vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
I have been disputing the XXXX XXXX account with TransUnion since early XXXX I paid this account in full in XX/XX/year>, and I have consistently requested its removal due to continued charge-off reporting after the account was fully satisfied. Despite multiple disputes, TransUnion continues to report monthly charge-offs, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under re-aging and accurate reporting rules. 

TransUnion has failed to conduct a reasonable investigation as required under FCRA 611. They never provided verification of the account, never corrected the reporting after the balance was paid, and continue to damage my credit through false and outdated negative reporting. 

This account should have been marked Paid in full closed no later than XX/XX/year>. Instead, it continues to show charge-off activity well after payment, with multiple CO notations across monthsthis is legally considered re-aging and is misleading to current or potential lenders. TransUnion has not fulfilled their obligation to report only accurate and complete information. 

I have documented all disputes and their failure to respond adequately. At this point, I consider TransUnion to be in willful noncompliance with federal credit reporting laws. I am pursuing legal action, and if this is not resolved immediately through this CFPB complaint, this violation will be added to my court case. I am also seeking a {$75000.00} settlement for ongoing financial and emotional damages if TransUnion wishes to resolve this before litigation. 

I am formally requesting that TransUnion delete this account from my credit file immediately due to FCRA violations, re-aging, and their continued failure to investigate or correct the inaccurate data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: MD

Complaint narrative:
CFPB is allowing LexisNexis Risk Solutions to continue violating federal law. I disputed information and requested immediate removal from LexisNexis database and XXXX XXXX XXXX and all other third-party reporting. The company is not acting in good faith. LexisNexis is acting illegally. 

On XX/XX/year>, I sent certified mail to LexisNexis to dispute bankruptcy data, address data, and marketing data. My disputes were sent to the following addresses, which were successfully delivered and signed off by LexisNexis. ( See attached Tracking Numbers XXXX and XXXX ) : LexisNexis XXXX XXXX XXXXXXXX XXXX, GA XXXX LexisNexis XXXXXXXX XXXX XXXX XXXX, GA XXXX LexisNexis failed to respond to these disputes from XXXX. Per law, reporting companies have 30 days to respond to disputes, or all information must be deleted. The company did not comply with the Fair Credit Reporting Act ( FCRA ). My disputes on XX/XX/year> were never responded to. The company already has my identity and is being untruthful. My XX/XX/year> dispute letter was accompanied by my state drivers license and two utility statements showing my current address. 

The companys actions have caused significant inconvenience and harm to my credit profile. This is negatively impacting my access to fair credit and finance opportunities. They have neglected to take proper action, lacked accountability and compliance with federal laws : 15 U.S.C. 1681, 15 U.S.C. 1681b, 15 U.S.C. 1681s-2, and 15 U.S.C. 1681e ( b ) I have a right to have the items I disputed removed now. LexisNexis did not respond within 30 days of XX/XX/year>. The data is listed inaccurately on LexisNexis ( and other agencies ). Data is not consistent and multiple addresses and incorrect items are causing me harm. Disputes for item US Bankruptcy Court MARYLAND were sent via certified mail on XX/XX/year>. 

In my disputes on XX/XX/year>, as of XX/XX/year> I have not received a response, updates, or any communication from the company until they closed my CFPB complaints. I need justice now or face another law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Albert Corporation
State: NY

Complaint narrative:
The email I have sent : To Whom It May Concern, I am writing to formally notify you of a serious issue regarding unauthorized charges and access to my funds through your application. Despite multiple notifications from your team that my banking information is " incorrect, '' your company continues to debit my account without proper authorization or resolution. 

Additionally, your app has blocked my access to withdraw funds, citing the need to update card information and verify micro-transactions. However, no such microtransaction amounts were ever sent to my accountdespite your ongoing ability to charge it. This inconsistency is not only unacceptable, but it may also constitute fraudulent activity. 

Let this serve as your final notice : I demand an immediate explanation for the ongoing charges and restricted access to my account. 

I request a full refund of any unauthorized charges to date. 

I require full access to withdraw my funds immediately. 

I request all correspondence and transaction records related to this issue. 

If this matter is not resolved within XXXX hours, I will be forced to take legal action, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting your practices to the Federal Trade Commission ( FTC ) Contacting my bank to initiate a dispute and block further charges Consulting legal counsel to pursue a formal lawsuit for unauthorized access and breach of financial regulations This email serves as a documented notice. Please consider this your opportunity to correct the issue before legal steps are taken. I have attached screenshots of all of my " bank errors '' that conveniently don't take place when you charge my account. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/year>

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
I'm reviewing my credit report and noticed unauthorized inquiries. I'd like to request an investigation to verify them. Can you provide the details of how these inquiries were authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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 COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
According to the fair credit reporting Act 15 USC 1681c- 2 I ask that all improper reporting on my credit to be revomed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
According to the fair credit reporting Act 15 USC 1681c- 2 I ask that all improper reporting on my credit to be revomed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I received a debt collection email from a case manager at XXXX XXXX XXXX, XXXX on XX/XX/XXXX, demanding immediate payment of {$36000.00} allegedly owed to " XXXX XXXX XXXX '' However, the original agreement I signed in XXXX was with XX/XX/XXXX a different legal entity. I requested full debt validation, including documentation of ownership, assignment rights, and proof the debt was not sold or securitized. Despite this, the firm threatened litigation without providing any of the requested documents, ignoring my previous conditional acceptance and failing to prove legal standing or ownership. 

I consider this a violation of fair debt collection practices, as they attempted to coerce payment without satisfying validation obligations or respecting the arbitration clause in the contract. 

Additionally, I discovered a mismatch in the account numbers and corresponding entity names. The original correspondence from XXXX XXXX references a different account number XX/XX/XXXXXXXX ) and does not match the account ( XX/XX/XXXXXXXX ) now being collected on by XXXX XXXX XXXX XXXX XXXX. This raises serious doubts about whether the debt was properly validated, and if the party attempting collection is referencing the correct account or legal entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: SC

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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX around XXXX I arrived at Bank of America on XXXX XXXX XXXX XXXX ga. I received a check from Georgia power for XXXX. I was able to cash the check but they wanted to charge me XXXX $ so instead paying the XXXX I decided to go to XXXX which I was told XXXX dont cash those kinds of checks since the bank was closed already I couldnt go back to BOA. The next day was XXXX of XXXX so I wasnt able to go and cash it. So I waited today which is XX/XX/XXXX. I arrived at the same location Bank of America on XXXX XXXX XXXX. Took the same exact check to the same exact bank. For some reason I was told the check couldnt be cashed and that I needed to speak with Georgia power which was confusing to me because I was just at this same bank XXXX days prior and was able to cash it I just declined the offer because of the XXXX $ charge. I asked several time the reason on why it couldnt be cashed if I was just here XXXX  days prior and was able to cash it. I was given NO reason on why just it wasnt going to be cashed. The person assisting XXXX XXXX XXXX was very nasty and just tried to shush me off like I didnt matter. I asked to speak with the supervisor she brought XXXX XXXX whose suppose to be the assistant V.P. Of the bank explain to me that my check couldnt be cashed with NO explanation on why just that they couldnt help me. Even after I pleaded to her and explain I was just at this same bank XXXX  days prior and was able to cash it and now me being the ONLY XXXX American person in the bank being denied because of my skin tone. I explain that I feel like Im being racially profiled. So once I realized I wasnt going to be able to cash my check at this location I went to a more diverse and culturally appropriate bank which is on the other side of town Bank of America on XXXX XXXX  XXXX XXXX. I was able to cash the check with NO issues NO complications or anything. So once I was able to cash the check that just confirmed I was racially profiled because XXXX XXXX XXXX never even tried to check to see if my check was even real.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a derogatory item reporting on my credit report under the name XXXX XXXX Bank, now reportedly being collected by XXXX XXXX XXXX. This account is listed as charged-off with a balance of {$1400.00} as of XX/XX/year>, and is causing significant harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting that your agency investigate and verify the completeness and accuracy of this account. If the debt can not be validated by the furnisher ( XXXX XXXX XXXX or XXXX XXXX XXXX ), then you are legally required to remove this item from my credit report. 

Additionally, if this collection account was resold, re-aged, or reported inaccurately, that would constitute a violation of FCRA XXXX and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Reporting inaccurate information Failing to report an account as disputed Continuing to report unverifiable debt. 

Please provide a written response with the results of your investigation and actions taken. If this item is not verified with proper documentation, it must be permanently deleted from my credit file with your bureau. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a derogatory item reporting on my credit report under the name XXXX XXXX Bank, now reportedly being collected by XXXX XXXX XXXX. This account is listed as charged-off with a balance of {$1400.00} as of XX/XX/year>, and is causing significant harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting that your agency investigate and verify the completeness and accuracy of this account. If the debt can not be validated by the furnisher ( XXXX XXXX XXXX or XXXX XXXX XXXX ), then you are legally required to remove this item from my credit report. 

Additionally, if this collection account was resold, re-aged, or reported inaccurately, that would constitute a violation of FCRA XXXX and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Reporting inaccurate information Failing to report an account as disputed Continuing to report unverifiable debt. 

Please provide a written response with the results of your investigation and actions taken. If this item is not verified with proper documentation, it must be permanently deleted from my credit file with your bureau. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I have explained and provided documentation supporting my claims of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
Subject : Urgent Complaint : Unwarranted Hold on SSDI Check Is Causing Financial Hardship To Whom It May Concern, I am writing to file a formal complaint regarding USAAs decision to place a two-week hold on my federally issued SSDI ( Social Security Disability Insurance ) check, which I deposited via your mobile app on XX/XX/year>. Ive been notified that the funds will not be released until XX/XX/year>. 
As a member with no access to local branches near XXXX XXXX XXXX XXXX, I rely entirely on mobile deposits. This prolonged delay is not only excessive but causing significant financial harm. I depend on this check to pay rent, cover utility bills, and buy groceries. Withholding access to essential income for 14 days is an abuse of power and a violation of the spirit of federal protections for disability benefits.

There were no errors in the deposit process, and Ive received no legitimate justification for the hold.

This situation is urgent. I hope USAA will act swiftly to resolve it and restore the financial security I entrust to your institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
I am filing this as a follow-up complaint regarding Equifax. I previously submitted formal disputes notifying Equifax that several accounts, addresses, and employer records on my credit report are inaccurate and the result of identity theft. I provided Equifax with my written dispute letter, a copy of my FTC Identity Theft Report, proof of identity, and proof of address.

Despite this, Equifax has not properly blocked or deleted the fraudulent accounts and inaccurate personal information as required by FCRA 1681c-2. They also failed to correct payment history that is inaccurately showing as late, and they did not provide adequate verification or documentation of their investigation.

This inaccurate information continues to harm my credit, prevent me from obtaining credit opportunities, and damage my reputation. I am requesting that the CFPB intervene to ensure Equifax complies with all applicable laws and fully corrects my credit file.

Company response to consumer: Closed with non-monetary relief