vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-11 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 filing this dispute because there are inaccuracies on my credit report. Below are the accounts I am disputing with TransUnion : Charged Off Accounts : XXXX XXXX XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$300.00} XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$8100.00} XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$2000.00} XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$200.00} XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$1600.00} XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$290.00} XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX, Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 non-monetary relief
Consumer complaint received 2025-11-11 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe to be inaccurate and/or incomplete, in violation of the Fair Credit Reporting Act ( FCRA ). I have identified the following discrepancies and respectfully request that they be corrected in accordance with FCRA requirements. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$560.00} Discrepancy : I dispute the accuracy of the reported balance and request that this account be investigated for possible errors in reporting or handling. 

Inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> Discrepancy : I dispute the accuracy of this inquiry, as it appears to be an unauthorized or unverified inquiry not tied to a credit application initiated by me. 

Late Payments : XXXX XXXX XXXX  Account Number : XXXX Discrepancy : I believe the reported late payment history is incorrect, and request a review of the account to ensure accuracy in the payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I previously lived at XXXX XXXX XXXX located at XXXX XXXX XXXX. I was wrongfully evicted after losing my job in XX/XX/year>. I informed management that I had secured new employment that would begin in XX/XX/year>, and I also received rent relief assistance to cover XXXX rent. 

However, I still owed rent for XX/XX/year>, which I was in the process of paying. Despite this, management took me to court for the XXXX rent ( which had already been covered by rent relief ) and refused to accept my XXXX payment that would have brought my account current. Instead, I was instructed to vacate the property by XX/XX/XXXX. 

As a result, I now have an eviction and a collection account on my credit report, which has made it very difficult for me to rent another apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 youhave 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 XXXX  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.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX XXXX XXXX, through its authorized representative XXXX XXXX, on behalf of XXXX XXXX XXXX, against FNB OMAHA for violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXX XXXX notified FNB OMAHA that he is a victim of identity theft and that a fraudulent credit account had been opened in his name without authorization. His submission included all required documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including his government-issued identification, proof of address, and an FTC Identity Theft Report. Despite receiving a complete and valid identity theft notice, FNB OMAHA has failed to block or delete the fraudulent account, has not issued written confirmation of such action, and continues to furnish inaccurate and harmful information to consumer reporting agencies.

These failures constitute clear violations of FCRA 605B and 623 ( a ) ( 6 ) and demonstrate a willful disregard for the consumers federal rights. As a result, XXXX XXXX continues to suffer ongoing credit harm, reputational damage, and emotional distress. Supporting evidence includes the original FCRA identity theft letter, FTC Identity Theft Report, and the signed authorization agreement dated XX/XX/year>, granting XXXX XXXX XXXX, XXXX authority to act on XXXX XXXX behalf. 

We request that the Consumer Financial Protection Bureau compel FNB OMAHA to immediately and permanently delete the fraudulent account, provide written confirmation of its removal, notify all credit reporting agencies to delete any related tradelines, and investigate the companys noncompliance with FCRA obligations. FNB OMAHA s inaction reflects a systemic disregard for consumer protection laws and requires prompt regulatory enforcement. FNB OMAHA XXXX

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

Complaint narrative:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
I have no involvement with these accounts and require their removal in 15 days 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 2025-11-11 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: NM

Complaint narrative:
I am contacting you regarding several inaccuracies in my Experian credit report, which I received on XX/XX/year>. Upon review, I have identified the following items that I believe require correction : 1. Delinquent Accounts : Account number : XXXX XXXX XXXX o I noticed that this account is marked as " delinquent. '' I would like to dispute this information and request that you review the account for accuracy. 
XXXX. Derogatory Accounts : Account number : XXXX XXXX XXXX ( XXXX instances ) o The account is listed with a derogatory status, but I believe this information is incorrect. Please investigate and confirm the validity of this entry. 
XXXX. Collection Accounts : Account number : XXXX XXXX XXXX  o This account is being reported by XXXX XXXX XXXX. I request that you verify the validity of this debt and remove it if no supporting documentation is provided. 
XXXX. High Credit Utilization : Account number : XXXX XXXX XXXXXXXX XXXX  The report shows that I am using 102 % of my credit limit. This is a temporary situation, and I request that you update the utilization rate to reflect recent payments.

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 2025-11-11 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: NJ

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 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a Home Depot credit card and on XXXXXXXX XXXX  I spent {$400.00} It was promotional to pay only the minimum without any interest. I made payment of {$100.00} on XXXX XXXX and paid off {$300.00} on XX/XX/year> XXXX continued to asking for late fees payments. I already paid in full and closed the account but they continued to send me bill every month

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 2025-11-11 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: MS

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 2025-11-11 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:
I am writing to dispute certain items on my credit report that I believe to be inaccurate and/or incomplete, in violation of the Fair Credit Reporting Act ( FCRA ). I have identified the following discrepancies and respectfully request that they be corrected in accordance with FCRA requirements. 

Charged Off Accounts : No Disputed Accounts in This Category Discrepancy : There are no reported charged-off accounts under my TransUnion credit report. Please confirm no errors in the reporting of this category. 

Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Discrepancy : This inquiry appears to be unauthorized or unverifiable. It should be removed from my credit report. 

XXXX  Date of Inquiry : XX/XX/XXXX Discrepancy : I dispute the accuracy of this inquiry and request verification that it was properly authorized. 

Late Payments : No Disputed Late Payments in This Category Discrepancy : There are no late payments reported under TransUnion. Please confirm that there are no issues with the reporting of my payment history.

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 2025-11-11 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was being charged overdraft fees when overdraft protection was set-up on my checking account. I do not specific dates, it happened more than it should have between 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 2025-11-11 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: CO

Complaint narrative:
I am writing to formally dispute several items on my credit report with the XXXX major credit bureaus XXXX XXXX XXXX, and TransUnion ). Below is a breakdown of the disputed items that I believe are incorrect, incomplete, or inaccurately reported : Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Total Card, Inc.
State: TX

Complaint narrative:
I need this company to report to the credit bureaus

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
I have tried to contact Nissan multiple times. I have already made payment request to end of loan and arrangements. They continue to harass me two times a day with phone calls. 

This company has harassed me since XXXX and even before this in 2025. 

XX/XX/scrub> 2025 to current

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

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