vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-23 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: CO

Complaint narrative:
I am filing this complaint because TransUnion failed to properly verify a disputed account on my credit report and has refused to comply with the Fair Credit Reporting Act ( FCRA ). 

I disputed inaccurate information on my TransUnion report. TransUnion replied within the 30-day window, stating the item was verified as accurate but provided no evidence or explanation of how this verification was conducted.

Under FCRA 15U.S.C.1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive a description of the procedure used during their reinvestigationincluding the furnisher contacted, the method of contact, and what was confirmed. I requested this information in writing on XX/XX/year>, and TransUnion refused. 

This refusal to provide verification details violates the FCRA. Without this proof, theres no way to confirm they actually conducted a reasonable investigation as required under 15U.S.C.1681i ( a ) ( 1 ) ( A ). 

Additionally, TransUnion is already under legal scrutiny : they recently agreed to a $ XXXX settlement in XXXX XXXX Trans Union XXXX XXXX ( XXXX. XXXX ), resolving allegations that they systematically failed to investigate or remove disputed hard inquiries, violating the same FCRA mandates Im invoking here.

I request the CFPB require TransUnion to either : 1. Provide a complete, detailed description of the reinvestigation procedureincluding who they contacted and how they verified the info ; AND 2. Delete the disputed item for failure to provide proper verification in the allotted timeframe.

TransUnions refusal to meet these legal standards reflects an ongoing pattern of shoddy, non-compliant dispute handling. I ask the CFPB to investigate and compel 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 non-monetary relief
Consumer complaint received 2025-07-23 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: TN

Complaint narrative:
Fraudulent inquiries on mycreditreport : XXXX XXXX2025 ; XXXX XXXX/2025 ; XXXX2025 XXXX XXXX XXXX2025 ; XXXX XXXX/2025 XXXX XXXX XXXX XXXX/2025 ; XXXX XXXX XX/XX/2025 ; XXXX XX/XX/2025.

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 2025-07-23 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
I am filing a complaint against Meade Recovery Services for unfair debt collection practices regarding a {$210.00} medical debt. I was unaware of this debt until they contacted me in early XX/XX/year>, as I believed it was fully paid through a payment plan with my doctors office. The debt, originally {$150.00}, now includes a {$60.00} collection fee and accruing interest, added without my knowledge or proper notice. I emailed the agency on XX/XX/XXXX and XX/XX/year>, requesting debt validation and offering to settle for the original {$150.00}, but they have not responded. Their practices may violate the Fair Debt Collection Practices Act ( FDCPA ) and Utah Code 15-1-1.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Unauthorized claims were made on my Chase checking account between XXXX XXXX. And they closed my accounts without any explanation the day before my XXXX check was to be deposited. XXXX days later I was able to get the money for that check, but I was told that my pay was returned to my employer on XXXX. When I contacted my employer on XXXX they never received it from Chase. Chase actually deposited my check for XXXX on XXXX, and I was told by Chase that I would not receive the funds because my account that was closed was in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
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.

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 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 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Fair Collections & Outsourcing ( XXXX ) is reporting two collection accounts XXXX XXXX XXXX  tXXXX  XXXX  ( Acct # XXXX for {$6800.00} ) and XXXX  ( Acct # XXXX for {$2000.00} ) to the credit bureaus without providing any of the documentation required under the FDCPA ( 15 U.S.C. 1692g ( b ) ) and the FCRA ( 15 U.S.C. 1681 et seq. ).

I have never received a copy of the original lease agreement, a payment ledger, a final account statement, move-out documentation, or any written proof I owed these debts. I submitted a dispute, and XXXX responded with irrelevant requests unrelated to the nature of my complaint. These tactics appear intended to avoid providing actual proof of the debt. This conduct violates 15 U.S.C. 1692e ( 2 ) ( A ), 1692g ( b ), and FCRA 623 ( a ) ( 1 ) ( A ), and is part of a pattern of deceptive practices consistent with the allegations in Thomas v. XXXX and similar FDCPA actions. 

Additionally, XXXX has reported this debt in apparent violation of Metro 2 data furnishing standards, as required by their agreements with the CRAs. The tradeline lacks clear date-of-first-delinquency ( DOFD ), accurate open dates, and substantiating fields. The account is being furnished as a verified debt without meeting any legal criteria for accurate reporting or lawful collection.

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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have fallen victim to a complex romance/employment scam. On or around XX/XX/XXXX, I took out a total of {$100000.00} through my home equity line of credit ( HELOC ) and sent the entire amount to the scammers. {$50000.00} was sent to a domestic bank in America, and the other {$50000.00} was sent to a foreign bank in XXXX. 

On XX/XX/XXXX, Bank of America sent me a denial letter ( copy attached ) and declared my fraud inquiry closed. Since then, requests for additional information/clarification were made to Bank of America XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX but Bank of America has yet to provide anything in regards to their fraud investigation and recovery attempts. 

When my daughter, XXXX XXXX, had recognized that XXXX XXXX had fallen victim to a scam and attempted to freeze XXXX XXXX 's accounts prior to XX/XX/XXXX, Bank of America refused to acknowledge our duly executed POA document designating her as my Power of Attorney and failed to take action in timely freezing my accounts, despite numerous red flags in my banking activity. 

Furthermore, on or around XX/XX/XXXX, I had withdrawn {$50000.00} through my HELOC for absolutely no reason and was forced to withdraw from my Roth IRA retirement account to pay the loan back in full, in addition to penalties and taxes for early withdrawal. This incident alone should have made Bank of America aware of my cognitive vulnerability and questionable banking behavior. 

CONSENT : I am hereby authorizing my daughter and Power of Attorney, XXXX XXXX, to request and obtain information on my behalf. Duly executed POA document is 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 2025-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XXXX, around XXXX XXXX, as me and my friends were leaving XXXX XXXX  on XXXX XXXX  XXXX XXXX XXXX 2 men approached us saying they are from a community organization called Bucket Boys and asked for a donation, to which I sent them {$10.00}. Then, they asked us to follow them on XXXX, and I opened my XXXX, and handed my phone to one of them to search their XXXX name for me. After a while he gave me my phone back and I realized he had uninstalled my Discover banking app and also taken out an additional {$990.00}, which I did not consent to nor was I aware of at the time of its happening. The {$10.00} I willingly sent as a donation and the {$990.00} I was scammed out of, were both sent through XXXX using my Discover XXXX account. I reported this scam to both Discover and XXXX, along with filing a police report. 

I got a letter from Discover today saying that the {$990.00} was considered a valid transaction and that this type of scam was not protected under regulation E of the Electronic Funds Act. 

Please let me know if I have any options in getting back my money or being reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX 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 XXXXXX/XX/year>

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 2025-07-23 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX 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 XXXXXX/XX/year>

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 2025-07-23 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 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 2025-07-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear [ XXXX ], I am writing to formally request an investigation and removal of derogatory information regarding the above-referenced account that appears on my credit report. Specifically, I am requesting the removal of : Late payment entries The charge-off status associated with this account This account, originally with XXXX, was reported as charged off and contains multiple late payments. While I acknowledge the accounts past status, I would like to explain that during that time I was experiencing significant personal and financial hardship and family emergency with XXXX being in hospital, which contributed to the delinquencies. 

Since then, I have taken substantial steps to regain control of my financial situation and improve my creditworthiness. I respectfully ask that you consider my request for removal of these negative items as a goodwill gesture and allow me the opportunity to move forward on a stronger financial path. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incomplete or unverifiable. If you are unable to verify the accuracy of the late payments and the charge-off with the original creditor, I request that they be removed from my credit report as required by law. 

Enclosed are any supporting documents related to the account and my current identification for verification purposes. 

Thank you for your time and assistance. I would appreciate confirmation in writing of the outcome of this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: 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 List of Unauthorized Inquiries : 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 XXXXXXXX - XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-23 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: TN

Complaint narrative:
XXXX. Multiple DEPT OF ED/XXXX accounts are reporting late payments from XXXX and XXXX despite being marked as Paid, Closed ; was Paid as Agreed as of XX/XX/XXXX. 
XXXX. Many of these accounts display " X ' indicators for months at a time which suggests missing or unverifiable data. 
XXXX. These accounts are now over 4 years closed and should not continue to reflect derogatory marks without full documentation. 
XXXX. I have made good faith attempts to resolve this directly with TransUnion without a satisfactory outcome. 

Accounts Involved ( Partial IDs for privacy ) : - DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX  - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX - DEPT OF EDXXXX XXXX * * * * - DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX  - DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  - DEPT OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX - DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX - DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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