vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The company is still reporting a debt on my credit reports that the Internal Revenue Service settled with them. 

I requested from the company on several occasions a copy of the IRS XXXX, but have never received 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been sent to collections due to identity theft, and I would like to have those accounts investigated, deleted AND., my account updated.

My name is spelt wrong in about 10 different ways. I have addresses that I dont know anything about. nquiries that I dont know anything about.

I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Listed below are the fraudulent accounts and unauthorized inquiries appearing on my credit report XXXX XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX XXXX Opened in XXXX XXXX, XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), Opened in XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX  ), opened in XXXX XXXX, XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), Opened in XX/XX/XXXX ; XXXX Inquiried on XX/XX/XXXX ; XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiried on XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  Inquiried on XX/XX/XXXX ; XXXX, Inquiried on XX/XX/XXXX ; XXXX  XXXX Inquiried on 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 explanation
Consumer complaint received 2025-07-18 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:
Listed below are the fraudulent accounts and unauthorized inquiries appearing on my credit report XXXX XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX XXXX Opened in XXXX XXXX, XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), Opened in XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX  ), opened in XXXX XXXX, XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), Opened in XX/XX/XXXX ; XXXX Inquiried on XX/XX/XXXX ; XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiried on XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  Inquiried on XX/XX/XXXX ; XXXX, Inquiried on XX/XX/XXXX ; XXXX  XXXX Inquiried on 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
As of XX/XX/year>, Navy Federal Credit Union has reported a collection account to XXXX  for an alleged {$2600.00} debt. 
However, this account violates several consumer protection laws. First, under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide proper validation of the debt before furnishing any data to consumer reporting agencies. I have not received any such validation. Second, I was not given an opportunity to dispute the account before it was reported, which is a direct violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Third, the account lacks key identifying information and is being reported in a way that could be considered false, misleading, and deceptive, violating consumer rights as outlined under 15 USC 1692e. 
Finally, furnishing this tradeline to XXXX without the proper disclosures, validation documentation, and dispute notice puts XXXX in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). This reporting is damaging my consumer report and impacting my access to credit, despite a failure to follow proper procedures required by tederal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a business checking account for my insurance business on the US Bank website on XX/XX/XXXX since there was a {$400.00} welcome bonus. On XX/XX/XXXX, I went to the US Bank XXXX XXXX branch for my credit card issue. A clerk named XXXX or XXXX ( I dont know the exact spelling ) helped me. After she solved the issue, I asked her to check if the transactions on my business account met all the bonus requirements. She checked and said I met all the requirements and I would receive the bonus after the funds were kept for 60 days. I should receive the bonus in early XXXX, but I didn't receive it, I called customer service of US Bank to ask. I was told that I met the requirements and just needed to wait for processing time. I have not received the bonus after that. I called us bank customer service 3 times to ask and they all said I met the requirements and just wait. After I kept asking why I didn't receiveit, the last one said she ran their software and the system prompted that I didn't qualify, but she said before using the software to check, she also thought I met the requirements. She suggested me to go to the branch. She said the branch had the authority to manually reissue the bonus to me. I went to the XXXX XXXX branch and found the staff who confirmed with me that I was eligible for the bonus on XX/XX/XXXX. She checked my transaction records again and still didn't know why I didn't get the bonus. And she asked another red-haired clerk to check if I entered the bonus code when opening the account. That clerk confirmed that I did enter the bonus code and she also felt that I met the requirements. So I reported this to their supervisor and hoped that he would add the bonus to me manually. He said that staff is a new employee and later he said his manager denied this request. I complained to the headquarters of US Bank, but they said it was a branch-level issue and could only be resolved by the branch.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I don't recognize this account I have no knowledge of this account on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
This letter serves as my formal dispute of the following derogatory accounts that are currently being reported on my Experian credit file. Both accounts have previously been deleted and then improperly reinserted without any notification to me as required by federal law : 1. Creditor Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$41000.00} 2. Creditor Name : XXXX XXXX XXXX XXXXXXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$70000.00} These accounts have both been reinserted twice and I have not received any written notice within five business days of the reinsertion as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). This is a direct violation of your legal obligation 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 2025-07-18 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-18 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:
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 2025-07-18 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: AZ

Complaint narrative:
Transunion sent improper and fraudulent information to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit card during a quarterly account review despite Transunion knowing of identity theft and having active disuputes and reports reporting this. Transuinion is in receipt of multiple FTC, XXXX, and police reports documenting this activity and refuse to remove from reports and then provided this inaccurate and fraudulent information to others.

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
XXXX an found out I was sharked, by XXXX, XXXX XXXX interest rate with XXXX  XXXX  collecting payment, so went to XXXX, they are trying to help, but there is a XXXX defered agreement taced on the back, we know nothing about, so we requested paperwork from XXXX  of proof for months now of investigation delays, they can not produce, this is preventing us from moving forward with cause companies need proof.Requesting it to be produced or removed.Found out XXXX, an XXXX  no longer exist was a pondsey, Fraud, they were caught by Federal goverment.I am getting older an I just found out alot of this stuff months ago.Please help so we can deal with a better company an get out of this mess. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
As part of a recent string of disputes, I provided Trans Union, Equifax, and Experian with information to verify that I had filed a police report for identity theft. I gave them the reporting officers information to verify the report had been filed. 60+ days after sending them this information, I found out that Trans Union rejected my dispute without even doing an investigation. In this case, they were sloppy and lazy. Because all you have to do is contact the police department or officer who filed the report to confirm this. I have contacted them many times since, asking why they did not even conduct an investigation. No one is able to provide an answer ( essentially admitting they did not even conduct an investigation ). I have submitted the officer 's number to them on several different disputes. The investigation into my ID theft is continuing. But Trans Union never contacted them to verify that I had even FILED the report. How can they do this? They seem intent in ruining people 's lives, not reporting accurate information. They have violated too many FCRA laws and rules to list. I have attached the police correspondence, case #, an email, so that you may confirm this / contact the XXXX Police Department.

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 2025-07-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : 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 : {$0.00} 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 : {$1000.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT XXXX XXXXXXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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