vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXXXXXX and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as
required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
So a person texted me of XXXX offering to help with my financial situation such as student loans or credit card debt, while maintaining good conversation. Me being naive and desperate was open to taking the extra help. He/She then proceeded to show me how to deposit a mobile check. I deposited one check and refused to do the other. I realized it was a fraud afterwards and declined to do it and I want to know if I could just get rid of the mobile deposit

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 2025-09-09 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: KS

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Subject : Dispute of Incorrect Repossession Reporting Dear Sir/Madam, I am writing to dispute the repossession entry on my credit report regarding my account with Credit Acceptance ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have found an entry reporting a repossession, which I believe is incorrect/erroneous. 
I request that you thoroughly investigate this matter and remove the incorrect repossession entry from my credit report. Below is a detailed explanation of my dispute : If applicable, include any supporting documentation that can help ( bank statements, payment receipts, communication with the creditor, etc. ). If you were never notified of the repossession or you have evidence of settlement, mention that as well.According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate the disputed entry within 30 days and notify me of your findings. I request that you update my credit report accordingly once your investigation is complete. 
Please notify me in writing regarding the outcome of your investigation. If you need further information or documentation, feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-09-09 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:
After reviewing updated copy of my credit report. I noticed several fraudulent accounts hurting my credit score.

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 2025-09-09 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: MI

Complaint narrative:
I am reaching out to formally dispute the reporting of a bankruptcy that appears on my credit file. I have reviewed my records carefully and have obtained an official letter from the court clearly stating that this bankruptcy should not be reported to any credit bureau. Despite this clear and direct confirmation, the bankruptcy still appears on my credit report, which is both inaccurate and harmful to my credit standing. 

What makes this matter even more concerning is the involvement of an unauthorized XXXX XXXX, which raises serious questions about how this information was obtained and why it was reported without my consent or proper verification. This is not just a simple reporting errorit suggests a deeper issue with the accuracy, security, and handling of my personal financial data. 

Adding to the confusion, I have noticed that only TransUnion is reporting this bankruptcy, while the other major credit reporting agencies are not. This inconsistency calls into question the validity of the information and further supports my position that it should not be on my report. Under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, any information that is inaccurate, unverifiable, or inconsistent must be removed from a consumers credit file promptly.

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 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Please remove all inquiries and any accounts opened fraudulently due to the data breach XXXX  experienced in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
On XX/XX/XXXX I logged into the Bridgecrest app and made a payment on XXXX of my accounts with them. On XX/XX/XXXX I received a notice from the credit bureau that I was reported XXXX  days late by Bridgecrest. I then logged into the app to see what was wrong as I knew that I had made the payment. When I reviewed my account I noticed that the payment was made to the XXXX account instead of the XXXX. I immediately contacted Bridgecrest to let them know that the payment was processed for the wrong account and asked if they would be willing to correct the XXXX  day late reporting. After XXXX calls and multiple transfers I was told that they could not assist me. Something happened along the way of me processing the payment. I am not sure if the screen changed over from the XXXX account to the XXXX account or what. However, my intention was to make the payment for the XXXX to keep it from reporting XXXX  days. The account has never gone XXXX  days late since opened in XX/XX/XXXX. I am a XXXX veteran and it is important to me to pay my bills and to maintain my account in good standing. I feel that it is unreasonable to not understand that something went wrong and to help get the concern corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MS

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 2025-09-09 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:
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 non-monetary relief
Consumer complaint received 2025-09-09 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: AZ

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit profile is extremely important to me. However, I continue to see inaccurate and false information that has not been corrected, despite raising this issue multiple times. This recurring problem is both stressful and exhausting, and it has been unfairly damaging my credit score and negatively affecting my life.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently found out through an Experian report that someone stole my identity and opened an auto loan in XX/XX/XXXX. I called XXXX XXXX and they sent me an Identity Theft Affidavit. I reported it to Identitytheft.gov and followed the steps. XXXX confirmed that XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX stole my identity and opened an auto loan through XXXX. She got a XXXX XXXX XXXX and the account number is XXXX. I have been on and off the phone with XXXX, they keep passing me from Customer service department to finance to fraud. They won't take my social off the account and will not send me a confirmation letter that they've fixed it. XXXX according to Experian had been delinquent on 3 payments and it's hurting my credit and have made it so that the places we've applied to rent have declined us. Through this process she was delinquent again in XX/XX/XXXX make 4 months delinquent and its hurting my credit and chances of renting. Help.

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 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SCS Credit Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX, saying that she has contacted me. However, she has NOT contacted me, not at all. My car is currently out of commission, the engine is no longer working and its not driver able. My balance I owed is XXXX, I called in on XX/XX/XXXX and the balance went up to XXXX. I was confused and called up there again to speak to someone being that I called over the last 3 days, I was not able to get a call back and that this was not true. XXXX XXXX, gotten rude, disrespectful and began to curse at me. I hanged up ans asked to speak to XXXX XXXX who is the manager, he proceeded to get rude and disrespectful, and out of anger he decided to start an repression on my vehicle.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX have requested many times on how I can receive my money from the closed account was told to withdraw it to add a new debit card but it won't accept any of my debit cards I have this is a old account over XXXX XXXX XXXX all the link cards and bank accounts are either closed or expired they give me no other option to get my funds and keep going around around in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
This is a follow-up complaint regarding my previously filed CFPB case # XXXX against Remitly. 

In my prior complaint, I reported that Remitly cancelled my transaction of XXXX from the XXXX to XXXX ( Reference XXXX ) on XX/XX/year>, but failed to issue a timely refund. Despite repeated emails and calls, XXXX ignored my communications for almost two months. I had to escalate the issue to the CFPB before the refund was finally processed on XX/XX/year>. 

While Remitly has since refunded the XXXX, I must emphasize the following serious issues that remain unresolved : Remitly only refunded my money after CFPB intervention, not through their own initiative. 

I provided correct banking details on XX/XX/year>, yet Remitly falsely claimed the information was incorrect and continued to delay.

Remitly failed to meet their own stated timeline of 14 business days for refunds, holding my funds unlawfully for nearly two months. 

I sent more than XXXX emails and XXXX formal complaints, none of which received a response. 

I incurred XXXX in payment failure charges on my card, and my credit score was negatively impacted due to this delay.

I suffered significant mental distress, XXXX, and financial hardship because my urgently needed funds were withheld without justification.

Remitlys response to the first complaint acknowledged technical issues but failed to address the severe consequences I faced. Simply refunding the original amount after two months of negligence is not an adequate resolution. 

I am therefore demanding compensation of XXXX from Remitly for : Direct financial loss ( XXXX in charges ). 

Emotional distress and mental suffering caused by their negligence. 

The unnecessary burden of escalating this issue through multiple complaints. 

If Remitly refuses to provide fair compensation, I respectfully request that the CFPB investigate this matter further as a violation of consumer protection and payment service obligations, since holding customer funds for two months without communication constitutes a serious breach of duty.

Requested Resolution : Refund has been processed, but I am requesting additional compensation of XXXX for financial losses and mental distress caused by Remitlys mishandling of this matter.

Company response to consumer: Closed with explanation