vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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 submitting this complaint because several credit reporting items appearing on my credit reports contain inaccurate or unverifiable information. I have attempted to resolve these issues directly with the credit bureaus, but the accounts continue to be reported inaccurately. Below is a detailed list of the disputed accounts and inquiries for each bureau. 

Accounts in Dispute : XXXX XXXX Account No : XXXX Date Opened/Reported : XX/XX/XXXX Balance : {$2600.00} Dispute : This account is reported as charged off. I dispute the accuracy of both the charge-off status and the balance. Please verify with the furnisher or remove if unverifiable. 

XXXX XXXX Account No : XXXX Date Opened/Reported : XX/XX/XXXX Balance : {$1200.00} Dispute : I do not have any record or recollection of this debt. Please provide validation from the original creditor. If it can not be verified, remove this account immediately. 

XXXX XXXX. 
Account No : XXXX Date Opened/Reported : XX/XX/XXXX Balance : {$0.00} Dispute : This account is being reported with a XXXX balance but still marked as charged off. Please verify accuracy or delete this account. 

Inquiries in Dispute : XXXX XXXX XXXX, Date : XX/XX/XXXX Dispute : This inquiry was not authorized by me. Please investigate and remove any unauthorized hard inquiries. 

Late Payments : XXXX XXXX XXXX Account No : XXXX Dispute : I request validation for the late payments reported under this account. If the creditor can not provide records confirming their accuracy, the late payments should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC

Complaint narrative:
Columbia Debt Recovery did not notify me via written communication of a false debt under my identity to XXXX XXXX ( XXXX XXXX  in XXXX  XXXX DC ). They posted the false debt on my credit report on XX/XX/year> claiming that the account was opened on XX/XX/year> without allowing me to dispute the debt. The debt is for {$51000.00}. I have contacted two of the three credit bureaus disputing the account as an identity theft account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am sending my second complaint transunion and equifax i havent heard from them ask usual. please HELP i cant rent or get a job because both account is been closed since XXXX summer XXXX. when equifax had a data breach ever since. I am struggling to get my credit report. to know what is it on my credit. This has hurt me getting jobs and be able get credit and rent. 
Let you know if we need more information to continue I hope this message finds you well. I am reaching out to seek your assistance regarding an ongoing issue I have been facing with obtaining my credit reports from Equifax, and TransUnion. Since XXXX XXXX. the last the i sent copy of my ID was XXXX I have repeatedly requested my yearly free credit checks, but have not received any response despite my efforts. These companies locked my accounts without my permission, and this made it very hard to know my credit and to have access. I have submitted letters and faxes, accompanied by a copy of my ID, to both credit reporting agencies. Unfortunately, my requests seem to have been overlooked, and I have not been able to access my credit information. Additionally, I've recently learned that both agencies have closed my accounts, further complicating the situation. As I am feeling quite exhausted from this process, I would greatly appreciate any guidance or support you can provide to help resolve this matter. Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-11-24 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: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX, XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted XXXX  XXXX on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 am submitting this dispute to request an investigation into the following items that appear to be inaccurate or unauthorized on my TransUnion credit report. 

Charged-Off Accounts Please verify the accuracy of all charged-off accounts currently listed on my report. I request documentation showing the original creditor, balance validation, and date of delinquency. 

Inquiries ( Unauthorized or Questionable ) I do not recall authorizing or applying for credit with the following companies. Please verify permissible purpose : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX If you can not verify these inquiries as authorized, please remove them. 

Late Payment Reporting Please review all self-reported accounts for compliance with FCRA standards, as such accounts may not qualify for reporting or may contain inaccurate payment information.

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
This company is refusing to acknowledge that I paid my {$50.00} advance already from an older bank account that I no longer have access to. They refuse to assist me in resolving this and are trying to get me to pay it back twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AZ

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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
Got a call from Target saying they needed to collect debt from my Target store Card. I do not have a store card. They called me on XX/XX/year> and a couple of different times previously. On XX/XX/year> I reported it and was told they are opening a claim to close the account, and that XXXX be sent some paperwork to fill out in the mail as well. They encouraged me to report to the FTC and/or credit bureau XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
Its dealing with a bankruptcy filing that was in a public court record but this does NOT mean a credit reporting agency automatically has legal permission to harvest, package, and sell it. 

My court file = public. 
My credit file = PRIVATE, protected under Title 15 USC 1681.

The FCRA requires : accuracy relevance permissible purpose confidential handling A CRA pulling data from court records does not bypass my right to privacy. If it can I need the United States Code stating that because they automatically assumed the role to have the social security account number and to be trustee when it comes to my credit file thats suppose to remain private and they are not affiliated with the social security administration office.

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 2025-11-24 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: VA

Complaint narrative:
I am a consumer requesting a reinvestigation of the accounts listed below. These items contain inconsistencies, outdated information, or reporting errors. I am asking for each bureau to verify all data according to the FCRA and XXXX XXXX standards. Any item that can not be fully verified should be corrected or removed. 
Charged-Off Accounts XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} LENDMARK XXXX XX/XX/XXXX {$6700.00} XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Positive Accounts XXXX XXXX XXXX XXXXXXXX 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 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LYON SERVICES CORPORATION
State: LA

Complaint narrative:
Applied for a pool installment loan 11-20.

Got an email request for a co-signer loan. Then within a few mins, got another email stating my loan was denied due to credit score of XXXX. 
However, my credit scores with all three bureaus are well over XXXX. So I knew this was incorrect. 
Reached out to the company asking them for copy of my credit scores they saw, and their lending requirements/guidelines for approval. 
Was told they couldn't share the XXXX XXXX info and never provided the lending guidelines. 
Then, all of a sudden, within minutes of questioning them on the XXXX XXXX, denial, etc. and APPROVAL comes over. 
This is definitely predatory lending, and the XXXX XXXX on the initial denial was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/year>, I purchased digital tickets through XXXX. Within minutes of the purchase, at XXXXXXXX XXXX, I initiated a cancellation request through XXXX official support system. At XXXX XXXX, I sent a written cancellation request asking for the order to be canceled and refunded. My cancellation attempt began before the merchant delivered the tickets. 
XXXX delivered the tickets at XXXX XXXX, which was after I had already initiated the cancellation process. I have a PDF of the XXXX message log with timestamps showing the timeline clearly. This file shows that my cancellation request was sent before the tickets were delivered. I provided this evidence to Chase.

I opened a dispute with Chase on XX/XX/year>, which is within the allowable dispute window. Chase denied the dispute, stating that the merchant had a non-refundable policy, even though card network rules require the bank to consider whether the goods were delivered after an attempt to cancel. I also requested that Chase consider my timestamped proof.

Chase refused to accept my submitted evidence, claiming it did not have letterhead and could have been copied and pasted, even though the timestamps come directly from XXXX own system. There is no legal or regulatory requirement for consumer evidence to be on a letterhead. Chase also told me they could use my evidence against me, which is concerning and misleading. 
XXXX internal policy does not override federal protections when a consumer cancels before fulfillment. The merchant delivered the product only after I attempted to void the transaction. This is merchandise delivered after cancellation, which is a valid basis for a chargeback under Regulation Z. 
I am requesting that Chase be required to : Reopen the dispute, Review the evidence correctly, Apply the proper dispute rules, and Issue a refund for this improperly processed charge.

I am attaching the PDF that contains the cancellation and delivery timestamps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal, aggressive dispute and demand for full deletion of the above-referenced account from my credit file. The reporting of this account is inaccurate, incomplete, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ).

Your agency is reporting this account as both a Profit & Loss Write-Off and a Charge-Off. This is factually inconsistent and materially misrepresents the status of the account. The account has been closed since XX/XX/year>, yet the current notation continues to portray the obligation in a manner that is false, damaging, and legally noncompliant. 

Under FCRA 602 ( A ) and 607 ( b ), you are required to report information that is accurate, complete, and not misleading in any way. Reporting contradictory and outdated derogatory statuses violates this requirement. Further, FCRA 611 mandates that any information that can not be verified must be deleted, not updated or modified. 

I am demanding the following action : IMMEDIATE AND COMPLETE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT. 

This is not a request for an update this is a demand for total removal due to your failure to maintain accuracy and compliance with federal reporting laws. 

If you claim that your reporting is accurate, I require full method-of-verification documentation, including : The complete payment and status history you relied on The exact records used to determine its current notation A copy of the original creditors verification response Date and source of the data confirming the charge-off status If you can not supply all verification documentation within 30 days as mandated by FCRA 611 ( a ), the account must be deleted immediately.

Failure to remove this erroneous and damaging information will result in : Filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Filing with the Federal Trade Commission ( FTC ), Filing with my State Attorney General, and Consideration of a private action for willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

I expect written confirmation of deletion within 30 days.

This letter is being sent via Certified Mail and I am keeping full documentation. 

Amount : {$5400.00} Reported closed on XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX. XXXX, XXXX  Creditor Info : Hyundai Finance XXXX XXXX XXXX XXXX XXXX, CA 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 2025-11-24 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:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the following credit report items that I believe to be inaccurate or incomplete. The accounts listed below are disputed across the major credit bureaus : Experian ( EX ). 

Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$3000.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$11000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$430.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$730.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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