vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nSubject: Dispute of Late Payment  Request for Investigation under FCRA (15 U.S.C.  1681i and  1681s-2)\nTo Whom It May Concern,\nI am writing to formally dispute an inaccurate late payment entry appearing on my credit report related to the following account:\nCreditor NameXXXX XXXX XXXX XXXX XXXX XXXXXXXXnDate of Alleged Late Payment: 02/16/2025\nAccording to my records, this payment was made on time. Therefore, I believe this information is inaccurate and request that you investigate and correct it as required under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, which mandates that credit reporting agencies investigate disputed information, and 15 U.S.C.  1681s-2, which requires furnishers of information to report accurately.\nPlease initiate an investigation into this matter and notify me of the results. If the information is found to be inaccurate or cannot be verified, I respectfully request that it be removed or corrected on my credit report.\nThank you for your attention to this matter. I look forward to your response.\nSincerely,\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 2025-05-13 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I was unable to access my credit report or features while TransUnion investigated my dispute. Then I received alerts that there had been hard inquiries on my credit WITHOUT my knowledge or permission from XXXX XXXX XXXX TransUnion conducted a sham investigation and did not provide documentation with my signature showing I authorized this inquiry. In direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2025-05-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc.
State: NV

Complaint narrative:
Been attempting to update phone number and email ( fcc complaint has been filed ) for several months despite verifying with employer and several attempts with wisely by adp they have refused to allow me despite me being the account holder ( 48 hours and told no ). This has caused me to unable to access account via website and app. They also have severe issues either check deposit issues as I am unable to deposit via their only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
b'It started when i recieved a text message on XXXX from XXXX XXXX XXXX XXXX. The text stated " we noticed your profile was used at the XXXX XXXX  and an amt of XXXX was charged. If you it, wasn\'t you call XXXX XXXX XXXXIt wasn\'t me so i called the number. I person I spoke to stated that my profile had been comprised. It was all my bank accounts, saving and 401K. He said that the FTC (federal trade commission) has been notified and they will be in touch with me. the person said that the S Bank Fraud dept will be calling me because they have noticed charges of XXXX  and XXXX  that are about to go thru on my saving acct with them. He asked me to save this number XXXX XXXX XXXX XXXX  as this is the # they will call from. Sure, enough I got the call, and it came up as US Bank Fraud Dept. I spoke to a person called XXXX  and he gave me his employee ID# and was very polite. He stated that after bank hours they run acct for any irregularities My acct came up as I don\'t normally \n pay bills from this acct. as it\'s a savings acct. I only transfer money. XXXX said in order to safe guard my money I need to do a wire transfer into a XXXX acct that the bank uses for case like this. he said the charge would go thru in a few hours. I had XXXX in there an obviously I was concerned. he kept on saying he\'s talking to the FTC and they need proof that my profile was comprised therefore I needed to wire the funds into a XXXX XXXX  acct and as soon as my acct has been cleared the money would be deposited back. So I went to a nearby US Bank and did the wire transfer of XXXX to the acct the so-called US bank Fraud dept instructed me to do. I was handed a Preliminary Receipt of the transfer and was told I would get an email to confirm the information. I never recieved the email and funds were transferred to the XXXX XXXX acct. without me acknowledging the transferXXXX  know now I realized later I was scammed. XXXX XXXX  and a XXXX. I told the bank as that I\'m a vulnerable XXXX as I just lost my husband on XXXX and was a victim of a scam. I asked my bank for a goodwill reimbursement. They as not cooperating but still reviewing my case. I need this money to survive and keep my house.'

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 2025-05-13 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: 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 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Charged-Off Account Request for Deletion Account Number Ending in : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a charged-off account with the last four digits XXXX that appears on my credit report issued by Equifax. I request that this account be investigated and, if found to be inaccurate, outdated, unverifiable, or in violation of the Fair Credit Reporting Act ( FCRA ), that it be permanently deleted from my credit file. 

Under 15 U.S. Code 1681i of the FCRA, I have the right to dispute any information on my credit report that I believe is incomplete, inaccurate, or can not be verified. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

This account was marked as a charge-off, and I am requesting that you : 1. Verify the accuracy and completeness of this account ; 2. Provide documentation used to verify this charge-off ; and 3. Remove the account entirely if it can not be fully verified or if it is reporting inaccurately or unfairly.

Please complete your reinvestigation within the 30-day period required by the FCRA. If the account is verified, I request a description of the procedure used to verify the information, as well as the contact information for the furnisher who verified it. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Charged-Off Account Request for Deletion Account Number Ending in : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a charged-off account with the last four digits XXXX that appears on my credit report issued by Equifax. I request that this account be investigated and, if found to be inaccurate, outdated, unverifiable, or in violation of the Fair Credit Reporting Act ( FCRA ), that it be permanently deleted from my credit file. 

Under 15 U.S. Code 1681i of the FCRA, I have the right to dispute any information on my credit report that I believe is incomplete, inaccurate, or can not be verified. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported. 

This account was marked as a charge-off, and I am requesting that you : 1. Verify the accuracy and completeness of this account ; 2. Provide documentation used to verify this charge-off ; and 3. Remove the account entirely if it can not be fully verified or if it is reporting inaccurately or unfairly.

Please complete your reinvestigation within the 30-day period required by the FCRA. If the account is verified, I request a description of the procedure used to verify the information, as well as the contact information for the furnisher who verified it. 

Thank you for your prompt attention to this matter.

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 2025-05-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On or about XX/XX/year>, I reported fraudulent activity on our business account with Navy Federal Credit Union by phone, calling their member services line. During that call, I informed them that our account had been hacked and several unauthorized transactions had occurred, totaling {$4000.00}. We were not given written confirmation of the claim, but we relied on their process and assumed the investigation was underway.

Despite following proper procedures, we were never notified of the investigation outcome. I had to follow up by phone on XX/XX/year>, at which point I was informed that our claim had been denied without any written explanation.

We submitted an appeal, including a police report and additional supporting documentation proving that the transactions were unauthorized. To date, Navy Federal has only provided decisions on two individual transactions approving one for {$200.00} and denying another for {$490.00} while failing to address the rest of the disputed amount or provide a full explanation.

This handling appears to violate the Electronic Fund Transfer Act ( Regulation E ), which requires a fair, timely, and thorough investigation of fraud claims, including a written explanation of decisions made.

Importantly, both my husband and I are retired Federal law enforcement officers. We spent our careers upholding the law and protecting others. We would never risk our freedom, pensions, or reputations by committing fraud. The suggestion that we would do so is not only offensive, but completely unsubstantiated by the facts and evidence provided.

We are requesting : 1. A full and timely investigation of all disputed transactions ; 2. A written explanation for each decision made ; 3. Restitution for any unauthorized funds in accordance with Regulation E ; 4. Oversight and corrective action regarding Navy Federals mishandling of this fraud claim.

We are attaching documentation, including the police report and relevant claim-related records, to support our complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX from XXXX XXXX. I traded in my XXXX XXXX XXXX, which was financed through XXXX. I traded the vehicle in in good faith, trusting the dealership to handle the paperwork properly. Instead, they incorrectly listed a XXXX XXXX XXXX I have never ownedas the trade-in. 

The dealership sent a payoff to Exeter XXXX, a company that had nothing to do with the vehicle I actually traded in. My XXXX, which is financed through Exeter, was never part of the deal, and I did not authorize it to be included. Even more concerning, Exeter accepted the payoff for this Infiniti-despite the fact that the vehicle was not tied to my name or account. Meanwhile, my XXXX loan remains unpaid with XXXX. 

The dealership is now pressuring me to surrender my XXXX to fix their mistake and has even threatened to repossess the XXXX. This situation has put me at risk of having multiple unpaid loans, damage to my credit, and losing vehicles I never agreed to trade. I acted in good faith and signed the paperwork they presented to me. This error is not mine, and I need this resolved Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against Equifax for inaccurately reporting a derogatory account under XXXX ( Account XXXX XXXX XXXX XXXX XXXX This account is being reported with late payments and harmful remarks, despite showing a {$0.00} balance and being closed. These inaccuracies are misleading and damaging. 

After reviewing my records, this account appears to be reported solely by Equifax, and the information is inaccurate, unverifiable, and does not reflect the actual standing of my financial obligations. 

Furthermore, I never gave my authorization or consent for this account to be included in my credit report. I did not sign any documentation nor agree to the sharing of this information with Equifax. For that reason alone, I demand the immediate deletion of this account. 

This situation violates several consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) Equifax has failed to meet the standards of accuracy required under 1681e ( b ) and has not properly verified the disputed information in compliance with 1681i. Reliance on automated systems like e-OSCAR instead of a manual investigation violates 1681s-2.

2. Truth in Lending Act ( TILA ) I did not receive periodic statements within the timeframe required by 1637 ( b ) and 12 CFR 1026.5, invalidating any claims of delinquency.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Reporting inaccurate and unverified derogatory information is a deceptive practice that misrepresents my credit history. 
4. Protection Against Non-Payment of Obligations Act ( PAANL ) Since the account was paid in full, continued negative reporting violates my rights as a consumer.

Supporting Legal Precedents : Cushman v. Trans Union Corp., 115 F.3d 220 Requires reasonable, manual investigations.

Henson v. CSC Credit Services, 29 F.3d 280 CRAs must verify beyond what the furnisher provides.

Johnson v. MBNA America, 357 F.3d 426 Reinforces the illegality of superficial investigations.

Because Equifax appears to be the only bureau still reporting this unverifiable and unauthorized account, I demand its immediate and permanent deletion from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Experian, I am writing to request a review of the personal information listed in my credit file to ensure it reflects only accurate, complete, and up-to-date data in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format developed by the Consumer Data Industry Association ( CDIA ) . 

Specifically, I request that my credit profile only reflect the following verified and accurate personal information : Verified Personal Information to Report : Full Name : XXXX XXXX XXXX Current Address XXXX XXXX XXXXXXXX XXXX XXXX, Michigan XXXX Date of Birth : Date of Birth : XX/XX/year> SS # : XXXX Per Metro 2 and FCRA standards, all outdated, duplicate, or unverifiable personal identifiers including former addresses, name variations, and obsolete employer data should be removed if they do not meet current reporting accuracy and relevancy requirements. 

Documentation Included : To assist with your update, Ive enclosed : A copy of my government-issued ID A recent utility bill or official document showing my current address Please investigate and update my file accordingly. I request written confirmation once my report has been updated to reflect only the verified information listed above. 

Thank you for your attention and prompt handling of this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX, XXXX Subject : Dispute of Inaccurate Late Payment Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for the above-referenced account. According to my records, the payment ( s ) reported as late on XXXXwere either made on time or are otherwise inaccurately reported. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and I request a prompt investigation into this matter. Please provide : 1. Verification and documentation showing when the payment ( s ) were received ; 2. The date the creditor claims the payment ( s ) became delinquent ; 3. A copy of the payment history or billing statement showing the reported delinquency.

If the information can not be verified or is found to be inaccurate, I respectfully request that the late payment entry be removed or corrected in my credit file.

I would appreciate your response in writing within the 30-day period as required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation