vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: GA

Complaint narrative:
Over {$1100.00} stolen from my account. Theyve been nothing but rude and unhelpful at Skylight NetSpend Preaid card since the start. My dispute was denied after waiting a month for the dispute. They told me documents were needed to be reopened. I waited over XXXX months for these documents just for them to come and Im told they cant reopen the dispute. I need my money back Im an XXXX XXXX XXXX fresh out of XXXX XXXX trying to buy a car and pay my rent. They havent helped me or tried to help in any way shape or form. All Im given is the run around and Ive been fighting this for months. Mind you Ive had this card since I was XXXX Ive had over XXXX in this account and Ive never filed a wrongful dispute

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 2025-05-26 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: NC

Complaint narrative:
I reported to TransUnion that I was a victim of a data breach, XX/XX/year> my credit was fair to good before this issue occurred. Ive tried to no avail for them to remove all those negative items from my report where accounts were opened and my bank accounts were compromised. It has now been 2 years and still no resolution with TransUnion, Experian or Equifax. You all were my only source and Im grateful that the CFPB was created and still exist.

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 2025-05-26 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: SC

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

15 U.S.C. 1681 SECTION 602A STATES i HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1681C. ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15USC 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 2025-05-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This is my second request to update my personal information with your agency. Under 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies are obligated to exercise their responsibilities with fairness, impartiality, and a strong respect for the consumer 's right to privacy.

I hereby demand that you delete all personally identifiable information from my credit file, with the exception of the following : 1. Full Legal Name : [ First and Last Name ] 2. Current Address : [ Your Address, City, State, ZIP ] Please remove all outdated and inaccurate addresses from my file, as I no longer reside at those locations, nor can I receive correspondence sent to those addresses. I request that my file be updated with the above-listed address only.

Additionally, I request that you remove all phone numbers from my credit report except for my primary contact number, which is : Phone Number : XXXX XXXX XXXX XXXX. 
Please delete any and all other phone numbers associated with my account. 
For privacy reasons, I demand that my Social Security Number ( SSN ) and date of birth be removed from display within the credit file.

Also, please delete any and all information in the " Employer '' section.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am entitled to privacy and protection as a federally protected consumer. Failure to respect my privacy rights, as outlined in 15 USC 1681, is a violation of federal law.

Once the updates have been made, I request that you provide me with an updated copy of my credit report reflecting these changes. 
My contact details are as follows : Name : [ First Name, Last Name ] SSN : XXXX Address : [ Your Address ] Thank you for your prompt attention to this matter. 
Sincerely, [ Your Name ] Enclosed : Copy of State ID and Utility Bill ( to verify address )

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 2025-05-26 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: FL

Complaint narrative:
Complaint Title : Incorrect Reporting of Paid/Closed Credit Card Account Violations of FCRA, TILA, and GLBA by Capital One Bank USA Description : I am filing this complaint regarding the inaccurate and harmful reporting of a closed XXXX  XXXX credit card account ( Account ending in XXXX * * * * ), originally opened on XX/XX/XXXX and closed on XX/XX/XXXX, with a balance of {$0.00} and a paid status. 

Despite the account being closed and paid, all three credit bureaus ( XXXX XXXX, and TransUnion ) continue to report the account as Negative, including multiple delinquency marks ( 30, 60, 90, 120 days late ) and charge-off ( CO ) notations that are no longer reflective of the current status.

Key Facts and Inconsistencies : The balance is {$0.00}, and the account is closed, indicating it should no longer be reported as derogatory. 

The last activity occurred in XXXX, but as of XX/XX/XXXX, the account is still being reported with severe delinquencies and a Negative status. 

Each bureau shows conflicting data : XXXX  reports XXXX 30 days late, XXXX 60 days late, and XXXX 90 days late. 

XXXX  and XXXX  both display " CO '' ( XXXX ) for multiple months, even though the account shows no balance due and a last payment date of XX/XX/XXXX or XX/XX/XXXX. 

Despite previous disputes, comments only state : " Account previously in dispute- now resolved by data furnisher/subscriber '', but do not reflect any actual resolution. 

This outdated and misleading information misrepresents my payment history and directly harms my credit score, impacting my ability to secure funding and access to capital as a business owner and consumer.

Violations of Federal Law : 1. FCRA ( Fair Credit Reporting Act ) : 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

1681i ( a ) : Failure to properly reinvestigate and correct disputed information.

1681s-2 ( b ) : The furnisher of the information ( XXXX XXXX ) failed to correct or update inaccurate reporting after disputes.

2. TILA ( Truth in Lending Act ) : Continued reporting of this account as delinquent despite being closed and paid is a misrepresentation of the credit terms and conditions, and creates an inaccurate reflection of my creditworthiness.

3. GLBA ( Gramm-Leach-Bliley Act ) : Inconsistent and outdated reporting practices indicate poor safeguards over my financial information, violating the Safeguards Rule intended to protect consumer data integrity.

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 2025-05-26 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: IL

Complaint narrative:
I am a victim of XXXXXXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 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 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 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 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 2025-05-26 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : SXX/XX/XXXXXX/XX/XXXX Balance : {$29.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXXBalance : {$1300.00} Open Date XX/XX/XXXXXX/XX/XXXX Balance : {$710.00} Open Date XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Date XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX Inquiries : 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

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 2025-05-26 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: VA

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 non-monetary relief
Consumer complaint received 2025-05-26 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 accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX TransUnion XXXX XXXX CREDIT UNI XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-26 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX  -- - Opened : XX/XX/year>

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 2025-05-26 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I paid off an account with a XXXX XXXX XXXX  credit card store card. I was sued by XXXX XXXX law firm and entered into a legal settlement to payoff the account for less than the amount owed. All three credit bureaus have reported this account incorrectly. I cant seem to get through to XXXX XXXX because they refer me back to the XXXX XXXX and the law firm refers me back to XXXX. Then target also refers me back to the law firm. This is nerve racking. I have filed multiple disputes with all three credit bureaus and even called them but they are still reporting the info incorrectly. My account still shows a balance of {$810.00}. It should say settled for less than amount owed and a XXXX balance. 
XXXX XXXX XXXX is not reporting the information correctly. XXXX XXXX  has been sued before for not reporting the information correctly to the credit bureaus.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX'This is a formal request for the removal of fraudulent accounts that appeared after a data\n breach. Pursuant to Section 605B of the Fair Credit Reporting Act (15 U.S.C.  1681c-2(a)),\n block and delete these accounts within 4 days:  \nAlso, would like to have all addresses and names REMOVED from my credit report, except\n for my only name and address listed below:\n Name: XXXX XXXXXXXX Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report\n Accounts\n InquiriesXXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXXXXXX   Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date: 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