vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, XXXX XXXX XXXX involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on 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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Part of a Race Event bin transfer group on XXXX. Contacted a seller and agreed on a half up front half after receiving the bib transfer. Seller assured me of legitimacy and provided a screenshot of receipt. Provided seller the half payment installment. Seller sent a text from an unknown number stating funds were held by Zelle and money would be returned to me in 24 hours. I immediately sent a fraud complaint to Zelle with no response and informed the seller that i contacted my bank. Seller has since blocked me on XXXX. Zelle has not provided me any information ether.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: OPORTUN FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a XXXX in the XXXX XXXX, and although it is a legal obligation for contracts signed before I joined the military to be evaluated at XXXX  % and for interest payments exceeding this amount to be refunded, I sent this request via written email. However, they made up excuses, claiming the credit card products were sold to another bank. They blocked my email to avoid making a refund, meaning I can not contact them. The sale to another bank doesn't change anything because I canceled the sale beforehand and paid all interest payments to a credit institution called OPORTUN. I am filing a complaint because they haven't paid the SCRA Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
Experian is willfully reporting false, misleading, and unverifiable information on my XXXX XXXX XXXX XXXX account ( # XXXX ) by listing a 30-day late payment for XX/XX/XXXX. This is factually inaccurate and internally contradictory to Experians own records. Experians file for this account shows a {$0.00} past due balance for XX/XX/XXXX and a payment status of Current, was past due 30 days two times, yet still marks XX/XX/XXXX as 30 days late. The payment history reflects no pattern of delinquency before or after XX/XX/XXXX. Experian also lists the account as Open despite direct confirmation from the creditor that it was closed in XX/XX/XXXX. This is not a minor discrepancy it is a substantive reporting error that materially damages my credit profile. Under the Fair Credit Reporting Act, Experian is in violation of FCRA 623 ( a ) ( 1 ) ( A ) prohibiting the reporting of information known or reasonably believed to be inaccurate, FCRA 607 ( b ) requiring maximum possible accuracy, and FCRA 611 ( a ) requiring deletion of unverifiable information after reinvestigation. Experian has also failed to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) by not providing the legally required method of verification in response to prior disputes. It is impossible to report an account as Current with a {$0.00} past due balance while simultaneously claiming a 30-day delinquency for the same month this is logically inconsistent and fails the FCRAs accuracy standard. This is not a request I am demanding that Experian immediately delete the XX/XX/XXXX XXXX late mark, update XX/XX/XXXX to Pays as Agreed, correct the account status to Closed as verified by the creditor, and provide written confirmation of the deletion along with the specific method of verification used in prior disputes. If Experian fails to correct this immediately, I will treat it as willful noncompliance and escalate this matter to the FTC, my state attorney general, and pursue all legal remedies available under the FCRA for statutory and actual damages.

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 2025-08-12 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
Inaccurate accounts are still appearing on my credit report, and they havent been removed yet. Because of this, I ask that the attached documents be carefully examined so I can have peace of mind moving forward.

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 2025-08-12 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 am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX  XXXX XXXX {$7000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX BALANCED {$410.00} Date opened : XX/XX/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 2025-08-12 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: MS

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I previously filed a complaint with this company back in XXXX and they responded on XX/XX/year> agreeing to stop trying to collect and remove this collection from all consumer reporting agencies and they havent done so. The collection is still showing on all consumer reporting agencies sites.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2025 an entity going by the name : XXXX XXXX XXXX deposited {$3600.00} into my checking account. These monies were an insurance for an unsolicited loan I received by text on my phone.The image of supposed contract had the companies logo contract head and details on interest and payments. I gave this man my userid and password to make the {$3600.00} deposit. But then he asked me to transfer {$2000.00} as a good faith payment in order to give me the {$5000.00} loan. I smelled a scam and told him to cancel my loan request. He became upset and said they want their {$3600.00} back. I immediately went to my bank branch and reported the scam on XX/XX/2025. They assured me they will protect me by blocking my old checking account and open a new checking account. They transferred my balance from old account to new account and sent me my new debit card which I received on XX/XX/2025. I activated my account and made some purchases online and at XXXX retailers. I went to another retailer and my card was not accepted. I called my bank, Bank of America and they closed my account because I was a victim of fraud. I never used that deposit. I reported the scam!

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 2025-08-12 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 recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. 

Account Name : XXXX XXXX XXXX Account Number : 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 2025-08-12 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 recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
Absolutely! Here 's the revised version with * * XXXX  * * changed to * * Equifax * *, keeping everything else intact : -- - I am submitting a formal complaint concerning inaccurate and misleading credit reporting by XXXX Bank XXXX ( XXXX XXXX ) and Equifax. 

The XXXX XXXX account issued by XXXX Bank XXXX was charged off and written off for a total of {$2800.00}. However, Equifax continues to report this account each month as a Charge-Off ( CO ), with the full balance listed as past due. This ongoing reporting creates a deceptive impression of recurring delinquencies, which negatively impacts both my credit score and personal reputation. 

I initially disputed this account with Equifax in XX/XX/year>. In XX/XX/year>, I followed up with a method of verification request pursuant to the Fair Credit Reporting Act ( FCRA ). Equifax did not provide the name or contact details of the verifying party, nor did they supply any documentation supporting the accounts accuracy. Instead, they added a generic notation stating account information disputed by consumer, without resolving the core issue of inaccurate reporting. 

Furthermore, the information reported by Equifax is inconsistent with data from other credit bureaus. The balance, dates, and payment history vary between Equifax, XXXX, and XXXX. Despite these discrepancies, Equifax continues to report the account in a way that is both incorrect and harmful. 

Under the FCRA, credit bureaus and data furnishers are obligated to report only accurate information and must remove any data that can not be verified. Continuing to report a monthly charge-off after the debt has been written off misrepresents the true status of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-12 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:
This letter is being sent directly from me, the consumer, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing specific accounts on my credit report that were opened as a result of identity theft. This is not a third-party dispute, and I am submitting this letter personally to ensure full compliance with federal law. Under FCRA 605B, you are required to block all fraudulent information from my report within four business days of receiving proof of identity theft. Additionally, FCRA 611 ( a ) obligates you to conduct a proper investigation of my dispute and respond within 30 days. I also request full disclosure under FCRA 609 ( a ) ( 1 ) ( A ) of all information used to verify these disputed accounts and any results of any previous investigations conducted. Enclosed you will find a copy of my government-issued ID, proof of address, FTC identity theft reports, and a signed statement under penalty of perjury confirming the accuracy of my claim.

These documents should fulfill all documentation requirements under federal law. 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 2025-08-12 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: WI

Complaint narrative:
In XXXX XXXX Experian and TransUnion deleted the following accounts from my credit reports after disputes : XXXX, XXXX XXXX, XXXX. In XXXX XXXX, they willfully and illegally reinserted the same accounts without complying with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires new certification of accuracy from the furnisher and written notice to me within 5 business days. I received no such notice or proof. I have disputed these violations twice since XXXX, and both bureaus falsely verified the items without providing the required method of verification. This is a blatant, willful FCRA violation under 1681i ( a ) ( 5 ) ( B ), 1681n, and 1681o. I request immediate CFPB investigation, deletion of the accounts, and enforcement action against both agencies.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment entries reported by XXXX XXXX ( XXXX ) and XXXX  XXXX XXXX on my Equifax credit report. These entries are incorrect and stem from internal reporting errors by the creditors, not from any failure on my part to make timely payments. My XXXX account, ending in XXXX, is currently open with a balance of {$30000.00} as of XX/XX/year>2025, and has consistently been paid on time. Similarly, my XXXX XXXX XXXX XXXX XXXX XXXX account, which is also open and shows a {$0.00} balance, has never been delinquent. Despite this, both creditors have reported late payments that are entirely unfounded. I formally disputed these inaccuracies with Equifax and requested, under the Fair Credit Reporting Act ( FCRA ), that all erroneous late payment entries be deleted, that Equifax provide documentation of the verification process used to confirm the alleged delinquencies, and that I be given copies of any records submitted by XXXX and XXXX  XXXX XXXX to support their claims. To date, Equifax has failed to provide adequate documentation or correct the inaccuracies, which continue to harm my credit profile and financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that Equifax, XXXX, and XXXX XXXX XXXXXXXX comply with their obligations under the FCRA. I am seeking the immediate removal of all inaccurate late payment entries, written confirmation of the corrections, and assurance that future reporting will be accurate and compliant. If this issue is not resolved promptly, I am prepared to pursue further legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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 filing a complaint regarding inaccurate and misleading credit reporting by XXXX XXXX  XXXX ( XXXX XXXX ) and TransUnion. 

The XXXX XXXX account issued by XXXXXXXX XXXX XXXXXXXX was charged off and written off for a total of {$2800.00}. Despite this, TransUnion continues to report the account monthly as a Charge-Off ( CO ), with the full balance shown as past due. This reporting creates a false and misleading impression of ongoing delinquencies, which unfairly damages my credit score and reputation. 

I submitted a dispute to TransUnion in XX/XX/year>. In XX/XX/year>, I followed up with a method of verification request under the Fair Credit Reporting Act ( FCRA ). TransUnion failed to provide the name and contact information of the entity that verified the account or any documentation used in the verification process. Instead, they added a generic comment stating account information disputed by consumer, without addressing the inaccurate reporting. 

Additionally, the data reported by TransUnion is inconsistent with information from other credit bureaus. The balance, dates, and payment history differ between TransUnion, XXXX, and XXXX. Yet TransUnion continues to report the account in a manner that is both inaccurate and harmful. 

Under the FCRA, credit reporting agencies and data furnishers are required to ensure the accuracy of reported information and to remove unverifiable data. Continuing to report monthly charge-off activity after a debt has been written off misrepresents the accounts true status.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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