vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Email : XXXX, Phone : XXXX, SSN : XXXX Date : XX/XX/XXXX To : Transunion Consumer Solutions To : Equifax Credit Bureau To : XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Reported for XX/XX/XXXX Account Name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Dated : XX/XX/XXXX Dear Sir or Madam, I am writing to dispute an inaccurate late payment reported on my credit report for the above account, which is listed as 30 days late for XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that you investigate and correct this error. The payment was made on time and should not be reported as late. According to my records, the payment for XX/XX/XXXX was made ONTIME the day of the due date. The inaccurate reporting of this account as 30 days late is causing undue harm to my credit profile.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this disputed information and remove or correct any inaccurate data within 30 days of receiving this notice. Additionally, pursuant to 15 U.S.C. 1681e ( b ), you must ensure the accuracy of the information you report to credit reporting agencies.

I have also sent a copy of this dispute to all 3 Credit Bureau 's to ensure they are aware of the error. I have attached copies of my identification and my consumer report. Please contact me at XXXX or XXXX if you require additional information to complete your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe mandated by the FCRA. 

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 2025-06-13 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: TX

Complaint narrative:
I opened an account in XX/XX/XXXX with XXXX. I was supposed to receive a welcome packet with all account details that would allow me access to my account to log onto portal and make payments. No welcome packet was received. I attempted to call customer service and I was informed that I needed my XXXX XXXX that would have been in my welcome packet and that since my account had not been activated via XXXX XXXX they could not look me up any other way for payment. Every XXXX I would receive a call from an unknown/blocked number stating they were with XXXX for XXXX. I would make payment and again request my welcome packet. In XXXX I received no call for payment. When I tried to call the customer service I was told that without my XXXX XXXX  they could not assist. The following month XXXX marked my account for late payment in XXXX even though they still had not provided me with necessary documentation to access my account. I did not receive the initial welcome packet until XXXX. I have requested XXXX to correct with them refusing. My last request was sent in XX/XX/XXXX asking them to remove the late payment remark. They denied then they closed my account in XX/XX/XXXX without notice even though I had been actively using the card but had a {$0.00} balance at the time.

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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Subject : Request for Waiver of Remaining Overdraft Fees M & T Bank Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an issue with overdraft fees charged by M & T Bank. 

Recently, I was charged four separate {$15.00} overdraft fees on my M & T Bank account. I contacted the banks customer service by phone to explain the situation, and they agreed to waive one of the fees as a courtesy. However, I believe the remaining three overdraft fees should also be waived.

This is the first time I have ever been charged overdraft fees, and I was not aware that each individual purchase could trigger a separate overdraft charge. I assumed it would be a single fee or that smaller transactions would not be subject to multiple overdraft penalties. I also sent a message to M & T Bank through their online message center, but my request to waive the other three fees was denied on the grounds that one had already been waived.

I believe this is unfair, especially as a first-time occurrence, and I am asking the CFPB to help me in having M & T Bank reconsider and waive the remaining three {$15.00} overdraft fees. 

M & T Bank can reach me at XXXX or XXXX. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-06-13 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:
To the XXXX XXXX Department, My latest review of my credit file held by your organization has uncovered reporting inconsistencies contradicting my consumer rights to an entirely precise, valid, full, updated, and timely credit report composed strictly of verifiable or authenticated data, irrespective of its classification as positive, negative, or neutral. 
I request that you promptly delete the incorrect credit records you have attached to my profile : 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 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 XXXX The invalid entries in the XXXX must be completely corrected and erased now, XXXX XXXX XXXX. 
Considering the patently erroneous entries and their previously cited account details, a fundamental assertion requires immediate acknowledgment : principled and statutorily compliant data relay is an absolute legal requisite for every organization involved in credit dissemination, as mandated by the Fair Credit Reporting Act ( FCRA ). The repeatedly evidenced occurrences of faulty and deceptive intelligence stemming from data providers, consumer agencies, and recovery enterprises unambiguously highlight the paramount necessity for unwavering dedication to legally established criteria of precision and veracity. 
Consequently, the expeditious and comprehensive correction or outright elimination of these incorrect notations transcends a mere procedural action ; it represents a core ethical and judicial imperative to secure equitable and truthful credit narratives for all individuals affected by your reporting endeavors. 
In conclusion, the continuation of these erroneous records signifies a failure to adhere to both the legal mandates for compliant reporting and the ethical obligation for maximum data accuracy, devoid of integrity-compromising flaws. I expect a thorough investigation, the necessary adjustments to my credit f ile, and confirmation of the steps taken to prevent similar inaccuracies from occurring in the future, demonstrating a commitment to fair and reasonable reporting practices. 
I wrap up with heartfelt sincerity! 
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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 XXXXXXXX XXXX XXXX XXXX  NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} 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 : {$1200.00} 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 : {$1500.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} 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 : {$6800.00} INQUIRIES : 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
A fraud dispute was file with XXXX  for the accounts : Resurgent/ LVNV Funding XXXX Resurgent/ LVNV Funding XXXX Inside of the dispute verification of accounts were requested with full account history ( Payment history, Missed Payments, Accounting opening and closing dates ) were requested as well as contracts with a wet signature to verify authenticity of proper approved account opening. Accounts were never verified by collection agency, instead reporting agency XXXX locked online disputing capabilities limiting my disputing only to verbal phone disputes. 

I'm a XXXX veteran that struggles with severe XXXX and XXXX that effects my speech and limits my verbal communication. Under the FCRA and XXXX its a direct violation to my rights as a XXXX XXXX. 

Im requesting that both accounts be collection accounts be deleted immediately due to15 USC 1692g and that XXXX removes the dispute limitation associated with my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am writing to file a formal complaint against Bridgecrest XXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and for continued reporting of inaccurate and misleading tradeline information to the major consumer reporting agencies ( XXXX XXXX XXXX ). 

Despite my previous attempts to resolve this matter, Bridgecrest continues to report a derogatory tradeline on my credit report with a balance that is no longer valid. This tradeline should reflect a {$0.00} balance and be marked sold in accordance with federal credit reporting laws and XXXX XXXX XXXX data reporting standards. However, Bridgecrest has failed to : Correct the tradeline following the sale or charge-off of the debt ; Update the status to reflect accurate ownership and balance ; Remove derogatory remarks that no longer apply ; Comply with proper data formatting as outlined in XXXX XXXX , including Field 17A ( Sold to Another Lender ), Field 21 ( showing {$0.00} balance ), and Field 11 ( Special Comment Code AU ).

These failures have materially damaged my credit score, restricted access to financial opportunities, and caused emotional distress and economic harm.

This conduct constitutes violations of : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct disputed information ; 15 U.S.C. 1681i : Failure to reasonably investigate consumer disputes.

Additionally, this false and misleading reporting rises to the level of unfair and deceptive trade practices and warrants investigation under both federal and state consumer protection laws.

I have also submitted a fraud report with the Federal Trade Commission and submitted copies o the Bureaus and Bridgecrest to no avail response other than its been verified.

Relief Requested : I respectfully request that the CFPB : Investigate Bridgecrest XXXX XXXX XXXX reporting practices ; Enforce compliance with FCRA and XXXX XXXX guidelines ; Require immediate permanent deletion of the inaccurate tradeline ; Impose penalties as appropriate for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NV

Complaint narrative:
I have been disputing a repossession account with the company because the account is being reported wrong. Everytime I submit a dispute, it is approved and the information is updated. However, I never sent any dates or balances to the company so it seems that it being updated to random information. I feel that if they knew they had the correct information, the disputes would not constantly be approved. The company is reporting incorrect information and doesnt seem to care. 

For example, the account should have been closed last year after the repossession, however, the company is reporting it as being closed XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud.

These fraudulent accounts consist of - a line of credit account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, - two Loan accounts opened at XXXX XXXX - one on XX/XX/XXXX under the account number XXXX,- and another on XX/XX/XXXX under the account number XXXX,- and two Bankruptcy accounts opened at U.S Bankruptcy Court - one on XX/XX/XXXX under the account number XXXX,- and another on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
APPLE / Goldman Sachs Apple card application. It's rejected, they will not tell me why. Customer service eventually said it maybe was because my identity couldn't be verified and that it wasn't a credit worthiness issue but they couldn't say for sure, so they said to keep applying!! when I did then they started rejecting it because I applied too many times, but that still doesn't give me the explanation of why it was rejected in the first place. And what are you supposed to do here? I wrote a detailed complaint letter to Apple which I scanned and will attach. In the end some supervisor got cheeky with me at goldman sachs and he told me to re-freeze my credit for 3 months and start again. I'd unfrozen my credit in order to apply! 
FYI : MY CREDIT IS PERFECT AND MY SCORE IS IN THE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX I tried several times to complete a IDR repayment plan. The system would not allow me to submit. On XX/XX/XXXX, Aidvantage accepted my IDR request and put me on a temporary forbearance. On XX/XX/XXXX, I received a notice from my mortgage loan officer, that my student loans reported 90 days past due and that they would have to deny my loan .. my score dropped over XXXX points. I then contacted Aidvantage several times to find out what was going on. The only thing they could tell me was that my account was showing current and the forbearance went back to XX/XX/XXXX. The only letter that they were able to provide was an " account current '' letter and stated several times that they could not do anything about the " credit reporting. '' I explained several times that I was never notified about my account going into a delinquent status. They did not have current contact information until I applied for the IDR plan. I requested several times for them to investigate their attempts to contact and they refused. As on XX/XX/XXXX, my account is reporting current, however, due to the 90 day late remark my score did not recover enough for me to try to apply for another home loan until several years from now. This is unlawful and does not show fairness or goodwill.

Company response to consumer: Closed with explanation