vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have found collection accounts on my credit report that I believe contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, I ask that they be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I am submitting this follow-up complaint because several items on my credit report are still being reported inaccurately, and they continue to harm my credit profile. Despite my previous disputes, these errors remain, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ), 15 U.S.C. 1681i ( a ), 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), 607 ( b ), 15 U.S.C. 1681e ( b ), and 1681c-2 ( 605B ).

First, my file still lists an address that does not belong to me XXXX XXXX XXXX XXXX XXXX SC XXXX. Under FCRA 611 ( a ), this inaccurate personal information must be deleted immediately. 
I also continue to see accounts reported incorrectly as late or closed. For example, XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance XXXX XXXX XXXX is being misreported and does not reflect the true and accurate status of the account. 
Several charge-off accounts remain listed in error. XXXX, account XXXX, balance {$380.00}, and XXXX, account XXXXXXXX XXXX, balance {$0.00}, are both being reported as charge-offs even though they are not verifiable, which violates 15 U.S.C. 1681c-2 ( 605B ) and FCRA 611 ( a ). In addition, XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX, balance {$790.00}, is reported as a charge-off without any IRS Form 1099-C being issued. Because amounts over {$600.00} require a 1099-C if canceled, the absence of this form makes the reporting misleading and inaccurate in violation of FCRA 607 ( b ). 
XXXX accounts are also still being reported inaccurately. This includes XXXX, account XXXX, balance {$850.00XXXX XXXX, and XXXX XXXX, accounts XXXX ( {$210.00} ) and XXXX ( {$1400.00} ). These entries remain despite my disputes and are being reported unfairly in violation of 15 U.S.C. 1681c-2 ( 605B ). 
Finally, my reports continue to show numerous inquiries that I never authorized. These include inquiries from 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 XXXXXXXX. In addition, more recent inquiries include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Since I did not provide permissible authorization, these inquiries violate FCRA 619, 15 U.S.C. 1681q and FCRA 604 ( a ), 15 U.S.C. 1681b ( a ), and they must be deleted from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I am submitting this follow-up complaint because several items on my credit report are still being reported inaccurately, and they continue to harm my credit profile. Despite my previous disputes, these errors remain, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ), 15 U.S.C. 1681i ( a ), 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), 607 ( b ), 15 U.S.C. 1681e ( b ), and 1681c-2 ( 605B ).

First, my file still lists an address that does not belong to me XXXX XXXX XXXX XXXX XXXX SC XXXX. Under FCRA 611 ( a ), this inaccurate personal information must be deleted immediately. 
I also continue to see accounts reported incorrectly as late or closed. For example, XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance XXXX XXXX XXXX is being misreported and does not reflect the true and accurate status of the account. 
Several charge-off accounts remain listed in error. XXXX, account XXXX, balance {$380.00}, and XXXX, account XXXXXXXX XXXX, balance {$0.00}, are both being reported as charge-offs even though they are not verifiable, which violates 15 U.S.C. 1681c-2 ( 605B ) and FCRA 611 ( a ). In addition, XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX, balance {$790.00}, is reported as a charge-off without any IRS Form 1099-C being issued. Because amounts over {$600.00} require a 1099-C if canceled, the absence of this form makes the reporting misleading and inaccurate in violation of FCRA 607 ( b ). 
XXXX accounts are also still being reported inaccurately. This includes XXXX, account XXXX, balance {$850.00XXXX XXXX, and XXXX XXXX, accounts XXXX ( {$210.00} ) and XXXX ( {$1400.00} ). These entries remain despite my disputes and are being reported unfairly in violation of 15 U.S.C. 1681c-2 ( 605B ). 
Finally, my reports continue to show numerous inquiries that I never authorized. These include inquiries from 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 XXXXXXXX. In addition, more recent inquiries include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Since I did not provide permissible authorization, these inquiries violate FCRA 619, 15 U.S.C. 1681q and FCRA 604 ( a ), 15 U.S.C. 1681b ( a ), and they must be deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transworld Systems , Inc. 


