vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am writing to dispute the presence of a hard inquiry reflected in my credit file. I did not authorize this action, nor did I submit any application that would justify such an entry. It is inaccurate and should not remain on my record.

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 2025-09-03 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 a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> - Balance {$16000.00}

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 2025-09-03 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: TX

Complaint narrative:
The reported late payment on my account is inaccurate. I have reviewed my records carefully and confirmed that my payments have always been made on time. This false entry must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00}

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I have purchased some products online and had returned them because I dont want them. They were missing parts in the wrong size. I was issued a refund by the company last Friday. It didnt show up on Saturday when they were open Saturday morning. Didnt show up Sunday didnt show up Monday. It didnt show up Tuesday. I was told maybe have to wait till Wednesday and that it should be there tomorrow. My question is why doesnt it show up automatically as a pending transaction because withdrawals show up as pending transactions even if they sit there for days so Im curious as to why theyre holding my refund and not posting it back to my bank account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation.

Account Details in Dispute : 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 2025-09-03 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-03 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a Capital One credit card account that displays inaccurate late payment entries. These entries have been present on my credit report for an extended period, and I request their removal. This action is necessary to prevent these errors from negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

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 explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My bankruptcy was dismissed and it shows up as duplicate its showing two chapter 13 bankruptcys on my report Ive requested them to be removed but havent heard back its going on two years Ive been trying to get this fixed Ive sent out numerous of letters and disputes about this and still nothing. I just want the error 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 non-monetary relief
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a dispute regarding a fraudulent account in my credit record. I deny any connection, authorization, or responsibility for this account. Its reporting is incorrect and must be rectified without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
Complaint Narrative : I am filing this complaint because Equifax, XXXX XXXX XXXX are reporting false, contradictory, and damaging information regarding an account listed as XXXX XXXX. 

Account details : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XXXX XXXX XXXX XXXX Reported Balances : {$0.00} Reported High Balance : ranges from {$2000.00} to {$3400.00} depending on bureau Status : Reported as Collection/Chargeoff Issues : Contradictory account type reported as Revolving by Equifax and XXXX  but as Installment by XXXX 

Conflicting high balance amounts {$2000.00} vs {$3400.00}. 

Inconsistent activity dates last activity reported differently across all three bureaus. 

False derogatory notations showing late payments and charge-offs even after the account was closed and settled. 

Obsolete reporting derogatory marks are being extended beyond permissible reporting periods, in violation of the FCRA. 

These inconsistencies prove that the information being reported is inaccurate, unverifiable, and misleading. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Consumer reports must ensure maximum possible accuracy.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists to continue reporting derogatory, contradictory data. 

605 ( 15 U.S.C. 1681c ) Prohibits obsolete and inaccurate adverse information.

607 ( 15 U.S.C. 1681e ) Requires credit bureaus to implement procedures to ensure accuracy.

609 ( 15 U.S.C. 1681g ) I am entitled to proof of this account ; none has been provided.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within 30 days. 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting data they know or should know is inaccurate.

FDCPA ( Fair Debt Collection Practices Act ) : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading credit reporting.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices in credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Email : XXXX Date : XX/XX/XXXX Subject : XXXX XXXX TransUnion and Experian Failure to Resolve Unverified and XXXX XXXX XXXX XXXX XXXX filing this complaint against TransUnion and Experian for their repeated failure to remove, correct, or lawfully verify inaccurate and unverifiable information that I have disputed five times since XX/XX/XXXX. My most recent dispute was submitted on XX/XX/XXXX. Despite my repeated efforts, the bureaus continue to report unverified negative items and unauthorized inquiries in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts Still Unresolved XXXX XXXX XXXXXXXX Account No. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ID : XXXXXXXX XXXX XXXX XXXX XXXX, Balance : {$190.00} EdFinancial Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account XXXX. XXXX * * * *, Date Opened : XX/XX/XXXX Inquiries Still Unverified or Unjustified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations by TransUnion and Experian Failure to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) Failure to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) The bureaus have failed to provide : The method and procedures used in verifying these items The names and contact information of the furnishers involved Any supporting documentation used to justify continued 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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen out of my car. I canceled all my debit cards and credit cards and got a new drivers license. I contacted the credit bureau to let them know my Social Security card and identification was stolen. I have since received emails about checks being cashed in my name. The most recent was for {$78.00}. I contacted the company. Which is called INGO.. I told them that it wasnt me trying to cash the check and they canceled it. I received an email XXXX days later from another company. I dont really know what to do at this point to stop them from trying to write checks in my name. But I truly need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights 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 explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
An unauthorized hard inquiry has appeared on my credit report. I did not give consent for this action, nor did I seek new credit that would validate it.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Email : XXXX Date : XX/XX/XXXX Subject : XXXX XXXX TransUnion and Experian Failure to Resolve Unverified and XXXX XXXX XXXX XXXX XXXX filing this complaint against TransUnion and Experian for their repeated failure to remove, correct, or lawfully verify inaccurate and unverifiable information that I have disputed five times since XX/XX/XXXX. My most recent dispute was submitted on XX/XX/XXXX. Despite my repeated efforts, the bureaus continue to report unverified negative items and unauthorized inquiries in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts Still Unresolved XXXX XXXX XXXXXXXX Account No. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ID : XXXXXXXX XXXX XXXX XXXX XXXX, Balance : {$190.00} EdFinancial Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account XXXX. XXXX * * * *, Date Opened : XX/XX/XXXX Inquiries Still Unverified or Unjustified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations by TransUnion and Experian Failure to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) Failure to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) The bureaus have failed to provide : The method and procedures used in verifying these items The names and contact information of the furnishers involved Any supporting documentation used to justify continued 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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the XXXX  entry currently listed on my credit file. I have never filed for XXXX, and this entry is a serious reporting error.

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 2025-09-03 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:
These wrongly attributed accounts must be removed within 15 days, as outlined in USC 1681g.

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 2025-09-03 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: FL

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 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 2025-09-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation