vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXXXXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX, T - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal has violated my rights.

I looked at my credit bureau credit report on XXXX XXXX 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 15 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 generally, 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a letter from Barclays credit card company that an application for a Priceline VIP Rewards Credit Card was made on XX/XX/year>. They stated they needed more information to determine the status of my application. I did not apply for this credit card and have no knowledge of who would have. Whomever applied had my name and address as well as my personal information to apply. 

I contacted Barclays and they are closing the application and marking as " fraud ''. 

I also will be contacting credit bureau to inform them of this fraud

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
b'What company is this complaint about?\nJPMorgan Chase & Co.\n\nChase reported a late payment on my credit card account that caused a XXXX XXXX  in my credit score (from XXXX XXXX XXXX  This late payment was inaccurately reported due to Chases mishandling of my account.\nSpecifically:\n\tChase locked my online account and kept it on paperless billing, preventing me from accessing my balance, statements, or dispute portal.\n\tChase changed my credit card number without notifying me (from 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which caused me to lose access to the dispute and account information for the original card.\n\tI disputed XXXX in unauthorized charges and paid the remaining balance of XXXX XXXXn full.\n\tI received no communication from Chase about the disputed charges and reasonably assumed they were reversed.\n\tIn XXXXXXXX after numerous calls, Chase disabled paperless billing so I could receive a statement. I immediately paid the remaining balance.\n\tDespite this, Chase reported a late payment, refused to investigate, and did not correct the inaccurate reporting.\nThis situation has severely impacted my credit score and financial well-being. I request that the CFPB assist me in getting Chase to correct my credit report and investigate their mishandling of my account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CT

Complaint narrative:
This letter serves as a formal notice that my credit report contains fraudulent and unauthorized entries that I did not initiate, authorize, or approve. These accounts are false and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for reporting inaccurate and misleading information on my credit report regarding a XXXX XXXX account ending in XXXX. 

This account was charged off and never paid. However, TransUnion is reporting this account with remarks suggesting that it was Paid and is still showing a balance. These remarks are inaccurate and were not authorized by me. I believe a third-party data furnisher may have updated this accounts status without my consent or without proper verification. 

In addition, XXXX  and XXXX  report this account differently, with no balance and no paid remarks. This inconsistency across bureaus raises concerns about the accuracy of TransUnions reporting and whether the information can be verified. 

I am requesting that the CFPB : Investigate how TransUnion verified this information Require TransUnion to remove or correct the account if it can not be verified directly with XXXX XXXX XXXX TransUnion uses only my current identifying information ( my updated address and employer ) in any reinvestigation Thank you for your assistance in resolving 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 2025-07-09 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: MI

Complaint narrative:
I am submitting additional evidence for my XX/XX/year> CFPB complaint XXXX XXXX against XXXX XXXX XXXX ( XXXX ) and Transunion. On XX/XX/year>, XXXX issued a letter refusing to investigate further or provide any legal documentation. To date, XXXX has not submitted a bill of sale, chain of title, or proof of assignment from XXXX XXXX. 

As I documented previously, this account was securitized by XXXX XXXX and is no longer legally owned or assignable. This is confirmed in the SEC-filed Omnibus Securitization Agreement ( Exhibit 4.1.1 ), which states : XXXX does hereby assign all of its right, title, and interest in, to, and under the Receivables Purchase Agreement, the Pooling and Servicing Agreement and the Indenture to XXXX under the XXXX  XXXX XXXX XXXX and the XXXX  XXXX XXXX XXXX XXXX 

This confirms that XXXX XXXX permanently transferred ownership of its receivables into a trust structure. As a result, XXXX XXXX had no legal right to sell this account to XXXX, and XXXX has no legal standing to report or collect on it. 

Based on this, there is no way TransUnion could have verified or validated this account. XXXX has not produced any documents that meet the legal standard of verification under the FCRA, and TransUnion had no valid basis to mark this account as verified as accurate. 

This account is legally unverifiable and must be permanently deleted from all consumer credit reports.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-09 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: MI

Complaint narrative:
This is a formal notice disputing the validity of a hard inquiry that appears on my credit profile. I did not authorize this access, and no application or consent was ever submitted from my end.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: VA

Complaint narrative:
I have a dispute for {$190.00} from a merchant named XXXX on Cash App, I had submitted this dispute multiple times with information regarding USPS mishandling my package and requesting me to contact the merchant for a refund or reshipment. The merchant refused to assist with either, leaving me out of my hard earned money. Cash app has denied this dispute multiple times with no proof being shown as to why after I have sent an email from USPS before showing it was misdelivered, also providing emails from the seller showing I requested a reshipment or refund prior to filing a dispute with Cash App, and the merchant was not helpful at all. Cash App needs to be investigated for not properly investigating disputes and automatically denying customers of their money who use their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 have not supplied proof under the doctrine of estoppel. by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$60.00}, DEPTEDXXXX balance {$7600.00}, deptedXXXX balance {$4700.00}, DEPTEDXXXX BALANCE {$4200.00}, DEPTEDXXXX BALANCE {$6500.00}, 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 2025-07-09 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 want to remove all negative items from my report

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 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a collection account that has been reported to my credit report by PRO COLLECT. I never applied for credit, services, or entered into any agreement with this company. I did not authorize the reporting of this account, nor did I provide written consent for my information to be shared or accessed.

This is a direct violation of 15 U.S.C. 1681b, which requires a permissible purpose ( including written consent ) before accessing or furnishing a consumers credit information. The collection agency failed to obtain this permission. Additionally, this may be a violation of 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate or unverifiable information.

I am requesting a full investigation and the immediate deletion of this unauthorized account from my credit report, as required under the Fair Credit Reporting Act. I am also requesting documentation proving their permissible purpose and my written authorizationif none exists, this account must be deleted 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 2025-07-09 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-09 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-09 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Colorado XXXX XXXX XXXX [ Date ] To : [ Experian / Equifax / TransUnion OR Original Creditors Name ] [ Credit Bureau or Creditors Address ] Subject : Formal Dispute of Inaccurate Charge-Off on Credit Report Request for Investigation and Validation Under FCRA Dear [ Credit Bureau or Creditor Name ], I am writing to formally dispute the reporting of a charge-off account listed under the name [ Creditor Name ] and account number ending in [ Last 4 Digits of Account Number ] on my credit report. I assert that this debt is being inaccurately reported, as it appears to have been securitized and sold, and therefore the creditor no longer retains a lawful right to continue reporting it as an outstanding charge-off under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq.

According to my understanding, when a debt is securitized, it is pooled and sold to investors, and the original creditor relinquishes the legal right to continue reporting the debt as a charge-off in their name. If this is the case, any continued reporting would be misleading, inaccurate, and a direct violation of FCRA 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing information known to be inaccurate. 

Further, under 15 U.S.C. 1681i, I am requesting a reinvestigation of this account. You are required to : 1. Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate ; 2. Notify the furnisher of the disputed information ; 3. Delete or correct the information where necessary ; 4. Provide me with a written record of your findings and the method used in the investigation.

In addition, I am requesting under Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ] that you provide me with complete documentation regarding this account, including : Verification that this charge-off was not securitized and sold ; A copy of the original signed contract bearing my signature ; Detailed documentation from the original creditor showing the chain of title or ownership of the alleged debt ; Proof that the creditor completed a legitimate investigation in compliance with 15 U.S.C. 1681s-2 ( b ), including their response to the reinvestigation.

Failure to properly investigate and respond to this dispute may constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, both of which can result in liability for damages. 

I demand that this account be removed from my credit report if you can not provide all of the information requested above. Please complete your reinvestigation within the 30 days as required by law, and send me a written response with all findings and documentation. 

Sincerely, XXXX XXXX XXXX [ Signature, if mailing ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 my credit report and discovered an inquiry that I did not authorize. I want to emphasize that at no time did I grant permission for my credit file to be accessed by this entity.

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 2025-07-09 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: NC

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ).

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am trying to get credit cards through Capital One as I already have a car loan through them. On my account online, it is showing a XXXX Secured Card thar was charged off ending in XXXX. This account was paid in full and agreed to be deleted from all systems and paid in full. 

Capital One ( CO ) has this account still linked to my name as charged off which is preventing me from opening up any new credit cards. I have spoken to many reps who stated they would take care of it but has not.

Company response to consumer: Closed with explanation