them in exchange for the tickets then would send the rest of the money later on. The seller agreed. I sent {$100.00} via XXXX  and did not receive the tickets. I asked for my money back to no avail. The seller was a scammer and had no intention of providing me the goods I wanted to purchase. 

When I asked my bank if they would reimburse my they informed me that XXXX transfers are cash in the eyes of the institution so there could be no refund issued. I appealed the decision twice to no avail and am not receiving funds returned to my account. Unfortunately I had not known funds transferred via XXXX  were " as cash '' and therefore there are no protections if one were to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Under FCRA and FTC USC 15 1681 ( b ), 1682, 1683, 1684, 1028g and violations of my rights there should be XXXX address under my name which is XXXX XXXX XXXX XXXX XXXX, OH XXXX Where I currently live which is a mailable address. The addresses listed below must be removed under FCRA within 7 days of receipt as these addresses are fraudulent and non-mailable. Remove these addresses listed below by LAW!

AND BY LAW BECASUE GAS BILL AND ELECTRIC BILL IS ATTACHED WHICH SHOWS MY ADDRESS I HAVE LIVED AT THESE ADDRESSES MUST BE REMOVED IMMEDIATELY. IT IS IN A GRAVE VIOLATION OF FCRA AND A LAWSUIT WILL BE INITIATED IF THESE ADDRESSES BELOW ARE NOT REMOVED!! 

XXXX XXXX XXXX XXXX, OH XXXX Sincerely, 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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One reissued my debit card from XXXX to XXXX. 

Now I cant use it at my preferred vendors at all, because they dont take XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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