vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: AZ

Complaint narrative:
Please help me. I am submitting this formal complaint against Transunion for violating my rights under the Fair Credit Reporting Act ( FCRA ). I am urgently requesting the immediate removal of an account that was previously deleted from my credit report and later reinserted without proper notice or verification, in violation of federal law. 

Account Information : Account Name : XXXX CARD Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Removal : XX/XX/year>2024 Date of Reinsertion : XXXX, 2024 What Happened : On XX/XX/scrub> 2024, Transunion deleted this account from my credit report after I submitted a dispute due to inaccurate information. I trusted that the issue was resolved. 

However, on XXXX, 2024, I discovered that Transunion had reinserted the same accountwithout notifying me, and without providing any certification of its accuracy, as required by law. 

This is not just an error. It is a direct violation of multiple sections of the FCRA, and it has caused me serious harm. 

Violations of the Fair Credit Reporting Act : XXXX ( a ) ( XXXX ) ( B ) : XXXX failed to obtain a certification from the furnisher before reinserting the previously deleted information. 

XXXX ( a ) ( XXXX ) : The account was reinserted without any updates or corrections, violating the duty of furnishers to report accurate and complete information. 

XXXX ( d ) : I was never given written notice within XXXX business days of the reinsertion, which is a mandatory requirement under this section. 

XXXX ( b ) : XXXX failed to implement reasonable procedures to ensure the maximum possible accuracy of the information in my report. 

Harm Caused : My credit score dropped, making it harder to qualify for a mortgage. 

Ive lost valuable time and energy trying to fix an issue that should have remained resolved. 

My familys plans for homeownership have been delayed, affecting our stability, well-being, and my mental health. 

What I Am Requesting : Immediate removal of the reinserted XXXX CARD account from my Transunion credit report. 

Written confirmation that the account has been removed and will not be reinserted without full compliance with the FCRA. 

A full investigation into Transunions reinsertion practices to ensure this does not happen to me or others in the future. 

A commitment to uphold my rights under the FCRA moving forward. 

Compensation for the financial and emotional damage caused by this unlawful reinsertion. 

Please acknowledge receipt of this complaint and inform me of the actions that will be taken. I trust the CFPB will take this matter seriously and ensure that Transunion is held accountable under federal law. 

Thank you for your time, attention, and support.

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 2025-08-03 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: NC

Complaint narrative:
I disputed a tradeline with Experian regarding an account from XXXX XXXX that has been closed and derogatory since XXXX. Under FCRA 611, they were required to respond in 30 days and failed to do so. This is a violation, and I am requesting permanent deletion of the tradeline

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 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
HNBHSC paid off in full on credit report showing missing payments to this date reporting I am missing payments and originally before I paid off showed the missing payments so why is it saying Im still missing payments when I already paid it in full I do have a document from that establishment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB Representative, RE : Formal Complaint Against Bank of America Regarding Mishandled Fraudulent Check Incident I write on behalf of XXXX XXXX XXXX, XXXX, a business banking client of Bank of America, to formally demand immediate resolution of a five-month-long fraud incident involving your institution 's gross negligence, breach of contract, and failure of duty to our company. 
We are filing a formal complaint against Bank of America for its failure to investigate and resolve a serious incident involving a fraudulent check cashed from our business account. 
On [ Insert Check Date ], our business issued a check for over {$5000.00} via Bank of Americas online bill pay system to a commercial mortgage lender. The check was intercepted and fraudulently cashed at a Bank of America branch by an unauthorized individual. Despite the fact that the check was cashed in person at a teller window, Bank of America has refused to reimburse the stolen funds or conduct a thorough investigation. 
We initially reported this incident months ago, and although we received a phone call on XX/XX/year>, from a representative named XXXX XXXX requesting additional time, no meaningful updates or resolution have been provided to date. 
Bank of America has access to video footage, teller logs, and transaction data, yet they have refused to provide a refund or hold any internal party accountable. Their lack of transparency and unwillingness to act has caused undue financial harm to our business. 
We respectfully request that the CFPB investigate this matter and hold Bank of America accountable for their failure to protect our account, their refusal to refund the misappropriated funds, and their failure to act with due diligence and transparency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pl. XXXX, FL 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 2025-08-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-03 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: TX

Complaint narrative:
I am a victim of XXXX XXXX  i have recently revied my credit report and noticed multiple addresses listen in my personal file that i do not recognize. please update and correct this information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
They locked my account and told me I have to wait XXXX months to withdrawal it. I need my money now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-03 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX TransUnion XXXX. XXXX XXXX, PA XXXX Dispute and Request for Deletion of XXXX XXXX AccountAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am formally disputing the accuracy and completeness of the tradeline associated with the account listed above ( XXXX XXXX ) as reported on my TransUnion credit report.

Under the Fair Credit Reporting Act ( FCRA ), I am asserting the following : Violation of 15 U.S. Code 1681i Reinvestigations by the CRA : I am requesting a reinvestigation into this tradeline. The account is marked as Paid yet reflects Charge-off/Collection status. These two designations are inherently contradictory and misleading, and such inconsistency can cause unjust harm to my creditworthiness.

