vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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 ) thatDisputeXXXXXXXX XXXX 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 2025-12-29 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 ) thatDisputeXXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV

Complaint narrative:
The information being reported is inaccurate they failed to validate the information and keep reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding my Ally account XXXX. Ally has failed to correct inaccurate late payment information and has never properly validated the alleged debt associated with this account. 
I previously disputed the late payments reported on this account because they are inaccurate. Despite my dispute, Ally has not corrected the incorrect late payment history or provided documentation validating the accuracy of the debt, including proof of the amount owed, payment history, or how the balance was calculated. 
Additionally, the information being reported for this account is inconsistent across the credit bureaus. The late payments and account details appear differently on XXXX XXXX XXXX XXXX, which indicates inaccurate or unreliable reporting. This inconsistency further demonstrates that Ally has not conducted a reasonable investigation as required under the Fair Credit Reporting Act. 
Allys failure to correct inaccurate late payments, failure to validate the debt, and inconsistent reporting across credit bureaus have caused ongoing harm to my credit file. I am requesting that Ally properly investigate this matter, correct or remove the inaccurate information, and ensure that all credit bureaus reflect consistent, accurate, and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
When you receive a statement the expenses, credit and installment are what you go by for the amount you owe for the month to paid in full. I pay total amount owed every month in full. But several times already the XXXX XXXX XXXX said I owe much more than is shown on the Statement and if I do not pay the full amount I was told the balance will incur interest charges. I have asked and request several times for an explanation of where the extra money I owe is coming from. The have email after chats and calls a standard explanation of how they take previous money amount and so on but never truly explaining why I owe the extra money. Again this month it is happening again and the agent told me he would escalate the issue/complaint. This is the same thing that has happened in the past at least XXXX times already. In the chat he told me to pay the amount in full and if there was any error they would reimburse me. All this is the same as when I request this in the last XXXX times and I have never gotten any reimbursement or a satisfactory reason or explain. He also told me to write a letter and mail it in this time. 

From all my years having credit card this is the first time that I am paying extra money to cover paying my total statement balance in full that does not match the statement. Should the statement not be exactly a picture of your charges, credits and installment and if you paid your previous month in full where is the extra charges coming from. 

I like using XXXX credit card, but I been thinking about closing it out due to this issue I have with them on XXXX occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 have identified information on my credit report that is a result of identity theft. The item is not related to any transaction completed by me, the consumer.

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 2025-12-29 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: AL

Complaint narrative:
I am writing to dispute several items on my credit report and request that they be investigated. The details of the disputed items are as follows : Inquiries : XXXX, Date : XX/XX/25 XXXX, Date : XX/XX/25

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 2025-12-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a victim of identity theft resulting from the data breach, I am requesting immediate action to rectify the damage to my credit report.

Specifically, I demand the removal of fraudulent accounts that have been opened in my name. Under FCRA 605B, I request that these accounts be blocked until the FTC investigation is complete, to prevent further harm. I am asserting my rights under FCRA 615, 617, 610, and 611, as well as FDCPA 809, to ensure that inaccurate information is corrected and removed, unfair collection practices are ceased, and my credit report is frozen until the investigation is complete. I respectfully request the FTC 's assistance in this matter and have attached supporting documentation to facilitate a thorough investigation.

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 2025-12-29 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: NJ

Complaint narrative:
As a victim of identity theft resulting from the data breach, I am requesting immediate action to rectify the damage to my credit report.

Specifically, I demand the removal of fraudulent accounts that have been opened in my name. Under FCRA 605B, I request that these accounts be blocked until the FTC investigation is complete, to prevent further harm. I am asserting my rights under FCRA 615, 617, 610, and 611, as well as FDCPA 809, to ensure that inaccurate information is corrected and removed, unfair collection practices are ceased, and my credit report is frozen until the investigation is complete. I respectfully request the FTC 's assistance in this matter and have attached supporting documentation to facilitate a thorough investigation.

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 2025-12-29 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: IL

Complaint narrative:
I am submitting this complaint regarding Experians failure to remove an inaccurate address from my credit report : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. 
This address does not belong to me and is not associated with my current or prior residence. I previously disputed this inaccurate address with Experian and requested that it be removed. Despite this dispute, Experian has failed to remove the address or conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
The continued reporting of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX is inaccurate and misleading and may improperly link my credit file to information that does not belong to me. This incorrect address has no legitimate connection to my identity, residence, or credit history. 
Experians failure to correct this inaccurate personal information demonstrates noncompliance with federal law. I am requesting that Experian immediately remove XXXX XXXX XXXX, XXXX, XXXX  XXXX from my credit report and update my file to reflect only accurate and verifiable 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 2025-12-29 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXXXXXX XXXX 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 2025-12-29 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: OH

Complaint narrative:
I HAVE BEEN A VICTIM OF THE XXXX  DATA BREACH AND HAVE BECOME A VICTIM OF IDENTITY THEFT.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my federal protected funds traceable through linked bank accounts were levied. This violated federal and state law. I have the levies from the bank. I have the deposits and transfers I have the award letters mailed proving funds. The bank put {$0.00} protected amount both times proving they did not do a two month look back. Also proving they willfully processed these levies under color of state law working in conjunction with the state agency to violate federal protections

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One fraud-closed my account but accepted and posted an IRS federal refund on XX/XX/year> for approximately {$1300.00} The funds were not rejected or returned and have been held for over 19 days with no release or check issued. 
I have repeatedly contacted Capital One and have not been provided a resolution or timeline. 
I am requesting immediate release of funds or issuance of a paper check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-29 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: Experian Information Solutions Inc.
State: MD

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 15 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 may 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 seven 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
An invalid lien was found during the closing process when we were selling our home. 
In XX/XX/XXXX, we obtained a XXXX and XXXX mortgage during the purchase of our home. We had already paid off our XXXX mortgage before we refinanced the XXXX mortgage in XXXX. BOK released the XXXX XXXX mortgage after that closing but did not release the XXXX XXXX. The refinance was paid in XX/XX/XXXX, and the lien release was filed. We have requested the payment history to validate when all loans were paid, but BOK has stated they no longer have the records but do not dispute our loans are paid in full. We requested an expedited lien release on XX/XX/XXXX via email and received a reply that a request has been submitted to the lien release vendor for processing. When we requested a status and a copy of the release, we found out it was mailed USPS from their Florida vendor around XXXX XXXX. We were under the impression that BOK Mortgage worked out of XXXX, Oklahoma. The release had still not been received when I checked with the county today. 
The company was not originally going to allow us to close until the lien was filed, so this could have cost us the sale of our property.

Company response to consumer: Closed with explanation