vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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 am a victim of identity theft. I recently discovered that I was listed as part of the Transunion XXXX XXXX  where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXX ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Several time i try to fix this problem, with more than tree months with the funds on hold and my account frozen with out a certain answer. 

The person who suppose be in changer of the case never give me a date or solution for this situation. 

I make the favor to deposit the check in my account because he be part of my family showing all the necessary proof to validate the deposit are legit and they never give a direct answer, just say need to wait, also they close my other accounts saying i violated his politics with out reasons, keeping the money several days. 

We call the IRS because they be the institutions who made the checks and they say the bank already have the funds, they send us the proof of the deposit to know the funs already be in the account and we need to talk to the bank to solve that. 

I have a dificulte situation with the person who own this money because they need a answer or his money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
The terms of my contract 's XXXX  disclosure said I can remove the XXXX  at 80 % XXXX and it would be automatically removed at 78 %. I reached 80 % XXXX and requested the PMI be removed. My servicer then told me that I actually had to meet 75 % XXXX to remove XXXX  per direction from a third party. They are now withholding the XXXX  removal until I pay for a {$750.00} appraisal to remove the PMI based on the home 's current value instead of the original value. 

If I had been made aware of this at closing I would have made a larger down payment in the first place and avoided XXXX  completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. Account # : XXXX, Account name : XXXX XXXX. Account # : XXXX, Account name : XXXX XXXX. XX/XX/year>, Account name : XXXX XXXX. XX/XX/year>, Account name : XXXX OF XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Laid off from my job Tried to make payment arrangements Repossession occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: VW Credit
State: CA

Complaint narrative:
Someone used my personal information to purchase vehicles and credit in my name. VW Credit were all opened fraudulently. The collection acct The XXXX XXXX was also opened without my knowledge. Also XXXX opened XX/XX/year> does not belong to me. Inquires XXXX, XXXX XXXX, XXXX XXXX, Informative, XXXX XXXX, XXXX, XXXX XXXX, does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-21 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and potentially violates the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and found the following inaccuracies : XXXX XXXX XXXX According to the FCRA, you are required to maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, I have the right to dispute any inaccurate information on my credit report, and you must investigate the disputed items ( 15 U.S.C. 1681i ). 

Based on the recent lawsuit involving XXXX  and XXXX, which highlights serious issues of negligence in reporting, I urge you to take my dispute seriously and conduct a thorough investigation. It is crucial that you verify the accuracy of the reported information and remove any entries that can not be substantiated. 

Please conduct your investigation in accordance with the FCRA and provide me with the results promptly. I also request that you send me an updated copy of my credit report once you have completed your investigation. 


Thank you for your attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AL

Complaint narrative:
TransUnion is reporting inaccurate identifiers and unverifiable derogatory accounts in violation of the FCRA and XXXX XXXX standards. TransUnion continues to list multiple name variations, outdated addresses, and employer data not authorized by me, even though I have clearly provided my correct identifiers. 
TransUnion is also reporting derogatory accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, despite failing to demonstrate physical verification of the debts or compliance with XXXX XXXX formatting. The truncated account numbers and inconsistent bureau reporting violate XXXX XXXX XXXX, which states any deviation from XXXX XXXX XXXX jeopardizes data integrity. 
I requested validation and disclosure of verification methods under XXXX and XXXX, but TransUnion has not provided any proper documentation. The accounts remain, damaging my credit reputation.

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 2025-08-21 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: OR

Complaint narrative:
Subject : Complaint Against All Three XXXX XXXX XXXX XXXX XXXX XXXX : - Equifax XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX - TransUnion LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX I am submitting this formal complaint against all three major consumer reporting agencies ( Equifax, Experian, and TransUnion ) for continuing to report inaccurate, incomplete, and/or unverifiable charge-off accounts on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The specific tradelines in dispute include : - XXXX XXXX {$8900.00} ( Charge-Off ) - XXXX  of XXXX {$7700.00} ( Charge-Off ) - XXXX  XXXX {$2700.00} ( Charge-Off ) - XXXX XXXX XXXX {$6500.00} ( Charge-Off, acquired by XXXX  XXXX ) - XXXX  Card Services {$44000.00} ( Charge-Off ) These accounts continue to report as delinquent or charged-off even though they may have been sold to third-party debt buyers or XXXX via IRS Form XXXX issuance. Additionally, there are discrepancies in how these accounts are being reported across all three bureaus, in violation of 15 U.S.C. 1681e ( b ).

Despite previous good-faith disputes and requests for reinvestigation sent directly to each agency, they have failed to properly verify the accuracy of these accounts or have refused to remove unverifiable tradelines within the mandated period under 15 U.S.C. 1681i ( a ). 

Furthermore, the credit bureaus are actively injuring my creditworthiness by maintaining inaccurate data, violating my consumer rights, and failing to comply with their duty to report accurate and consistent information under federal law. 

I request the CFPB take the following action : XXXX. Investigate the ongoing inaccuracies in reporting by all three bureaus. 
XXXX. Enforce compliance with FCRA and FACTA provisions regarding reinvestigation, accuracy, and dispute resolution timelines. 
XXXX. Compel all three agencies to remove or correct all unverifiable charge-off tradelines. 
XXXX. Issue findings and penalties as appropriate. 

Attached to this complaint are my original dispute letters and evidentiary documentation sent to each credit bureau, which clearly illustrate the legal and factual deficiencies in the reporting of the above accounts. 

This complaint is submitted without prejudice and with full reservation of rights under commercial and consumer protection 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-21 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: AZ

Complaint narrative:
Please take a look at this late entry ; it might contain an error.

Company response to consumer: Closed with non-monetary relief