Violation of 15 U.S. Code 1681e ( b ) Maximum possible accuracyThe information being reported fails to meet the standard of accuracy and consistency required by law. If a debt has been paid in full and the balance is {$0.00}, it should not continue to be reported with derogatory remarks such as " Payment after charge off/collection. '' This falsely characterizes my payment behavior and creates a materially inaccurate depiction of the account.

Outdated or Unverifiable StatusThe most recent activity on this account was reported on XX/XX/year>. If the furnisher of information ( the creditor ) can not fully verify the accuracy, legality, or timeliness of the derogatory information, it must be deleted under FCRA guidelines.

Misleading Remarks Affecting Fair Credit AssessmentThe continued reporting of a derogatory status despite the account being paid and closed serves no legitimate purpose under FCRA, especially when the balance is {$0.00} and there is no outstanding obligation. The use of the term " collection/charge-off '' in a paid account artificially depresses my credit score and constitutes unfair harm.

Therefore, I respectfully request the following Complete removal of the XXXX XXXX XXXX from my TransUnion credit profile. 
Written confirmation of the results of your reinvestigation and any deletions made.

If the furnisher can not verify with proper documentation within 30 days, this account must be removed, as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ).

Please consider this a formal dispute under the FCRA and ensure all actions taken are documented. If the item is verified, I am requesting a description of the procedure used to determine the accuracy, as required under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

Thank you for your attention to this matter. I look forward to your prompt response within the timeframe mandated by law. 
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 non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Debt Validation To Whom It May Concern : I am writing to request validation of the debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide the following information : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including a breakdown of interest, fees, payments, and credits ; XXXX. Copies of any documents or agreements bearing my signature or that otherwise establish that I am legally obligated to pay this debt ; XXXX. A copy of your debt collector license, if required by my state ; XXXX. Proof that you are legally authorized to collect this debt in my state. Please note that until this debt is validated, I request that you cease all collection activities, including reporting this debt to credit bureaus. If you have already reported this debt, please inform the credit bureaus that the debt is disputed. If you fail to provide this documentation, or continue collection efforts without validating the debt, you will be in violation of the FDCPA, and I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. This letter is not a refusal to pay but a request for validation. Please respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to you regarding an item appearing on my credit report that you allege I owe in connection with a rental property XXXX XXXX atXX/XX/XXXXXXXX Apartments. I formally request that you validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. CXX/XX/XXXXe XXXXg. 

This is not a refusal to pay, but a notice that your claim is disputed, and that I am requesting full validation of the alleged rental debt. Until such validation is provided, you must cease all collection activity, including credit reporting. 



I am requesting the following documentation for validation : XXXX. A copy of the original signed lease agreement bearing my signature. 
XXXX. A full itemized breakdown of charges being claimed ( e.g., rent owed, damages, late fees, cleaning fees, legal fees, etc. ). 
XXXX. Move-out documentation, including : Final inspection report Move-out date Any communication or notices sent regarding charges XXXX. Proof that National Credit System is legally authorized to collect this alleged debt, including chain of title or assignment from the original creditor. 
XXXX. Payment history and dates the charges became due. 
XXXX. Proof that you are reporting this debt accurately and in compliance with the Fair Credit Reporting Act ( FCRA ). 



Additional Notices : If you can not provide full validation, you are required to delete the account from all consumer credit reporting agencies. 
If this debt is already being reported, you must immediately update the status to Disputed by Consumer. 
Any further attempts to collect without full validation will be considered a violation of the FDCPA and FCRA, and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Please consider this letter a formal notice under the FDCPA to cease all collection activity until validation is provided. You have XX/XX/XXXXdays from the receipt of this letter to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a {$400.00} American Express gift card. The gift card had remained in my house within a safe for XXXX months. When I had taken the card out to use it at XXXX, the cashier told me that there were no more funds on the card. After I left the store, I checked the balance and saw that fraudulent activity had occurred on my card. I reached out to American Expresss gift card department to review the fraudulent activity so I could get my funds reimbursed. After a supposed months long investigation, American Express gift cards told me that they had evidence that I used the gift card at the random locations that appeared on the gift card statement. I have never heard of nor visited these places in my life Especially since the businesses where the gift card was used is hours away from where I live. I also did not provide the card information to the company to purchase the products on my behalf.

I requested proof of their evidence so that I could provide it to the CFPD, but they never responded to my emails after they sent me the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request to XXXX XXXX  asking them to verify the accuracy and legitimacy of a charged-off account reporting on my credit file. I requested the original signed contract, a full payment history, proof of ownership of the debt, and documentation showing how the amount was calculated. They failed to provide any of the requested documents within the XXXX timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Despite their failure to validate the debt, TransUnion marked the account as verified and accurate without providing me with any proof or documentation used in their investigation. This is a violation of my rights under the FCRA. I submitted a dispute to TransUnion in good faith and was not provided with the method of verification or evidence from the furnisher. 

This inaccurate and unverified account is damaging my credit score and affecting my ability to obtain housing and credit. I am requesting that this unvalidated account be permanently removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation