vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously disputed multiple tradelines that are being reported inaccurately and requested full removal or correction. Despite my disputes, the company continues reporting the same tradelines without providing any meaningful, evidence-based explanation showing how the information was determined to be accurate. 
This conduct violates the duty to maintain reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and the duty to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ). If the company claims the information was verified, I am requesting the full method of verification required by 15 U.S.C. 1681i ( a ) ( 7 ) including what source ( s ) were contacted, what documentation was reviewed, whether an ACDV/e-OSCAR process was used, and the specific basis for continuing to report the disputed tradelinesrather than a generic statement that the items were verified. 
I am requesting CFPB assistance because the inaccurate reporting is causing ongoing harm, and the company has failed to resolve the matter through normal dispute channels. 
The following accounts are reported in connection with my file : XXXX - XXXX  XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00}

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I entered into a XXXX XXXX XXXX XXXX  ( XXXX ) for the purchase of a motor vehicle, including a {$3000.00} cash down payment which I personally tendered at the time of the transaction. After execution of the contract, Ally Bank/Ally Servicing LLC assumed servicing responsibilities for my auto loan account. From XXXX through XXXX, I made more than regular monthly payments to Ally. After 3 years of payments totaling {$17000.00} the Remaining Balance is {$21000.00} on an original amount of {$25000.00}. This is mathematically impossible. No compliant accounting system generates such conflicting figures. These figures contradict payment history, posted extensions, and simpleinterest math. Ally has manufactured delinquency and inflated my balance through misapplied payments ( XXXX separate accounts ), My account reflects numerous misapplications, unexplained reallocations, and payment postings that do not correspond to the dates the payments were made. Ally returned several payments including {$580.00} ( returned 7 days later ), {$600.00} ( returned 4 days later ), {$600.00} ( returned 2 days later ) and {$570.00} ( XXXX XXXX returned 5 days later ). These returned payments artificially created delinquency, which Ally then used to justify late fees, additional interest, repossession threats, negative credit impact, and balance inflation. Ally has also breach of contract with a refusal to honor XXXX conflicting extension agreement and deleted or withheld XXXX billing statements from my portal, preventing verification of my account ( spoliation ). 
These practices have caused severe financial hardship, emotional distress, repossession threats, and catastrophic credit damage. I had to borrow money to stay afloat, fell behind on bills, credit score dropped XXXX points, could not obtain traditional credit, experienced anxiety, the inability to sleep, my children affected by financial instability, and fear due to repeated, false repossession threats. 


I will be pursuing in filing a complaint against Ally Financial for systemic auto loan servicing misconduct under New York General Business Law 349 ( GBL 349 ), Banking Law 353, the New York Motor Vehicle Retail Installment Sales Act ( MVRISA ), the Truth in Lending Act, Reg Z 1026.41, Common law fraud/negligent misrepresentation, CFPB Servicing Guidance , UDAAP prohibitions ( Unfair, Deceptive, Abusive Acts and Practices ) and Standard NACHA operating rules for ACH returns If Ally does not resolve this matter. I also have 15 more Exhibits to support my case including the XXXX statement and XXXX statements Ally has removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft. There are fraudulent accounts, inquiries, names, addresses, phone numbers, and inquiries on my credit report. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are also fraudulent inquiries on my Experian report. XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, and XXXX XXXX GA XXXX are fraudulent addresses that are causing harm to my Experian report. There is also a fraudulent Social Security number ending in XXXX reporting to my report. Please delete this fraudulent information from my Experian report immediately. 
Credit Card Opened by the 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 2025-12-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
XXXX XXXX a third party from a credit card open fraudulently in my name still trying to Sue after 10 years ago I filed a dispute several times with no help. Its been closed and reopened several times affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This complaint is specific to XXXX XXXX disputes only. On XX/XX/year> the merchant XXXX XXXX had placed a deposit restriction on my account preventing me from initiating any transactions, I deleted my card information and revoked authorization from the merchant. On XXXX the merchant closed the restricted account permanently. The merchants own words " services will not be rendered '' along with other verbiage that supports what i have stated so far. On XX/XX/year> the merchant charged my card numerous times without my authorization or knowledge. 

Navy federal stated that because I did business with this merchant before, it was a disoute claim and not fraud. I provided all supporting documentation ( all correspondence, restriction and account closure notification ) to Navy federal. I got confirmation that all documentation was attached to my dispute claims from Navy federal. 

A few days later, all XXXX XXXX claims are closed for the reason " was charged for anount owed after services were rendered ''. I contacted Navy federal and requested to see the documents they used to come to this determination as that is not possible. They replied that because I did not submit any documentation they could only assume I was charged for services rendered correctly. Again, the dispute was that the merchant used my card without authorization where I could not have possibly initiated said transactions. 

Navy federal then stated i will get further explanation via mail. What came in the mail were several notifications stating the claims were closed not in my favor and provided blank reason. 

At no time did they attempt to properly investigate these claims or reach out to the merchant. They have carelessly closed each claim, provided no documentation that supports their decision and mailed out claim closure letters with a blank reason for each one. They have mishandled every step of this process to no one 's benifit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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

1681c2 ) that you, the Experian 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 XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$160.00}

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Called Trans union regarding Disputes that I opened and that could not be verified by Collection agency when I called them. Was curious on how trans union marked the inforamtion as accurate when I reached out to both collection agencies and the information could not be verified.

Trans union has been in multiple lawsuits this year and they are breaking multiple laws reporting on this inaccurate information. I asked for the method of verification under FCRA 611 ( a ) ( 7 ), XXXX XXXX with Trans union Special Handling teamed told me that TRans union does not verify anything, they just let the collection agency tell them its accurate, she stated they do not have to provide them any documents. WOW, laws being broken : FCRA 607 ( b ) Because the collection agency has provided no validation to me, they are in violation of FDCPA 809, and continuing to report the debt is illegal.

FCRA 611, once an item is found to be unverifiable, it must be deleted promptly not updated, not corrected, deleted. 

This is regarding XXXXXXXX XXXX  for {$290.00} XXXXXXXX XXXX  XXXX for {$2000.00} XXXX XXXX for {$620.00} and {$620.00} ( they dont even know they have duplicates ) This is crazy! How is this legal?

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} POLICE & FIRE Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: eCon Credit LP
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my

Company response to consumer: Untimely response
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 four 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 : XXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$450.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$460.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXXXXXX XXXX XXXX, Balance : {$510000.00} XXXX - Account Number : XXXX, Date Opened : XXXX XXXX XXXX Balance : {$510000.00} XXXX - Account Number : XXXX, Date Opened : XXXX XXXX, Balance : {$810000.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$110000.00} XXXX - Account Number : XXXX, Date Opened : XXXX XXXX XXXX, Balance : {$530000.00} XXXX - Account XXXX XXXX XXXX, Date Opened : XXXX XXXX XXXX, Balance : {$310000.00} XXXX - Account Number : XXXX, Date Opened : XXXX XXXX XXXX Balance : {$400000.00}

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing XXXX specific accounts on my credit report for over a year and Experian has not removed these inaccurate accounts off my credit report. I have my most recent credit report along with litigation paperwork against XXXX XXXX ( one of the accounts in dispute. ) I have also previously requested the investigation method used for what i believe Experian did not reasonably investigate into accounts : XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Experian has violated many laws and I have obtained an attorney on retainer to pursue legal action against them for violations of the FCRA- especially for violating : 15 USC 1681i, 15 USC 1681e ( b ), and 15 USC 1692g

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