vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: NM

Complaint narrative:
Dear Credit Bureau, I am writing to dispute inaccurate information being reported on my credit file concerning my XXXX XXXX account. on Equifax, Trans Union and Experian. 

Account Name : XXXX XXXX According to your report, this account reflects only 14 payments made, when in fact, I have made 16 payments to date. This error misrepresents my payment history and may negatively affect my credit profile. 

I am requesting that you : XXXX. Investigate this matter with XXXX XXXX. 
2. Correct the reported number of payments to accurately reflect 16 payments made.

3. Update my credit report accordingly and provide me with written confirmation once the update is complete.

Enclosed are supporting documents including : Recent account statements from XXXX XXXX showing payment history. 


Please conduct your reinvestigation under the Fair Credit Reporting Act ( FCRA ) and provide me with the results in writing within 30 days. 

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
removal I am requesting the removal of inaccurate and outdated addresses from my credit report. I have already disputed these addresses with Experian, Equifax, TransUnion they have failed to remove it These addresses are not associated with me and may be contributing to errors or potential fraud risk on my credit file. The addresses I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My current and only valid address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am concerned that these inaccurate entries are affecting the accuracy of my credit report and potentially my credit score or lending decisions. I have provided proper identification and proof of my current address during previous disputes, but the incorrect information remains. 

I respectfully request the CFPB to assist me in ensuring that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by investigating and correcting my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
removal I am requesting the removal of inaccurate and outdated addresses from my credit report. I have already disputed these addresses with Experian, Equifax, TransUnion they have failed to remove it These addresses are not associated with me and may be contributing to errors or potential fraud risk on my credit file. The addresses I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My current and only valid address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am concerned that these inaccurate entries are affecting the accuracy of my credit report and potentially my credit score or lending decisions. I have provided proper identification and proof of my current address during previous disputes, but the incorrect information remains. 

I respectfully request the CFPB to assist me in ensuring that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by investigating and correcting my personal 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: SC

Complaint narrative:
My paycheck for {$5500.00} was redirected into an XXXX ( XXXX Bank ) account even though my employers payroll still lists my XXXX XXXX account for direct deposit. I did not authorize Albert, XXXX Bank, or any third-party service ( such as XXXX or XXXX ) to change or redirect my paycheck. 

Albert is now refusing to release my own funds, saying I can only transfer {$500.00} per day and must pay {$5.00} instant transfer fees each time. They stated that they can not raise my transfer limit and that they dont care if I file a complaint. 

This restriction is preventing me from accessing my full paycheck and may violate Regulation E, which protects consumers access to deposited funds and prohibits unreasonable withdrawal limits or forced paid transfers. 

I am requesting that Albert and/or XXXX XXXX immediately release my full {$5500.00} balance to my XXXX XXXX account and permanently close my Albert account XXXX 

I have contacted Albert support multiple times, as well as my bank ( XXXX XXXX ), and have not received a resolution. I am also opening a Regulation E dispute with XXXX XXXX for unauthorized redirection of my payroll deposit.

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 2025-10-14 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The various late payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXX XXXX XXXX XXXX. I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my informationwithout my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumercredit plan as late for reporting purposesXXXX XXXX XXXX XXXX Per XXXX XXXX reporting guidelines and the CDIA Credit Reporting Resource Guide ( CRRG ), furnishers must ensure that accounts in litigation are reported accurately and not in a manner that misleads or causes harm. Reporting delinquency during pending litigation is misleading and fails the requirement of maximum possible accuracy under FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Checking account was overdraft when I had XXXX  account years ago without recourses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
This complaint is being filed against Experian Information Solutions , Inc. for failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

On XX/XX/year>, I mailed a formal written dispute to Experian regarding inaccurate information reported by XXXX XXXX XXXX XXXX. The basis of my dispute was the reporting of false or unverified late payments. I provided identification and proof of address with the dispute as required. 

As of XX/XX/year>, Experian has failed to : Complete its reinvestigation within the 30-day statutory period ( 1681i ( a ) ( 1 ) ( A ) ), Provide any written response or results of investigation ( 1681i ( a ) ( 6 ) ), and Demonstrate that the disputed data has been verified with supporting documentation. 

Because Experian has not verified or responded within the time allowed by law, the disputed information is considered unverified and must be deleted immediately under 1681i ( a ) ( 5 ) ( A ). Experians failure to meet federal deadlines constitutes willful and negligent noncompliance with the FCRA ( 1681n and 1681o ) and a clear violation of its duty to ensure maximum possible accuracy under 1681e ( b ).

This inaction is actively damaging my creditworthiness and livelihood, preventing access to housing and credit opportunities for my family. Experians disregard of federal law has caused direct and ongoing harm. 

I am requesting that the CFPB require Experian to : Delete the disputed XXXX XXXX XXXX XXXX account and all late-payment notations immediately, Provide written confirmation and an updated copy of my credit report, and Ensure future compliance with the FCRAs dispute investigation requirements. 

Attached : Original dispute letter dated XX/XX/year> Follow-up non-compliance demand letter dated XX/XX/year>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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX has no legitimate reason to report a collection account ( XXXX ) on my Equifax credit file. They furnished this account without providing the legally required validationno signed agreement, no breakdown of the balance, and no proof of their legal right to collect. Instead, they improperly reported this debt as if it were valid, which it is not. This constitutes a violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which mandates debt collectors to provide full validation before taking any collection action. Additionally, XXXX XXXX XXXX failed to give me a meaningful opportunity to dispute the debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite not complying with these federal requirements, they proceeded to report the debt. Their actions also violate 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act, which prohibits reporting to credit bureaus without proper notice and dispute opportunities. Furthermore, XXXX XXXX XXXX had no permissible purpose under 15 U.S.C. 1681b, and this account fails to meet the accuracy standard set forth under 15 U.S.C.1681e ( b ). This unauthorized and negligent reporting has damaged my credit profile and wasted my time. It is both unlawful and negligent, and I demand that it be addressed and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I had filed a bankruptcy and the vehicle was to be included in the bankruptcy. XXXX with XXXXXXXX XXXX  at Ally Auto is continuing to report to the credit bureau that I owe and reporting I am late which is affecting my credit history. I have already filed with the credit bureau and the XXXX XXXX XXXX XXXX XXXXXXXX at Ally stated I did not sign and send back the form and it is not the companys fault they did not receive it to completely discharge it so it is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Any information being reported inaccurate need to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MS

Complaint narrative:
Any information being reported inaccurate need to be deleted.

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 2025-10-14 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: IL

Complaint narrative:
I did not give XXXX consent to a voluntary repossession. I have no missed payments. I reported to XXXX that my car was stolen on XX/XX/XXXX and sent in proof to XXXX of the police report. XXXX found my car in a tow lot and never reached out to me. I received a call from the tow lot that my car was there. I called XXXX and that's how I found out that they had my car. Gap insurance is now taking over.

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 2025-10-14 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:
The following accounts remain inaccurate or unverifiable as of my latest 3-bureau report dated XX/XX/XXXX : XXXX XXXX ( XXXX ) : Reported as charged-off with an unpaid balance of {$8400.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. This account was closed years ago and should not continue to report as delinquent. 

XXXX XXXX XXXX XXXX XXXX  Listed as charged-off and in collection with a balance of {$18000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. Dates differ across bureaus, suggesting the account was re-aged. 

XXXX XXXXXXXX ( first account ) : Continues to report as charged-off with a {$4300.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX ( second account ) : Also charged-off and listed with a balance of {$760.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX : Still shows as charged-off with a balance of {$14000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX Account : Listed as late 120+ days and placed for collection with a balance of {$10000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( Credit Card ) : Reporting as charged-off with a {$9500.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX ( XXXX Account ) : Appears as a duplicate tradeline, reporting a {$4300.00} charge-off. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) : Reporting as a charged-off account with a {$22000.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( Secured Credit Card ) : Continues to show as charged-off with a {$380.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX : Listed as a student loan account charged-off with an {$11000.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( XXXX Account ) : Reports as charged-off with a {$140.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( XXXX XXXX Account ) : Also charged-off, showing a {$58.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was 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 non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
The following accounts remain inaccurate or unverifiable as of my latest 3-bureau report dated XX/XX/XXXX : XXXX XXXX ( XXXX ) : Reported as charged-off with an unpaid balance of {$8400.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. This account was closed years ago and should not continue to report as delinquent. 

XXXX XXXX XXXX XXXX XXXX  Listed as charged-off and in collection with a balance of {$18000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. Dates differ across bureaus, suggesting the account was re-aged. 

XXXX XXXXXXXX ( first account ) : Continues to report as charged-off with a {$4300.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX ( second account ) : Also charged-off and listed with a balance of {$760.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX : Still shows as charged-off with a balance of {$14000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX Account : Listed as late 120+ days and placed for collection with a balance of {$10000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( Credit Card ) : Reporting as charged-off with a {$9500.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX ( XXXX Account ) : Appears as a duplicate tradeline, reporting a {$4300.00} charge-off. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) : Reporting as a charged-off account with a {$22000.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( Secured Credit Card ) : Continues to show as charged-off with a {$380.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX : Listed as a student loan account charged-off with an {$11000.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( XXXX Account ) : Reports as charged-off with a {$140.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( XXXX XXXX Account ) : Also charged-off, showing a {$58.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AR

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
I submitted a written dispute to [ XXXX XXXX XXXX ] regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. 
I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA.

Company response to consumer: Closed with explanation