vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Creditor : Progressive ( Original Lender ) Collection Agency : XXXX XXXX XXXX Date Assigned : XX/XX/year> Balance : {$380.00} ( original & current ) Status ( varies by bureau ) : Equifax : Unpaid Consumer disputes this account information TransUnion : Collection account Account info disputed by consumer Experian : Credit grantor can not locate consumer Account info disputed by consumer I am filing this complaint regarding an inaccurate and potentially unlawful collection entry reported by XXXX XXXX XXXX on behalf of XXXX XXXX. This account appears on all three  of my credit reports with an assigned date of XX/XX/year> and an original balance of {$380.00}. 

I have disputed this debt multiple times, requesting full validation. The information remains unresolved and unverifiable. Despite that, it continues to be reported as a valid collection account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Specific issues : The collector failed to provide proper debt validation. 

The account status is inconsistent ( e.g., credit grantor can not locate consumer ). 

The continued reporting of disputed and unvalidated information violates FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ), and FDCPA 807 ( 8 ).

I am requesting immediate and permanent deletion of this account from all consumer credit reports ( Equifax, TransUnion, Experian ), as it is inaccurate, unverifiable, and damaging to my credit profile.

Potential FCRA & FDCPA Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information If the debt has been disputed but remains reported without proper validation, this applies.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to remove unverifiable info after a dispute If they can not prove XXXX owes the debt, it should be removed after the dispute. 

FCRA 623 ( a ) ( 3 ) Duty to report accounts as disputed when under investigation They did note the dispute, but there may still be procedural violations.

FDCPA 807 ( 8 ) False representation of the legal status of the debt If they reported it as unpaid or " collection '' when they had no legal standing, this applies.

FDCPA 809 ( b ) Failure to validate the debt after dispute and continued collection/reporting They must stop reporting and collecting if they can not validate after a proper dispute request. 

Credit grantor can not locate consumer may indicate data inconsistency or identity error.

This weakens their claim and may justify removal under FCRAs data accuracy requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I previously filed complaint XXXX pointing out that US Bank had charged me interest on money that had not been disbursed.

US Bank 's reply acknowledged that they had charged interest on money that was not disbursed, and claimed that they had acted properly.

The Note clearly states " Interest will be charged on unpaid Principal ... ''.

US Bank clearly did not act properly.

I ask CFPB not close this complaint simply because US Bank stated their position.

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 2025-07-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Problem : I transferred money from my XXXX checking account back in XX/XX/year> to an account created in the application Wise. ( I chose wise last year XXXX  as supposedly they were verified as an organization working with XXXX and I had to be validated to open the account on wise ). 

Except now I have been trying to close the account on Wise and bring the remaining balance back into my XXXX checking account and it has been months. Customer service on the phone for Wise never know how to fix the issue and always say someone will email except nobody ever does. There is no direct email with the company nor the ability to talk to someone who is not a simple parrot who only knows how to repeat the same thingyou will get an AI email and then nothing! 

I have seen on forums other people are having the same issue with this company keeping funds for months. And the ones who could resolve it did so with the help of their chase branch or complaining here. 

I want Wise to enable me to retransfer my remaining balance to my own checking account where it came from. 

Appreciate the help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" Pursuant to 15 U.S. Code 1681i, I am requesting a reinvestigation of the hard inquiry from [ XXXX XXXX ] reported on [ XXXX  ]. If [ Equifax/Experian/TransUnion ] and the furnisher can not provide verifiable documentation of my authorization, this inquiry must be deleted. '' I NEVER AUTHORIZED THESE INQUIRIES I CAME INTO DELIVERSHIP WITH MY OWN FINANCING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
" Pursuant to 15 U.S. Code 1681i, I am requesting a reinvestigation of the hard inquiry from [ XXXX XXXX ] reported on [ XXXX  ]. If [ Equifax/Experian/TransUnion ] and the furnisher can not provide verifiable documentation of my authorization, this inquiry must be deleted. '' I NEVER AUTHORIZED THESE INQUIRIES I CAME INTO DELIVERSHIP WITH MY OWN FINANCING.

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 2025-07-22 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: AL

Complaint narrative:
It has come to my attention that my information has been exposed in a national data breach. After reviewing my credit report, I have come across some information that does not belong to me. I have asked the CRA 's for validation of debt, but however they have not provided anything. Due to my information being exposed I have submitted an FTC complaint with the information I am not familiar with. 

Please find attached my ID, My FTC complaint, a copy of my NPD showing my information being exposed in XXXX XXXX breach.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-07-22 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: DreamSpring
State: GA

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX | Email : XXXX | Phone : XXXX CFPB Complaint Reference IDs : - XXXX - XXXX - XXXX This statement supplements the above-referenced CFPB complaints and provides a formal update based on new evidence of violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Regulation F ( 12 CFR Part 1006 ), and Metro 2 compliance standards. 

I, XXXX XXXX XXXX XXXX, respectfully submit this supplemental statement as part of my continued efforts to seek appropriate remedy regarding the inaccurate and unlawfully reported information appearing on my credit reports with XXXX, XXXX, and XXXX. This update highlights additional compliance violations under Metro 2 data standards and Regulation F enforcement protocols which demand immediate regulatory attention and enforcement. 
Metro 2 Compliance Violations - XXXX XXXX XXXX - Inconsistent account status across bureaus ( collection vs. charge-off ). 
- Missing required 'Date of First Delinquency ' ( DOFD ).

- Metro 2 requires consistency in Portfolio Type and Account Status.

- DreamSpring ( Accion NM ) - Original creditor not clearly listed or linked.

- Balance inconsistencies across bureaus ( {$7300.00} vs. {$8300.00} ).

- Incomplete payment history and unclear charge-off reporting. 
- XXXX XXXX ( XXXX  Only ) - No last payment date, charge-off date, or payment history reported. 
- Status history not updated in accordance with Metro 2 fields.

- Tradeline lacks required compliance condition codes.

Regulation F ( 12 CFR 1006.34 ) Validation Failures- XXXX XXXX XXXX - No validation notice received within 5 days of first communication. 
- Lacks itemization of debt and original creditor identification. 
- Violates 15 USC 1692g and 12 CFR 1006.34. 
- DreamSpring ( Accion NM ) - Debt reported with no mailed validation or consumer communication. 
- Reg F requires debt disclosure and consumer 's dispute rights.

- Possible unlawful third-party debt collection activity. 
- XXXX XXXX ( XXXX  Only ) - No notice of debt or right to dispute provided. 
- Appears as a third-party or reassigned debt without compliance. 
- Violates FDCPA validation procedures if debt was sold or transferred. 

I urge the CFPB to take immediate action by investigating the entities responsible for these reporting and validation defects and enforcing all applicable civil penalties under 15 USC 1681n, 1681o, and 1692k. I request that all unlawful tradelines be permanently removed and the data furnishers sanctioned for their failure to adhere to federally mandated standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Unisa, Inc
State: GA

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX | Email : XXXX | Phone : XXXX CFPB Complaint Reference IDs : - XXXX - XXXX - XXXX This statement supplements the above-referenced CFPB complaints and provides a formal update based on new evidence of violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Regulation F ( 12 CFR Part 1006 ), and Metro 2 compliance standards. 

I, XXXX XXXX XXXX XXXX, respectfully submit this supplemental statement as part of my continued efforts to seek appropriate remedy regarding the inaccurate and unlawfully reported information appearing on my credit reports with XXXX, XXXX, and XXXX. This update highlights additional compliance violations under Metro 2 data standards and Regulation F enforcement protocols which demand immediate regulatory attention and enforcement.

Metro 2 Compliance Violations - XXXX XXXX XXXX - Inconsistent  account status across bureaus ( collection vs. charge-off ). 
- Missing required 'Date of First Delinquency ' ( DOFD ).

- Metro 2 requires consistency in Portfolio Type and Account Status. 
- XXXX ( XXXX XXXX  ) - Original creditor not clearly listed or linked. 
- XXXX inconsistencies across bureaus ( {$7300.00} vs. {$8300.00} ). 
- Incomplete payment history and unclear charge-off reporting. 
- UNISA Inc ( XXXX  Only ) - No last payment date, charge-off date, or payment history reported.

- Status history not updated in accordance with Metro 2 fields.

- Tradeline lacks required compliance condition codes.

Regulation F ( 12 CFR 1006.34 ) Validation Failures- XXXX XXXX XXXX - No validation notice received within 5 days of first communication. 
- Lacks itemization of debt and original creditor identification. 
- Violates 15 USC 1692g and 12 CFR 1006.34. 
- XXXX ( XXXX XXXX ) - Debt reported with no mailed validation or consumer communication. 
- Reg F requires debt disclosure and consumer 's dispute rights. 
- Possible unlawful third-party debt collection activity. 
- UNISA Inc ( XXXX  Only ) - No notice of debt or right to dispute provided. 
- Appears as a third-party or reassigned debt without compliance. 
- Violates FDCPA validation procedures if debt was sold or transferred. 

I urge the CFPB to take immediate action by investigating the entities responsible for these reporting and validation defects and enforcing all applicable civil penalties under 15 USC 1681n, 1681o, and 1692k. I request that all unlawful tradelines be permanently removed and the data furnishers sanctioned for their failure to adhere to federally mandated standards.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-07-22 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late Payment * * Law Issue : Under FCRA Section 611 and Section 607 ( b ), furnishers of information must ensure maximum possible accuracy.

Story : This account is reporting late payments that I do not recognize. I have not received any delinquency notification. I am requesting a full reinvestigation and removal of any unverified or inaccurate data. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} Chargeoff * * Law Issue : Under FCRA Section 611 and FDCPA regulations, unverified debt must be removed.

Story : I do not acknowledge the accuracy of this charge-off. I have not received itemized debt validation. Until it's fully verified, it must be deleted due to the harm it causes to my credit. 

XXXX Inquiry XX/XX/XXXX Law Issue : Under FCRA Section 604 ( a ) ( 3 ), a hard inquiry must be authorized and permissible. 
Story : I did not authorize this hard inquiry. This violates my consumer rights, and I request its deletion. 

Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

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