vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
I am writing to notify TransUnion that I am a victim of identity theft and to formally dispute and request the blocking and deletion of the fraudulent accounts listed below from my credit file. These accounts were opened or reported without my knowledge, authorization, or consent, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B. 
Fraudulent Accounts to be Blocked and Deleted : 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 explanation
Consumer complaint received 2025-07-15 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 notify TransUnion that I am a victim of identity theft and to formally dispute and request the blocking and deletion of the fraudulent accounts listed below from my credit file. These accounts were opened or reported without my knowledge, authorization, or consent, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B. 
Fraudulent Accounts to be Blocked and Deleted : 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 non-monetary relief
Consumer complaint received 2025-07-16 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Truist Bank for charging multiple overdraft fees to my account, despite my prior decision to opt out of overdraft protection. 

Specifically, my account has been assessed seven ( 7 ) overdraft fees for transactions that were either debit card purchases or XXXX withdrawals. These transactions were not related to recurring payments, subscription services, checks, or online bill pay. Based on my opt-out status, I was under the clear impression that such transactions would be declined at the point of sale if sufficient funds were unavailable, rather than approved and followed by a fee. 

I have made several good-faith efforts to resolve this matter directly with the bank. 
I was told that they would refund only XXXX of them I spoke to a XXXX who said she was the supervisor from Texas and refused to let me speak to anyone else on XXXX However, they have refused to credit the fees or provide a satisfactory explanation as to why they were able to process and charge for these transactions despite my opt-out. I believe this is a violation of Regulation E, which prohibits financial institutions from charging overdraft fees on ATM and one-time debit card transactions without affirmative consumer consent. 
Several Customer services reps verified that I had infact opted out but gave me excuses why they could still charge me. 

At no point did I knowingly opt in to overdraft coverage for the types of transactions in question. If there are separate categories of coverage, this was never adequately disclosed to me. The banks actions have caused unnecessary financial hardship, and I am seeking your assistance to review this matter and hold the institution accountable. 

I am requesting that the CFPB investigate this complaint and help ensure the bank : Provides a full refund of the overdraft fees in question, and Is required to clarify its disclosures and consent procedures to protect other consumers from similar harm. 

I am happy to provide documentation of the fees, the transactions involved. 
Thank you for your time and support in this matter. 

Sincerely, 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 2025-07-15 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: PA

Complaint narrative:
Submitted a dispute to all credit departments, explain that accounts were satisficed in a XXXX  XXXX Bankruptcy in or around XXXX XXXX None of the credit department responded or removed the XXXX accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing a false late payment reported for XX/XX/year> on my XXXX account ( XXXX # XXXX ). I have always paid this account on time and in full. Only Equifax is reporting the payment history accurately, while TransUnion and Experian are falsely reporting it as late. This is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires all consumer reporting agencies to maintain maximum possible accuracy. I never received any notice of delinquency, and I never missed a payment. This error is damaging my credit, blocking me from getting approved for housing and essential financing. Despite my prior disputes, the inaccurate data remains. I am requesting that the CFPB investigate this matter and ensure the late payment is permanently removed and updated to Paid as Agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I do not recognize these inquiries, and they appear to be unauthorized and potentially fraudulent. I request swift action to investigate and resolve this issue. Please see the attached documents for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Debt Validation Request under the FDCPA Dear CREDIT COLLECTION SERVICES, I, XXXX XXXX, a consumer, am notifying you that I dispute the alleged debt. I do not acknowledge this debt and request that you provide proper validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTH OF THE STATEMENT OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND ME NOTORIZED. 

Please provide the following : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A copy of the original signed agreement or other documentation proving that I am legally obligated to pay ; XXXX. A full account history showing how the alleged debt was calculated. 
XXXX. Evidence that you are legally authorized to collect this debt in my state. 
XXXX. Any judgment, if applicable. 


Until this information is provided, I request that all collection activities cease, including reporting to credit bureaus. If you have reported this debt to any credit reporting agency, please inform them that the debt is in dispute. 

