vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP

Complaint narrative:
On XX/XX/XXXX, I made a wire transfer in the amount of {$87000.00}, from my account in the XXXX to my account at XXXX XXXX ( XXXX ). To this date, XX/XX/XXXX, I still have not received the funds. 

I have checked with my bank multiple times, including the compliance and back office, and have confirmed that the funds have not been received yet, and that they are not " on hold '' with my bank. 

I spoke with the intermediary bank XXXX XXXX  XXXX XXXX ) on multiple occasions, and they said they can not provide me with any information since I am not a customer of the bank, and that I need to check with the issuing bank. 

My bank did file XXXX times a request to refund the funds from the intermediary bank, without action or reply from XXXX  XXXX XXXX. 

I asked my bank for any record or evidence of the transaction, and all they provided me was with an internal " XXXX  '' number which did not help when I tried to speak to other banks. They did not provide me with the XXXX XXXX receipt which would have provided me with some evidence as to where the money currently is. I still do not have an answer as to where the money is being held right now.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint to dispute inaccurate and unverifiable information appearing on my credit report. Upon reviewing my report, I noticed that a XXXX XXXX XXXX account is listed as charged-off with a balance of {$12000.00}. Because this debt exceeds {$600.00}, federal law requires that the creditor issue an IRS Form 1099-C to report canceled debt. I have not received any such documentation, and therefore this account can not be verified. Reporting this charge-off without proper verification is inaccurate, misleading, and is negatively affecting my credit profile. I request that this account be removed immediately from my credit file. 
Additionally, my report contains multiple inquiries that I did not authorize. These inquiries include XXXX XXXX XXXX  dated XX/XX/XXXX, XXXX CARD dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all inquiries must have a permissible purpose, and under FCRA 619 15 U.S.C. 1681q, reporting inquiries without my consent is prohibited. These unauthorized inquiries must be 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
Consumer complaint received 2025-08-27 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: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-08-27 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: NJ

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NJ XXXX Date : [ XX/XX/XXXX Re : Formal Dispute and Demand for Investigation Under XXXX XXXX Code 1681b Lack of Written Consent To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry or furnishing of my consumer report information as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

Upon reviewing my credit report, I noticed that [ XXXX XXXX XXXX XXXX date opened XX/XX/XXXX, balance {$290.00} ] obtained and/or was furnished my consumer information without my written authorization as required by law. According to 15 U.S. Code 1681b ( c ) ( 1 ) ( A ), a consumer reporting agency may furnish a consumer report only if the consumer has given written instructions or consent. 

I have never provided such written consent or authorization to [ XXXX XXXX XXXX to access or be provided with my consumer information. Therefore, this access was unauthorized and constitutes a violation of my rights under the FCRA. 

Requested Actions : XXXX. Immediately investigate this matter under your obligations as defined in 15 U.S. Code 1681i, which requires a reinvestigation of disputed information. 


XXXX. Provide me with : A copy of the written authorization that allegedly permits [ XXXX XXXX XXXX XXXX XXXX my credit file. 

The date and method of consent, including any records showing how it was obtained. 



XXXX. If you can not verify that such written authorization exists, remove this inquiry or related account from my credit file immediately. 


XXXX. Provide me with written confirmation of the results of your investigation within 30 days as required by law. 



Please consider this letter formal notice of dispute under federal law. Failure to comply with these provisions may result in further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ SSN : Last XXXX digit XXXX ] XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-08-27 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: NJ

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NJ XXXX Date : [ XX/XX/XXXX Re : Formal Dispute and Demand for Investigation Under XXXX XXXX Code 1681b Lack of Written Consent To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry or furnishing of my consumer report information as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

Upon reviewing my credit report, I noticed that [ XXXX XXXX XXXX XXXX date opened XX/XX/XXXX, balance {$290.00} ] obtained and/or was furnished my consumer information without my written authorization as required by law. According to 15 U.S. Code 1681b ( c ) ( 1 ) ( A ), a consumer reporting agency may furnish a consumer report only if the consumer has given written instructions or consent. 

I have never provided such written consent or authorization to [ XXXX XXXX XXXX to access or be provided with my consumer information. Therefore, this access was unauthorized and constitutes a violation of my rights under the FCRA. 

Requested Actions : XXXX. Immediately investigate this matter under your obligations as defined in 15 U.S. Code 1681i, which requires a reinvestigation of disputed information. 


XXXX. Provide me with : A copy of the written authorization that allegedly permits [ XXXX XXXX XXXX XXXX XXXX my credit file. 

The date and method of consent, including any records showing how it was obtained. 



XXXX. If you can not verify that such written authorization exists, remove this inquiry or related account from my credit file immediately. 


XXXX. Provide me with written confirmation of the results of your investigation within 30 days as required by law. 



Please consider this letter formal notice of dispute under federal law. Failure to comply with these provisions may result in further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ SSN : Last XXXX digit XXXX ] XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against the three major credit bureaus for continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ).

This is a second formal dispute regarding multiple accounts inaccurately reporting late payments. My first dispute was sent more than 35 days ago, and I have yet to receive any valid documentation verifying the accuracy of these reported delinquencies. Despite my lawful requests, the bureaus have failed to provide documentary evidence or the required method of verification. 

Disputed Accounts with Alleged Billing Errors : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX Multiple accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The basis of my billing error disputes under 15 U.S.C. 1666 ( b ) includes : Failure to correctly reflect payments or credits. 

Computation or accounting errors by the creditor. 

Failure to provide proper billing notice at least 21 days before assessing late fees or reporting late payments. 

The bureaus failure to provide any proof of the alleged delinquencies or disclose their reinvestigation procedures violates : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures ensuring maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 am requesting the deletion of these unauthorized accounts from my credit report, as I did not authorize or know about their creation. In line with USC 1681g, I ask that they be removed within 15 days. Relevant documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 reaching out to dispute the way a charge-off account is currently being reported on my credit report. The accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$6900.00}, is listed as a Profit and Loss Write-Off or XXXX. However, I have not received an IRS Form XXXX for this account, which indicates that the debt has not been formally forgiven or canceled. As per IRS regulations, creditors are required to issue a Form XXXX for any canceled debt of {$600.00} or more, both to the consumer and the IRS. 
Because no XXXX has been issued, it appears that the debt XXXX not have been officially canceled. At the same time, reporting this account as a charge-off without evidence of forgiveness or formal cancellation can be misleading and harmful to my credit standing. I want to ensure that my credit report accurately reflects the true status of this account.

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 2025-08-27 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: LA

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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
this company collection account is reporting the account as open after serval attempts to have them remove the incorrect information. the company also agreed to send copies to validate, and it's been over a year and no response to my request. after several dispute to correct or delete they still have not deleted the account or corrected the information. I call the company about the issue after my dispute, and they agreed to delete the account from my credit profile the phone conversation agreeing to delete account was on XX/XX/XXXX 1. The collection account is reporting as open 2. It is also reporting a past due balance 3. Date of account open are different on credit profiles XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX Account removed from this profile as agreed 4. Account is not reporting disputed on Equifax report they have a legal obligation to mark as disputed Under Fair Debt Collection Practices Act ( FDCPA ) this Err intitules me op to {$1000.00} in damages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AZ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
This company has been calling me repeatedly at XXXX and calling from different numbers and calling after XXXX and there very rude and I have XXXX XXXX XXXX and an irregular XXXX rate and ever time they call my XXXX XXXX goes up and its affecting my my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
I am following up on my previous dispute regarding several unauthorized inquiries on my credit report. As previously stated, under FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ], my credit file may only be furnished to parties with a permissible purpose, such as a credit transaction initiated by me. I have not authorized, applied for credit with, or established any business relationship with many of the entities listed on my report ; therefore, these inquiries lack a permissible purpose and are inaccurate. In accordance with FCRA 611 [ 15 U.S.C. 1681i ], I am requesting that a reasonable reinvestigation be conducted and that any inquiries that can not be properly verified be removed or blocked from my report. Additionally, under FCRA 605B [ 15 U.S.C. 1681c-2 ], any inquiries resulting from fraudulent activity or identity theft must be blocked immediately once identified and disputed. 
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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 am formally disputing the accuracy, completeness, and verifiability of the below-referenced account on my credit file with Credit Bureau Agency

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, and the Fair Credit Reporting Act ( FCRA ).

For over three months, I have filed three separate dispute letters, each with full identification and supporting documentation, regarding inaccurate late payment entries on my credit report. Despite these repeated submissions, the credit bureaus have failed to correct or remove the disputed information. The inaccurate reporting is tied to the following accounts : XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1666, the credit bureaus and furnishers are required to acknowledge a billing error dispute within 30 days, investigate and resolve it within two billing cycles ( no more than 90 days ), and provide documentation explaining their findings. None of these legal obligations have been met. 

To date, the bureaus have : Failed to provide a lawful resolution. 

Failed to supply documentation relied upon during reinvestigation. 

Continued to report inaccurate late payments despite my evidence. 

This constitutes clear noncompliance with 15 U.S.C. 1666, 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ).

Company response to consumer: Closed with explanation