vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am disputing the following accounts on my credit report and requesting an investigation into the inaccuracies. These items do not reflect my correct account information or status. 

Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, {$580.00} XXXX, XXXX, XX/XX/XXXX, {$3500.00} XXXX/XX/XX/XXXX, XXXX, XX/XX/XXXX, {$3500.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$220.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$620.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, {$1900.00} XXXX CRED XXXX XXXX, XX/XX/XXXX, {$990.00} XXXX CRED XXXX XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$160.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$820.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$700.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$130.00} Inquiries : XXXX, XX/XX/XXXX XXXX, 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 2025-11-25 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:
As I have no link to these accounts, they should be removed within XXXX  days under USC 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2025-11-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payactiv, Inc.
State: GA

Complaint narrative:
Payactiv put my prepaid card on hold with XXXX dollars in my balance but wont send me a check for my remaining balance so I been having funds stuck for 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
Issue : My credit card issuer, Destiny/Concora XXXX unfairly declined a legitimate purchase and refuses to provide transparency about merchant restrictions. 

What happened : On [ date of transaction ], I attempted to make a purchase with XXXX for {$61.00} ( sales tax on a phone upgrade ). Destiny/Concora declined the transaction and marked it as suspicious or fraudulent. 

When I called customer service to verify the purchase, I was told that Destiny/Concora does not approve transactions with XXXX at all. I asked for a list of merchants or categories they automatically block so I could avoid future issues. They refused and said they do not provide such information to customers. 

When I pressed for a resolution, the representative actually suggested that I use another credit card instead of helping me complete the transaction. This indicates that they knowingly restrict certain merchants but refuse to disclose those restrictions. 

This lack of transparency prevents me from using the card responsibly. I can not avoid declines if Destiny/Concora will not tell me which merchants they block or why. Their refusal also creates unnecessary barriers that impact my ability to use the account as intended. 

What I have done : I contacted customer service several times, but Destiny/Concora refused to provide : A written reason for the decline A list of restricted merchants An explanation of the fraud alert Any assistance beyond telling me to use another card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report with Equifax. I believe these items are inaccurate, and I request that they be investigated and corrected accordingly. 

Inquiries : US DEPARTMENT OF EDU, XX/XX/year> Late Payment : XXXX CARD, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: UT

Complaint narrative:
I am disputing the following accounts reported as charged-off : XXXX XXXX Account ending XXXX, reported XX/XX/XXXX, balance {$690.00} XXXX XXXX XXXX Account ending XXXX, reported XX/XX/XXXX, balance {$860.00} Late Payments : The following late payments are inaccurate and I request their removal or correction : XXXX XXXX XXXX Account ending XXXX XXXX  CR Account ending XXXX Please conduct a thorough investigation and update my report as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES ( TU ) XXXX  XX/XX/XXXX LATE PAYMENTS ( TU ) 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 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just pulled my report and noticed that the account I reported still reflecting on my report. And this is against Consumer Reporting Act already. The account does not belong to me. I want this account permanently deleted off my report within the XXXX business days.

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 2025-11-25 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: NC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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: FL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am writing to dispute the accuracy of the following accounts appearing on my credit reports, as they contain errors and discrepancies. I request that the listed accounts be investigated and corrected according to the guidelines set forth under the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the accounts that are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-25 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 submitted formal disputes to TransUnion on XX/XX/year>, and again on XX/XX/year>, concerning inaccurate and unverified information in my credit file. The disputed items include multiple tradelines reported by furnishers that contain data discrepancies, factual inaccuracies, and unverifiable information. My letters identified clear inconsistencies across the national credit reporting agencies and provided supporting evidence. 

TransUnions responses failed to demonstrate that a reasonable reinvestigation was conducted or that original source documentation was obtained from the furnishers, as required by 15U.S.C. 1681i ( a ) ( 1 ) ( A ) ( E ). Furthermore, TransUnion has continued reporting this information without verifying its accuracy using reasonable procedures, in violation of 15U.S.C. 1681e ( b ). 

To date, TransUnion continues to report these disputed items without demonstrating full compliance with its statutory duties.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
did not authorize these inquiries and have no record of applying for any credit accounts or services with XXXX during this time. These inquiries are appearing on my credit reports with Experian, XXXX XXXX XXXX, and they are negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA 611 ), I have the right to dispute inaccurate or unauthorized information. I am requesting that : 1. Each credit bureau investigate these hard inquiries with XXXX. 
XXXX. XXXX provide proof that I authorized these inquiries. 
XXXX. Any inquiries that can not be verified as authorized be removed from my credit report 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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have a checking and savings account with Truist. I had to withdraw {$40000.00} from my account. I went to a Truist Bank branch located on XXXX XXXX XXXX XXXX XXXX XXXX, where XXXX XXXX informed me that the amount had to be ordered and that it would take a week to arrive. I explained to XXXX that I was going out of town to visit my XXXX and XXXX parents and needed to leave them with money. XXXX mentioned that she could withdraw {$20000.00}, and that I could withdraw the other {$20000.00} from another branch, which would work. I received the {$20000.00} from XXXX 's branch. XXXX mentioned that there was another Truist Bank branch about XXXX miles down the road. I then went to the Truist Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The lady said, " Can I help you? '' I approached her and said I need to withdraw cash. She then asked how much, and I said {$20000.00}. The male teller to her left said something in a language I did not understand, and the lady teller informed me that they can order up to {$10000.00}. I was perplexed. I mentioned my experience at the other branch with XXXX. I showed her my withdrawal receipt and XXXX 's business card. She was adamant. I asked to speak to the branch manager, and he pointed to XXXX XXXX 's " XXXX XXXX '' office. As soon as I headed to XXXX XXXX 's office, the male teller to the left of the female teller walked very fast to XXXX XXXX 's office, I guess to alert him of me. I knocked on XXXX XXXX 's office, and the male teller tapped XXXX XXXX on his left shoulder. I knew XXXX XXXX would not be very receptive to me. XXXX XXXX looked up at me and asked, " What are you going to use the money for? '' I was taken aback. I am sixty-one years old and have never been asked such a question. I answered, " That it is XXXX of your businesses. '' May I please have XXXX of your business cards? '' He handed me his business card, and I left for another branch. I arrived at the Truist Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX XXXX, assisted me. Did not ask me any questions. Only needed my ID and Debit card, which I proved, and within a few minutes, I had my {$20000.00}. I will never know what caused the disturbing experience with XXXX XXXX and the teller. 

Sincerely, XXXX XXXX XXXX XXXX FL

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 2025-11-25 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: AL

Complaint narrative:
Dear Sir/Madam, I am disputing the following information reported on my Experian credit report. Please review and correct these inaccuracies, as they are impacting my credit score. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Issue : This account has been incorrectly reported as " charged off. '' Please review the status of this account. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account shows a {$0.00} balance under " charged off. '' I need verification of this entry. 

Inquiries : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Issue : These inquiries were made without my consent. Please remove them from my credit report. 

Late Payments : XXXX XXXX  Account Number : XXXX Issue : The payment information is incorrect. Please verify the payment history for 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 2025-11-25 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:
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information on my TransUnion credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 609. I request that you investigate the following accounts for discrepancies and provide corrections where necessary : Disputed Accounts : XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$820.00} Issue : The account is incorrectly listed as " Closed '' with multiple inaccuracies regarding the late payment history. This account should reflect accurate reporting in line with the FCRA requirements. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$960.00} Issue : This account is marked as " Collection '' with inaccurate late payments, which does not align with the FCRAs stipulations on accurate payment history and account 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