vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
This company has engaged in a repeated pattern of non-compliance across multiple TransUnion entities, including TransUnion LLC, TransUnion Interactive/Solutions , and XXXX. Instead of conducting lawful reinvestigations under 15 U.S.C. 1681i, they have repeatedly closed my disputes using generic language, contradictions, and excuses that do not address the actual evidence I submitted.

Across several complaints, TransUnion claimed they could not open files that were NOT password-protected, NOT over the size limits, and NOT a security threat. This appears to be an intentional strategy to avoid reviewing evidence. Then, instead of investigating, they prematurely closed my disputes and repeated scripted explanations that do not address re-aging, duplicate reporting, inaccurate data, or prior dispute history. 

Both TransUnion LLC and TransUnion Solutions have provided conflicting statementsone claiming they can not access files, another claiming no investigation is needed, another closing disputes as other, and another claiming unauthorized third-party involvement despite clear proof I filed everything myself. XXXX also failed to correct or verify their data even after being provided with documentation. This shows a coordinated pattern of obstruction across all three entities. 

These actions violate the FCRA, including 15 U.S.C. 1681i ( failure to reinvestigate ), 1681e ( b ) ( failure to maintain maximum possible accuracy ), and 1681i ( a ) ( 3 ) ( improper use of frivolous dispute classifications ). TransUnion ignored evidence, ignored multiple dispute attempts, and failed to provide any meaningful response to the specific inaccuracies I identified. Closing disputes multiple times without review is not complianceit is avoidance.

The company did not correct or verify the disputed information, did not address re-aging concerns, did not address duplicate entries, did not address mixed-file indicators, did not address reporting delays, and did not provide evidence from the furnishers. This response is misleading, incomplete, and does not resolve the issue. Instead, it demonstrates a pattern of willful non-compliance and avoidance of the required reinvestigation process across all three TransUnion-related entities.

The response they provided does not reflect the facts of my complaint, does not address the evidence, and does not correct the inaccurate information remaining on my report. I am requesting that the CFPB review the companys pattern of repeat closures without proper investigation, inconsistent explanations, and failure to follow federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CO

Complaint narrative:
I am a verified victim XXXX XXXX XXXX debt bondage, and identity theft. 

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

The items listed below were created or maintained under conditions of coercion and identity misuse. These records are inaccurate, do not belong to me, and continue to cause harm to my financial standing and personal well-being. 

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ADDRESSES TO DELETE : Incorrect Address XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX EMPLOYERS TO REMOVE : EMPLOYER XXXX XXXX EMPLOYER XXXX XXXX ACCOUNTS TO BLOCK : XXXX XXXX XXXX0} HARD INQUIRIES TO REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting that TransUnion immediately block and delete all of the above information pursuant to FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and provide written confirmation once the actions have been completed.

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 2025-11-17 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in regards to the following accounts on my credit report. I am disputing the accuracy and completeness of the information being reported by the bureaus listed below. I request your intervention to ensure these issues are addressed in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 


XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$73.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} Inquiries TransUnion ( XXXX ) : XXXX  Date of Inquiry : XX/XX/XXXX Positive Accounts 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Good afternoon. I have repeatedly tried to get two 30 day late payments from Capital One removed from all 3 credit reports. Please see below for account information : XX/XX/year> - Capital One account # XXXX XX/XX/year> - Capital One account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Thursday XX/XX/year>, Chase abruptly shut down all three of my credit card accounts ( my XXXX XXXX, my XXXX XXXX, and my XXXX XXXX ) without any prior notice, explanation, or warning. I did not receive an email, letter, or alert beforehand. 

Because all three cards were suddenly closed, I had no way to pay for purchases and no understanding of what had happened. I immediately called Chase to ask why my accounts were closed and whether there was an error or something I could resolve. I was told that there was nothing they could say, nothing they could discuss, and nothing they could do, and that I would receive a letter in the mail. 

Several days later, on XX/XX/XXXX, I received the electronic notice. The listed reasons were : Too many requests for credit or reviews of credit Account not used as intended These explanations are vague and not tied to any clear violation of the cardmember agreement. I have not engaged in any improper conduct, fraud, misuse, or prohibited behavior. All usage has been normal, responsible, and within the stated terms. 

I also want to note that I have been a paying Chase customer for 25 years, with a long-standing and positive history. Despite this, Chase closed three accounts simultaneously without warning, without giving me a chance to understand their concerns, and without offering any way to resolve or clarify the issue. 

The sudden closure of all my cards caused significant disruption and stress. I was left without access to credit, unable to complete transactions, and unable to understand or what had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
There was an auto lease agreement done without my consent to Mercedes-Benz financial . I am fathering this claim because I need this removed from my credit because it is stating that I have a lease agreement or aThere was an auto lease agreement done without my consent to Mercedes-Benz financial . I am fathering this claim because I need this removed from my credit because it is stating that I have a lease agreement or an open lease for a vehicle that I have never owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report inaccurate and outdated personal information on my credit file, even after four written disputes. The bureau is still showing old addresses, previous name variations, and outdated employment history that are no longer connected to me and have already been disputed multiple times. The only correct information is my current address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and my legal name ( XXXX XXXX XXXX XXXX XXXX 

XXXX. Outdated / Incorrect Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect / Outdated Alias Names ( AKAs ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Outdated / Inaccurate Employment History XXXX  XXXX XXXX ( Updated XX/XX/year> ) XXXX XXXX XXXX XXXX ( Updated XX/XX/year> ) XXXX. Correct Information You Want Reflected Correct Legal Name : XXXX XXXX XXXX Correct Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit report contains several unauthorized and unverified hard inquiries that I did not initiate, authorize, or consent to, and which are being reported without a valid permissible purpose in violation of the Fair Credit Reporting Actspecifically 15 U.S.C. 1681b ( permissible purposes of consumer reports ), 15 U.S.C. 1681s2 ( responsibilities of furnishers ), 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ( prohibition on reporting inquiries for transactions not initiated by the consumer ), and 15 U.S.C. 1681n ( b ) ( liability for obtaining a consumer report under false pretenses ) and because the credit reporting agency has failed to provide proof of my signed authorization or permissible purpose despite my request for a reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), these unauthorized inquiries continue to harm my creditworthiness, increase my risk of identity theft, and must be removed immediately as there is no legal basis for their continued reporting.

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 2025-11-17 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: TX

Complaint narrative:
I disclaim any connection to these accounts ; they must be removed within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
I am submitting this complaint because XXXX  is reporting several items on my credit file that I believe are inaccurate, incomplete, or unverifiable according to the Fair Credit Reporting Act ( FCRA ). I am simply trying to correct my personal credit report, and I am requesting a full investigation into the accounts listed below. 


CHARGED-OFF ACCOUNTS ( TU ) XXXX XXXX Acct : XXXX XX/XX/XXXX {$14000.00} XXXX XXXX  Acct : XXXX XX/XX/XXXX {$8500.00} XXXX Acct : XXXX XX/XX/XXXX {$6300.00} These accounts may contain inaccurate dates, balances, or reporting information. I am requesting a reinvestigation. 

INQUIRIES ( TU ) ( No inquiries listed for TransUnion ) POSITIVE ACCOUNTS ( TU ) ( None listed ) LATE PAYMENT ACCOUNTS ( TU ) XXXX  XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX Acct : 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 2025-11-17 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: WI

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
Received information from my credit reporting agency that a new collection was added to.my credit profile. I reviewed my report but I have no knowledge of this account. I was a victim of fraud so this is another fraudulent transaction.

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 2025-11-17 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: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
Unauthorized accounts are fraudulently listed under my name without my knowledge or consent I have never authorized or managed them. This is intolerable, as it distorts my financial history with false information. I prioritize my credit profile, and these entries have caused severe XXXX. I require immediate explanation of their origin and the responsible parties.

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 2025-11-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Issue : Bank accepted a refund into a closed/restricted account, withheld the funds, and now shows a negative balance. 

Company : SoFi Bank, N.A. 

What happened ( full detailed explanation ) : My SoFi account ( Account Number : XXXX ) was placed under restriction for several months and then officially closed XXXX XXXX XXXX XXXX XXXXriction/closure period, XXXX issued a refund totaling {$320.00} to the account in three increments. Under SoFis own restriction/closure policy, the account should not have been able to receive deposits or withdrawals. 

Despite this, SoFi accepted the refund deposits and then closed the account with a {$320.00} balance. The funds were never released to me, and I was told I would not receive a closure check. Representatives claimed they could not access documents related to my case and provided no resolution. 

This conduct appears to violate federal consumer-protection standards. The Consumer Financial Protection Bureau ( CFPB ) Circular XXXX states that when a consumer closes a deposit account, the financial institution typically returns any funds remaining in the account to the consumer at closure. It also states that a banks unilateral reopening of deposit accounts that consumers previously closed may constitute an unfair act or practice under the Consumer Financial Protection Act ( CFPA ). 

By accepting deposits into a restricted/closed account and withholding the funds instead of issuing them to me, SoFi has acted inconsistently with the standards outlined in CFPB Circular XXXX and may have engaged in an unfair act or practice under the CFPA. 

I am simply trying to recover my own refunded money, which should have been returned to me at account closure. I have attempted to resolve this with SoFi directly under Case NumbeXXXX XXXX, but I have not received answers or access to internal records. 

What I want SoFi to do : 1. Release the {$320.00} XXXX refund to me via check or transfer to my active account. 
2. Provide written documentation explaining why the refund was accepted into a restricted/closed account. 
3. Remove the improper {$320.00} balance so no negative reporting occurs. 

Why this matters : SoFi accepted funds into an account that legally should not have been receiving deposits. The bank then kept the refunded money and closed the account with a negative balance, which is both unfair and inconsistent with federal guidelines. I am requesting the CFPBs assistance in resolving this matter. 

My contact information : Name : XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
1. There were a transfer between linked accounts ( XXXX and Etrade-Morgan Stanley ) that should not have happened. 
2. As I asked how this happened, the following happened to my account at etrade : -They merged two user IDs with out my authorization. One ID for Roth IRA and another for checking, brokerage and saving.

- Then, they created a Joint brokerage account ( i called and closed it ) -Then, I was not able to see Bank Activity for two weeks or so.

-On Thursday XX/XX/year>, they finally fixed the issue so I am able to see the bank activity. 
-BUT, now I am unable to use Bill Pay from my checking account. I am on the phone as I write this and another 40 minutes. 

I have spend good 25-30 hours on this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file. 

Since I never provided authorization for this company to access my credit, I am formally requesting the immediate removal of this unauthorized inquiry from my credit report. If you are unable to provide documented proof that I granted permission, you are required by law to delete this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: KS

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding certain items on my credit report that I believe to be inaccurate and incomplete. Below is a detailed list of the accounts in question, separated by bureau. 

Inquiries : XXXX XXXX XXXX XXXX, XX/XX/scrub>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 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