vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am receiving threatening phone calls from this company, after notifying them this is the result of identity theft, and asked for dent validation letter to which they denied. 
I am registered with FTC as Victim of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-22 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-22 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: TX

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-22 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: TX

Complaint narrative:
I am submitting a formal complaint against EQUIFAX for failing to maintain accurate reporting in violation of the Fair Credit Reporting Act ( FCRA ). The accounts at issue are XXXXXXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, and XXXXXXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX. Both of these accounts are being reported inaccurately and in a manner that misrepresents my payment history and account status. 

The first account, opened on XX/XX/XXXX, was paid before any charge-off status was warranted and was properly closed. Despite this, EQUIFAX continues to display the account as derogatory, which is both misleading and unlawful. Under FCRA 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. By knowingly maintaining false and outdated information, EQUIFAX is violating federal law and causing direct harm to my creditworthiness. 

The second account, opened on XX/XX/XXXX, is being reported with a charge-off status even after I filed a dispute and formally requested an investigation. EQUIFAX failed to make the required corrections or provide adequate proof of accuracy, leaving this damaging status unchanged. This conduct is a violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Instead of correcting or deleting the account, EQUIFAX chose to ignore its duty and perpetuate inaccurate reporting. 

These reporting failures also amount to violations of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. By continuing to display these accounts with false statuses, EQUIFAX is not only complicit in the misconduct of the furnisher but is also failing in its independent legal duty to protect consumers from the harm of misleading credit reports. This ongoing inaccuracy impacts my ability to obtain credit on fair terms and constitutes a violation of my civil rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I would like a full investigation completed on my amount of interest my account should have gained and to be reimbursed with a 10 % interest fee added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: MN

Complaint narrative:
I am filing this complaint against [ TransUnion ] for continuing to report an account that has been terminated by the furnisher and ordered for deletion in a prior CFPB complaint. 

The third-party debt collector, XXXX XXXX XXXX ( XXXX XXXX account ), confirmed in their CFPB response dated XX/XX/year> ( CFPB Case # XXXX ) that : They have terminated all collection efforts ; They have requested deletion of their tradeline with all credit bureaus. 

Despite this, [ XXXX XXXX XXXX XXXX  TransUnion ] continues to report the account on my credit file, causing substantial harm to my credit standing and reputation. 

Violations of Federal Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( FCRA ) : When information is disputed and can not be verified, the bureau must delete it immediately.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know to be inaccurate. Since the furnisher terminated the account, continued reporting is knowingly inaccurate.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. Continuing to publish deleted, terminated accounts is reckless and unlawful.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a complaint regarding LVNV Funding LLC and XXXX. This account was settled and shows a {$0.00} balance on my XXXX  credit report. However, XXXX  continues to report a {$670.00} balance and a derogatory remark stating Settled for less than full balance. 

This discrepancy is unfairly impacting my credit score. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX  updates or removes the account if it can not be verified or is inaccurately reported under the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation showing the correct status from TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MI

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX in XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX XXXX XXXX - {$1500.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-08-22 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: FL

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received a XXXX  chime card in the mail I did not apply for. I called the customer service number to file a fraudulent case. I requested the card be canceled and account closed if it is open. They refused. I was denied any information regarding the account. I was asked for a photo ID, email and last XXXX of my social to access any info. I was denied being able to talk to a XXXX. 

I received card in the mail on XX/XX/year>. I called upon receiving it. I called this number. XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
This entry is not representative of my financial behavior and appears mistaken. I respectfully ask for its correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to dispute inaccurate information that your company, Capital One Auto Finance, has furnished to the consumer reporting agencies : XXXX XXXX and XXXX. The presence of this inaccurate information is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which prohibits data furnishers from providing information they know or have reason to believe is inaccurate.

I demand an immediate and exhaustive investigation into the following inaccurate account. Please be advised that under 15 U.S.C. 1681s-2, you are legally required to conduct a reasonable investigation and must not report information that you know to be inaccurate. 
Specific Inaccuracies Identified The following account contains multiple inaccuracies that are negatively affecting my creditworthiness : * Account Name : Capital One Auto Finance * Account Number : XXXX * High Balance : {$15000.00} Discrepancies by Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX to XX/XX/XXXX of XXXX  I got XXXX  and I lost my wallet same day with bank card driver 's license and cash app card .. so there's was a lot of transactions on my cash app card from my bank card.. But the cash app card in use I was t able to activate .. I wan na sue the cash app Company for letting this go down for {$100000.00} there's no security with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been attempting to gain access to my account to pay vendors by check since XXXX. The bank failed to fulfill my check order despite repeatedly assuring me the checks would be delivered the next day. When I finally got them to resend the checks, they disclosed that I would be liable for any damages related to the lost checks. They refused to give me access to my account unless I agreed to take on their liability for the undelivered checks. They said the only way for me to gain access to my account without taking on the banks liability is to create a new account, close the old account, and wait even longer for the checks to enable me to access my account. They agreed to expedite the checks after more than 2 months of delay, but only if I agreed to take on their liability. Otherwise, I am stuck waiting for checks under the failed system I initiated in XXXX, not to mention the challenges with changing accounts, such as recurring vendor payments and direct deposits.

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 2025-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Branch Messenger, Inc.
State: MD

Complaint narrative:
I earned money driving for uber eats last week. The funds were deposited immediately to my uber pro card. I tried to log into the uber pro card on my new phone and was asked to complete a verification process. The app refuses to take the picture it requires for verification. When I call they do not answer, and when I do get someone on the phone they are not helpful. I worked to earn that money, branch has the money. I can not access my earnings and they seem content to keep the money and let me starve. Please help.

Company response to consumer: Closed with explanation