vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against TransUnion LLC for failing to ensure accurate credit reporting and to conduct a lawful reinvestigation regarding the XXXX XXXX XXXX XXXX XXXX account that was sold to XXXX XXXX XXXX in XX/XX/year>. 

TransUnion continues to display this tradeline as XXXX XXXX/ {$3700.00} Written-Off and marked as updated in XX/XX/year>. 
This is inaccurate and non-compliant with FCRA 611 and 623, as well as XXXX XXXX XXXX standards ( Section XXXX : XXXX XXXX ). 

Once an account is sold, the furnisher must report : Account Status : DA Account Transferred/Sold Compliance Condition Code : XXXX Transferred/Sold Balance : {$0.00} XXXX XXXX : XXXX  Consumer No Longer Responsible Special Comment : XXXX  or XXXX  Transferred/Sold Reporting a Charge-Off after the sale violates FCRA 623 ( a ) ( 1 ) ( A ) and misleads creditors by implying an active delinquency on an account no longer owned by the original creditor. 

I previously disputed this account directly with TransUnion, but no reasonable reinvestigation was performed. The tradeline remains inaccurate. 

Requested resolution : I request that the CFPB require TransUnion to : Conduct a lawful reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) ; Obtain verification from the furnisher showing XXXX XXXX compliance ; Correct the tradeline to reflect Account Transferred/Sold {$0.00} Balance, or delete it entirely if it can not be verified. 

These corrections will ensure compliance with the FCRA, FTC accuracy requirements, and XXXX XXXX XXXX standards.

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 2025-11-12 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:
Subject : Dispute of Incorrect Late Payment Reporting Account XXXX XXXXXXXX Dear Bridgcrest, I am writing to dispute the late payment reported for XX/XX/year> on my account. During XXXX period, I was under an approved XXXX payment relief arrangement in compliance with the XXXX  Act. 

The account was opened on XX/XX/year>, at XXXX in XXXX. When the car was purchased, I gave a deposit on the day of purchase for the XXXX payment. Both XXXX and XXXX payment was made. This would mean XX/XX/year> was NOT late and misfiled with the credit agencies. 

I contacted Bridgecrest many times over the last year. I have been told by XXXX I need to dispute the inaccuracy with XXXX XXXX  and XXXX. When I dispute the late payment, the credit agencies come back every time saying, " amounts have been verified by the creditor. '' It seems to be an AI generated response. 

Please correct my credit reports with XXXX XXXX XXXX XXXX. Please confirm in writing that the late payments have been removed from XXXX  credit bureaus. 

Sincerely, XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CT

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to file a formal complaint against American Express regarding their unsatisfactory handling of a billing dispute and failure to assist in enforcing a merchants warranty obligation. 

On XX/XX/year>, I purchased a mountain bike from XXXX for {$1100.00}, charged to my American Express XXXX XXXX in XXXX. The bike came with a XXXX-year quality guarantee. However, after only XXXX months of use, the rear wheel hub broke, rendering the bike unusable. 

I contacted XXXX repeatedly for over a week but received no response or resolution. As a result, I filed a dispute with American Express to seek a refund under the merchants warranty policy. 

Unfortunately, American Express has repeatedly redirected me to different departments, failed to follow up, and ultimately instructed me to call their Account XXXX XXXX at XXXX. Despite doing so, no one has taken responsibility or resolved the issue. This has resulted in a frustrating cycle of being passed around without any meaningful assistance. 

I expect American Express to properly investigate this dispute, honor their cardholder protection policies, and ensure that the merchants warranty is upheld. 

I request that your agency oversee American Expresss conduct and ensure they comply with consumer protection standards. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have both Indigo and Destiny credit cards, both issued by Concora and serviced through XXXX XXXX. I contacted them last month regarding financial hardship and the inability to make full payments. They failed to respond for nearly a month, and when they finally did, the response was generic and dismissive, stating only that I would not be charged late fees. By that point, I had already forced myself to make the payment under extreme stress because they failed to provide timely support. 

Now, another billing cycle has passed, and I am again unable to make the upcoming payment. Given their prior inaction and lack of communication, I am concerned that they will double charge or penalize me despite my ongoing financial hardship and active documentation of these issues. Their month-long response time, lack of empathy, and failure to offer a true hardship program demonstrate bad faith and disregard for consumer protection standards. I have acted in good faith by reaching out multiple times, and instead of being assisted, I have been ignored and left at risk of additional financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
A report was sent to my credit report of funds owed but the rental property has no knowledge of me living there. I requested a ledger and I was told there is no data regarding my rental

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-12 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: AL

Complaint narrative:
XXXXnReceived multiple back to back calls from different numbers. \n\XXXX XXXX XXXX XXXX XXXXn\nWhen I found out who it was I asked them what their policy was about calling people back to back with different phone numbers and she said her policy was to collect money. I told her to stop calling and she said she would stop calling when I paid. She was very rude'

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 2025-11-12 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: CL Holdings LLC
State: FL

Complaint narrative:
Information about collections and accounts that don't belong to me appears, and when I try to dispute them, the companies refuse to delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: WA

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

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 2025-11-12 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In 2021, I lost my wallet in a grocery store, and soon after, a fraudulent auto loan from Ally Financial appeared on my credit report. I never applied for or authorized any account with this company. This fake loan has seriously damaged my credit and caused ongoing financial harm. 

I filed a police report for identity theft and submitted disputes with all three credit bureaus and Ally Financial, along with documentation proving the account is fraudulent. Despite this, Ally has refused to validate or delete the account and continues to report false information. Their failure to properly investigate and respond violates the Fair Credit Reporting Act ( FCRA ) and possibly the Equal Credit Opportunity Act ( ECOA ). 

This negligence and lack of accountability are unacceptable. I am demanding a full investigation, immediate deletion of this fraudulent account, and enforcement action for Ally Financials violations of federal credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
The lender conducted a new escrow analysis for projected property taxes for 2026. This increased my mortgage payment significantly. I am a 100 % XXXX veteran and in the state of Texas veterans with 100 % XXXX rating are exempt from property taxes. I filed for my exemption in XXXX and received the exemption letter in XXXX. I provided the letter to the mortgage lender and they confirmed that they have the letter, however they are refusing to honor the letter and therefore are requiring me to pay towards property taxes, despite the fact that the letter states that the property taxes against the address will {$0.00} for 2026. I contacted the county because the lender stated that they would not acknowledge the letter but would acknowledge a tax bill and the county said they will not provide a tax bill until XXXX when they normally provide one. The woman I spoke with at the county tax appraisal also laughed and said you will not receive a tax bill because you dont pay property taxes. The main issue is that because they are requiring me to pay into property taxes that has increased my monthly payment by roughly {$500.00} or close to {$6000.00} for the entirety of the year. Despite everything Ive been able to try to do and provide on my end the lender continues to refuse to work with me and will not honor the approved property tax exemption letter based off of Texas code that was provided to me by the county.

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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Harvard collection put a collection on my credit report. I spoke with XXXX from Harvard collections he said Illinois department of health sent this to the. I advised I have not been in Illinois since XXXX he gave me a number to call XXXX acct # XXXX. I spoke with Rep I believe XXXX  not sure but was advised there is nothing showing in their system. I explained to her I have not been in XXXX since XXXX she advised me to reach out to CFPB and XXXX  XXXX spoke with XXXX who advised me to reach out to you all. This happened to me years ago and it was taken off now here it is years later back on again. I see plenty of complaints where this happen to other people as well. this is fraudulent from Harvard collections. XXXX XXXX XXXX removed XXXX is refusing until I file a complaint. please help me get this issue resolved. Harvard keep doing this every few years. Illinois Dept Of Health never reached out to me by phone or mail. they are not sure why this is happening. I've took the steps to have this removed and nothing resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-12 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: WA

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft hit inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. Accordingly, the hard hit has hindered me from acquiring commercial credit for my business affairs, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft hit inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. Accordingly, the hard hit has hindered me from acquiring commercial credit for my business affairs, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be 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 explanation