vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Charged-Off Accounts XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$4200.00} XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$11000.00} XXXXXXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$36000.00} I dispute the accuracy and completeness of these charged-off accounts. Please verify all information directly with the original creditors. Remove or correct any account that can not be verified. 

Late Payments XXXX XXXX Acct # : XXXX I dispute this reported late payment. Verify with the creditor and remove it if unverified. 

Inquiries None currently disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made all payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I received a text message from CBE Group on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, regarding payment options for Charter Communications. I thought they were scam text messages. I looked up both companies on the internet to see who they were. Apparently, Charter Communications owns XXXX XXXX. I had XXXX XXXX in XXXX. I canceled my service in XXXX, paid my bill and returned the equipment. I went with XXXX XXXX XXXX XXXX for a better deal. The Only thing I have heard from XXXX XXXX in the past two years is Repeated offers to come back and offers of great deals sent via email and mail both! Never did they contact me in the last two years by phone, mail, or email to say I owed them money or provided any written documentation. So, two years later they turn me in to a collection agency? All three companies should be investigated for bad and deceptive business practices. I am definitely disputing that I owe any amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I had a dispute with capital one that the amount of aprox {$100.00} due was an error. As previous to informing me that I owed the {$100.00} for my up coming monthly payment We had actually entered into a payment plan & agreement that Id make XXXX payments of {$65.00} to resolve all payment issues, witch I did just that. Paying {$65.00} for XX/XX/year> and then {$65.00} for XX/XX/year>. After doing this however I was then notified that my payment was late in XX/XX/year>. So I called in to check with capitial one via there customer support #. At this point I had infomed them several times over mulitple calls back. That I was on a plan and it was agreed that I had payed the amount they had request to be payed already. And that I even had electronic records that capitial one indeed entered me into a plan and we had an agreement that Id pay them the amount mentioned above to resolve the amount owed to capital one. However they continued to argue and deny that I was ever in a plan and was expected to pay the aprox {$100.00} due and that I had not payed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MN

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MA

Complaint narrative:
Charged Off Accounts XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$9500.00}. Please verify and provide the correct status for this account. 

XXXX XXXXXXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$53.00}. Please verify and provide the correct status for this account. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$9100.00}. Please verify and provide the correct status for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: SC

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 2025-10-31 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: TN

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: SC

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported on my credit file by the following credit bureaus. I request an investigation into the following discrepancies : Charged-Off Accounts XXXX XXXX  XXXX Account Number XXXX XXXXXXXX Date of Last Activity : XX/XX/XXXX Balance : {$0.00} Dispute : Review and verify the accuracy of this charge-off status. 

XXXX  Account Number XXXX XXXXXXXX Date of Last Activity XXXX XXXXXX/XX/XXXX Balance : {$4300.00} Dispute : Investigate the accuracy of the charge-off status and balance. 

XXXX XXXX Account Number XXXX XXXXXXXX Date of Last Activity XXXX XXXXXX/XX/XXXX Balance : {$270000.00} Dispute : Please confirm the accuracy of the charge-off status and reporting for this account. 

Inquiries XXXX XXXX XXXX  Date of Inquiry XXXX XXXXXX/XX/XXXX Dispute : Please verify the accuracy and legitimacy of this inquiry. 

XXXXXXXX XXXX Date of Inquiry XXXX XXXXXX/XX/XXXX Dispute : Investigate the validity of this inquiry and confirm its proper 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these entries be reviewed, and if they can not be confirmed as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$0.00} I dispute the accuracy and completeness of these charged-off accounts. Please verify directly with the creditors and remove any unverifiable information. 

Inquiries XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX I dispute these inquiries. Verify the authorization and purpose. Remove any inquiry that can not be verified. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute these late payments. Verify with the creditor and remove any unverifiable entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a XXXX XXXX XXXX from Capital One that has been closed several weeks ago where I had an overpaid balance that was due back to me via a refund. Capital One promised me a refund check that they said was mailed on XX/XX/XXXX and would take a maximum of 10-15 days to receive. It's now XX/XX/XXXX and I haven't received the check, after 18 days. I contacted Capital One and spoke to both, an agent and a supervisor who both were extremely unfriendly and seemed " bothered '' by my issue of the refund not having been received. Upon my request to have them expedite/overnight a check for the funds due back to me or issue a credit against the balance of another " active '' business credit card I hold with them, I was told multiple times that's not their policy and they can't accomodate such requests. This is a fraudulent way of doing business. These credit card companies take consumer 's money but when it comes to reimbursing us, they won't accomodate a reasonable request. Furthermore, they lack the customer service skills and clearly don't place any value on servicing the consumer. I request a complaint logged against Capital One for such practices and lack of any reasonable accomodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Nav Technologies, Inc.
State: VA

Complaint narrative:
I signed up for XXXX XXXX XXXX XXXX. I did their {$49.00} XXXX membership. They opened a bank account without my consent. I brought it to their attention and they not only refused to close the bank account, they refused to close my other account for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fair and accurate credit report. I am requesting that these entries be reviewed, and if they can not be verified as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
I am filing this complaint to dispute an unauthorized hard inquiry that appears on my Equifax credit report. The inquiry from XXXX dated XX/XX/year> was not authorized by me. I did not give permission, request credit, apply for financing, or consent to any transaction with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), a credit report may only be accessed with the consumers written authorization or for a permissible purpose initiated by the consumer. This inquiry does not meet that requirement.

This unauthorized inquiry is negatively impacting my credit score and financial wellbeing. Even though the FTC website is currently unavailable, my dispute must still be handled in compliance with the FCRA. I am requesting the immediate removal of this unauthorized inquiry from my credit report. If this inquiry is not removed, the harm to my creditworthiness will continue, and this will constitute a violation of my rights under the FCRA. I expect this matter to be resolved within the required 30-day investigation period. Once the inquiry has been removed, please provide written confirmation. If this issue is not properly resolved, I will escalate further and pursue legal remedies under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: WI

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me and that I did not profit from these accounts having been opened. The below listed accounts by the original creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Likewise these COLLECTIONS ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debt. The below listed PUBLIC RECORD that is being reported within my credit report is inaccurate account information Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence ZIONS DEBT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation