vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing a XXXX XXXX bankruptcy reported on my credit report under docket # XXXX. 

The U.S. Bankruptcy Court for the XXXX XXXX XXXX XXXX confirmed that they do not furnish any information to credit bureaus. 

The Fair Credit Reporting Act ( FCRA ) under 1681e ( b ) and 1681i requires that all information must be verifiable directly from the original source. Any data verified by third-party vendors such as XXXX or XXXX is not valid and is a willful violation if continued. 

I am requesting immediate deletion of this bankruptcy, which can not be legally verified. I have attached my full legal dispute letter and supporting documentation.

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 2025-05-30 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have consistently disputed inaccurate information on my credit report. a victim of identity theft and data breaches. Next logical step is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I have consistently disputed inaccurate information on my credit report. a victim of identity theft and data breaches. Next logical step is legal action.

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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: FL

Complaint narrative:
Dear Volkswagen Credit Services, Thank you for confirming that my account is now closed and updated to reflect a {$0.00} balance following my settlement payment in XX/XX/year>. I appreciate the opportunity to resolve this matter with your organization. 

I am writing to respectfully request a goodwill adjustment to how this account is currently being reported to the credit bureaus. 

A while ago, I contacted your office to request a settlement offer in hopes of resolving the account quickly and responsibly. Your team responded with a written settlement offer of {$380.00}, which I accepted and paid in full on XX/XX/year>. That payment was processed and cashed by XX/XX/year>. 

While the account now shows a zero balance, Ive since learned that the credit reporting reflects the following status : Settled for less than full balance Charge-off I fully understand your legal obligation under the Fair Credit Reporting Act ( FCRA ) to report accurately, and I acknowledge that this language may be technically correct. However, I respectfully request that you consider making a discretionary goodwill adjustment for the following reasons : I had a strong history of on-time lease payments throughout the term of the account.

I took immediate action to resolve the balance once it was brought to my attention. 
I accepted your settlement terms in writing and paid in good faith, with no negotiation or delay. 
This status is now negatively affecting my ability to lease another vehicle, which I need to do in XXXX. 

Im asking, in good faith, for your organization to consider : - Removing the charge-off designation entirely as a one-time goodwill exception, in light of the circumstances and my responsible payment history. 

- if full removal isnt possible, I ask that the status be updated to reflect a more favorable resolutionsuch as paid in full charge-off or similarbased on my good-faith compliance with your settlement offer. 

I am not requesting that you misreport the factsonly that you consider a more favorable interpretation that better reflects the good faith effort I made to resolve this matter professionally and promptly. 

Thank you for your time and consideration. I would be grateful for your help in updating this account to reflect the resolution more positively, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I have submitted multiple disputes to TransUnion ( File # ) regarding a bankruptcy and other accounts reporting inaccurately on my credit report items that I believe are either unverifiable, fraudulent, or the result of identity theft. I requested, on multiple occasions, the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I have never received a detailed or adequate response. 
Furthermore, I froze my XXXX file on XX/XX/XXXX, yet TransUnion continues to claim they verified a bankruptcy that XXXX could not have provided. I also contacted the court where the alleged bankruptcy was supposedly filed. The court responded clearly on XX/XX/XXXX, stating that they do not report to or verify anything with credit bureaus, nor do they communicate with TransUnion at all. 
Despite also providing TransUnion with : My FTC Identity Theft Report, A Police Report Documentation of a XXXX freeze, Multiple letters requesting MOV, they have not blocked the fraudulent accounts or provided any evidence of a reasonable investigation. 
On XX/XX/XXXX, I spoke to several TransUnion representatives ( XXXX, XXXX, XXXX, and XXXX XXXX ) under Case #. I was passed around repeatedly, received conflicting information, and ultimately the call was terminated by a supervisor after failing to answer my legal concerns. 
This is a clear violation of my rights under : FCRA 611 ( Failure to conduct a reasonable reinvestigation ), FCRA 611 ( a ) ( 7 ) ( Failure to provide Method of Verification ), FCRA 607 ( b ) ( Failure to ensure maximum accuracy ), FCRA 605B ( Failure to block identity theft-related information ).

I have been patient and provided more than sufficient documentation, yet TransUnion refuses to comply with the law. Their reinvestigations appear to be automated and not based on a meaningful review of any documents. They have caused serious harm to my creditworthiness and peace of mind.

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 2025-05-30 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: GA

Complaint narrative:
I have submitted multiple disputes to TransUnion ( File # ) regarding a bankruptcy and other accounts reporting inaccurately on my credit report items that I believe are either unverifiable, fraudulent, or the result of identity theft. I requested, on multiple occasions, the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I have never received a detailed or adequate response. 
Furthermore, I froze my XXXX file on XX/XX/XXXX, yet TransUnion continues to claim they verified a bankruptcy that XXXX could not have provided. I also contacted the court where the alleged bankruptcy was supposedly filed. The court responded clearly on XX/XX/XXXX, stating that they do not report to or verify anything with credit bureaus, nor do they communicate with TransUnion at all. 
Despite also providing TransUnion with : My FTC Identity Theft Report, A Police Report Documentation of a XXXX freeze, Multiple letters requesting MOV, they have not blocked the fraudulent accounts or provided any evidence of a reasonable investigation. 
On XX/XX/XXXX, I spoke to several TransUnion representatives ( XXXX, XXXX, XXXX, and XXXX XXXX ) under Case #. I was passed around repeatedly, received conflicting information, and ultimately the call was terminated by a supervisor after failing to answer my legal concerns. 
This is a clear violation of my rights under : FCRA 611 ( Failure to conduct a reasonable reinvestigation ), FCRA 611 ( a ) ( 7 ) ( Failure to provide Method of Verification ), FCRA 607 ( b ) ( Failure to ensure maximum accuracy ), FCRA 605B ( Failure to block identity theft-related information ).

I have been patient and provided more than sufficient documentation, yet TransUnion refuses to comply with the law. Their reinvestigations appear to be automated and not based on a meaningful review of any documents. They have caused serious harm to my creditworthiness and peace of mind.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Despite verifying with the originating bank as to the timing of my direct deposit, Moneylion refuses to release the direct deposit in a timely manner and withholds said funds. They also consistently lie about when they receive the funds. Further, they have been falsely advertising their services as it pertains to early release of direct deposit funds ( 2 days earlier or as soon as they received notification the deposit )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  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 generallf, after any reinvestigation under paragraph ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime regarding an unauthorized transaction and requested a provisional credit in accordance with Regulation E. I do not have a Credit Builder account, so I am not subject to the 20-business-day investigation timeline that applies to those new accounts. Under Regulation E, I should have received a provisional credit within 10 business days of my dispute. 
I contacted Chime again on XX/XX/XXXX to express the urgency of the matter and request an expedited resolution. I followed up again on XX/XX/XXXX, and was informed that someone might reach out, but I have not received any update or the required provisional credit. I also informed Chime representatives that their delay was in violation of Regulation E and their own terms and conditions.

It has now been more than 10 business days since I reported the issue, and Chime has failed to issue a provisional credit or complete the investigation. I believe this is a clear violation of Regulation E ( 12 CFR 1005.11 ), which protects consumers from delays in resolving unauthorized transaction disputes. 
I am requesting that Chime immediately issue the provisional credit owed to me, provide a written update regarding the investigation, and bring their practices into compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
There is a late payment being reported by DEPTEDXXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, on all three of my credit reportsXXXX Experian, and XXXX. I am formally disputing the accuracy, legality, and relevance of this derogatory entry. This reporting is not only outdated, but it is tied to a servicer with a known history of inaccuracies, regulatory violations, and consumer harm. 

XXXX ( DEPTEDXXXX ) has been at the center of significant reporting controversies. In XXXX, following the transfer of loan accounts to XXXX, nearly 2 million duplicate records were introduced on credit files, causing inaccurate credit scores for countless consumers. These errors impacted borrowers ' financial access and led to widespread confusion. Additionally, XXXX has been sued in a class action lawsuit for miscalculating monthly repayment amounts, which caused borrowers to default or fall into delinquency unfairly. These miscalculations could have directly contributed to the reporting of this late payment on my file. There have also been complaints that XXXX failed to notify borrowers of payment requirements, especially those under Income-Driven Repayment ( IDR ) plans. If I was impacted by any of these failures, then the reported late payment may be a direct consequence of XXXX 's negligence rather than any willful nonpayment on my part. 

Further, the age of this late payment ( reported from XX/XX/XXXX ) makes it legally questionable. Per the Fair Credit Reporting Act, under 15 U.S.C. 1681c, adverse information such as late payments must not be reported more than seven years from the date of delinquency. This entry has exceeded that limit and should no longer appear on any credit file. Inaccurate, outdated, or unverifiable data undermines the fairness and accuracy of the credit reporting system and violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy.

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 2025-05-30 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to formally submit a complaint against TDBank for my now closed credit card TDRCSXXXX I have contacted the creditor multiple times regarding my balance, and I was assured by two representatives in XX/XX/XXXX that i was paid in full. However to my surprise I got notified in XX/XX/XXXX that I had an outstanding balance of {$1200.00} ( now closer to {$1600.00} ). I have tried everything under the sun to get complete accounting for this account so i can compare records and the company never seems to be able to provide them. I have sent two disputes requesting proof of balance and they either send me a stall letter requesting proof of Identity or saying there is not enough account information provided to investigate. When I have provided the same personal info every time i call in. But some how when I submit the same account information through mail the account can't be identified. Meanwhile my credit has taken a hit of over XXXX due to this inaccurate reporting. This drop in my credit score has impacted various aspects of my financial life and now starting to effect my overall health. I have reached a point where I have decide to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Leif Technologies Inc.
State: MN

Complaint narrative:
On or around XX/XX/XXXX, I was enrolled in a program through XXXX XXXX and unknowingly signed an Income Share Agreement ( ISA ) for {$30000.00}. The terms of this agreement were never clearly explained to me, and I did not fully understand I was committing to such a large financial obligation. I believed I was signing up for an educational opportunity, not entering a binding legal contract. I did not complete the program, nor did I receive the promised value or instruction. 

I have since received emails from XXXX and Leif Technologies requesting payment of {$620.00} per month, but I am not currently earning above the income threshold of $ XXXX, which the contract requires for repayment to be triggered. I feel this entire process was misleading and deceptive. 

I attempted to contact XXXX XXXX  by phone using two numbers : XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. One of those numbers appears to belong to a different company entirely, and neither call led to any helpful response or support. Because of this, I have not been able to make direct contact with XXXX XXXX I filed this CFPB complaint first to protect myself and document the issue before the company potentially takes action or responds unfairly. 

Leif Technologies is the ISA platform provider used by XXXX XXXX. to manage tuition contracts and repayment. My ISA was created and signed through their platform, and repayment is managed via XXXXleif.org. I also attempted to call their listed phone number, ( XXXX ) XXXX, and received a message stating the toll-free number is unassigned meaning it may be disconnected. This raises additional concerns that the company may no longer be operating or may be avoiding borrower contact. 

Additionally, my research shows XXXX XXXX  may now be listed as " temporarily closed. '' I find it highly concerning that I am being asked to repay a {$30000.00} obligation to companies that are difficult to reach, possibly inactive, or failing to support their students. 

I am requesting that this obligation be canceled and that I be released from all responsibility to pay. I am asking for a fair resolution and protection from being pursued for payment by entities that are either inactive or have engaged in misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$95.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00}

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