vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
I had a car loan that was closed XX/XX/XXXX with a balance of {$0.00}. I noticed incorrect payment history on my credit report. I compared the reported payments, which conflict with my bank records. I contacted XXXX by phone on XX/XX/XXXX and requested a copy of my payment history. I also requested the total amount of late fees paid during the term of the loan, as well as the number of times a late fee was assessed. I was told I would receive these documents by email. I received an email which only included a payoff amount of {$0.00} to close my loan, which has been closed for over a year. I have disputed the payment history, and XXXX verified the history despite my bank records clearly disputing the accuracy of their reporting. I believe they have failed to properly investigate my dispute, and in doing so, they have created undue financial hardship for 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 non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Set up a hardship deal XXXX to pay off my loan in XXXX payments. On the last payment of XXXX XXXX pulled the payment at XXXX pm XX/XX/year> which is after banking hours. I get a notification from my bank at the attempt to pull the funds and that my account is over drafted. The next day ( XX/XX/year> ) after assuring the funds are in my account XXXX contact XXXX to have them pull the payment again. XXXX employee tells me I have to wait for XXXX to send notification to me that the funds were returned before processing the payment again as they dont want to double charge my account. I tell the XXXX employee the status/condition of my loan and the importance of me not missing a payment and they tell me not to worry as it could be up XXXX XXXX from the initial pull date but it would be noted on record and that it wont impact my loan. On XX/XX/year> I get an email from XXXX saying the payment was not processed. I contact XXXX again as I was told to do the day prior but this time I am told that it is too late and my loan has already been marked as a " charge off '' and sent to a different creditor/collector. Throughout my whole process of trying to rectify the situation I was lied to by employees and even giving misinformation that was inaccurate and unverifiable by the XXXX employees. They tried to tell me the loan was pulled on the XXXX and that my final day to do something was the XXXX. I asked for proof to be sent and the employee states he has nothing to send but continues to read off a confirmation number with the date being the XXXX, bluntly lying to my face hoping I didnt catch him. Next I am talking to a supervisor who tells me the loan was attempted to pulled at XXXX pm on the XXXX, again I ask for proof to be sent to my email as then it would be an issue with my bank. Again I am told there is nothing they send me. Throughout this whole process I find that XXXX employees are incompetent to address the urgency of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I dispute these inquiries, as I have no connection to them or the companies listed. I request they be removed from my credit file.

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 2025-07-31 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: TX

Complaint narrative:
I did not initiate these credit inquiries and have no ties to the listed entities. I request their immediate deletion from my credit report.

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 2025-07-31 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: TX

Complaint narrative:
XXXX reporting several inaccirate and unverifiable accounts harming my credit. Below i will list the account names and numbers. please investigate and take action under the fair credit reporting Act. 
FCRA XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
XXXX reporting several inaccirate and unverifiable accounts harming my credit. Below i will list the account names and numbers. please investigate and take action under the fair credit reporting Act. 
FCRA XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing several unauthorized inquiries currently listed on my credit report. These inquiries were made without my consent and have directly harmed both my credit standing and score. 

Despite previous assurances from your agency that these entries would be removed, they continue to appear. This persistent failure to take corrective action is unacceptable and must be addressed without further delay. 

These inquiries are potentially fraudulent, raise serious concerns of identity theft, and are causing ongoing financial and emotional harm.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year> my XXXX XXXX XXXX was charged for approximately {$230.00}. When I received my credit card statement i called the company and let them know that the charges were not made by me and were fraudulent. The company said they would do an investigation and get back to me with a result, but they never got back to me. Several months went by so I contacted them again and this time they told me that they had no record of the first fraud charge filed and told me to file again. So i filed again and the whole time the XXXX  was charging late fees ruining my credit even though the card i wasn't using it. Finally they closed the card and said that i owed them almost double the credit card charge amount which was only {$300.00}. Now a collection agency by the name of RESURGENT/LVNV FUNDING is collecting on this debt but the charges are fraudulent and i also have a copy of the fraud dispute for the charges with XXXX  from the second attempt to remove the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Early warning system used my information for monetary gain without my consent, and have not given me a report of the things they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MT

