vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against TransUnion Consumer Relations. for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) 611 regarding my credit dispute. On XX/XX/year> I mailed a dispute package to TransUnion which included : A copy of my Social Security card, A copy of my government-issued identification and documentation supporting my dispute. 

Despite providing complete and valid identification, I received a letter from TransUnion ( attached ) on XX/XX/year> claiming they could not process my request because it did not appear to originate from me which is factually incorrect. This excuse is false and constitutes a deliberate stall tactic. This conduct is also a clear indication of negligence by TransUnion, as they are disregarding properly submitted documentation and failing to carry out their legal duty to reinvestigate disputed information. Their inaction violates my rights under the FCRA and undermines the integrity of the dispute process. This is the XXXX credit bureau that has attempted to use the same tactic to obstruct my dispute process, suggesting a pattern of systemic abuse within the credit reporting industry. TransUnion 's conduct violates the 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to reinvestigate disputed information within 30 days.

15 U.S.C. 1681i ( a ) ( 2 ) : Duty to forward all relevant information to the furnisher.

15 U.S.C. 1681i ( a ) ( 5 ) : Duty to delete or correct unverifiable information.

I am requesting that the CFPB compel TransUnion to : Accept and process my dispute immediately.

Provide confirmation of their reinvestigation.

Be held accountable for repeated stall tactics that undermine consumer rights.

Requested Relief : Require TransUnion to immediately begin the reinvestigation of my dispute.

Require TransUnion to provide written confirmation that the investigation is being conducted in compliance with the FCRA.

Hold TransUnion accountable for using stall tactics and for their negligence in handling properly submitted disputes. Please find attached : A copy of TransUnion stall letter A copy of my original mailed dispute package ( with ID and Social Security documentation ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I deposited a check via the mobile check deposit on XXXX as of XX/XX/year> the check is still being held. The check is from my mothers bank account and has already cleared her account and I am being told by navy federal this is for my protection yet they are still charging me overdraft fees the only reason I am overdraft is because they are holding the check I deposited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX -Balance {$490.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Balance {$4500.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$3900.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Balance {$23000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Balance {$3500.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$800.00} -Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I never received a correspondence in the mail from neither bureau. As I have stated, I have reached out to all 3, and now 4 companies to get a report and haven't heard from them to have the proof on paper to appeal with the documents attached. If possible, can all documents be forwarded due to low economic status?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Me and my boyfriend was in living at the XXXX XXXX XXXX XXXX apartments he crashed in the building do to his illness to they threatened to damage my credit or sue me been calling saying it going on my credit report and I never be able to rent again its my responsibility to pay the debt or get sued said I owe the XXXX I was driving the car I didnt do the damage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Despite multiple written requests for debt validation and documentation, TransUnion has refused to provide competent evidence of my legal obligation to pay the alleged student loan ( s ). Instead, TransUnion continues to furnish unverifiable and incomplete information to consumer reporting agencies, which is a direct violation of my consumer rights.

Details of Violation : 1. Failure to Provide Validation ( FDCPA, 15 U.S.C. 1692g ( b ) ) I requested, in writing, a copy of the original promissory note with my wet signature, an accounting of the alleged debt, and the chain of title/ownership. TransUnion failed to provide this information, yet continues collection activity.

2. Failure to Conduct Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ) After disputing the account with the credit reporting agencies, TransUnion merely updated 'historical trended data ' but did not provide supporting documentation. This does not constitute a reasonable investigation as required by law.

3. Furnishing Inaccurate/Unverifiable Information ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) TransUnion continues to report this account without substantiating its accuracy or validity. Furnishing unverified debt information is prohibited by 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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
This complaint against Cash App concerns their inadequate account closure procedures and poor customer service practices, which caused unnecessary stress and confusion for consumers. Cash App closed my account on XX/XX/year>, without warning or explanation. Customer service provided two reference numbers ( XXXX and XXXX ) and initially refused to provide an email contact for an appeal. No clear timeline or process for resolution was explained, leaving me to wait without any transparency about what was being investigated or why. 

While I ultimately received my money back, the process revealed serious issues with Cash App 's procedures. There is a lack of transparency in account closure decisions, inconsistent information from customer service, and no straightforward appeal process. This all contributed to unnecessary stress and confusion for consumers. 

Additionally, I spoke to someone over the phone after I sent a message to my daughter asking about the status of my money. I didn't intend any harm ; after all, I babysit my grandchild, and she forgot to send it. Once she received my message, she sent it, and that was when I was blocked from my account. This is the only explanation I can think of for the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
Account XXXX Vehicle DescriptionXXXX XXXX XXXX XXXX XXXXXXXX I am submitting this complaint against Nissan Motor Acceptance Corporation ( NMAC ) regarding the mishandling of my auto loan payoff following a total loss. 

My insurance company ( XXXX ) and two warranty companies have already sent payments directly to NMAC. XXXX initially attempted to send the payoff electronically but was told NMAC was having technical difficulties, so the payment was issued by check in XXXX. I also made a direct electronic payment to NMAC through their website for the XX/XX/year>XXXX  car payment for this totaled vehicle. The warranty providers confirmed their refund checks were sent and cashed by NMAC. 

As of today, NMAC has received the following : {$17000.00} XXXX settlement payment -see enclosed. 

{$1600.00} XXXX XXXX  warranty refund check ( XXXX ) {$540.00} XXXX XXXX Service Warranty refund- ( sent in XXXX per rep ) {$460.00} Direct payment I made online on XX/XX/year> Payment Pending GAP refund from XXXX XXXX XXXXXXXX for Gap on the totaled vehicle. 

Total received : {$20000.00} Total payoff owed : {$19000.00} NMAC has received more than the full payoff amount and should have closed the loan and issued me a refund. Instead, they continue to keep the loan open, attempting to collect additional interest and payments. This is inaccurate and unfair loan servicing. 

I am being financially harmed because I am still being asked to make payments on a loan that is already fully satisfied, while also making payments on a replacement vehicle as well as medical bills incurred from this accident. I request the CFPBs assistance in ensuring that NMAC properly applies all payments, closes out the account, and refunds any overpayment. 

Thank you for your assistance with this matter, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Formal Dispute of Fraudulent Accounts TransUnion Breach / Metro 2 Compliance Demand To Whom It May Concern, I am writing to formally dispute multiple closed accounts that are inaccurately reporting on my TransUnion credit file. These accounts are the result of fraud and identity compromise connected to the widely known TransUnion data breach. I never authorized these accounts nor the reported late payments, over-limit usage, or derogatory marks attached to them. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX Closed {$6000.00} limit XXXX XXXX XXXX XXXX XXXX XXXX  Closed {$1700.00} limit XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} limit XXXX. XXXX XXXX XXXX Closed {$750.00} limit XXXX. XXXX XXXXXXXX XXXX XXXX Closed {$350.00} limit XXXX. XXXX XXXX XXXX Closed {$1000.00} limit XXXX. XXXX XXXX Closed {$1400.00} limit Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 609, 611, and 623, I have the right to accurate and verifiable reporting. 
The accounts listed above are factually inaccurate and unverifiable due to the fraudulent creation/usage resulting from TransUnions own breach of consumer data security. 
The accounts do not belong to me and should not be reported as part of my credit history. 
According to Metro 2 Compliance Standards, all information furnished must be complete, accurate, and verifiable. Continuing to report these fraudulent accounts constitutes willful noncompliance. 

My Demand : 1. Immediately delete and suppress the fraudulent accounts listed above from my TransUnion credit report.

2. Provide me with the method of verification, including full contracts, applications, and signed documentation proving I authorized and maintained these accounts.

3. If you can not produce such documentation within 30 days, you are required under FCRA 611 and 15 U.S.C. 1681i to delete the accounts and send me an updated report reflecting the corrections. 

Notice of Liability : Failure to properly investigate and correct this matter will constitute willful noncompliance under FCRA 616 and 617, subjecting TransUnion and any data furnisher to civil liability, including damages and attorneys fees. 

This letter serves as my official notice of dispute. Please update my file accordingly, provide me with the results of your investigation within the required time, and ensure these fraudulent accounts are removed. 

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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts listed on my credit report that I believe contain incorrect information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I requested that a full validation be given. The reply I got was, the subscriber says its valid.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a dispute to the XXXX major Credit Bureaus XXXX Equifax, Experian, and TransUnion ) under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) regarding several inaccurate and unauthorized entries on my credit report. 
In my initial dispute, I provided comprehensive supporting documentation, including FTC Report # XXXX, clearly showing that these items are erroneous and do not belong to me. Despite this, the Credit Bureaus failed to conduct a timely or adequate reinvestigation within the mandated XXXX period. 
As of today, the following inaccurate items remain unresolved and continue to appear on my credit report : Charge-off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXantander Balance : {$7500.00} Collection account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$63.00} Unauthorized inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX The failure of the Credit Bureaus to properly reinvestigate and remove my credit report is causing ongoing harm to my creditworthiness. I am requesting that the CFPB take immediate action to ensure that the Credit Bureaus comply fully with their obligations under the FCRA and promptly remove these inaccurate and unauthorized entries

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a dispute to the XXXX major Credit Bureaus XXXX Equifax, Experian, and TransUnion ) under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) regarding several inaccurate and unauthorized entries on my credit report. 
In my initial dispute, I provided comprehensive supporting documentation, including FTC Report # XXXX, clearly showing that these items are erroneous and do not belong to me. Despite this, the Credit Bureaus failed to conduct a timely or adequate reinvestigation within the mandated XXXX period. 
As of today, the following inaccurate items remain unresolved and continue to appear on my credit report : Charge-off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXantander Balance : {$7500.00} Collection account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$63.00} Unauthorized inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX The failure of the Credit Bureaus to properly reinvestigate and remove my credit report is causing ongoing harm to my creditworthiness. I am requesting that the CFPB take immediate action to ensure that the Credit Bureaus comply fully with their obligations under the FCRA and promptly remove these inaccurate and unauthorized entries

Company response to consumer: Closed with explanation