vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Inquiries : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis for My Dispute XXXX. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
XXXX. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law XXXX. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. 
Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o. 
Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX  Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. 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 non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am filing a complaint against TransUnion regarding inaccurate and inconsistent reporting of several charged-off accounts. 
These entries are being reported with dates and balances that differ from those on other credit bureau reports, suggesting errors or unverifiable data. I have not received proper documentation verifying these accounts. Pursuant to FCRA 611, I request a reinvestigation and deletion of any unverifiable or inaccurate tradelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} I request TransUnion to provide the full verification details, including original source documentation, or remove these accounts if they can not be validated. Additionally, please correct any outdated or inaccurate address information linked to my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/year>, I was alerted by XXXX  of new activity, Discover Card opened in my name. I immediately contacted XXXX  and Discover and notified them that this was a fraudulent action as I did not initiate or authorize this account. I was told by Discover at the time that action was taken to close card and flag account as fraudulent. 

On XX/XX/XXXX, I was again alerted by XXXX  of new activity and learned of charges to a Discover Card ( unauthorized ) in my name, this time with charges in my name. I was told by XXXX  of a new address ( XXXX XXXX XXXX, XXXX, Florida ) against my name. An address that I have never lived, worked, or otherwise done business. 

I once again contacted Discover immediately and alerted them to situation, they AGAIN closed the account and initiate a fraud investigation ( ongoing ). 

If posted to CFPB site, consumers DO NOT use unsecure XXXX- as I suspect this is how someone got my personal information. Credit monitoring works- join one and also have your current card holders alert you of all activities to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I am disputing how XXXX  is reporting my XXXX XXXX credit card account. XXXX  is showing this tradeline with a balance of {$5500.00}, past due {$5500.00}, Account Status : Derogatory, Payment Status : Collection/Chargeoff, and comments that the account was closed due to inactivity and that an unpaid balance was reported as a loss by the credit grantor ( last reported around XX/XX/year> ). 

Earlier this year I entered into a resolution/settlement agreement with XXXX for this account and made the required payments. On XX/XX/year>, XXXX Cardmember Services sent me a letter confirming that they received my final payment and that I have satisfactorily completed the terms of the resolution agreement. After my final payment there should not be an unpaid balance or past-due amount of {$5500.00} reported as an active charge-off. 

I sent XXXX  a dispute and provided a copy of the XXXX letter as proof that the account has been resolved, and I asked XXXX  to correct the balance, past-due amount, status, and remarks. XXXX  has continued to report the account as an unpaid charge-off with an unpaid balance reported as a loss, which is inaccurate and misleading. Under the FCRA, XXXX  must ensure maximum possible accuracy and must correct or delete information that is not accurate or can not be verified with current records from 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 2025-11-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding inaccurate information on my credit report involving XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

Account details : Creditor : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 
Account opened : XX/XX/year> Account closed : XX/XX/year> Reported balance : {$130.00} ( incorrect ) I never received a credit card from XXXX XXXXXXXX XXXX  and therefore never activated or used the account. I paid a {$75.00} annual fee, which was refunded by the company when I closed the account. The company sent me correspondence saying they couldnt verify my identity and to send additional information twice. After numerous times providing them with the information with no results, I requested to close the account due to me waiting months and I still havent received the card. Despite this, the account is being reported with a {$130.00} balance, which is false. I have contacted the credit bureaus multiple times ( XXXX Experian, XXXX ), but they have not corrected this error. 