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. Bankruptcy XXXX  XXXX Docket identifier XXXX / Bankruptcy XXXX  XXXX Docket identifier XXXX / Bankruptcy XXXX  XXXX Docket identifier XXXX / XXXX  XXXX/ XXXX XXXX  XXXX / XXXX XXXX XXXX / XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

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 2025-07-31 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: CA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

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 2025-07-31 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:
I am a documented victim of identity theft and have provided each credit bureau with a police report, an FTC Identity Theft Affidavit, and proof of my identityincluding the suspect 's name and direct evidence of fraud. Despite this, all three bureaus T ransunion have failed to block or remove a fraudulent XXXX XXXX account ( XXXX XXXXXXXX ) from my credit reports. 

I have submitted disputes multiple times and received no meaningful investigation or documentation in returnjust repeated verified outcomes without actual proof. This violates several provisions of the Fair Credit Reporting Act, including but not limited to 605B, 611, 609, and 623.

The ongoing presence of this fraudulent account has caused credit denials, emotional distress, financial harm, and is a continuation of the trauma I experienced in an abusive relationship. The bureaus are ignoring their legal responsibilities, while I, the victim, have provided all required documentation. 

More information and supporting documents are attached.

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 2025-07-31 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 entry does not reflect my typical payment behavior and should be corrected. Kindly remove the late payment and update my account.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ) ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I signed up for Credit Card XXXX with XXXX  with sales person XXXX XXXX. He promised to overnight XXXX that never arrived to date. Then I called the company like XXXX times but noone would help. But on XXXX XXXX and XXXX XXXX they said they had not shipped the terminal. So I said to XXXX case number XXXX to cancel my account. She said ok. But did not do the paperwork. I put a block on Leaders from taking money from my Fulton Bank account. But they shared the info with XXXX  and XXXX kept taking fees from my account.so that is why it was missed by me. I asked Fulton bank to refund the {$1200.00} they took the case but said they are unable to refund the money I told them it was a " fraudulant withdrawl '' XXXX said the XXXX banking policies dont allow this. So please help me. I have also contacted the XXXX  company that was taking out the money and they accept the terminal was not shipped and they took out the fees. And I did not process any transactions because I received no terminal. But they wont refund. On XX/XX/XXXX, XXXX XXXX XXXX said he would refund the money to wait for 25 days. When I called on XX/XX/XXXX. They said there is no refund. I told them I did not get the terminal and was unable to use the services and XXXX said she would cancel the account. They said " we dont kno '' when asked if there was any activity on the account XXXX  acknowdged that NO there was none since XX/XX/year> as I said I did XXXX get the terminal to process anything.

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 2025-07-31 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Set up auto loan via XXXX with down payment. Received car by delivery with a sales associate who arrived extremely late past the schedule time despite the live tracker. With the first month, many issues with the car such as no oil, dead battery and many other things. Account and title were compromised along the way sometime without my consent due to ongoing fraud and identity theft. XXXX and other documents were stolen or lost at some point from my home or the parking garage at my employer. This garage does not allow anything besides valet. This only means that they get to keep your car and key for at least eight hours. If you try to check on it during your shift or ask any questions, nobody is ever available and the key box with all the keys are kept inside locked vaults. At the time of pick up, there is always a very long line and angry staff willing to argue all the time. A parking pass paid monthly and in advance doesnt give the customer * employee * any real value. You just wait until the staff is ready. I had ongoing issues with the operation of my engine, my tires going flat daily leaving there and also the staff does not mind their business, such as breaking the parking brake and also touching things inside the car without respect or authority to do so. These concerns were addressed and the staff members just stay standing there blinking their eyes at you and walk away. Next time I need to call police immediately. My car could have been compromised at this parking garage in XXXX for my employer, known as the XXXX XXXX XXXX XXXX Staff resistant constantly, you must pay no matter if your car was stolen ( for example )

Company response to consumer: Closed with explanation