vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-11 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:
I am filing this complaint because my credit report is still showing a collection account from XXXX XXXX with a reported balance of {$0.00} and a paid status as of XX/XX/year>. While the account has been settled and closed with a XXXX balance, it continues to be reported in a way that inaccurately suggests derogatory status, which is both misleading and damaging to my credit profile. There is no outstanding balance, no past due amount, and no legal or financial basis to continue presenting this account as a negative tradeline. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681e ( b ), credit reporting agencies and data furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. Continuing to list this account in a derogatory manner after it has been paid in full and carries a XXXX balance is a clear failure to meet that standard. 

The inaccurate reporting of this item has caused emotional stress and real-life consequences. Ive experienced denials for financing opportunities, increased interest rates, and frustrating rejections despite fulfilling my obligations on this account. It undermines the effort Ive made to rebuild and maintain my credit and paints a misleading picture to lenders who are evaluating my creditworthiness based on outdated or improperly flagged information. 

Its also worth noting that the reporting of paid collection accounts, especially those with a {$0.00} balance, must be accurate not only in terms of data but in how that data is interpreted and displayed. Reporting it in a way that continues to reflect negatively despite payment and closure borders on negligent misrepresentation, if not outright unfair under the principles outlined in 15 U.S.C. 1681i ( a ), which governs dispute resolution and reinvestigation responsibilities.

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Pennsylvania Auto Credit, Inc.
State: PA

Complaint narrative:
I buy a car on XX/XX/year> I signed everything, and sign to pay weekly. 
After 3 weeks i always payed my car loan normally, without any late payments, When arrive the day to pay on my 4th weeks, they denied my access with the link that I usually use to pay my loan, I call the lender, they said I have a thing to resolve first with the dealer. I had doctor appointment with my XXXX XXXX XXXX daughter when they disabled my car with me in the middle of nowhere. Just because they feel so. I missed my crucial appointment with my daughter. Since that two weeks they never give me access to pay my loan, they lock my account, and denied access to move my car to put it in a safe spot. I called them and say if I had a problem with the dealer, the dealer can not aske you to disable the car, its unlawful, if I missed a payment with the lender its ok, so just give me access to pay my loan.So! for that matter ( missed an important doctor appointment for my daughter. ) because when they disabled the car in the middle of the street with me and my daughter, I called them, I said its they who denied my access to pay my fair share. ( car loan ) they refused me and hang up on me. I required they come get the car, that I can freely go purchase another one. Because my work and my family is at risk. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-11 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: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-07-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged a Issue Levy Check on XX/XX/year>. I contacted Capital One Bank in regards to this issue ; they gave me the contact information of the debt collector which had garnished my wages and financial aid. After calling the debt collector, I discovered that they intended to collect debt from my parent who had helped me create the account 7 years ago when I was underage. Since my parents name was on the account they charged {$4000.00} of debt collection to my account ; This account contained no money from the person who owed the debt. My parent and I submitted proof to the law firm attempting to collect the debt that all the money in the account were my work wages and financial aid from the previous school year. They said they initiated the process to return the money but that was 1 week ago today on XX/XX/XXXX. They have reduced the owed amount to put my checking account at {$0.00}, when it had originally been at $ XXXX due to the issue levy check. I waited since it was national holiday the following day but, they said the money would be returned within this week. It has now been a full week and no progress has been made in returning the wrongfully seized money from my account. I am going on a vacation next week and this is causing undue emotional destress. I would like to submit a formal complaint to hopefully resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This inquiry pertains to claim number XXXX. I have attached XXXX XXXX  documents containing all relevant and necessary information to support my case. In summary, I purchased merchandise and returned it to the seller ; however, despite my compliance, the merchant is now claiming that I did not return the items. I have substantial evidence proving otherwise, including a return request confirmation and written confirmation from the merchant acknowledging that the return request was filed and the merchandise was successfully delivered back to the seller. I believe my case was not thoroughly investigated, as Bank of America sided with the merchant despite the evidence I provided. I respectfully request that you review and further investigate this claim in light of the additional documentation submitted.

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 monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$61.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Over the last couple of months, I've had money stolen by my ex mate who was cash apping herself off my phone onto another account basically stealing. 

When I brought this to the attention of Chase Bank I was assured by various customer service my claims were ok and wouldn't result in any trouble Now my checking account is XXXX which is ridiculous because I am in the negative for money that was stolen from me and after I love spoke to different reps to fix this situation I've been hung up on twice and gotten an attitude in each conversation where Chase is reminding me I have no power in this situation and was told today that my claims was indeed valid but since they closed my account no reversals can be done, This is why I don't deal with banks and Chase has such a bad reputation. 

As well I am dealing with a data breach and a skimming incident

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : Fraudulent Accounts : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-11 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:
b'Under 15 U.S.C.  1681b(a)(2), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items:XXXX XXXX  EquifaxXXXX XXXX  EquifaxXXXX XXXX ExperianXXXX XXXX XXXX ExperianXXXX XXXX  TransUnionXXXX XXXX XXXX TransUnionXXXXDespite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed a XXXX  charge-off on my Experian report under FCRA 611 , requesting full verification. Experian kept it after XXXX only provided 1 app page & 3 statements, no complete signed docs. This does not meet FCRA verification standards. It harms my credit. I ask the CFPB to require Experian to either get full proof ( signed contract & complete history ) or delete the 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 2025-07-11 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: AK

Complaint narrative:
I am filing this complaint against TransUnion for reporting two accounts on my credit report that are inaccurately listed and have not been properly verified despite my prior attempts to dispute them. Specifically, TransUnion is reporting a collection account from XXXX XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year> for the amount of {$1000.00}, and a charge-off account from XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year> for the amount of {$3900.00}. I have repeatedly requested a reasonable investigation into these accounts, as required under the Fair Credit Reporting Act, and I have not received proper resolution. The timing and reporting inconsistencies surrounding these accounts, especially the recent dates and lack of clarity around the original creditors and debt validation, raise serious concerns about the accuracy and completeness of the information furnished by TransUnion. 

Under 15 U.S.C. 1681e ( b ), TransUnion is legally obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my file. Reporting a collection and a charge-off account without providing conclusive documentation or confirming their legitimacy violates that obligation. Furthermore, under 15 U.S.C. 1681i ( a ), if I dispute any item of information, TransUnion must conduct a reinvestigation that is reasonable and complete. That has not occurred here. These accounts are continuing to report negatively even though they can not be validated through original signed agreements, complete billing histories, or proper communication regarding their origin.

The continued presence of these accounts is causing me substantial harm. I have experienced loan denials, inflated interest rates, and the stigma that comes with having derogatory marks on a credit report. More than that, I am emotionally exhausted from having to correct information that should have never been included without proper verification. I take my financial reputation seriously and expect credit reporting agencies to treat my data with the same seriousness under 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 non-monetary relief