vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am disputing the following accounts reported by TransUnion as " charged off '' and " late payments. '' The listed accounts contain inaccuracies or are being reported incorrectly. 
I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX - XXXX, XX/XX/XXXX, Balance : {$9500.00} XXXX CARD - XXXX, XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$5500.00} XXXX  XXXX - XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX Late Payment 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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau : I am submitting this complaint regarding a disputed transaction processed by Bank of America on my debit card without my authorization. On XX/XX/year>, I contacted Bank of America immediately after noticing the charge from XXXX, which was still in processing status at the time. I explicitly informed the supervisor, XXXX, that I had not approved or authorized this transaction and requested that the charge be canceled. Despite the urgency and the fact that the funds were intended for essential personal needs, I was told that the transaction could not be reversed. 

I subsequently filed a formal dispute on XX/XX/year>, under Claim ID XXXX, for the amount of {$1600.00}. As of the date of this filing, I have not received any resolution, nor has Bank of America issued a provisional credit. 

I was informed by the bank that Regulation E does not apply to my case, which is a misrepresentation of federal law. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a prompt investigation of unauthorized electronic fund transfers. If the institution can not complete its investigation within 10 business days, it must issue a provisional credit for the disputed amount while the investigation continues. 

Bank of Americas failure to issue a provisional credit and its denial of Regulation E protections constitute a violation of federal consumer protection law. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure compliance and restitution. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-11-03 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 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: IL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-03 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: FL

Complaint narrative:
I am submitting this formal complaint regarding TransUnions failure to correct or remove disputed and unverifiable information from my consumer credit report, despite multiple disputes. Specifically, I submitted detailed disputes on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX challenging the accuracy and verifiability of the following : A XXXX  XXXX bankruptcy allegedly filed in the XXXX XXXX  XXXX for the Middle District of Florida Multiple tradelines associated with this bankruptcy which were never verified Several hard inquiries that lack permissible purpose In response to all three disputes, TransUnion marked the data as 'verified as accurate " but failed to provide any evidence or documentation supporting the verification. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy of reported information Additionally, I have obtained a formal letter from the U.S. Bankruptcy Court Middle District of Florida confirming that the court does not furnish or verify data to any consumer reporting agencies. This further proves that TransUnion could not have verified the bankruptcy as required under federal law. 

Furthermore, I have a security freeze confirmation from XXXX dated XX/XX/XXXX. This indicates that TransUnion could not have relied on XXXX to verify the public record or its related accounts.

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 2025-11-03 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:
I am writing to dispute several entries on my credit report that appear to be inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Please investigate and correct the following accounts listed below, ensuring compliance with all relevant FCRA and Metro-2 standards. 
Disputed Accounts : Account XXXX : XXXX XXXX XXXX Account Number : [ XXXX ... ] Original Creditor : XXXX XXXX XXXX Account Status : Negative Reason for Dispute : This account was incorrectly reported as a charge-off. Please investigate and verify its accuracy under FCRA 1681i and the Metro-2 standards. 
Account 2 : XXXX Account Number : [ XXXX ... ] Original Creditor : XXXX Account Status : Negative Reason for Dispute : This account shows late payments without proper verification from the original creditor. Please verify the information under FCRA 607 ( b ) and 609. 
Account 3 : XXXX XXXX Account Number : [ XXXX ... ] Original Creditor : XXXX XXXX Account Status : Negative Reason for Dispute : The account has been reported as a charge-off despite prior disputes. Please review this account under FCRA 607 ( b ) and investigate potential data breach violations under 605B.

Violations and Data Breach Concerns : I suspect that these reporting inaccuracies may stem from a data breach or unauthorized access to my personal information. Please investigate under FCRA 607 ( c ) for any violations of data security protocols.

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 2025-11-03 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-11-03 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: MS

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-03 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: MS

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-03 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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

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 2025-11-03 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-03 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: IN

Complaint narrative:
I dispute the following account and inquiry listed on my TransUnion credit report. The information appears to be either incorrect or incomplete. I request a thorough investigation of these items. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Inquiries XXXX XXXX XXXX Date of Inquiry : 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 non-monetary relief
Consumer complaint received 2025-11-03 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: WA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the 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 2025-11-03 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 am a consumer requesting a formal investigation into certain items on my credit report. Below is a list of accounts and inquiries in dispute, separated by each credit bureau. I respectfully request that these issues be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts in Dispute : XXXX XXXX  Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

Inquiries in Dispute : XXXX XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXXXXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

Late Payments in Dispute : TransUnion ( XXXX ) : XXXX Account : XXXX Dispute : The late payment reported for this account is incorrect. Please verify and correct the 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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-03 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-03 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/year> -- {$3000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX 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