vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: MI

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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am absolutely fed up with Equifaxs reckless and illegal handling of my credit file. Despite deleting two XXXX XXXX  accounts ( Account XXXX opened XX/XX/XXXX, balance {$29000.00} ; Account XXXX opened XX/XX/XXXX, balance {$17000.00} ) as unverifiable, Equifax reinserted them without notice, documentation, or explanation. Equifaxs refusal to conduct a lawful reinvestigation under federal law has wasted my time and abused my rights. On XX/XX/XXXX, I filed a CFPB complaint about this unauthorized reinsertion. On XX/XX/XXXX, Equifax assured me those accounts were deleted. I believed the matter resolveduntil XX/XX/XXXX, when my credit report still listed both accounts. Is Equifax making me look stupid by telling me they were gone when they were never removed? XXXX template replies parroting the furnisher do not satisfy the Method of Verification requirement under 15 U.S.C. 1681i ( a ) ( 7 ). If Equifax can not produce internal records showing who verified these accounts and how, then Equifax had no right to report them at all. Equifaxs actions violate multiple provisions of the Fair Credit Reporting Act. Equifax failed to notify me before reinserting deleted information as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Equifax did not complete a reasonable reinvestigation within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ). Equifax reported accounts without my authorization, in violation of permissible purpose requirements under 15 U.S.C. 1681b ( 2 ). Equifax continues to publish accounts that XXXX confirms it never reported to any major credit bureau. This is deliberate, negligent, and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted valid identity theft documentation to Experian, Equifax, and TransUnion under 15 U.S.C. 1681c-2, including my FTC Identity Theft Report, government-issued ID, Social Security card, and proof of current address.

Under this law, the credit reporting agencies are required to block the reporting of these fraudulent accounts within 4 business days. Instead, weeks have passed and the accounts remain on my credit reports. 

Worse, the furnishers and/or credit bureaus have continued to update these fraudulent accounts with new derogatory information, causing my credit score to drop approximately XXXX points after I provided proof of identity theft. This is a clear violation of FCRA 1681c-2 ( failure to block ) and FCRA 1681s-2 ( a ) ( continuing to furnish inaccurate information ). 

I have also received frequent harassing calls from parties associated with these disputed accounts, which if they are debt collectors violates the FDCPA, as they are engaging in collection activity during an active dispute and after being notified of identity theft. 

I am documenting every call, every credit report update, and the continued harm to my credit profile. I request that the CFPB take immediate enforcement action to ensure : XXXX. All fraudulent accounts identified in my XX/XX/XXXX submissions are blocked and removed immediately per 1681c-2.

2. All negative updates and inquiries related to these accounts cease.

3. All harassing contact stops immediately. 
4. The furnishers and credit bureaus are held accountable for ongoing FCRA and FDCPA violations.

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 2025-08-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XX/XX/year> Re : Second Request Method of Verification & UCC 9-614 Noncompliance XXXX XXXX XXXX Account XXXX To Whom It May Concern, Your prior response to my dispute failed to include the method of verification as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), and you did not produce any authenticated documentation showing that XXXX XXXX XXXX complied with UCC 9-614. 

You are now on notice that continued reporting without proper verification is a willful violation of the Fair Credit Reporting Act. 

I demand that you either : 1. Provide the complete method of verification, including authenticated proof of UCC 9-614 compliance ; or 2. Permanently delete the account from my credit file. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1200.00} REPORTING ON EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$300.00} REPORTING ON XXXX  AND EQUIFAX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$310.00} REPORTING ON XXXX  AND EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2500.00} REPORTING ON EQUIFAX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$890.00} REPORTING ON EQUIFAX AND XXXX XXXX Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX at Chase and they never got back to me about my application status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
My Name Is XXXX XXXX XXXX, I was involved in the date of XXXX XXXX, Transunion and Experian data breach settlement back in XX/XX/XXXX. My information was compromised from the data breach there shouldn't be any trade-line reporting on any of the accounts from XXXX, Transunion and Experian due to the fact that my information has been compromised? On my XXXX  that Department of education XXXX just appeared on my Credit report account due to the data breach. For the last five years nothing has been put in the name of XXXX XXXX XXXX or I haven't used any credit in over 5 years. All trade lines accounts must be deleted from all three major credit reporting agency XXXX, Transunion and Experian. No data should be provide or given out. This also applies to XXXX of the Department of education who just magically appeared on my credit report. Im requesting that this company and all other trade lines be blocked and deleted from all three credit reporting agencies XXXX, Transunion and Experian immediately.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My small business has a checking account with Truist. Truist charged me {$1700.00} in overdraft and returned item fees in XXXX alone, at {$36.00} per fee, with multiple fees per day. This was caused by clusters of low balance periods that snowballed - each fee pushed my account further negative, which caused the next transaction to fail, triggering another {$36.00} fee. Other major banks have already reduced these fees to {$10.00} and limit the number charged per day. I called Truist on XX/XX/XXXX and spoke with a customer service representative and a specialist. I requested a refund of these fees as a courtesy since most are from the same days and in line with recent consumer protection guidance limiting excessive fee stacking. Truist refused to refund any portion of these charges. XXXX told me that they could not refund any fees because of the amount of money in my account, implying that refunds are only provided to customers with higher balances or deposits. This is unfair and discriminatory towards customers with lower incomes and contributes to financial hardship. Truist 's refusal to adjust these excessive charges in unreasonable and harmful.

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 2025-08-11 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:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$150000.00} {$140000.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$100000.00} {$70000.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX  XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-11 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: TX

Complaint narrative:
I recently disputed the following account ( s ) on my credit report with your agency. I have now received notice that the disputed item ( s ) have been " verified '' as accurate.

However, under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request the method of verification used to validate the accuracy of the information. 
Account Name/Number : XXXX  / XXXXXXXX XXXX XXXX/ XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Date of Dispute : XX/XX/year> .Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the following within 15 days of receipt of this letter:1. The name and contact information of the person or entity with whom you verified the information ; 2. A detailed description of the method used to verify the account ; 3. Copies of any documentation or records used in your investigation to verify this information. If you can not provide these documents and the exact method of verification within 15 days, I demand that you immediately delete the item ( s ) from my credit report as required by the FCRA. Please note that failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. I will also consider pursuing further legal remedies available to me under the FCRA. This is not a refusal to pay but a notice sent pursuant to federal law. 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 2025-08-11 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: WI

Complaint narrative:
I recently checked my credit report and notice multiple accounts that do not belong to me and are damaging to my 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 2025-08-11 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-11 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:
My information was fraudulently used and stolen to open accounts I didnt authorize and I have a FTC identity theft report that states these were fraudulent as a result of identity theft they are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
My information was fraudulently used and stolen to open accounts I didnt authorize and I have a FTC identity theft report that states these were fraudulent as a result of identity theft they are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/year>, I hired XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Their schedule called and stated a {$240.00} base price plus additional cost per vent, but no per-vent rate was disclosed before the service began. After minimal work, the technicians charged {$2700.00} based on an unagreed {$2500.00} flat rate plus taxes and credit card fees. I paid with my Apple Card ( Goldman Sachs ) and later disputed {$1700.00} of that amount as an overcharge due to deceptive pricing. I provided evidence showing no cost disclosure, no written estimate, screenshots indicating fake online reviews, and video evidence the worker was at my home for under two hours. Goldman Sachs denied my dispute without addressing the misrepresentation. I request CFPB review and reversal of the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: OH

Complaint narrative:
They refuse to say the name of the company or reason for calling, I've asked them not to call again multiple times... Finally tried calling back and got the company name " Waypoint Resource Center ''

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 2025-08-11 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: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief