vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XXXX XXXX XXXX, I submitted a global dispute to

Experian by certified mail ( USPS Tracking # XXXX  ), demanding reinvestigation of all negative items on my credit file, including collections, charge-offs, late payments, public records ( bankruptcy ), and unauthorized inquiries. I provided : Government-issued ID Proof of address Affidavit of Rent Payments ( supporting
positive tradeline history ) Certified mail proof of delivery On or about XXXX XXXX XXXX Experian responded with a template letter claiming limited information and refused to investigate. This is a procedural violation of FCRA 15 U.S.C. 1681i, since sufficient identifying information and documentation were already supplied. 

Experians refusal to conduct a reinvestigation, and failure to provide a method of verification, is unlawful under 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 3 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ). They are continuing to report inaccurate and/or unverifiable information, including a bankruptcy public record, in violation of 607 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union has repeatedly called family members in an attempt to contact me XX/XX/year> XX/XX/year> XX/XX/year> Vystar is calling 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
In XXXX I entered into a court-approved agreement with my former landlord to voluntarily vacate the rental unit by the end of XXXX. This came after I filed a restraining order due to improper conduct, they attempted an unlawful eviction by posting a constable notice before any legal action had taken place. The court agreement made clear : I would vacate peacefully, and no further financial claims would be pursued. There was no money judgment issued. 

At the time, I was receiving XXXX XXXX XXXX. The landlord had already been paid first and last months rent, along with a full security deposit. I also submitted rent payments via money orders, many of which were never properly recorded or receipted by the property management. 

Two months after I moved out, I received an unsubstantiated ledger dated XX/XX/year>, claiming a balance of {$710.00}. These charges were not part of any court proceeding and include vague line items like damages, partial rent, and court fees, none of which were ever validated or billed properly. 

That unverified amount was then reported to XXXX XXXX XXXX, which began reporting it as a collection on my credit reports. Since then, I have submitted numerous disputes with all three credit bureaus, including documentation such as court records, rent receipts, email communication, and balance summaries. 

Rather than conducting proper validation, the collection agency has been recycling my evidence, updating their reporting to mirror the documents Ive submitted, not providing any independent verification of their own. To make matters worse, theyve also re-aged the account by frequently changing the Date Opened and Date Updated to keep this collection active and damaging. 

Let me be clear : There is no lease, No money judgment, No public record, And no legally enforceable debt. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Whats being reported is not a collectible debt, but a fabricated balance stemming from a closed housing matter that was already addressed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$3900.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$6200.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$4000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX Balance {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: RI

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/2025, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my auto loan account XXXX XXXX XXXX XXXX XXXX  To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
This issue appears to be in violation of the provisions of 15 U.S. code 1666b and other relevant sections of the fair credit reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. code 1681i and 15 U.S. code 1681s-2 furthermore, I would like to refer to the protection Against Non-Payment of Obligations Act ( PAANL ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
This letter serves as my formal dispute of the late payment entry listed on my account. My records confirm that I have always made payments on time and in full. The reported delinquency is false and misrepresents my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I hope this statement finds you well. Im reaching out not just with a concern but with a story one that many consumers, unfortunately, find themselves living through.

While reviewing my credit report as part of routine financial planning, I discovered three hard inquiries that I do not recognize, authorize, or recall ever consenting to. These inquiries are listed as follows : XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX  XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX XX/XX/year> To be absolutely clear, I did not apply for any credit card, auto loan, or financial service that would justify these hard inquiries. Their presence is both confusing and troubling. This situation raises concerns about unauthorized access to my credit report, possible identity misuse, or a procedural failure by the reporting entities or creditors involved.

Under the Fair Credit Reporting Act ( FCRA ) : Section 604 ( a ) ( 3 ) states that consumer reports may only be accessed for specific permissible purposes, such as when a consumer initiates a credit transaction or gives written consent.

Section 607 ( a ) requires credit reporting agencies to maintain reasonable procedures to ensure that information including inquiries is only accessed under lawful and authorized circumstances. 

Section XXXX ( a ) grants me the right to dispute any inaccurate or unauthorized information, with the reporting agencies being obligated to investigate and resolve the dispute within 30 days. 

Given the above, I submitted disputes with the credit bureaus requesting that they either provide documented proof of my authorization for these inquiries or remove them immediately from my credit file. To date, I have not received adequate documentation validating these inquiries, and they remain on 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 2025-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. After recently reviewing my credit report, I discovered several accounts and inquiries that I did not open or authorize. I am requesting that these fraudulent entries be removed from my credit report immediately. 
Below is a list of the fraudulent information that does not belong to me :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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 have no connection to these accounts and suspect they are fraudulent. I ask that they be promptly removed from my credit report and thoroughly investigated. Supporting documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see attached supporting documents in regards to my identity theft claim that's SEVERLY affecting my credit report.I 've tried to do my due diligence and reach out for a resolution to the credit bureaus and have been deliberately ignored which is not only distasteful as a business but it's also VERY unprofessional and i'm sure isn't legal! This is affecting my mental health especially seeing that I had plans to purchase a home for my family soon.This is very depressing as the leader and man of the house. From my knowledge these accounts are supposed to be removed from my credit report within 4 days. I've attached all necessary documents including my report filed on identitytheft.gov, proof of identity and residence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached supporting documents in regards to my identity theft claim that's SEVERLY affecting my credit report.I 've tried to do my due diligence and reach out for a resolution to the credit bureaus and have been deliberately ignored which is not only distasteful as a business but it's also VERY unprofessional and i'm sure isn't legal! This is affecting my mental health especially seeing that I had plans to purchase a home for my family soon.This is very depressing as the leader and man of the house. From my knowledge these accounts are supposed to be removed from my credit report within XXXX days. I've attached all necessary documents including my report filed on identitytheft.gov, proof of identity and residence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: PA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts with XXXX XXXX ( ending XXXX ) and XXXX ( ending XXXX ) are being reported on my Equifax file. I never opened or authorized these accounts. Under 15 USC 1681c-2, Equifax is required to block and remove this information, but they have failed to do so. I am requesting immediate removal of these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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 am writing to dispute a fraudulent account that has been listed on my credit profile. I did not establish or authorize this account, and it is entirely inaccurate. Its continued reporting is causing unjust harm to my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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 a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
Ive reached out multiple times via us mail to get this bankruptcy and the supposed accounts attached to the bankruptcy validated with no response from the companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account with US Bank through their website under a new checking account bonus for new customers. The terms were outlined in their website and still available there. The terms were simple, open an account by XX/XX/XXXX and fulfill several requirements including ; opening the account by XX/XX/XXXX, later changed to by XXXX XX/XX/XXXX, funding the account within XXXX  days, signing up to online banking within XXXX  days, enrolling in direct deposit and have at least XXXX direct deposits within XXXX  days of account opening and if I had over {$8000.00} in direct deposits within the XXXX  days, I would receive {$450.00} after completing all the requirements. I noticed a glitch in their tracking link where I could see my progress to receive the reward that said I had not opened an account yet even though the account had been opened for over a month. A XXXX for US Bank said not to worry and that the bonus would be added to the checking account after XXXX  days. I reached out a second time on XX/XX/XXXX and was told they would escalate the issue and to expect a call back within a week. After not hearing from them I reached out again on XXXX and was told to expect a call back within XXXX business days. After no hearing from them I went to their branch and was told they could not help and I then asked to close my account if they would not honor their promotion. They moved forward and closed the account. The same day I reached out again and was told they had reviewed the account and the terms and the promotion and was told I would get a check in the mail since the account was in closing. As of this complaint, I have not heard from the bank and have not received the bonus. 
I do not have any documentation as the bank would not send any emails but according to their multiple representatives, all the notes are available in their systems and linked to my account.

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 2025-08-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief