vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
i received a call from the fraud department XXXX XXXX XXXX, on XX/XX/year>, i wasn't able to take it because i was in the middle of work. the message stated that it was " in regards to an inquiry we received and to call back on XXXX. '' i gave a call to the number for fraud, and they stated there wasn't any inquiry. after 3 days on XX/XX/year>. i received an Email from XXXX automated system stating that i deleted my phone number from zelle, which i didn't. upon calling customer support, then fraud, then zelle, and then back to chase. they stated " Zelle isn't available to you '' i've been using zelle for years, to pay back friends and family, they called about a zelle transaction with them and i confirmed the legitimacy of the zelle transfer, but as of right now i'm restricted/ blocked on zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Could you look this over? Its late and might contain errors.

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this complaint regarding continued inaccurate and unlawful credit reporting by XXXX XXXX XXXX and [ INSERT NEW COMPANY NAME ], as well as by the credit reporting agencies XXXX XXXX and TransUnion. 

This matter concerns an auto loan for a XXXX vehicle originally financed through XXXX XXXX and now associated with the XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), administered by XXXX XXXX XXXX. I am an identified class member in that litigation, and the account in question is directly covered under that settlement. 

Because this account is part of an active class action lawsuit, it is legally contested and unenforceable until the litigation and settlement process are resolved. I have already provided the credit bureaus and the furnishers with complete notice of this fact, along with the name of the legal administrator and contact information for verification. Therefore, any continued reporting of this account as valid, collectible, or undisputed is a clear violation of the Fair Credit Reporting Act ( FCRA ) and must cease immediately. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting any information they know or have reason to believe is inaccurate. Once a furnisher has been notified of a dispute involving ongoing litigation, it no longer has any lawful basis to continue reporting the debt as valid or verified. 

Furthermore, under 1681e ( b ), credit reporting agencies have an affirmative duty to ensure maximum possible accuracy of information they publish. Reporting a debt that is subject to active court litigationwithout marking it as disputed or removing itconstitutes a knowing violation of that duty. 

This is not a request for reinvestigation. The investigation has already been conducted, the facts are documented, and the account remains in legal dispute under an active class action lawsuit. The continued reporting of this debt is an unlawful act of publication of false information in violation of FCRA 1681e ( b ) and 1681s-2, and it exposes both the furnisher and the credit reporting agencies to civil liability.

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-30 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$24.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have gone out of my way to communicate with XXXX and they have just done nothing but treat me like a criminal whenever I was the victim of a crime. Let me start up by saying Im not giving you a penny. If you want money youre gon na have to take me to court otherwise I wouldnt waste your time sending letters to me because youre not getting anything now. Keep in mind that XXXX is already aware of this, but you feel free to check in with them this happened years ago at this point my bag was lost/stolen lost and found my entire bag was found which included my phone. I had to get a brand new phone at the time my ID multiple credit cards other banks like XXXX  XXXX XXXX and XXXX XXXX had no issues honoring their XXXX fraud liability claim but XXXX didnt wan na honor it for some reason no matter what I said, and then they would say well you havent provided any new information and so I would say what exactly is it that you want to know and then they were just ignoring me so they want new information but they wont tell me what information they want I mean its a fraud situation. I didnt have exactly a lot of control over it. I didnt know the criminal who used the card or where they used it and I lost my phone as well so it took me a minute to get a new phone and to do everything again, other banks were understanding of what is occurred to me and word you know is helpful and sympathetic to to my problem but not XXXX XXXX Oh XXXX no not XXXX. They want to treat me like Im a criminal like Ive done something wrong. They went through and they did remove some of the transactions thats whats even crazier is some of the transactions apparently were fraudulent and others were not. Is there anyone out there with any common sense that can explain explained how part of them are fraudulent and part of them or not it was all the whole same scenario. I technically had XXXX XXXX credit cards. Apparently you didnt buy the other account and when theyve opened so-called investigations theyve lasted for less than XXXX hours they charged me late fees. They charged me interest which is against the law when youre investigating so why dont you get them to remove all the late fees and the interest that they shouldnt have been charging me and then actually investigate the fraud claim and I think youll find out that I dont know anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-30 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: MO

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-10-30 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: OH

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 non-monetary relief
Consumer complaint received 2025-10-30 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: OH

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND XXXX  CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-30 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-30 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Discovery Auto Sales LLC
State: TX

Complaint narrative:
Vehicle Information : Year/Make/Model : XXXX XXXX XXXXXXXX XXXX XXXXXXXX VIN ( from Title Application ) XXXX XXXX Mileage ( Approx. at Sale ) : XXXX miles Approximate Purchase/Contract Date : XXXX XXXX, XXXX Core Problem : I was subjected to deceptive pricing practices and charged an excessive, unconscionable price for a used vehicle, resulting in a total cost of {$21000.00} for a car with a retail market value of approximately {$10000.00}. Furthermore, I was not provided with legally required loan documents and was misled regarding add-on product costs. 
Timeline and Specific Issues : 1. Inflated Price : The dealer originally quoted a price of approximately {$16000.00} for the XXXX XXXX XXXX. The market value for this vehicle with the mileage listed on the title application ( XXXX ) is generally recognized to be in the range of {$8600.00} to {$11000.00}. The initial sale price of {$16000.00} was already grossly inflated compared to the vehicle 's actual value. 
XXXX. XXXX XXXX ( XXXX ) : The dealer subsequently increased the total financed amount from approximately {$16000.00} up to {$21000.00} ( or more ) and stated that this increase was due to mandatory, required insurance. 
XXXX. Failure to Adjust : I secured my own independent auto insurance coverage, which should have resulted in the immediate removal or refund of the dealer-required insurance/GAP product from the financed total. However, the final contract price remained at the inflated amount, leading to a total obligation of approximately {$21000.00}. This suggests a failure to cancel an unearned add-on product ( likely GAP or credit insurance ) or that the price increase was fraudulent and unrelated to insurance.

4. Lack of Documentation : I have never received a final, signed copy of the retail installment contract or the Truth in Lending disclosure statement. The only document I possess is the Application for Texas Title and/or Registration, along other non senses provided as evidence. This failure to provide essential loan documents prevents me from verifying the specific charges, interest rate, and terms of the loan.

5. Financial Harm : I have already paid approximately {$13000.00} if not more, toward a debt of {$21000.00} for a vehicle that I estimate is only worth {$10000.00}. I am currently paying interest on a highly inflated principal amount due to the deceptive and unconscionable sales and lending practices described above.

Requested Resolution : I request that the OCCC and CFPB investigate the dealer 's pricing practices, their failure to provide required loan documentation, and the circumstances surrounding the inflated add-on charges. I seek a review of the final contract price and, if warranted, a reduction of the principal balance to reflect the fair market value of the vehicle and a refund for any undisclosed or unearned add-on charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, Hey, hope all is well. I am writing this letter concerning the accounts listed below. I would like to bring to your attention that this is on my credit report and is having a significant impact on me. I have unfortunately experienced identity theft, and my information has been compromised, which explains the presence of these accounts on my credit report. I would like to express that these accounts are having a significant impact on me, as they do not belong to me, and I feel it is unfair to be held responsible or accountable for something that was created without my awareness.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, Hey, hope all is well. I am writing this letter concerning the accounts listed below. I would like to bring to your attention that this is on my credit report and is having a significant impact on me. I have unfortunately experienced identity theft, and my information has been compromised, which explains the presence of these accounts on my credit report. I would like to express that these accounts are having a significant impact on me, as they do not belong to me, and I feel it is unfair to be held responsible or accountable for something that was created without my awareness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Union Home Mortgage Corp
State: NJ

Complaint narrative:
UHM union home mortgage took a payment from escrow after loan was transferred and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Continues to contact me while I'm at work causing strife with my employer as they call daily anywhere between XXXX and XXXX while I'm working. My employer has told me this cant be a daily occurrence. Even trying to block the calls to stop them from ringing does nothing as their calls still go through ; making my phone go off constantly.

Company response to consumer: Closed with explanation