vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX # XXXXXXXX -- --  Date Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Date Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Date Opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- Date Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Date Opened : XX/XX/XXXXXXXX XXXX  XXXX # XXXX -- -- Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase with XXXX XXXX online during a XXXX special for a XXXX trial. The first charge was XXXX, and I would be billed the balance in 30 days. I was charged the full price of the item a week later, not 30 days. I ended up returning the item and requesting a refund. The merchant agreed to a full refund in an email to me. I only received the XXXX chargeback and never received the first charge of XXXX because the merchant disputed the refund and told the credit card company they didn't agree to a refund and they had no record of a refund. I had an email from them, and that wasn't enough. In addition, I had an email about the return. I was told I needed to contact the Merchant for the balance, and the merchant says they are not able to issue a refund due to the chargeback that their system doesn't allow to issuing refunds if that happens. So at the end of the day, I have to pay XXXX for nothing. The item was returned as the merchant requested, and they are stealing XXXX from me. The credit card company is now telling me they have gone past the time they can dispute this charge and there is nothing else they can do. I also have audio recording about the return and the merchant trying to say I have to get my refund through XXXX  which isnt true as they received the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding a long-standing, unresolved issue that has caused me significant emotional distress and harm over the past three years. 

In XX/XX/year>, I was contacted by a company identifying itself as XXXX XXXX XXXX, claiming I owed {$970.00} related to a former XXXX checking account. I visited a local Wells Fargo branch and was informed that : There is no record of this debt on file, Wells Fargo does not have any relationship with XXXX XXXX XXXX, I should report the matter to XXXX@wellsfargoXXXX which I did. 

Despite following this instruction, I have never received a response or follow-up from Wells Fargo or any other authority. I have also reached out to XXXX XXXX XXXX directly and received no proper verification or resolution.

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 2025-06-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX CELL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It Absolutely Concerns, RE : DEMAND FOR IMMEDIATE REMOVAL OF FALSE PAYMENT REPORTING This letter serves as a FINAL WARNING and DEMAND for the immediate deletion of fraudulent and inaccurate payment history associated with the account below : XXXX OPEN DATE XX/XX/XXXX XXXX OPEN DATE XX/XX/XXXX Let me make this absolutely clear : the reporting of missed or late payments is flat- out false, defamatory, and legally actionable. I have full documentation proving timely payment, and this reckless reporting is damaging my credit profile and by extension, my livelihood. It will not be tolerated. 
This is not a request. It is a legal demand. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to report only 100 % accurate, complete, and verifiable information. You have already violated that obligation. 
You now have 30 days from receipt of this letter to either : Provide full, itemized, documented verification of the alleged late/missing payment OR Delete the inaccurate information permanently and notify all reporting agencies of the correction If neither of these outcomes is met within the legal time frame, I will escalate without hesitation : A formal complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) A civil lawsuit will be initiated for credit defamation, willful negligence, and failure to comply with federal credit reporting laws I will pursue maximum statutory damages under FCRA Section 616 and 617 I am documenting this correspondence thoroughly. All further communications must be in writing. Any attempt to stall, obscure, or ignore this demand will be treated as bad faith and used against you in court.

This is your final opportunity to correct this before it becomes a far more costly issue for you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX CELL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It Absolutely Concerns, RE : DEMAND FOR IMMEDIATE REMOVAL OF FALSE PAYMENT REPORTING This letter serves as a FINAL WARNING and DEMAND for the immediate deletion of fraudulent and inaccurate payment history associated with the account below : XXXX OPEN DATE XX/XX/XXXX XXXX OPEN DATE XX/XX/XXXX Let me make this absolutely clear : the reporting of missed or late payments is flat- out false, defamatory, and legally actionable. I have full documentation proving timely payment, and this reckless reporting is damaging my credit profile and by extension, my livelihood. It will not be tolerated. 
This is not a request. It is a legal demand. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to report only 100 % accurate, complete, and verifiable information. You have already violated that obligation. 
You now have 30 days from receipt of this letter to either : Provide full, itemized, documented verification of the alleged late/missing payment OR Delete the inaccurate information permanently and notify all reporting agencies of the correction If neither of these outcomes is met within the legal time frame, I will escalate without hesitation : A formal complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) A civil lawsuit will be initiated for credit defamation, willful negligence, and failure to comply with federal credit reporting laws I will pursue maximum statutory damages under FCRA Section 616 and 617 I am documenting this correspondence thoroughly. All further communications must be in writing. Any attempt to stall, obscure, or ignore this demand will be treated as bad faith and used against you in court.

This is your final opportunity to correct this before it becomes a far more costly issue for you. 
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 non-monetary relief
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Obtain a loan from XXXX for XXXX for legal fees. 
I was told it was a flat fee for the services XXXX XX/XX/year>. Due to XXXX coming to court several times was told it would be an additional XXXX which was financed via XXXX for XXXX. After XX/XX/year> no court dates, etc The person who I paid for the lawyer for signed an affidavit to close the case and I been calling XXXX law to speak with someone about a reverse of charges. No one has called me back since XX/XX/year> when I obtained affidavit which I sent to them via email. Also XXXX adds on additional fees stating I did not pay them, in which I have a confirmation number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 
INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-18 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:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\n\nFRAUDULENT ACCOUNTS:\n\n\tXXXX XXXX XXXX XXXX  Date Opened: XXXX\n\n\tXXXX XXXX XXXX XXXX Date Opened:XXXX\n\n\n\nUNAUTHORIZED INQUIRIES:\n\nExperian\n\XXXX  XXXX\tXXXX\n\XXXX XXXX XXXX XXXXt\tXXXX\n\XXXX XXXX  XXXX\XXXXn\XXXX  XXXX\XXXXn\XXXX  XXXX\t\tXXXXXXXX\n\XXXX  XXXX\tXXXX\n\XXXX/XXXX  XXXX  XXXX\tXXXX\n\tXXXX XXXX XXXXXXXX\tXXXX\n\XXXX/XXXX  XXXX XXXX\tXXXX\n\tXXXX XXXXXXXX\t\tXXXX\n\XXXX  XXXX  XXXX XXXX\tXXXX\n\tXXXX XXXXXXXXXXXX\n\XXXX  XXXX XXXXtXXXX\n\tXXXX XXXX XXXX\tXXXX\n\tXXXX XXXX XXXX\tXXXX\n\tXXXX XXXX XXXX  XXXX\t\tXXXX\n\tXXXX XXXX XXXX\tXXXX\n\tXXXX XXXX\t\tXXXX\n\tXXXX XXXX\tXXXX\n\tXXXX XXXX\tXXXX\n\tXXXX XXXX\tXXXX\n\XXXXXXXX XXXX XXXX\tXXXX\n\n\nTransUnion\n\tXXXX\tXXXX\n\XXXX XXXXXXXX\tXXXX\n\XXXX\t\tXXXX\n\XXXX  XXXX\tXXXX\n\XXXX  XXXX XXXX\tXXXX\n\tXXXX XXXX XXXX\tXXXXXXXX\n\XXXX  XXXX\tXXXX\n\XXXX\tXXXX\n\XXXX  XXXX\tXXXX\n\XXXX\tXXXX\n\XXXX  XXXX  XXXX\tXXXX\n\XXXX XXXX\tXXXX\n\XXXX\t\tXXXX\n\n\nEquifax\n\XXXX\XXXX\n\XXXX\tXXXXXXXX\n\XXXX\tXXXX\n\XXXX  XXXX XXXX\tXXXX\n\XXXX\tXXXX\n\XXXX-1\tXXXX\n\XXXX XXXX XXXX\tXXXX"

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 2025-06-18 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: CA

Complaint narrative:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\n\nFRAUDULENT ACCOUNTS:\n\n\tXXXX XXXX XXXX XXXX  Date Opened: XXXX\n\n\tXXXX XXXX XXXX XXXX Date Opened:XXXX\n\n\n\nUNAUTHORIZED INQUIRIES:\n\nExperian\n\XXXX  XXXX\tXXXX\n\XXXX XXXX XXXX XXXXt\tXXXX\n\XXXX XXXX  XXXX\XXXXn\XXXX  XXXX\XXXXn\XXXX  XXXX\t\tXXXXXXXX\n\XXXX  XXXX\tXXXX\n\XXXX/XXXX  XXXX  XXXX\tXXXX\n\tXXXX XXXX XXXXXXXX\tXXXX\n\XXXX/XXXX  XXXX XXXX\tXXXX\n\tXXXX XXXXXXXX\t\tXXXX\n\XXXX  XXXX  XXXX XXXX\tXXXX\n\tXXXX XXXXXXXXXXXX\n\XXXX  XXXX XXXXtXXXX\n\tXXXX XXXX XXXX\tXXXX\n\tXXXX XXXX XXXX\tXXXX\n\tXXXX XXXX XXXX  XXXX\t\tXXXX\n\tXXXX XXXX XXXX\tXXXX\n\tXXXX XXXX\t\tXXXX\n\tXXXX XXXX\tXXXX\n\tXXXX XXXX\tXXXX\n\tXXXX XXXX\tXXXX\n\XXXXXXXX XXXX XXXX\tXXXX\n\n\nTransUnion\n\tXXXX\tXXXX\n\XXXX XXXXXXXX\tXXXX\n\XXXX\t\tXXXX\n\XXXX  XXXX\tXXXX\n\XXXX  XXXX XXXX\tXXXX\n\tXXXX XXXX XXXX\tXXXXXXXX\n\XXXX  XXXX\tXXXX\n\XXXX\tXXXX\n\XXXX  XXXX\tXXXX\n\XXXX\tXXXX\n\XXXX  XXXX  XXXX\tXXXX\n\XXXX XXXX\tXXXX\n\XXXX\t\tXXXX\n\n\nEquifax\n\XXXX\XXXX\n\XXXX\tXXXXXXXX\n\XXXX\tXXXX\n\XXXX  XXXX XXXX\tXXXX\n\XXXX\tXXXX\n\XXXX-1\tXXXX\n\XXXX XXXX XXXX\tXXXX"

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC reported my 'principal balance ' and included my escrow advance balance which isn't part of my unpaid 'principal balance '. 

I've been working with PNC since XX/XX/XXXX to get an explanation as to why the deficit escrow balance is added to the principal balance. I also asked that PNC provide me with XXXX credit bureau reported balances for which they refuse to provide. I talked with SEVERAL representatives, asked to speak to supervisors and only got to a 'lead ' in the resolution department. I've asked that they provide the regulation that allows them to add an escrow advance to my unpaid 'principal balance ' reported. 

I understand credit bureau 'principal balance ' is just that and shouldn't include an escrow advance that is simply a timing of disbursements and escrow analysis catch up. 

Is a mortgage loan servicer allowed to report an escrow advance on top of my actual 'principal balance ' to the credit bureaus on a monthly basis? My loan is not and has never been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Originally, I asked for information about original account, date opened, and closed. What address and the actual amount owed? They never responded with this information. I responded with the STOP message through text communication and I am still receiving messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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 : XXXXXXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In Accordance with the FCRA, this creditor violated my federal rights under 15 USC 1681 Section 602 states I have rights to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) states a creditor may not treat a payment on a credit card under an open end credit plan as late for any reason.

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