vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : 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 non-monetary relief
Consumer complaint received 2025-12-29 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not only necessary, it is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Timeline of Events Navy Federal Credit Union Prior to Charge-Off, I maintained an active account with significant monthly deposits until a portion of my income was lost. 

Checking account became overdrawn. XX/XX/year> I proactively contacted Navy Federal Credit Union seeking to make payment arrangements. 

Initial Communication XX/XX/year> Navy Federal representative advised me I could not make payments until the account charged off. 

I specifically asked whether my savings account would be affected. 

I was explicitly told NO, that my savings account would not be impacted. 

Reliance on Information Based on this assurance, I redirected my employment income from my current employer to my Navy Federal savings account to maintain financial stability. 

I made an arrangement to pay {$50.00} weekly, I would call in to do so on XX/XX/year>. {$50.00} was collected from Savings on XX/XX/year> Subsequent Action by Navy Federal My savings account was frozen without prior notice. 

$ $ was restricted, representing my only accessible income. 

Hardship Disclosure I informed Navy Federal that the funds were needed for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I advised both the collector and a branch employee my XXXX XXXX was extremely high and that I needed my XXXX. 

Attempted Resolution I visited a Navy Federal branch in person. XX/XX/XXXX and XXXX I requested assistance from a supervisor or branch manager and was denied. 

I was referred only to collections, despite already attempting to work with an outside agency. 

Account Servicing Call While in the branch, I contacted Account Servicing with Navy Federal. 

I spoke with a representative named XXXX. 

I again explained the hardship and reliance on prior information. 

I requested a supervisor or department manager. 

I was told the department has no supervisor or manager. 

Current Status Funds remain frozen. 

No hardship accommodation or partial release has been offered. 

I remain willing to repay the obligation and am requesting only reasonable access to funds for basic living and medical needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
discover credit card closed my good standing credit back in XXXX, as i was not using credit card.however there was a balance of {$3.00}, which for some reason i did not seem to find i received, i came across the statement when trying to clear out old statement and called them on XXXX XX/XX/XXXX informing if they could verify if the payment was sent and cashed or which account it was sent to, The agent stated she reissue the check. However then i get a statement saying i am delinquent and i called them on XXXX XX/XX/XXXX informing them i was not delinquent and was issued the check as owed. the agent advised seems an error on discover as they did not cancel original check and issued a new one. I said to agent this better not effect my XXXX score and was sent to dept to verify after she noted account, I spoke rto credit reporting department who then left me on hold while reading notes and cut me off in the process. i tried reaching back no joy, but assumed as noted they correct as there error. I was wrong and they reported it to credit reporting which effected my score and ruined my XXXX as also my spouse got effected.I called on the XXXX XX/XX/XXXX and was told I had to write a letter and basically deal with correcting myself through the credit bureau by writing in and explaining it. I was not prepared to do that so Ihave spoken to executive office who said they correct it but this is not acceptable and they should be held accountable for this error and stress and inconvenience it has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I noticed multiple inaccuracies across all three of the credit bureaus from creditor XXXX XXXX. These inconsistencies demonstrate a failure to maintain maximum possible accuracy as required by FCRA 1681e ( b ). The reporting of contradictory data constitutes misleading representation of the alleged obligation and violates FDCPA 1692e. Additionally, the continued dissemination of inaccurate consumer financial data reflects a failure to safeguard information in compliance with the Gramm-Leach-Bliley Act.

A charge-off is a one time event not something that can be reported over and over again. Reporting inaccurately is both misleading and harmful and drags my credit down unfairly.

Im asking for the XXXX XXXX account to be completely removed from my credit report PERMENANTLY.

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 2025-12-29 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: FL

Complaint narrative:
I noticed multiple inaccuracies across all three of the credit bureaus from creditor XXXX XXXX. These inconsistencies demonstrate a failure to maintain maximum possible accuracy as required by FCRA 1681e ( b ). The reporting of contradictory data constitutes misleading representation of the alleged obligation and violates FDCPA 1692e. Additionally, the continued dissemination of inaccurate consumer financial data reflects a failure to safeguard information in compliance with the Gramm-Leach-Bliley Act.

A charge-off is a one time event not something that can be reported over and over again. Reporting inaccurately is both misleading and harmful and drags my credit down unfairly.

Im asking for the XXXX XXXX account to be completely removed from my credit report PERMENANTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have made several complaints and NO resolve. I have satisfied the company 's response by mailing verifying information to Experian, along with the request that my account continues to be unfrozen, fraud alerts removed and my personal information change fraudulently, which leads to hard inquiries and credit apps completed fraudulently. This is an ONGOING issue with Experian since XX/XX/XXXX but has gotten increasingly worse as months gone on, averaging fraudulent activity as above mentioned XXXX monthly. I have requested a password/pin # or anything to improve the security of my credit report ( since the fraudsters have gotten my credit report and have my information, they are able to answer the online and phone verification process as well. I have requested by phone and in writing ( XXXX in writing in XX/XX/XXXX ), to keep my fraud alerts on, my freeze enabled and no changes to my personal information. Their response is that I have requested this information to be changed, which is untrue, I have notified them several times of the identity theft and provided a copy of my identify theft passport issued by the Attorney General 's Office. XXXX  is unable to keep my personal information and credit report secure and this is causing a great deal of stress, breaches in data and time. I WANT BETTER security so that this fraud will end and my information is protected. I also pay for their monthly monitoring services which has done nothing!!!

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 2025-12-29 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: NV

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful credit reporting by XXXX Bank and the consumer reporting agencies concerning a XXXX credit card account ending in XXXX. I am not disputing ownership of this account. My dispute is based solely on factual inaccuracies, internal contradictions, and improper charge off reporting that appear across my credit reports. 

This account is being reported inconsistently across all three consumer reporting agencies. TransUnion, Experian, and XXXX  each display different dates of last activity, different reporting and verification dates, different charge off timelines, different high balance figures, and conflicting account remarks. A single account can not lawfully have multiple factual histories at the same time. These inconsistencies demonstrate that the information can not meet the Fair Credit Reporting Act requirement of maximum possible accuracy. 

In addition, this account is being reported as Collection or Charge Off on a recurring monthly basis. A charge off is a one time accounting event, not a continuing monthly status. Repeatedly reporting a charge off month after month falsely exaggerates the severity of the account and misrepresents its true status. This type of reporting is misleading and not accurate. 

Despite XXXX reporting this account as charged off and reporting the unpaid balance as a loss, I have never received an IRS Form 1099 C, any debt cancellation notice, or any documentation explaining whether the debt was forgiven, sold, or retained. If XXXX is reporting a loss, it must be able to document how the debt was treated and whether required disclosures were issued. No such documentation has ever been provided. 

The tradeline also contains contradictory dispute status language. It simultaneously reflects that the account is not disputed, that account information was disputed by the consumer and met requirements, and that a prior dispute was resolved. These statements can not all be true at the same time and further demonstrate inaccurate reporting. 

I have disputed these inaccuracies previously, yet the issues persist. Minor updates, balance adjustments, notation changes, or partial corrections do not resolve the underlying inaccuracies. Unless this account is either fully removed or reported with completely identical, accurate, and documented information across all three bureaus, it remains legally inaccurate. 

I have retained copies of my credit reports and documentation showing these discrepancies. Continued reporting of this account without full accuracy exposes XXXX Bank and the consumer reporting agencies to further regulatory and legal action.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Re : Formal Dispute of Inaccurate Personal Information Consumer Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> To Whom It May Concern, I am writing to formally dispute inaccurate and misleading personal information currently being reported on my Transunion credit file. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) and 1681i.

After reviewing my credit report I discovered that Transunion is reporting multiple misspelled, incomplete, and inaccurate versions of my name, as well as addresses that do not belong to me and are not current or valid. This information is incorrect and does not accurately reflect my true identity. 

My correct and legally verifiable personal information, as shown on my government-issued Louisiana Commercial Drivers License ( copy enclosed ), is as follows : Correct Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX Any other variations of my name, including but not limited to misspellings, abbreviations, or altered middle names, as well as any addresses other than the one listed above, are inaccurate, misleading, and must be deleted immediately. 

Reporting multiple name variations and incorrect addresses creates a serious risk of file mixing and violates duty under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy. If XXXX can not verify this disputed information as 100 % accurate and attributable to me, it must be removed from my credit file. 
. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I started a refinance the bank contacted me that they were unable to pull report from TransUnion. I contacted Trans on XX/XX/XXXX they advised there was no issue and that problem was more than likely on bank side so I contacted bank and told them. I went on to my account with TransUnion and I was not able to put my report. I went on to chat and this person said there was a issue with my report it had to go into maintenance should be clear 5 days. Contacted on XX/XX/XXXX they said the issue had not been cleared. Got a letter XX/XX/XXXX which had no explanation of problem. Called again on XX/XX/XXXX they advised still working on the issue. I waited till XX/XX/XXXX called them again. They said the letter I was sent was that the creditor had reported errors to my account. I needed to call the creditor. I contacted the creditor and they found no problem with my account. They were going to resend to TransUnion. The gentleman I talked to said that I am not the first person that has had this issue he has gotten other callers with the same problem. I again called TransUnion this time the person that answered the phone about my problem said they could not find any problems and that the banks should be able to pull it. This is ongoing and I am unable to get the refinance without the report. There is no freeze on the 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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an auto loan assigned to Western Funding , Inc. for a used XXXX XXXX XXXX, purchased on XX/XX/XXXX. 

The vehicle was not delivered on the day of purchase, and I was not allowed to test drive it because the dealer stated the brakes were damaged. Despite this, the sale was completed. 

When the vehicle was finally delivered, the Check Engine light was ON. The dealer refused to perform a diagnostic scan and gave false explanations. 

I immediately contacted Western Funding and followed their instructions to obtain a certified mechanical inspection. The inspection revealed severe pre-existing defects, including major transmission and suspension failures. A second inspection by the dealers own mechanic confirmed the same defects. 

The proper repair required a heavy-duty transmission rebuild costing approximately {$4000.00} with a one-year warranty, which the dealer refused to authorize. Instead, they attempted to perform a minimal temporary repair. 

I rejected the vehicle and filed a fraud complaint. I do not accept repairs and am requesting rescission of the contract. 

Additionally, I do not speak or understand XXXX. This was known to the dealer, as all communication was in XXXX. The contract was provided only in XXXX, without translation or explanation. Therefore, there was no informed consent. 

I request that Western Funding cancel the contract, release me from all loan obligations, and suspend any collection or credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
A collection account from Southwest Credit Systems , Inc., with an original creditor listed as XXXX, was placed on my XXXX credit report without any prior notice to me. 

I never received any written notice, letter, or communication from this company before the account appeared on my credit report as a collection account with a balance of approximately {$380.00}. The first time I became aware of this alleged debt was through my credit report. 

Placing a collection account on a consumer credit report without first providing the required written notice deprives the consumer of the opportunity to review, validate, or dispute the debt before harm occurs. Credit reporting constitutes collection activity, and no initial notice was provided prior to this reporting. 

Because no notice was received, the reporting is inaccurate and unfair, and it misrepresents compliance with federal consumer protection laws. 

I am requesting that the CFPB investigate this matter and require the company to delete the collection account, provide proof of lawful notice if it claims one was sent, and ensure compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief