vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
This letter serves as my fourth and final formal dispute regarding the above-referenced account currently being reported by your bureau. 

At this point, the continued reporting of this account constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 

FACTUAL BACKGROUND This account has already been DELETED by XXXX  after failure to verify. 
Despite this deletion, XXXX  and TransUnion continue to report the account. 
No documentation has ever been provided establishing a valid permissible purpose for the continued reporting. 
The account contains material inconsistencies, including conflicting payment status, balance discrepancies, reporting of lates while showing current, and contradictory account ratings across bureaus. 

Once one CRA deletes an account for failure to verify, continued reporting by the remaining CRAs without independent, documented verification is not permissible under the FCRA. 

LACK OF PERMISSIBLE PURPOSE FCRA 604 Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish or continue reporting account data when a valid permissible purpose exists. 

You have failed to demonstrate : Who requested verification For what permissible purpose On what legal basis the account continues to be reported Without permissible purpose, continued reporting is illegal. 

FAILURE TO CONDUCT A REASONABLE REINVESTIGATION FCRA 611 Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation. 

Simply parroting data from the furnisher does not meet the legal standard of a reasonable investigation, especially when : XXXX  has already deleted the tradeline The account shows internal contradictions No contract, payment history, or signed agreement has been produced Your reinvestigation is therefore procedurally deficient and legally invalid. 

REPORTING INACCURATE AND MISLEADING INFORMATION FCRA 607 ( b ) Under 15 U.S.C. 1681e ( b ), CRAs must ensure maximum possible accuracy. 

You are currently reporting : Conflicting balances Inconsistent payment statuses Late payments on an account shown as paid/current Reporting after deletion by another CRA This constitutes inaccurate, misleading, and unverifiable data. 

CONTINUED REPORTING AFTER NOTICE WILLFUL NONCOMPLIANCE You are now on actual notice of these violations. 

Continued reporting after this notice constitutes willful noncompliance, exposing your bureau to liability under : FCRA 616 Willful Noncompliance FCRA 617 Negligent Noncompliance

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: SD

Complaint narrative:
XX/XX/XXXX - called and asked to have a payoff letter sent so I can pay the debt in full without additional fees being applied between payment sent and payment recieved. I was told it may take XXXX business days. I never recieved letter. 

XX/XX/XXXX - called and informed I never recieved the payoff letter. I was told a request will be placed and the letter will be sent within XXXX XXXX hours. I never recieved the letter. 

XX/XX/XXXX - I didn't recieve the payoff letter. I was informed by XXXX that he sent the letter via email. I verified that he had the correct email. He informed me he would resend the letter. 

XX/XX/XXXX - I was informed that a payoff letter can not be sent because my account had been flagged for hardship in XXXX of XXXX. I was informed a manager would have to remove the flag before a payoff request can be submitted. The account was forwarded to a manager. 

XX/XX/XXXX - I called several times and was disconnected on various attempts to speak to a representative. When I finally got a hold of a representative I asked why I am repeatedly being hung up on. I request the payoff letter immediately to resolve the debt. 

XX/XX/XXXX - a Written request for the payoff statement from my mortgage company. No response XX/XX/XXXX - I spoke with a representative that informed me a payoff letter can not be sent because a complaint was filed on my account. I never submitted a complaint I just asked why I was being hung up on. 

XX/XX/XXXX - I spoke with a representative who said the payoff statement was sent to a manager for payoff letter approval. I was given a timeline of XXXX - XXXX hours. 

XX/XX/XXXX - A second written request for a payoff was submitted. No response. 

XX/XX/XXXX - I spoke with XXXX XXXX who informed me the payoff letter was sent to my mortgage company and they had scheduled a payoff for the account. I spoke with my mortgage company and they informed me they haven't recieved a payoff statement or spoke to anyone at Rausch Sturm to schedule payoff. 

XX/XX/XXXX - I called XXXX XXXX and told him my mortgage company hasn't recieved anything from them or scheduled a payment on the account. He explained he didn't know why the account was noted as such if that conversation ever took place. I informed XXXX that I have been brushed off for over XXXX weeks with promises to send a payoff. I informed him that I am filing a complaint with the FDCPA, South Dakota Attorney General and the Nebraska attorney General. He informed me he was going to file a complaint against me which will delay the payoff letter being sent. I informed him I have just been trying to pay the account off and Rausch Sturm is actively obstructing that process through either negligence or malicious intent.

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 2025-12-26 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: IL

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 2025-12-26 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: IL

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Take a look at the materials shared ; the inquiries were received without warning and could lack approval.

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 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
During the federal government shut down, I provided XXXX my financial hardship paperwork. I also called them and let them know that I would not be able to make payment on time until the government reopened and I was paid. They said XXXX and then charge me a late fee and said that just because I gave him the hardship paperwork it didnt mean that they would waive any late fees or reporting late payments. I called today XX/XX/year> and they said they couldnt do any about the late fee or reporting the late payment. This is unacceptable when we work for the government and cant control a shut down. I was working and not getting my paid which should already be illegal. Then to have a mortgage company charge a late fee of around {$50.00} and not care I provided the financial hardship paperwork is unacceptable. They should be shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
Several weeks ago, I personally submitted dispute letters directly to all three credit reporting agencies regarding inaccurate information appearing on my credit report. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and the credit bureaus are legally required to conduct a reasonable investigation and correct or remove any inaccurate reporting. I have since received responses indicating that my disputes were submitted through a third-party service. This assertion is incorrect. I am the sole author and sender of these disputes, and I have not used, authorized, or engaged any credit repair organization, representative, or outside entity to act on my behalf.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Saying theyre closing my account due to my activity but ive done nothing wrong but used it as a normal checking account and wont let me access my funds and there is no closest branch near me at all I have bills due and theyre keeping my money from me

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 2025-12-26 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: OK

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-12-26 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:
As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
, I am writing this letter as a survivor of severe domestic abuse, neglect, and identity theft, and I am asking for your urgent attention, compassion, and understanding. My name is XXXX XXXX, and I was subjected to abuse and exploitation by my former XXXX XXXX. This abuse was extreme and ongoing, leaving me isolated, terrified, and without basic necessities. I frequently went without food for days, endured physical beatings, and was systematically stripped of my dignity, autonomy, and identity. During this period of extreme vulnerability, my personal documents, including identification and financial information, were taken from me. My foster family used my identity without my consent or knowledge, opening credit accounts in my name and placing me in financial jeopardy. I lived in constant fear, not only from the physical abuse but from the knowledge that my personal life and finances were being stolen. The trauma has left lasting effects : I suffer from XXXX, XXXX, and recurring fear that these people could still harm me or interfere with my life. I am doing my best to survive and rebuild, but the existence of these fraudulent accounts prevents me from moving forward. The fraudulent accounts opened in my name include : XXXX  XXXX XXXX opened XX/XX/XXXX balance {$5000.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$14000.00} I did not apply for, authorize, or benefit from any of these accounts. They were created entirely without my knowledge or consent. Each time I see these accounts on my credit report, I am reminded of the abuse I endured and the powerlessness I felt. The existence of these accounts is causing significant emotional distress and further destabilizing my life. 
I am begging for your humanity and compassion. I am requesting that these fraudulent accounts be thoroughly investigated and removed from my credit report immediately. I am willing to provide documentation, including identification, proof of residency, and any police or social service reports that may assist in verifying my claims.

I understand that my situation may be difficult to believe, but I assure you that the trauma, fear, and abuse I endured are real. I am asking not just for a correction to my credit report but for a chance to reclaim my life and dignity. Please consider this request with care, urgency, and empathy. Your assistance can help me move forward from a past that has caused so much pain and fear. The FTC report:XXXX  Thank you for your attention, understanding, and humanity.

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 2025-12-26 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: NY

Complaint narrative:
, I am writing this letter as a survivor of severe domestic abuse, neglect, and identity theft, and I am asking for your urgent attention, compassion, and understanding. My name is XXXX XXXX, and I was subjected to abuse and exploitation by my former XXXX XXXX. This abuse was extreme and ongoing, leaving me isolated, terrified, and without basic necessities. I frequently went without food for days, endured physical beatings, and was systematically stripped of my dignity, autonomy, and identity. During this period of extreme vulnerability, my personal documents, including identification and financial information, were taken from me. My foster family used my identity without my consent or knowledge, opening credit accounts in my name and placing me in financial jeopardy. I lived in constant fear, not only from the physical abuse but from the knowledge that my personal life and finances were being stolen. The trauma has left lasting effects : I suffer from XXXX, XXXX, and recurring fear that these people could still harm me or interfere with my life. I am doing my best to survive and rebuild, but the existence of these fraudulent accounts prevents me from moving forward. The fraudulent accounts opened in my name include : XXXX  XXXX XXXX opened XX/XX/XXXX balance {$5000.00}, XXXX XXXX XXXX opened XX/XX/XXXX balance {$14000.00} I did not apply for, authorize, or benefit from any of these accounts. They were created entirely without my knowledge or consent. Each time I see these accounts on my credit report, I am reminded of the abuse I endured and the powerlessness I felt. The existence of these accounts is causing significant emotional distress and further destabilizing my life. 
I am begging for your humanity and compassion. I am requesting that these fraudulent accounts be thoroughly investigated and removed from my credit report immediately. I am willing to provide documentation, including identification, proof of residency, and any police or social service reports that may assist in verifying my claims.

I understand that my situation may be difficult to believe, but I assure you that the trauma, fear, and abuse I endured are real. I am asking not just for a correction to my credit report but for a chance to reclaim my life and dignity. Please consider this request with care, urgency, and empathy. Your assistance can help me move forward from a past that has caused so much pain and fear. The FTC report:XXXX  Thank you for your attention, understanding, and humanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly assess the materials shared ; these inquiries were received unexpectedly and may lack authorization.

Company response to consumer: Closed with explanation