vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonXXXX XXXXcompliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fundo LLC
State: OR

Complaint narrative:
On XX/XX/year>, I began the application process for what I thought was a small business loan for my new business XXXX XXXX XXXX XXXX. After filling out what I thought was the application, I received an email on XX/XX/year> from XXXX requesting a copy of my ein number, articles of organization and a copy of my business bank debit card. On XX/XX/year> at XXXX I responded back to their email that I did not want to continue with the loan and wanted them to disregard my application and stop the loan application process. I received an response back from them that they would add that information to my file. On XXXX XXXX, XXXX sent me another email congratulating me on being approved. I again replied and told them I asked to stop the loan application, and I no longer want to apply. At this time I still haven't seen their loan terms, known how much I was approved for, the interest rate, or any other details for the loan. Later that day on XX/XX/year>, I received another email from them with an attachment of the agreement I am seeing for the first time. I responded back that I did not want the loan, and for the XXXX time, asked to have my application removed, and I was refusing the loan. In the late afternoon of XX/XX/year>, I got a notification that XXXX sent {$1200.00} to my business bank account. I immediately attempted to call them, but they were closed for the weekend. I then wrote an email telling them that I had requested to have this application withdrawn XXXX times before they deposited money into my account, and I did not want to continue with the loan. This company knew I was trying to cancel the loan application since XX/XX/year>, but they continued processing it anyway. They forced me into this loan after I requested to have the application process stopped when they were still asking me for documents. I want them to take the funds they put in my account back, and reverse this loan, because I backed out of the application process days before they funded my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I was not educated about the credit so when XXXX XXXX XXXX XXXX brought my debt I was not aware how illegal that was that they werent. The people who were the holders of my credit. Ive been trying to get done and the credit bureaus to remove it, but they refuse to do so both no matter how much proof I give them they have just been bombarding my credit and keeping me from being able to purchase things and homes for my children asking you guys to please help me get them off my credit report it will make such a difference. This stuff is outdated and re-aged, which is all against the law please view all attached documents showing proof of my new credit report and my 2018 you will see that the accounts are the same. They bought the old accounts that was supposed to be closed and they re-aged them XXXX  refuse to remove it. They did remove some things, but not this particular company is like theyre refusing to do so like they in cahoots with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
There is no identity theft associated with this complaint. My issue is improper dispute handling and inaccurate personal identifiers in my TransUnion file. I provided government ID and a current utility bill showing my correct PII ( legal name XXXX XXXX current address ). Despite this, TransUnion closed or treated prior disputes without fully correcting my XXXX  or providing the description of procedures required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Under FCRA 611 ( 15 U.S.C. 1681i ), TransUnion must conduct a reasonable reinvestigation and correct or delete any information that is inaccurate, incomplete, or unverifiable within the statutory timeline ; under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), it must maintain maximum possible accuracy. I also disputed several hard inquiries that lack a documented permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ) ; any inquiry a company can not certify with consumer-specific purpose should be deleted. Attached are my inquiry lists and letters showing the specific pulls at issue. 

XXXX XXXX XXXX legal points & guidance : 611 ( 15 U.S.C. 1681i ) : CRAs must conduct a reasonable reinvestigation and record current status or delete by XXXX days, with required notices. 


607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : CRAs must assure maximum possible accuracy for all information reported. 


604 ( 15 U.S.C. 1681b ) : Reports may be furnished only for a permissible purpose and must be consumer-specific ( see XXXX guidance and advisory opinion ). 


CFPB XXXX XXXX : CRAs/furnishers must reasonably investigate disputes ; they can not avoid investigation by imposing extra hurdles. 


CFPB complaint timelines : Companies generally respond within XXXX  days ; final within XXXX  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 2025-10-13 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: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX  XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX  XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, 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 2025-10-13 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this statement to report TransUnions continued noncompliance and failure to properly investigate and remove identity theft accounts from my credit report. Despite my previous disputes dated XX/XX/year>, and XX/XX/year>, I have not received a lawful resolution. I have provided TransUnion with all the necessary supporting documents, including my FTC Identity Theft Report, government-issued identification, proof of address, and a signed sworn statement under penalty of perjury confirming that the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX do not belong to me. * * TransUnions ongoing reporting of this information violates my rights under the Fair Credit Reporting Act ( FCRA ) 605B and 611 ( a ), which require them to block identity theftrelated accounts and conduct a reasonable reinvestigation within the legally mandated time frame.

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 2025-10-13 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: Westlake Services, LLC
State: MA

Complaint narrative:
On XX/XX/year>, I discovered multiple unauthorized hard credit inquiries a total of eight inquiries on my credit report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX NOWCOM/WESTLAKE FINANC , XXXX XXXX XXXX That day, I visited XXXX XXXX XXXX ( XXXX ) with the intent to purchase a vehicle in cash. I clearly told the sales staff that I was not interested in financing and did not complete, sign, or verbally authorize any credit application. When they said that financing was required, I declined and left without proceeding with any deal.

Despite this, later that same day, I found out that my credit report showed eight separate hard inquiries submitted to different lenders, including XXXX XXXX and XXXX XXXX XXXX all dated XX/XX/year>. These were made without my knowledge or consent. 

I contacted the dealership, and they denied running my credit, even though multiple inquiries clearly originated from their network of lenders. I have never applied for a loan with any of these financial institutions, nor did I provide written, electronic, or verbal authorization for a credit check.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumers credit report can only be accessed with the individuals explicit consent for a legitimate credit transaction. These inquiries were unauthorized and therefore violate the FCRA.

I am requesting that the CFPB investigate this matter, ensure that all unauthorized inquiries from XX/XX/year> are removed from my credit reports, and hold the responsible parties including XXXX XXXX XXXX ( XXXX ) and any lenders who processed inquiries accountable for the improper access to my personal credit information.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Transunion on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-10-13 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: AR

Complaint narrative:
I am submitting to formally dispute and request a reinvestigation of inaccurate payment history and reporting entries that are currently being reflected on my credit file. Upon review of my recent report, I found several accounts containing errors or outdated information that require immediate correction under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX * * * * * * * * * Balance : {$3300.00} XXXX XXXX * * * * * * * * * Balance : {$1800.00} XXXX  XXXX * * * * * * * * * Balance : {$1800.00} XXXX XXXX * * * * * * * * * Balance : {$3200.00} UNIV FCU XXXX * * * * * * * Balance : {$36000.00} Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. The credit bureau is required by law to conduct a reasonable reinvestigation of this information within 30 days. If the disputed data can not be verified as accurate, it must be corrected.

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 2025-10-13 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: AR

Complaint narrative:
I am submitting to formally dispute and request a reinvestigation of inaccurate payment history and reporting entries that are currently being reflected on my credit file. Upon review of my recent report, I found several accounts containing errors or outdated information that require immediate correction under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX * * * * * * * * * Balance : {$3300.00} XXXX XXXX * * * * * * * * * Balance : {$1800.00} XXXX  XXXX * * * * * * * * * Balance : {$1800.00} XXXX XXXX * * * * * * * * * Balance : {$3200.00} UNIV FCU XXXX * * * * * * * Balance : {$36000.00} Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. The credit bureau is required by law to conduct a reasonable reinvestigation of this information within 30 days. If the disputed data can not be verified as accurate, it must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is not spelled correctly its spelled XXXX XXXX not XXXX XXXX My address is not correct I never resided at this address XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never used this before my landlord added me onto this app but I never used this at all I use XXXX to pay my rent ( XXXX XXXXXXXX ) open XXXX, 2024 I have ask my landlord to remove from XXXX XXXX also

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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