vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: OH

Complaint narrative:
I submitted a second formal dispute letter to TransUnion Consumer Solutions after my initial dispute was ignored without proper investigation or resolution. I am disputing XXXX charge-off accounts inaccurately and unlawfully reported on my credit file : XXXX CARD XXXX * * * * XXXX XXXX  XXXX XXXX XXXX XXXX XXXX * These accounts are reported as collectible despite being charged-off. Under federal law, once a debt is charged off and potentially issued a Form XXXX ( as per IRS regulations XXXX, it is considered forgiven and no longer legally collectible. Reporting such accounts as active or collectible misrepresents my financial status and violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The continued reporting violates the following provisions : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report inaccurate information knowingly.

FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy in consumer reports.

FDCPA 1692g, 1692c, 1692d ( 2 ), 1692b ( 2 ) : These require proper debt validation, prohibit unauthorized contact, and ban misleading collection practices.

IRS 6050P : Requires reporting of canceled debt via Form 1099-C, which supports the claim that such debt is no longer enforceable. 

I never received the required written validation notice within XXXX days of initial reporting, as mandated under FDCPA 1692g ( a ). I also never provided written consent to be contacted, making any communication without authorization a violation of FDCPA 1692c.

In my dispute, I requested : The original signed contract ( wet-ink signatures ) Documentation validating the amount claimed TransUnion has XXXX to respond appropriately to these legal requests, continuing to damage my creditworthiness and causing emotional and financial stress. I emphasized that I am not obligated to provide XXXX of Attorney to dispute my own credit file and that template responses or stall tactics are unacceptable.

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 2025-10-06 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-10-06 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX * * is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX.S Code 1618d - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TN

Complaint narrative:
This is an ongoing issue where I am not able to use some of the gift cards purchased in 2022. I filed a complaint earlier this year and, despite multiple attempts to contact and provide information, I still have XXXX cards that continually decline. I have submitted the card numbers, copies of the cards, a copy of my DL, and copies of the purchase receipts XXXX and have received no response and the cards still do not work. Additionally, I attempted to file a claim using the website on the card and it only gives me an error message.

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 2025-10-06 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear whom this XXXX concern I the consumer and natural living person was denied credit An adverse action against me the consumer is against the law. According to the equal credit opportunity Act which is codified in XXXX XXXX XXXX and XXXX car XXXX The adverse action is hereby rejected. The credit application is financial asset ( XXXX ) ( XXXX ) as well as liquidating paper ( XXXX my social security number my credit card was use and a hard inquiry was placed on my credit. This is your opportunity to cure as well as your notice of default for servicing of the credit application. Legal proceedings maybe enacted if dishonor. Furthermore because my social security number ( credit card ) was used and I received no benefits. This is proof of fraudulent activity. I am asking for compensation for the use of my credit card and I will indeed make your company criminal and civil liable. XXXX per violation Any adverse action in consumer transactions is illegal XXXX XXXX XXXX and XXXX car XXXX XXXX offer non negotiable relief and remedy from default maybe achieved by servicing contract / self liquidating paper under regulation Z for finance charge. To dishonor this counter offer must be received within 5 days from the receipt of this notice. Under title XXXX usc XXXX my rights were violated. I am asking if you choose to dishonor this contract by not providing the listing of all factors that was involved in this consumer transactions. I am over XXXX and the age of majority I am the secured party the creator of this instrument that I didn't receive any benefit and that's fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: KS

Complaint narrative:
There are multiple discrepancies in the reporting of my student loan accounts. Specifically inaccurate payment history and regarding late payments. 

I am demanding a reinvestigation per 15 U.S.C. 1681i. 

If they can not verify the information it must be deleted. If they continue to report it inaccurate, I will be forced to take legal action.

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 2025-10-06 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
The company is trying to collect on a loan I'm still enrolled in school.I asked a year ago for a deferment. I have until XXXX  to settle my loan the company is trying to collect too early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
I am following up on my previously filed complaint because Im deeply concerned that my case with Experian has not been fully addressed or resolved. Ive gone through all the proper channels, submitted disputes, and provided supporting evidence that clearly shows certain items on my report are inaccurate and should have been removed. Yet those same items remain, and it feels like my case has either stalled or been quietly set aside without closure. 

I understand that Experian has obligations under the Fair Credit Reporting Act to ensure that all information reported about me is accurate, verifiable, and properly investigated when disputed. But despite my compliance with every required step, I have seen little accountability or progress. Ive waited patiently, but patience has turned into frustration not out of anger, but out of exhaustion from constantly having to prove myself to a system thats supposed to protect consumers, not wear them down.