Please respond in writing. If you do not provide verification within XXXX days, or if you continue collection activities without providing the required documentation, you will be in violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am filing this complaint concerning XXXX collections listed by XXXX XXXX XXXX and XXXX XXXX XXXX that appear on my credit report after I received a XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
XXXX XXXX accounts reported on XX/XX/XXXX appear to be duplicate entries. 
All XXXX  accounts ( including XXXX for {$7700.00} from XXXX ) still report balances, in clear violat of FCRA XXXX ( a ) and FDCPA XXXX, as thes debts should have been XXXX and refle a $ XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am filing this complaint concerning XXXX collections listed by XXXX XXXX XXXX and XXXX XXXX XXXX that appear on my credit report after I received a XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
XXXX XXXX accounts reported on XX/XX/XXXX appear to be duplicate entries. 
All XXXX  accounts ( including XXXX for {$7700.00} from XXXX ) still report balances, in clear violat of FCRA XXXX ( a ) and FDCPA XXXX, as thes debts should have been XXXX and refle a $ XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( 15 U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX CARD Date : XX/XX/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 2025-07-15 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: KS

Complaint narrative:
I am filing a complaint against Equifax for unlawfully readding a previously deleted accounts back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), XXXX ( a ) ( XXXX ) ( B ) [ 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ]. The accounts in question are : Creditor Name : XXXX XXXX ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>. Creditor Name : XXXX CARD ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>, Creditor Name : XXXX CARD ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>, Creditor Name : XXXX  ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>, Creditor Name : XXXX BANK ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>. This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA XXXX ( a ) ( XXXX ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within XXXX business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA XXXX ( a ) ( XXXX ) ( B ) moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Experian is illegally reporting a dismissed XXXX XXXX bankruptcy ( Case # XXXX ) on my credit report. The bankruptcy was dismissed on XX/XX/XXXXXXXX XXXX XXXX yet Experian continues to report it as if it has legal weight. Ive disputed this multiple times, and Experian responded that it was unable to process my dispute because the bankruptcy is already dismissed. Thats not verification, thats an admission that the data is unverifiable and should be deleted under 15 U.S.C. 1681i ( a ) ( 5 ). 

I submitted a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) confirming that the court does not verify any information to credit bureaus. XXXX  is not a verification source. XXXX is not a verification source. Yet Experian continues to rely on automated e-OSCAR reinvestigations and third-party aggregators, without ever contacting the court or obtaining a signed document from me. 

This is a textbook sham investigation and a failure of legal duty under : 15 U.S.C. 1681e ( b ) failure to ensure accuracy 15 U.S.C. 1681i ( a ) failure to conduct a proper reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) failure to delete unverifiable information 15 U.S.C. 1681n civil liability for willful noncompliance Rule XXXX misuse of protected bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) failure to correct known errors XXXX XXXX XXXX XXXX b ) deceptive business practices This behavior mirrors past violations seen in cases like XXXX XXXX Experian ( XXXX ) and XXXX XXXX XXXX XXXX XXXX  ) ; Experian is continuing a pattern of negligence and misconduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
When I viewed my credit profile I saw I had some hard inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
I have an active credit freeze on file with TransUnion. Despite this, I received a notification that my credit score dropped XXXX points. I am receiving letters and email notifications from lenders like XXXX, XXXX XXXX, XXXX, and XXXX dealership all indicating inquiries or applications that I did not authorize. 

I contacted TransUnion XXXX  via chat. On XX/XX/XXXX, I spoke with an agent named XXXX who confirmed that my credit was frozen and acknowledged my disputes. However, he failed to explain how inquiries were still being added. When I pressed further, he told me to wait XXXX days and ended the chat. 

I reached out again and was connected to a second agent named XXXX. I explained that my score had dropped again and that inquiries continued to appear despite the freeze. When I asked to escalate to a supervisor, XXXX refused and ended the escalation without allowing me to speak with anyone. He repeated a generic explanation about score fluctuation but ignored the fact that my file should not have been accessed at all. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. CXXXXe XXXX, which prohibits access to frozen credit files without the consumers express consent . I am attaching the full chat transcripts as a PDF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( 15 U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$43000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} INQUIRIES : XXXX XXXXXXXX BANK NA Date : XX/XX/XXXXXXXX XXXX Date : 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