vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a certified dispute letter to Equifax on XX/XX/year>, regarding a collection account being reported by XXXX XXXX XXXX ( XXXX ) for {$630.00} from XXXX XXXXXXXX XXXX  This account was also disputed directly with XXXX  on the same day via certified mail. 

XXXX never responded by mail. Instead, they sent an email weeks prior ( XX/XX/year> ), but never mailed any documents to validate the debt or comply with the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this, Equifax verified the account as accurate, even though the furnisher failed to validate the debt within the required XXXX window. XXXX had a duty under the Fair Credit Reporting Act ( FCRA ) to conduct a proper reinvestigation but failed to do so. 

This constitutes a serious violation of FCRA 15 U.S.C. 1681i. Ive provided : A certified mail receipt dated XX/XX/year> A copy of the dispute letter Screenshot of the continued reporting Screenshot of the email XXXX  sent without mailing validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
In XX/XX/XXXX, I disputed inaccurate derogatory reporting by XXXX XXXX XXXX on my TransUnion credit report specifically, a XXXX late payment and a {$6700.00} charge-off. Both are factually incorrect. The vehicle loan was paid in full and closed on XX/XX/XXXX, confirmed by payoff documentation issued by XXXX XXXX XXXX XXXX. 

This is now my third formal dispute, and TransUnion has still failed to correct the record. In response to my previous disputes, they merely updated remarks and ratings, but left both the charge-off and XXXX delinquency intact without justification. 

As allowed under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I also requested the documentation used to verify this derogatory information. TransUnion did not provide any verification evidence or explanation of reinvestigation procedures. 

This repeated failure to reasonably investigate and correct inaccurate information is a clear violation of : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide verification details I am asking the CFPB to hold TransUnion accountable. I also respectfully request that the CFPB help me connect with a consumer protection attorney familiar with FCRA litigation, as I am preparing to pursue legal action due to the material and ongoing damage to my credit standing. 

Requested relief : deletion of the charge-off and XXXX delinquency, written confirmation of correction, and disclosure of all reinvestigation procedures and verification evidence relied upon.

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 2025-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I disputed inaccurate derogatory reporting by XXXX XXXX XXXX on my TransUnion credit report specifically, a XXXX late payment and a {$6700.00} charge-off. Both are factually incorrect. The vehicle loan was paid in full and closed on XX/XX/XXXX, confirmed by payoff documentation issued by XXXX XXXX XXXX XXXX. 

This is now my third formal dispute, and TransUnion has still failed to correct the record. In response to my previous disputes, they merely updated remarks and ratings, but left both the charge-off and XXXX delinquency intact without justification. 

As allowed under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I also requested the documentation used to verify this derogatory information. TransUnion did not provide any verification evidence or explanation of reinvestigation procedures. 

This repeated failure to reasonably investigate and correct inaccurate information is a clear violation of : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide verification details I am asking the CFPB to hold TransUnion accountable. I also respectfully request that the CFPB help me connect with a consumer protection attorney familiar with FCRA litigation, as I am preparing to pursue legal action due to the material and ongoing damage to my credit standing. 

Requested relief : deletion of the charge-off and XXXX delinquency, written confirmation of correction, and disclosure of all reinvestigation procedures and verification evidence relied upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I returned an item to XXXX and specifically told them not to refund the money to my original account, because it is closed. However, XXXX still processed the refund to that closed account on XX/XX/XXXX, but the bank account was closed on XX/XX/XXXX. 


Ally Bank says they never received the money, since the account no longer exists. They claim the refund was unsuccessful. 

XXXX insists they refunded the money successfully. Ive called both companies at least five times, and no one gives me a solution. 

Im stuck in the middle with no refund and no help. I am requesting that the CFPB investigate this issue and help me recover my money.

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 2025-07-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your 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 2025-07-23 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: MO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your 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 non-monetary relief
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I got a credit card from PenFed in XXXX. Initially, I could access my account online. It was then blocked and I was told they needed verification. I sent the three documents required and they kept saying they didn't find them or there was something wrong with them. Finally, they verified the documents on XXXX XX/XX/XXXX, but I was still not given access. I sent an email on XXXX XX/XX/XXXX stating that I still couldn't access my account. I never received a reply. They then asked for a social security card with all corners showing ( even though the numbers were visible ). I made payments every month even without the access because I didn't want to my payments to be past due. I still got an emails in XX/XX/XXXX stating that my payments was overdue. On XXXX XX/XX/XXXX, I called and spoke with XXXX who stated that I had fees for late payments. I stated that I made the payments on time every month. I even paid the amount they said was overdue on the same day. XXXX then stated that the fees would be refunded. This hasn't happened. On XXXX XXXX, I called and spoke with XXXX and she refused to give me the balance I need to pay stating that I need to send a picture of the social security with the XXXX XXXX showing for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Formal CFPB Complaint Ongoing FCRA Violations by Equifax, Experian, and TransUnion To Whom It May Concern, I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the ongoing failure of Equifax, Experian, and TransUnion to properly respond to my repeated disputes under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting multiple disputes regarding inaccurate and potentially unverifiable information on my credit report, the bureaus have failed to take corrective action or issue a legally sufficient response as required by law. 

Instead of performing proper reinvestigations, the bureaus have issued vague and unsupported " verified '' responses without providing the method of verification, in direct violation of : 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy Disputed Items That Remain Unresolved : Charge-Off Creditor : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid Account ) Creditor : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information Address XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX Personal XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Employer XXXX Employer Listed : XXXX XXXX Inaccurate Employer Information Employer Listed XXXX XXXX XXXX Failures Specific to TransUnion : Despite my prior correspondence, TransUnion has not provided the following required details : The specific method used to verify each disputed item The name, title, and contact information of the furnishers who allegedly verified the information Any documentation or records used during the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 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: IL

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
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

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 2025-07-23 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 victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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