vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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 submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-10-29 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: GA

Complaint narrative:
Hi I am a victim of identity theft through TransUnion data Breach and also the XXXX  data breach the following inquiries are a result of that. The following inquiries listed below are on my transunion credit report and were applied for fraudulently without my consent. 

TransUnion Fraudulent Inquirys XXXX XXXX XX/XX/year> XXXXXXXX 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 2025-10-29 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: SC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-29 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:
The reported item is an error and negatively affects the accuracy of my financial profile. Please correct it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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 filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding several inaccurate and unverifiable items currently being reported on my credit file. These errors are damaging my creditworthiness and reflect a clear violation of my rights under federal law, which requires that all information on consumer credit reports be accurate, verifiable, and reported only with permissible purpose.

Inaccurate Personal Information The following addresses are being reported on my credit file, but I have never resided at or been associated with these locations : XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Address XXXX XXXX XXXX, XXXX, SC XXXX Incorrect Address These addresses are inaccurate and unrelated to my identity. I request their immediate deletion from all of my credit reports.

Inaccurate Account Information The following account is being reported incorrectly : XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Status : Charge Off This account is being reported as a charge-off ; however, I dispute its accuracy and validity. Under FCRA 1681i, you are legally obligated to conduct a full reinvestigation of this account. If the furnisher can not fully verify the account with proper documentation, it must be removed immediately from my credit report.

Unauthorized Hard Inquiries The following hard inquiries appear on my credit report, and I do not recall granting authorization or written consent for these entities to access my credit file : XXXX XXXX XX/XX/XXXX Global Lending Services XX/XX/XXXX Under FCRA 604 ( a ) ( 2 ), a company must have a permissible purpose before obtaining a consumers credit report. These inquiries appear to be unauthorized, and I request they be deleted immediately unless full proof of authorization is provided.

Requested Action I am requesting that your office : Conduct a complete reinvestigation of the above-listed items. 

Delete any and all inaccurate, unverifiable, or unauthorized information. 

Provide me with a written confirmation of the results of your investigation and updated copies of my credit reports once corrections are made. 

If these items are not corrected or verified with full documentation within the statutory period ( 30 days ), I will escalate this complaint further to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities for enforcement action. 

Thank you for your prompt attention to this matter. I expect your compliance with the FCRA and a written response confirming resolution.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I had a guaranteed offer through credit karma for a credit card approval and credit karma offered a guaranteed amount of XXXXXXXX XXXX if I didnt get approved. I did application for two credit cards with XXXX  XXXX and ended up getting two hard inquiries from XXXX  XXXX XXXX and no approval or denial, instead it says they need more information. When I call credit one they say there is no application matching my information. This is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: ID

Complaint narrative:
I am a victim of identity theft, the reporting agency refuses to remove accounts or show cause for how they claim to verified the debt

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 2025-10-29 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: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. 
Account Name XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Amount {$1600.00} Date XX/XX/2024 This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
At XXXXXXXX XXXX XXXXXX/XX/XXXX, I was appalled to find that I owed an additional {$27.00} to my Citibank checking account after I had already transferred from my savings to checking on XX/XX/XXXX, an overdrawn fee of {$34.00}, which I paid in full, with an additional {$21.00}, leaving the balance in the positive ( at XXXXXXXX XXXX  and XXXX XXXX  respectively. ) I reached out to the bank regarding this overdraft to get it waived/put back in the positive. 

I spoke to XXXX. XXXX informed me, on a thirty-minute and forty-six-second call, that the {$27.00} amount I owed was an additional charge posted on the XXXX, that was separate from the XXXX posting I got, totaling me to over XXXX dollars overdraft, that I clarified that I had already paid, from a transfer that went to my Checking on the date posted in my pending ( Transfered from my savings, to my checking, at XXXX XXXX  and XXXX XXXX, respectively ). I asked again that they fix the negative balance that I had already paid for, and they refused to, saying that they " Can't waive it. '' With that, I asked for an itemized transaction of all my pending balances, which they provided. Upon investigation, the only balance owed was {$28.00}, which I had already paid on the XXXX, and I paid an additional {$21.00}, as well as made the initial transfer on the XXXX. 

I spoke to XXXX on a forty-minute call, during which he explained that the posted balance and the pending charges were separate, and that there was nothing they could do. I explained again, I have the reference numbers for, that the amounts for those transactions were taken, and that the bank took the payment -- to which I was explained that the transactions were being held because the merchant decided to process the payment later. I asked where the bank took the money for those payments that they are now charging me for that were left in my checking account, for which they couldn't explain. After multiple holds, I was sent to XXXX on a one-hour and 34-minute call, where he dismissed my concerns and tried to explain that I still owed the bank. I explained the transactions from my savings to my checking, and offered the reference numbers, in which he explained he saw the transactions, and that they " didn't matter. '' I then recorded the call, in which they simply dismissed me and said that they couldn't do anything and that I needed to go to my branch. Citibank needs to be investigated on where my funds went.

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 2025-10-29 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:
I am submitting this formal complaint against multiple credit furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my consumer credit reports. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported must be accurate, complete, and verifiable.

I have identified several serious inaccuracies currently appearing on my credit reports : Incorrect Personal Information ( Wrong Addresses ) : XXXX XXXX XXXXXXXX, SC XXXX Incorrect Address XXXX XXXX XXXXXXXX, SC XXXX Incorrect Address Inaccurate and Unverified Account Information : XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Reported as Charge Off XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Reported as Charge Off XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized Hard Inquiry These entries are inaccurate, outdated, or unverifiable and are damaging my credit reputation. I have not received proper validation or documentation proving the accuracy or legitimacy of these accounts and addresses. Reporting unverifiable or incorrect data constitutes a violation of FCRA 602 ( A ), 607 ( B ), and 611, which require that all information furnished to consumer reporting agencies be complete, current, and verifiable. 

I am requesting that the CFPB initiate a full investigation into the conduct of the data furnishers and credit reporting agencies responsible for these inaccuracies. Specifically, I demand : Removal of all wrong addresses listed above. 

Deletion or correction of all unverified and inaccurate accounts. 

Investigation into the unauthorized inquiry reported by XXXX XXXX. 

These errors have caused significant harm to my creditworthiness and have impeded my ability to obtain fair credit opportunities. I am attaching documentation supporting my claim, including my identification and recent credit reports highlighting the disputed entries. 

Thank you for your prompt attention to this matter. I request confirmation once this complaint is under review.

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 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In XX/XX/XXXX, my account ( Account # XXXX ) was paid in full to a {$0.00} balance. 

In XX/XX/XXXX, an unauthorized charge for XXXX XXXX appeared on a statement under Account # XXXX I disputed this charge immediately, XX/XX/XXXX. Your investigation confirmed my dispute and reversed the charge from my XX/XX/XXXX statement under Account # XXXX. 

However, the same charge was re-added in XX/XX/XXXX under account ending in Account # XXXX, and the account has since been reported to the credit bureaus as past due.

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 2025-10-29 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:
I am writing under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), to dispute inaccurate and incomplete information appearing on my credit report. 
My IdentityIQ report dated XX/XX/XXXX lists the above XXXX XXXX account as Charged off as bad debt purchased by another lender. This reporting is inaccurate and incomplete for the following reasons : 1. Balance inconsistency : The account shows a {$0.00} balance but remains marked Charge-Off and Purchased by another lender. A charge-off with a XXXX balance and no active owner is factually incomplete. 
2. Ownership confusion : No successor lender is identified. Under 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information known to be inaccurate or without proper verification of ownership.

3. Obsolescence and verification : The last activity was reported XX/XX/XXXX ; any re-aging or status updates beyond the true date of first delinquency violate 1681c ( a ) ( 4 ) and 1681s-2 ( b ).

Accordingly, please conduct a reasonable reinvestigation as required by 1681i ( a ) and either : Delete this tradeline from my report if it can not be fully verified as accurate and complete, or Provide written verification including the furnishers name, address, and telephone number as required by 1681i ( a ) ( 6 ) ( B ) ( iii ), plus a full description of the reinvestigation procedure per 1681i ( 7 ).

Enclosed are copies of my photo ID and proof of current address to confirm identity.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I changed email addresses, therefore my previous complaints are listed under XXXX. I have reached out to all of the credit bureaus requesting that the information that they used to verify information concerning me, XXXX XXXX XXXX, XXXX aka XXXX XXXX XXXX be verified and that I did not and do not have any open XXXX, on my credit report, see Consumer Report XXXX. XXXX  responded by removing only two ( 2 ) of the Seven ( 7 ) XXXX on my credit profile. Leaving 5. All of the other bureaus have removed them, and there is adverse information still showing on my report. Therefore, I am filing this new complaint against Experian, XXXX and XXXX for violations of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 C-2 AND 1681i ( a ). Despite multiple disputes, the credit reporting agencies continue to report fraudulent and inaccurate information, including false XXXX, unauthorized inquiries, and accounts with late or charged-off statuses that are not mine.

And to further bolster my claims the Fair Credit Reporting Act 1681 C-2 and 1681e ( b ) in connection with the proven data security failures of the credit bureaus has proven them to be inaccurate and untrustworthy.

On July 28, 2025, XXXX publicly confirmed a cyber-incident affecting over 4.4 million consumers, compromising sensitive information such as Social Security numbers and dates of birth. Likewise XXXX XXXX XXXX  breach affected more then 147 million consumers, exposing similar categories of personal data. 

These breaches clearly establish a failure to maintain reasonable procedures to protect consumer data as required under 15 U.S.C. 1681 E ( a ) - ( b ). Because the agencies have failed to secure consumer information, it is unreasonable to continue reporting or retaining disputed or negative data that may have been the result of identity theft or unauthorized access.

Therefore in the fair interest of justice and in accordance with federal law, I demand the permanent deletion of all disputed and negative information on my credit file, including but not limited to the XXXX XXXX XXXX that XXXX has been refusing to remove. They removed 2 but left 5. The Unauthorized inquires, the late payments notations and the charged off accounts. 

There continued failure to comply will result in a formal civil action for violations of the FCRA and related federal privacy protections I am requesting CFPB intervention to enforce compliance and require permanent deletion of these items.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 non-monetary relief