vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-26 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: FL

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 non-monetary relief
Consumer complaint received 2025-09-26 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: FL

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I sent debt validation request and they in turn sent me the contract from the original creditor with my last payment date and amount. No paperwork they sent states a contractual obligation between myself and MCM. I asked previously for payment history for the original account. They could not supply that either with would prove I'm obligated to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I am writing to dispute the late payment currently listed under my account. This reporting is inaccurate and misrepresents my payment history, as all of my payments have been made on time.

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 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence serves as a dispute of fraudulent accounts that were improperly reported under my credit file. These accounts do not belong to me, were not authorized by me, and represent harmful inaccuracies that are damaging to my reputation and creditworthiness.

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 2025-09-26 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:
I am writing to dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I noticed incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. 
Some of this information is not associated with me, and these inaccuracies could lead to misidentification, confusion with others. I have already submitted correction requests and provided supporting documents to verify my accurate and current information, yet these errors remain unresolved. 
These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

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 2025-09-26 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: TX

Complaint narrative:
I am contacting you to dispute a late payment listed on my credit file. My records confirm that all payments were made on time. The reported late payment is inaccurate and misrepresents my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MI

Complaint narrative:
XXXX day i got a notice about a US Bank account in my XXXX  name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i called and sure enough someone opened an acct in my XXXX  name and address. so i told them it was not authorized by me so to cancel it. they told me that day they would but i kept getting things and i called back again in a month and that's when i finally got to fraud dept and then they sent me forms which i sent back in a few days ago. haven't heard anything since.

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 2025-09-26 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: MI

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and the furnishers of information listed below for violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. The information currently reported on my credit file is inaccurate, incomplete, and misleading. I demand a full investigation, immediate correction, and removal of the items in dispute. 

Accounts and Issues in Dispute : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Wrong Address XXXX XXXX XXXX, XXXX, MI XXXX Wrong Address XXXX  Acct # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$16000.00} Wrongly Reported Late Payments XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$21000.00} Wrongly Reported Late Payments XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} Wrongly Reported Late Payments XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$810.00} Improper Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$180.00} Inaccurate Collection Reporting XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$440.00} Improper Charge-Off Reporting XXXX XXXX Grounds for Complaint : The addresses listed are not mine and should never have been linked to my credit file. 

Several accounts are reporting late payments, charge-offs, and collections inaccurately and without proper validation.

Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers must report complete and accurate information. These accounts fail that standard.

Under the FDCPA, debt collectors must provide proper validation before reporting debts. I have not received such validation.

Continuing to report these errors is causing financial harm, credit denial, and reputational damage.

Requested Resolution : Immediate deletion of the incorrect addresses from my credit file.

Removal or correction of all inaccurate late payment, collection, and charge-off entries listed above.

Written confirmation from both the credit bureaus and furnishers that these changes have been made.

Assurance that no further unverifiable or inaccurate information will be reported.

Failure to correct these violations will leave me no choice but to escalate the matter further, including potential legal action for damages under the FCRA and FDCPA.

I expect your prompt investigation and resolution in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-26 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am reaching out to formally dispute an unauthorized inquiry that appears on my credit report. I have not applied for credit with the company listed, nor have I given consent for this inquiry to be made. This fraudulent activity is very concerning and is causing me unnecessary stress, as I take the protection of my personal and financial information extremely seriously.

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 2025-09-26 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:
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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Friend of mine send funds. I have had my account locked and they will not tell me why. I have requested on numerous occasions to figure why and to have my funds released. First day I was put on hold for 30min then hung up on. Next time they said it would be freed in 24hrs. It is now day 11 and everyday I ask the XXXX XXXX XXXX refuses to put me through to a pertinent person and same with calling attempts. They are stone walling me at every turn and have effectively stolen my money and are refusing to release it, act in good faith, or even have the dignity of admitting it. 
They have had the audacity to attempt to blame another bank I am attempting to move my money to with said bank operating just fine. I have even request they return the money to the sender so we can go around said amateurs. But they still sit on it and have claimed the complaint has been escalated but yesterday could not even remember that they have since " escalated '' the complaint 3 separate times because they do not know what they are doing. 
They have refused all avenues or solutions and until a solution has been met, have effectively stolen {$340.00}. I have been tempted to file a theft charge in my county as they have been nothing but useless and waste time with nonsense pleasantries.

I request a firm and rapid solution to this blatant negligence and fraudulence at best and malicious theft at worst. 

With regards XXXX XXXX XXXX I have pertinent copies of chat messages upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see 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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have a car loan with Ally Bank ( Account ending in XXXX ) since XX/XX/XXXX. My monthly payment is {$560.00}. Since XX/XX/XXXX, due to XXXX, I have struggled to make payments and repeatedly requested temporary assistance to reduce my monthly payment or extend the loan. 

I emailed Allys CEO and executive team, asking : What flat amount is required to stop immediate repossession and charge-off?

What temporary payment options are available? 

I received only vague responses, including a recent email on XX/XX/XXXX, citing a past due balance of {$3500.00} and total outstanding balance of {$22000.00}, without providing a breakdown or addressing my specific requests. 

Additionally, an Ally employee previously suggested I apply to Allys careers page as a solution to my hardshipan inappropriate and unhelpful response. Multiple agents have contacted me or my family, but none have provided clear answers or actionable guidance. Attempts to reach the executive resolution team have failed.

Due to Allys lack of communication and actionable assistance, I am at risk of vehicle repossession and charge-off despite my willingness to resolve the account responsibly. I am seeking : The flat amount required to stop repossession and charge-off Temporary options to reduce my monthly payment while I seek employment Clear, responsive communication from Ally Bank regarding this account

Company response to consumer: Closed with explanation