To Whom It May Concern, I am writing regarding the collection account listed under my name in the amount of {$380.00}, with [ XXXX XXXX XXXX ] as the original creditor. While I do not admit to ownership of this debt, I am willing to negotiate a resolution in order to update my credit file. 

I propose to pay [ offer a percentage, e.g., {$190.00} ( 50 % of balance ) ] as settlement of this account, on the condition that Transworld Systems agrees in writing to delete all references of this account from all three major credit bureaus ( XXXX XXXX XXXX XXXX ) within 30 days of receiving payment. 

This offer is made for settlement purposes only and is not an acknowledgment of liability. If you agree, please provide written confirmation of the terms on your company letterhead, signed by an authorized representative. Once received, I will promptly make payment as agreed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and capable of being verified. I am requesting confirmation of these entries, and if verification is not possible, they should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: WI

Complaint narrative:
I do not recognized this address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Ava Finance, Inc
State: NV

Complaint narrative:
AVA Finance is furnishing inaccurate late payment information to XXXX XXXX XXXX XXXX  These tradelines contain reporting errors that violate CDIA Metro 2 standards, the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), and the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ).

Metro 2 Violations : The account is listed as open/current, yet also shows 3060 day lates. Metro 2 prohibits an account from reporting as current while also reflecting delinquency. This is contradictory and materially inaccurate.

FCRA Violations : Data furnishers must ensure accuracy. By reporting conflicting statuses across bureaus, AVA Finance materially misrepresents my payment history. CRAs are publishing inaccurate data.

FCBA Billing Error : These late payment notations represent billing/reporting errors. I never received proper notice of delinquency, and my account was never delinquent under the credit agreement. 

These errors materially harm my creditworthiness.

I request that all late payment notations ( 30-day and 60-day lates ) be deleted across XXXX XXXX XXXX XXXX XXXX

Alternatively, AVA Finance must correct the tradeline to show : Status : Open / Current / Paid as Agreed No late payments reported If AVA Finance can not produce Metro 2 field documentation proving accuracy, the tradeline should be removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I sent XXXX  XXXX a wire transfer from my bank to fund an account at XXXX  according to instructions I found on their website. 

I sent it on XX/XX/year> and the account still hasnt been funded. There is no customer service that I can get on the phone, so I sent XXXX inquiries ( XXXX and XXXX ) and received a reply asking for the screenshot of my wire transaction confirmation. I sent the screenshot to both email chains. 
They told me they would investigate and may take some time. However after weeks of waiting I followed up many times to inquire on the progress and there has been no reply since after I sent the screenshot. 

It will be 2 months since I sent the wire and I still can not locate the funds. 
I requested wire recall from my bank. I checked with them today and they told me that the receiving bank hasnt responded. 

The lack of response and accessibility is unacceptable. A financial institution should not be able to have customer service that can not be reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I am submitting this dispute to the CFPB regarding several late-closed accounts inaccurately reported on my 3 credit report. The first account, XXXX XXXX XXXX XXXX ending XXXX, shows a 30-day late payment in XX/XX/XXXX, which does not reflect my records. The second account, XXXX XXXX XXXX XXXX ending XXXX, reports multiple late payments between XXXX and XX/XX/XXXX, which are inconsistent with my payment history. The third account, XXXXXXXX XXXX XXXX ending XXXX, is reported with 120-day late payments from XX/XX/XXXX through XX/XX/XXXX, which I never incurred. 

Under FCRA 1681i ( a ), I request that TransUnion thoroughly reinvestigate each account directly with the respective creditors, correct or update any unverifiable or inaccurate information, and provide written confirmation of the results along with an updated credit report. Accurate reporting is essential to reflect my true payment history and maintain a fair, reliable credit profile.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protec
ted. This is a formal complaint against NAVY FEDERAL CR UNION a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must include only data that is accurate, complete, and verifiable. I am formally requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must include only data that is accurate, complete, and verifiable. I am formally requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

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 2025-09-24 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: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief