vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
TransUnion is currently reporting several derogatory accounts on my credit file that I believe are inaccurate, outdated, and in many cases unverifiable under federal law. The accounts include : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) with a charge-off date of XX/XX/XXXX and a reported balance of {$6600.00} ; XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX with a balance of {$1500.00} ; XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX and reporting a {$0.00} balance ; XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) from XX/XX/XXXX with a balance of {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported XX/XX/XXXX with a balance of {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX with a balance of {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX dated XX/XX/XXXX and reporting {$2200.00} ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) listed on XX/XX/XXXX for {$420.00}. 

Several of these accounts either reflect a {$0.00} balance yet still show charge-off status, which is contradictory and misleading, or they continue to report derogatory statuses long after being settled or disputed without resolution. Others appear to be duplicative or unverifiable entries that raise serious concerns about the integrity of TransUnions data verification processes. For example, the XXXX and XXXX XXXX accounts are significantly aged, and without clear documentation of the date of first delinquency, these may fall outside the permissible 7-year reporting window under the Fair Credit Reporting Act ( FCRA ). 

Additionally, multiple accountssuch as XXXX and XXXXare still reported as charge-offs despite reflecting a {$0.00} balance, suggesting either the debt was resolved or inaccurately transferred. Reporting these accounts in a derogatory status when the balance is cleared creates a misleading impression and unfairly harms my creditworthiness. Under 15 U.S.C. 1681e ( b ), TransUnion is obligated to maintain maximum possible accuracy in its reports. Continuing to publish outdated, incorrect, or misleading derogatory entries violates this legal requirement. Further, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) entitles me to a full reinvestigation of any disputed account, and 1681i ( a ) ( 5 ) requires the deletion or correction of any data found to be inaccurate or unverifiable.

Given the number and nature of these discrepancies, I have strong reason to believe these errors may stem from systemic issues in TransUnions data management or from broader problems such as file merging or data exposureespecially in light of the rise in data breaches that compromise the integrity of consumer files.

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 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX During the financing process, I was sold a GAP insurance policy. I was clearly told by the finance representative that the GAP contract was 100 % refundable once the loan was paid off in full. 

I was only provided and asked to sign a 1-page GAP agreement, which I still have in my possession. I was never shown or made aware of additional pages to the contract at the time of signing.

After paying off my car loan in full, I received a letter from my lender ( XXXX XXXX ) stating that I would receive a GAP refund within 60 days. That refund never came. 

I then contacted both XXXX XXXX and the GAP provider, XXXX, to follow up. They both told me that the dealership ( XXXX XXXX XXXXXXXX ) is responsible for issuing the refund. 

When I contacted the dealership, they sent me a 4-page version of the GAP contract that includes refund exclusions but those extra pages were never disclosed to me, and they are not signed or initialed by me.

I went to the dealership in person and spoke with XXXX XXXX, Finance Department Manager, who admitted to me : Im sorry that you were misled about the refund agreement. 

I believe this situation involves deceptive sales practices, lack of full disclosure, and misrepresentation. The dealership is trying to deny my refund based on contract terms I was never informed of and never agreed to. 

I am requesting a full refund of the GAP fee and filing this complaint to report what I believe is a violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 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 GA XXXX ACCOUNTS : INQUIRIES : XXXX XXXX Date : XX/XX/year>2024 XXXX XXXX XXXX XXXX Date : XX/XX/year>2024 XXXX  XXXX Date : XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a BMO credit card under the belief that it came with a 0 % interest promotion on purchases. I did not do any balance transfers. At first, BMO told me I must have signed up for a 0 % balance transfer offer which didnt make sense because I never transferred a balance. Now they are saying I signed up for a cashback card instead, with no promotional 0 % interest at all. Their explanations keep changing, and theyve refused to provide written documentation confirming the promotional terms I was enrolled in. I feel misled and am requesting a refund of the interest charged on my purchases and written confirmation of my account 's original promo terms.

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 2025-06-11 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: NC

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 2025-06-11 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: OK

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$980.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
1. * * Standing Problems * * - If they cant produce a * * Bill of Sale * * or * * chain of title * * proving they * own * the debt ( or are authorized to collect ), they lack standing to sue or report to credit bureaus. 
- * * Credit reporting without legal right * * is illegal.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account XXXX XXXX XXXXXXXX is reporting on my credit reporting as a charge off. I have no knowledge of this account IRS have no charge off account with this information from this company. U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Account in Question : XXXX XXXX Account # XXXX I am writing to formally dispute information on my credit report concerning the account listed above with XXXX XXXX ( Account # XXXX ). I believe this account has been reported or used improperly, and I am requesting an immediate reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ).

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher ( XXXX XXXX ) and any contact information provided. This provision requires you to disclose this procedure not later than 15 days after receiving my request. 

Please find enclosed the following documents supporting my dispute :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as a formal and urgent demand for the removal of falsely reported late payments from my credit report, in accordance with 15 U.S. Code 1666b of the Fair Credit Billing Act ( FCBA ). Under this law, credit reporting must adhere to proper billing practices and payment application timing, which I believe were violated in the reporting of the accounts below. 
Accounts in Dispute : XXXX {$260.00} Late Payment Reported : XX/XX/XXXX XXXX  XXXX {$2700.00} Late Payment Reported : XX/XX/XXXX XXXX/XXXX  {$1500.00} Late Payment Reported : XX/XX/XXXX XXXX XXXX  {$5900.00} Late Payment Reported : XX/XX/XXXX Under 15 U.S. Code 1666b ( b ) : A creditor shall credit a payment to the consumer 's account as of the date of receipt ... and shall not impose or report delinquency unless the consumer is properly notified and given a reasonable grace period to pay.

The reporting of these delinquencies is unjustified and may have occurred without adherence to the proper billing procedures, notice, or grace periods, thus constituting illegal negative reporting under both theFCBAandFCRA.

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 2025-06-11 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that multiple accounts had been fraudulently opened in my name without my knowledge, consent, or authorization. These accounts are not mine and were created as a result of identity theft. I have never applied for credit or financing with the institutions listed below, and I have no relationship with any of them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXXXXXX XXXX Account Type XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$38000.00} XXXXXXXX XXXX Account Type : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} These accounts are now appearing on my credit reports and are seriously damaging my credit history and financial standing. I have already initiated steps to report this identity theft, but these accounts remain on file.

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 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing the accuracy of the information being reported on my credit reports regarding the above-referenced account. After thoroughly reviewing my credit report from all three bureaus, I have identified multiple factual inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 regarding the duty of furnishers to provide accurate information.

Inaccuracies Identified : 1. Balance Inaccuracy : The reported balance on this account is {$0.00}, yet it is being reported simultaneously as a charge-off/collection account, which is contradictory. If the balance is {$0.00}, it should not be listed as an active collection.

2. Duplicate/Multiple Charge-Off Comments : The account has multiple inconsistent remarks across the credit bureaus, such as Charged off as bad debt, Purchased by another lender, and Account transferred or sold, causing confusion regarding the true status of the account.

3. High Credit Discrepancy : TransUnion and XXXX are reporting the high credit as {$10000.00}, whereas XXXX  is reporting {$6600.00}. This is an inconsistent factual reporting across the bureaus. 
4. Inconsistent Reporting Dates : The Last Reported date for this account is XX/XX/XXXX on XXXX, XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX. The future-dated reporting ( XXXX ) on XXXX  is erroneous and inaccurate. 
5. Ownership Status Confusion : The account is simultaneously marked as Purchased by another lender and Charged off account transferred or sold, making it unclear who the current creditor is, in violation of the accuracy provision of the FCRA.

Request for Resolution : Pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ), I respectfully request that this inaccurate information be fully investigated and removed or corrected. If XXXX or its successors can not provide verifiable evidence of the accuracy of this account, it must be deleted entirely from my credit report. 

I am requesting that the CFPB investigate this matter for noncompliance with federal credit reporting laws. 

Thank you for your attention to this matter.

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 2025-06-11 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: Experian Information Solutions Inc.
State: VA

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 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. 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 VA XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$26000.00} INQUIRIES : XXXX Date : 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am formally disputing the incorrect information listed on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), consumers are entitled to challenge and request the correction or deletion of any inaccurate, outdated, or incomplete personal details in their credit file. Credit bureaus are legally obligated to investigate these disputes within 30 days and ensure that all reported information is both accurate and verifiable. Failing to make necessary corrections may constitute a breach of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Formal Dispute of Unauthorized Transactions and Credit Reporting To Whom It May Concern, I am writing to formally dispute several unauthorized transactions that occurred on my business bank account, which was linked to my XXXX account. 

I have been an XXXX customer since XX/XX/XXXX and have never had any issues until this event. On XX/XX/XXXX, two large withdrawals were made from my account : {$500.00} and {$390.00}, despite the fact that I had not made any purchases and had not been approved for any credit with XXXX recently. These charges severely disrupted my ability to pay for essential business costs, including insurance. 

I contacted Chase Bank, which initially refunded the funds. I also contacted XXXX, where a representative stated that there were no such transactions under my account. I sent my bank statements as proof but never received a proper response. 

Later, I discovered two additional deductions on XX/XX/XXXX : {$580.00} and {$510.00}. None of these charges appear on my XXXX account history, where my highest monthly payment was typically no more than {$130.00}. 

I reported the full situation to Chase as fraud. Although they temporarily refunded the money multiple times, the same amounts were withdrawn again. My husband the co-owner of the account had to stop working due to the financial impact. He went to the bank and faxed all documents as requested. 

Eventually, Chase confirmed the case was resolved in our favor and refunded the full {$2000.00}, but two weeks later the entire amount was debited again. We were informed this happened because XXXX claimed the transactions were valid and authorized which is completely untrue. These were automatic debits, not purchases or manual transactions. 

I contacted XXXX again via chat, and the representative * * confirmed there were no such purchases on my

Company response to consumer: Closed with explanation