I request that the CFPB investigate this matter and require the credit bureaus to remove or correct this inaccurate reporting immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NC

Complaint narrative:
Received a letter from XX/XX/XXXX on XXXX stating they froze my card due to possible fraud activity? They requested I email them my drivers license and can take up to a week to resolve here it is XXXX and tried calling them multiple times a XX/XX/XXXX wait time, they use stall tactic excuses they didnt receive my info, I was skipped over. I havent been able to fed myself, pay bills, my cable been turn off. This is what they do to seniors the vets and disable who have benefits direct deposit on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: BTH Management
State: TX

Complaint narrative:
This company, Plaza Services LLC has stolen my personal information from a third party by the name of XXXX XXXX. I have never done business with them and I did not give anyone else any permission to steal and/or share my information with anyone. These companies are passing my information around amongst one another, and whom ever and I have never done any business with them what so ever! This is illegal practices and I would like to take this to the full extent of the law. This company is now illegally reporting information to my credit report, the information is fraudulent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I booked a trip on XX/XX/2025 through applevacations.com to XXXX XXXX XXXX and financed {$2800.00} at {$280.00} through uplift.com known as upgrade.com. The trip was cancelled on XX/XX/2025, due to XXXX XXXX which destroyed the resort Breathless that we were to stay in. Uplift too out three payments so far on XX/XX/2025, XX/XX/2025 and XX/XX/2025, totaling {$840.00} that should be refunded to me. The company is deducting over {$200.00} for interest charges. How am I being charged interest charges for something that I did not use and that was cancelled due to a natural disaster. This was not my fault. Had it been my fault I can definitely understand. This is absurd. I spoke with XXXX at XXXX am from the company and he advised that I am not the only person calling in reference to this exact same thing, I sent over the cancellation emails to him from the Apple Vacations and he advised that he will send over to the accounting department stating that it is not the customers fault that the trip was cancelled. I need my full refund ; this doesn't make any sense. I would appreciate you looking into this matter. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: WA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am filing this complaint because the credit reporting agencies are inaccurately reporting several hard inquiries on my credit file that were not authorized, did not result in any approved or opened account, and do not meet the FCRA requirement for a permissible purpose. I disputed these inquiries directly with the credit bureaus, but they refused to remove them and failed to provide any documentation proving that the inquiries were authorized. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. XXXX ( a ) limits the furnishing of a consumer report to entities with a permissible purpose. 
Hard inquiries require my direct authorization or a legitimate credit application that resulted in consideration for credit. In these disputed cases, no credit was extended, no accounts were opened, and I did not authorize many of the companies to access my report. These inquiries therefore lack permissible purpose. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) requires credit bureaus to conduct a reasonable reinvestigation of any disputed information. 
The credit bureaus verified these inquiries without providing any proof of authorization or permissible purpose from the furnisher, demonstrating a failure to conduct a meaningful investigation. 
15 U.S.C. XXXX ( b ) requires credit bureaus to maintain maximum possible accuracy in consumer reports. 
Continuing to report inquiries that are unauthorized, unverifiable, or lacking permissible purpose violates this statutory requirement. 

The presence of these inaccurate inquiries has negatively impacted my credit score, my ability to obtain credit, and my financial stability. As an XX/XX/XXXX military service member, inaccurate reporting also directly threatens my security clearance eligibility and career.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America denied my fraud claim for an unauthorized online withdrawal that went to XXXX. They stated that an authorized user approved it, which is false there are no authorized users on my account. 

I did not authorize this transaction, did not log in to XXXX, and did not approve any online transfer.

I requested a reinvestigation under Regulation E, and the bank has not provided required evidence ( IP address, device ID, authorization details ).

I am requesting that the CFPB require Bank of America to comply with Regulation E and refund the unauthorized withdrawal.

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 monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX opened a fraud account in my name I filed a police report and advised them this is a fraud loan I never took out any loans and have never heard of this company my identity was stolen and they refuse to remove the fraud loan from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC XXXXg. I request that you provide to me verification consisting of a formal declaration where you swear to the truths of the statement of the facts of matter, have first knowledged and must be notarized. I would like to request the assigned contract along with proof that you have obligations to collect this debt. Since this debt has been disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer with XX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX. I hereby, inform you that you do not have my consent to communicate with me through any medium.. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. Also, I did not consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with explanation