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 2025-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I attempted to pay my credit card bill off early. XXXX is due XX/XX/XXXX. I attempted to make the payment on XX/XX/XXXX. Because I attempted to use a newer account of mine, PP ( XXXX ), to pay the bill, CO ( Capital One ) flagged it and froze my account. My attempt at paying my account should have no bearing on my ability to use my card to make further, necessary purchases ( I did not max out my credit limit yet with their card to my knowledge ). 

CO wants me to verify the ownership of my PP account. I attempted to do that, but long story short, PP sucks. I therefore am forgoing PP and made a payment yesterday using my old payment method. CO, however, refuses to unrestrict my account until I furnish the document they and I no longer need. 

CO XXXX XXXX department is based in the XXXX. I asked to speak to someone in the fraud department in the United States. They could not assist me and still refuse to assist me in general. If I did not need their credit card, I would have canceled the account let alone not pay the bill, ruining my over XXXX points credit score. I should not be punished for doing or attempting to do the right thing. 

Please help. I'm attaching a screenshot of recent transactions to reflect some of the above. The couple of purchases made after XX/XX/XXXX were made either before CO froze the account or some other method, which I'm unsure of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Old Republic National Title Holding Co.
State: CO

Complaint narrative:
Please see the attached letter. As discussed, I respectfully bring to the Courts attention that my signature was forged by the following individuals : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Old Republic National Title XXXX XXXX ( ORNTIC ) XXXX  has confirmed the transaction referenced below. I was not present in Massachusetts at the time the loan was notarized, and I was not aware of the transactions until today. 

I respectfully request that the Court review this matter and take any appropriate action deemed necessary. I am prepared to provide supporting documentation or testimony as needed. 

Thank you for your attention to this serious matter. 

... 
Respectfully submitted, As for this specific transaction, the XXXX, Ohio branch office of ORNTIC received an order from XXXX XXXX XXXX  on XX/XX/XXXX for the handling of a refinance loan transaction, for a new loan amount of {$360000.00}. XXXX XXXX XXXX  ( " XXXX '' ) is a XXXX XXXX, XXXX lender that operates primarily online, and offer digital mortgage services nationwide. 
The real property involved in the transaction is located at XXXX XXXX XXXX, XXXX, Massachusetts XXXX and in XXXX of XXXX was owned by XXXX XXXX and XXXX XXXX, husband and wife. Per standard procedure, ORNTIC prepared a title commitment for the refinance transaction which reflected that the real property was encumbered by a mortgage to MERS , Inc., as nominee for XXXX XXXX XXXX XXXX, recorded XX/XX/XXXX in the face amount of {$370000.00}. 
Per standard practices in a refinance transaction, ORNTIC obtained a pay-off statement from XXXX XXXX XXXX XXXX  XXXX attached. The closing on the refinance transaction was held on XX/XX/XXXX where XXXX XXXX and XXXX XXXX executed the closing documents. See attached. 
On XX/XX/XXXX, XXXX informed ORNTIC that the loan was being cancelled. The borrowers ' funds in the amount of {$5900.00}, which had been collected for closing/funding were returned to the borrowers and that was the end of ORNTIC 's involvement in this transaction.

ORNTIC was not involved in any manner in the subsequent foreclosure, the transfer of the mortgage from XXXX to XXXX Bank, or any pay-off to XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2025 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Debt Validation Dear Equifax, I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name of the original creditor.

2. The amount of the alleged debt.

3. A copy of the original contract or agreement that created the debt.

4. A detailed accounting of how the debt amount was calculated.

5. Proof that you are authorized to collect this debt in my state.

Until you provide proper validation, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agency. 
Please note that any attempt to collect this debt without providing validation is a violation of the FDCPA. I am keeping records of all correspondence for future reference. 
Sincerely, XXXX XXXX XXXX ________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
Formal Legal Dispute Letter [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] [ XX/XX/XXXX ] [ TransUnion [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] Re : Formal Dispute of Credit Report Entry Pursuant to 15 U.S.C. 1681i Dear TransUnion ], NOTICE IS HEREBY GIVEN that I am disputing the following entry on my credit report, which is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

- Account Name : [ XXXX XXXX ] - Account Number : [ XXXX - Date of Entry : [ XX/XX/XXXX ] - Reason for Dispute : This entry is inaccurate because Payments and balance Pursuant to 15 U.S.C. 1681i, I demand that you conduct a reasonable investigation into the accuracy of this entry and correct the error. I also demand that you delete the entry from my credit report if it can not be verified.

Please respond to this dispute in writing, as required by 15 U.S.C. 1681i, and provide me with the results of your investigation. If the dispute is resolved in my favor, please provide me with a copy of the updated credit report. 

Sincerely, [ XXXX XXXX ] - 15 U.S.C. 1681i : Procedure in case of disputed accuracy - FCRA : Regulates credit reporting agencies and provides consumer protections

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