vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
To Whom It May Concern, I am writing to file a formal dispute and demand for correction regarding the way TransUnion is reporting my XXXX XXXX account ending in XXXX. 

On my TransUnion report, the account is shown as Paid, Closed, opened XX/XX/year>, yet still displays seven ( 7 ) late payments. This is inaccurate and misleading.

I have already disputed these late payments with all three credit bureausTransUnion, XXXX XXXX XXXX. Despite these disputes, the derogatory late payments remain, and I have not received any actual documentation proving delinquencyonly generic responses that the account was verified.

Violations of the Fair Credit Reporting Act ( FCRA ) 1. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy XXXX is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Reporting an account as Paid, Closed while simultaneously showing multiple late paymentswithout any supporting payment history or balance informationis contradictory and misleading. This is not maximum possible accuracy.

2. 15 U.S.C. 1681i Duty to Reinvestigate Disputed Information When I disputed these late payments with XXXX, you were obligated to conduct a reasonable reinvestigation and delete or correct any information that can not be verified. Simply parroting the furnishers verification without providing any underlying documentation, billing statements, or payment records does not meet the standard of a reasonable reinvestigation. 
3. 15 U.S.C. 1681 602 Congressional Findings and Right to Privacy Congress clearly states that consumer reporting must be fair, impartial, and respectful of the consumers right to privacy. Continuing to report unproven derogatory late payments on a closed and paid account is neither fair nor accurate and is damaging to my reputation and creditworthiness. 
4. 15 U.S.C. 1681 604 ( a ) ( 2 ) Permissible Purpose / Written Instructions The law also states that a consumer reporting agency can not furnish an account without my written instructions, except under specific permissible purposes. This account is closed and paid, and there is no current credit relationship to justify ongoing derogatory data being furnished or updated in a way that harms me, especially when its accuracy is in dispute.

5. 15 U.S.C. 1666b Treatment of Payments on Open-End Credit Plans A creditor may not improperly treat or classify payments on a credit card under an open-end consumer credit plan as late for purposes that are not consistent with the law or the actual payment terms. To date, neither Experian nor XXXX XXXX has provided documentation proving that these seven alleged late payments were actually late under the terms of the account.

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 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mortgage servicer ( Truist ) and their insurance claims processor ( Assurant ) are withholding my insurance claim funds after my home suffered damage. They are changing requirements after documents were already approved and falsely claiming the home is a total loss despite clear documentation from the insurance adjuster that it is not a total loss. The contradictory information and refusal to release funds are preventing repairs and causing financial harm.

After my insurance company issued the claim check for repairs, Truist sent us a written letter stating that to release the funds, they required only : 1 ) The insurance adjusters report, and 2 ) A repair affidavit.

We submitted both documents. Truist approved both documents. 

After approval, XXXX ( the processor handling Truists claims ) suddenly stated that we now need additional documents because the house had supposedly been classified as a total loss. 

This classification is incorrect and contradicts : A written statement from our insurance adjuster confirming the home is not a total loss.

An email from the adjuster explicitly stating it is not a total loss.

Multiple recorded phone calls where representatives of Truist/Assurant said it was not a total loss.

Other recorded calls where different representatives claimed it was a total loss.

These contradictions show that the lender and their claims processor are misclassifying the claim and using that incorrect classification to demand additional documents that were never part of the original requirements.

My home is not a total loss, yet Truist/Assurant are withholding funds and stating additional documentation is needed because it was deemed a total loss, even though the insurance company never made such a determination.

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 2025-12-04 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: IL

Complaint narrative:
AFFIDAVIT OF DISPUTE & NOTICE OF UNLAWFUL REINSERTION XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX | ( XXXX ) XXXX Date : XX/XX/year> To : Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This letter serves as an official and strategic Round 2 dispute for the unlawful reinsertion of a deleted accountXXXX XXXXon my Experian credit file.

I am documenting this issue to preserve a clear legal trail and establish bad faith if this matter escalates. As of now, this account is reporting with Experian only, and was previously removed. 
Reinsertion without proper certification and written notice is a direct violation of federal law. 
This reinsertion occurred without any notice sent to me within 5 business days as

required under FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). No certification of accuracy from the furnisher was provided either. I have not received any documentation, proof of verification, or explanation justifying this unlawful action. This omission strips me of my right to rebut or defend myself, which is both unjust and illegal under the law. 
Account Information : Creditor : XXXXXXXX XXXX Account Number : XXXX Status : Reinserted only on Experian not reporting with XXXX XXXX XXXX Legal Citations Asserted : FCRA 611 / 15 U.S.C. 1681i ( a ) Right to a reasonable reinvestigation FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Written notice required within 5 business days for reinsertion UCC 1-304 Duty of good faith and fair dealing FCRA 1681b No permissible purpose Formal Demand : I am demanding that the XXXXXXXX XXXX account be permanently deleted from my Experian credit report.

This letter will serve as documented evidence in my forthcoming CFPB complaint and potential FTC filing.

Should Experian fail to act lawfully, I will escalate this matter to civil court under : FCRA 1681n Willful noncompliance FCRA 1681o Negligent noncompliance Please investigate, provide written documentation of the furnishers certification, and confirm permanent deletion.

I expect a complete response within 15 days from the date of this notice. 
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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Hello. I'm reaching out to you from XXXX. I'm reaching out because of a grievance I've experienced. I trade on the Binance XXXX XXXX. Unfortunately, due to abnormal market movements on the night of XX/XX/year>, all my funds were forcibly liquidated. I hold Binance largely responsible for this situation, in addition to the market movements themselves. Because during such extreme price movements, the automated XXXX XXXX  should have been activated to stem people 's losses. That night, most coins dropped to almost {$0.00}. I lost approximately {$18000.00}. Binance only refunded {$4000.00}. This is only a small portion of my losses. I'm deeply saddened by this situation. This money was very important to my family. I contacted Binance again, but they responded negatively. Therefore, I ask for your assistance in filing sanctions against Binance and obtaining compensation for my losses. All information and details are attached. Please forward this email to the relevant parties. Thank you very much in advance for your help. 

XXXX XXXX XXXX TLF : XXXX Binance User ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX XXXXXXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$950.00}

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: DE

Complaint narrative:
In XX/XX/year>, a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) opened a credit card account with FNBO in my name without my informed consent. The dealership represented the product to me as a 0 % APR six-month loan to be applied toward my down payment on a vehicle lease. 

I was never told I was opening a revolving credit card, and I did not receive any credit card disclosures. I did not knowingly authorize a credit card application. FNBO later reported the product as a XXXX XXXX, not a loan. 

I recently obtained a copy of the lease contract from XXXX XXXX XXXX. The contract states {$19000.00} due at signing, but it shows no trace of the supposed {$5000.00} down-payment assistance that the dealership said would come from the FNBO account XXXX There is no capitalized cost reduction, no rebate, no non-cash credit, and no funding entry that reflects the use of the credit line. This indicates the FNBO credit was either not applied, misapplied, or misrepresented during the transaction. 

When I contacted FNBO, a representative told me that their application process requires a text message one-time-passcode ( OTP ) to complete the credit application. I have no record of receiving any OTP from FNBO during the period when the account was allegedly opened. This raises concerns that the authentication step was bypassed or completed without my involvement. 

I am disputing : whether I authorized the account at all whether FNBO received a valid credit application whether proper TILA and E-SIGN disclosures were provided the accuracy of dealer-submitted information whether FNBO followed proper identity verification procedures FNBO has not yet provided the original application, signature or consent records, disclosures, or OTP authentication logs. I am requesting CFPB assistance to require FNBO to : Produce all account-opening documentation Investigate the potentially unauthorized account Pause negative reporting and collection activity during the dispute Close or correct the account if authorization can not be proven This issue is also part of an active AAA arbitration involving allegations of deceptive auto financing and misrepresentation by the dealership. I believe violations of the FCBA, TILA, FCRA, E-SIGN Act, and UDAP standards may have occurred.

Company response to consumer: Closed with explanation