vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: GA

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$150.00}

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 2025-06-17 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:
XXXX XXXX XXXXXXXX Late Payment XXXX XXXXThis Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX Late Payment XXXX XXXXXXXXThis Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX XXXX XXXXXXXX XXXX XXXX-This Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX Repossessions XXXX XXXX=This Account is inaccurate and Im seeking litigation please delete at once they sold my information to a 3rd party debt collector. My personal information was stolen in a data breach by my employer. XXXX sent letters confirming it. I need all inquiries deleted off my credit report as someone is constantly running my credit I have been disputing these items for compliance and without due process, I have been patience. I am in distress because my RIGHTS are being disregarded. I have not transferred my RIGHT to you as consumer reporting agency to furnish any private information or any inaccurate information regarding any alleged debt. Please provide an endorsement allowing you to hold my personal business in your software, if none please delete asap according the FAIR CREDIT REPORTING ACT

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Exto Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an Atlas account based on its advertised benefit of helping build credit. However, I later discovered that the credit limit was minimal, allowing only small transactions. Still, I proceeded with a single purchase of {$17.00} on XX/XX/XXXX, which I believe was reported to the credit bureaus as expected. 

In XX/XX/XXXX, Atlas abruptly restricted and blocked my account, citing vague internal reasons and an unspecified discrepancy. Since that date, I have not used the card. 

Despite the account suspension and lack of transparency, Atlas continued to charge me a monthly membership fee of {$8.00} through XXXX XXXX full year of charges for a service I was no longer permitted to use. There was no access, no communication, and no clear resolution. 

When I reached out to request a waiver of all fees incurred during the account suspension, Atlas offered only a 6-month refund. Given that the suspension was entirely at the companys discretion, with no explanation provided, I find this unacceptable. 

Please see the attached account summary for reference. As of XX/XX/XXXX, the accumulated fees total {$110.00}, following my only transaction of {$17.00}. 

Date | Amount | Description | Running balance XXXX - {$17.00} XXXXXXXX XXXX XXXX XXXX - {$8.00} AtlXXXX XXXX  XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX XXXX - {$8.00} Atlas Membership XXXX I respectfully request a full refund of all membership fees charged after the restriction began in XX/XX/XXXX. I also urge Atlas to reevaluate its policies around account suspensions and billing transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Regions mortgage had a new rep, take my payment at the counter. she told me it was late, so i made the payment and she told me i was current on my loan, i find out months later, that this was not true. i still had a payment behind, had i known this i would have paid it current. the 90 day late pay MASSIVELY hit my credit and is still on there today. i followed up with regions bank, they gave me the run around and said i could not prove the agent at the counter told me this. they sent me my payment history, which yes had late pays, DUE TO them giving me bad info. i have since sold the house, and the loan is paid off, however they refuse to take the deroggetory remarkes off my history which is silly and unprofessional to me. this is effecting my ability to get loans and refinance now. this is unacceptable to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I went through a divorce and COVID, I had a couple of car accidents, XXXX in XXXX and XXXX, also. I tried to reach out to apply for modifications. They gave us a letter which had three different options, but we were advised not to take those offers but to wait until loss mitigation completed their findings or investigations. When they finished the only offer we received was liquidation, which we told the representative that we were not willing to do. Even after all of that we continued to work with them and they told us how much money was needed to be paid, in order to pay off the principal balance and this was done. One person advised paying it down to the penny, so they would be able to work with us to get a five-year extension. We have requested information on the late fees and the forbearances and have not received any of the information. They put {$13000.00} in deferment but we do not know where that came from because they told us it was paid off. 
We were assigned several different point of contacts and a week or so later and we could reach them and they would not return our phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/, I received a letter from LVNV Funding / Resurgent Capital Services labeled Notice of Assignment. This was the first and only communication I received from them. However, this letter did not constitute a proper dunning notice under the Fair Debt Collection Practices Act ( FDCPA ), as it failed to notify me of my right to dispute the debt within 30 days and omitted critical required details such as : The amount of the debt The name of the original creditor The date the debt was allegedly incurred A statement of my right to request validation To exercise my consumer rights, I mailed a formal dispute and debt validation/verification request to LVNV Funding / Resurgent Capital Services on XX/XX/. I sent it via certified mail with tracking and it was received and signed for on XX/XX/. In that letter, I specifically requested : The original creditors name and contact information The date and nature of the alleged debt An itemized breakdown of the alleged amount A copy of any original signed agreement Proof of assignment and collection rights Rather than fulfill their obligation under 15 U.S.C. 1692g ( b ) of the FDCPA, they willfully chose to ignore my lawful dispute. They never responded with validation. Instead, in a clear act of willful noncompliance, they reported the unverified and fraudulent debt to XXXX  on XX/XX/XXXX  and XXXX  on XX/XX/. 

This action is not only deceptive but a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ) and ( b ), which requires furnishers to verify and correct information in dispute before and after reporting. Their willful noncompliance subjects them to civil liability under 15 U.S.C. 1681n, which states that a consumer reporting agency or furnisher who willfully fails to comply with any requirement may be liable for : Actual damages sustained by the consumer Punitive damages as determined by the court Attorneys fees and costs ( though I am representing myself pro se ) As a direct result of this companys unlawful actions, I have suffered the following damages : My credit score dropped drastically within days of their false reporting I have experienced excessive stress and ongoing XXXX  Ive had frequent headaches and sleepless nights since being notified of the negative credit entry through my monitoring service Ive lost peace of mind and feel that my financial security is under attack by a company misusing the system to coerce consumers These actions are not only negligent but intentional and abusive. This complaint is being submitted in support of my pending claims and requests for deletion, investigation, and appropriate financial remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CT

Complaint narrative:
Recently i checked my credit report and i noticed several inaccuracies on one of my accounts. this account is really hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy.

here is the item that i am asking you to verify as accurate. 

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 2025-06-17 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: LEXISNEXIS
State: DC

Complaint narrative:
violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ) by Lexisnexis, specifically regarding the disclosure of my nonpublic personal information to nonaffiliated third parties.

It appears that LexisNexis disclosed my nonpublic personal information without providing me with a clear and conspicuous revised notice, a new opt-out notice, or a reasonable opportunity to opt out of the disclosure, as required by law.

I request that the CFPB investigate this matter and take appropriate action to ensure that my rights are protected and that LexisNexis complies with the GLBA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Received a refund from XXXX XXXX for XXXX College since I had excess money in the account, refund was completed on XX/XX/year> however the money never entered my account, over a month later, my bank, Golden1 argues that XXXX XXXXXXXX deposited it to an incorrect account however, XXXX XXXXXXXX argues the opposite that it was sent to the correct account. Both companies refuse to assist further and both claim they arent at fault for the loss of money. Total of XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX XXXX XXXX, XXXX XXXX Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

R

einvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure 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 2025-06-17 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.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$580.00}

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX Date : XXXX XXXX To : TransUnion XXXX. XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Collection/Charge-Off Account Request for Investigation and Deletion Account Name/Number : XXXX XXXX XXXX Credit Report Date : XXXX XXXX Dear TansUnionXXXX XXXX XXXX I am writing to formally dispute the accuracy of a collection/charge-off account listed on my credit report. The account, listed under XXXX XXXX with account number XXXX, is inaccurately reported and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Reason for Dispute : The amount listed is incorrect and inconsistent with the original terms. 
The account is outdated and should no longer be reported. 

Please conduct an investigation and provide me with the results in writing. Additionally, I request that you provide : Verification of the debt, including a copy of the original contract and payment history The name and address of the original creditor Any documentation you used to verify the accounts accuracy Under the FCRA, you are required to complete the investigation within 30 days of receiving this letter. If you can not verify the account, it must be deleted from my credit report.

Please respond to this dispute at the address listed above. A copy of my photo ID and a recent utility bill are enclosed to verify my identity.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-17 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: SC

Complaint narrative:
I am a victim of identity theft. There are several fraudulent accounts on my 3 credit reporting bureaus. Ive never gave anyone permission or authorization to open these accounts. Inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief