vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX Attn : Compliance Department XXXX XXXX XXXX XXXX. 
XXXX XXXX, SD XXXX Date : XX/XX/XXXX Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance Officer, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by XXXX XXXX XXXX  or any affiliated collectors. 

Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties. 

Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law.

4. Case Law Supporting This Position : XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) Additionally, you have failed to provide : A wet-ink signature contract establishing lawful obligation ; A full chain of assignment/title showing lawful ownership of the alleged debt ; Verified accounting records in accordance with GAAP standards. 



DEMAND FOR REMEDY : You are hereby demanded to : Cease and desist all collection attempts, correspondence, or calls related to this matter ; Clear and discharge all alleged debts associated with my name, estate, or SSN ; Remove all tradelines related to this account from XXXX, XXXX, and TransUnion ; Provide written confirmation of said discharge and tradeline deletion within 30 days of receipt of this letter. 



Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( UCC 1-308 ). 

Respectfully, XXXX XXXX XXXX Beneficiary & Secured Party Creditor 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 2025-08-08 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: FL

Complaint narrative:
XXXX'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX XXXX XXXX TRANS UNION\n\nDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-08 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: AL

Complaint narrative:
I paid both accounts in full and they are still reporting to Experian. I have disputed it multiple times and it has yet to be removed. The amounts paid if {$340.00} and {$500.00}.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  XXXX XXXX XXXX XXXX ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: AP

Complaint narrative:
Barclays credit card company suddenly locked me out of my online credit card accounts so I can not make payments. They said I must verify only through a US phone number. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the past 4 years and I do not have a US phone number. The company refuses to take payment over the phone or to provide me an alternate means of identifying myself with another way besides calling a US phone number. This discriminatory action against XXXX XXXXXXXX XXXX XXXX XXXX  is outrageous as there are over XXXX XXXXXXXX XXXX XXXX  and their families living in XXXX alone. I then told them I wanted to close out the account and they refused to let me close the account. So the company won't take my payments either over the phone or by mail, but they also won't allow me to close the account and pay it off in order to stop interest from accruing. The Barclays customer service representative told me I need to make copies of my driver 's license and social security cards and mail them to their company, but this is a serious breach of personally identifiable information as I do not know who will receive the letter or how it will be safeguarded or destroyed. This can not be legal for a US company to charge interest and at the same time refuse to take any form of payment.

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 2025-08-08 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: OH

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-08 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: NY

Complaint narrative:
I am formally disputing the inaccurate and inconsistent reporting of a closed XXXX XXXX account that appears on my credit report. Each credit bureau is reporting different account numbers and amounts owed, which is materially misleading and unverifiable. Pursuant to 15 U.S.C. 1681c-2, I am requesting the immediate blocking and removal of this information as it is clearly the result of identity confusion or reporting errors. This inaccurate data is harming my creditworthiness and must be deleted under the Fair Credit Reporting Act.

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 2025-08-08 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: CA

Complaint narrative:
I am requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

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 2025-08-08 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 requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

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 2025-08-08 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX 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 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 2025-08-08 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I was at XXXX XXXXXXXX XXXX wells Fargo I told the employees that I would be travelling and that I want to know how much is a debit card cash advance I was told free, so I made XXXX cash advance transactions on the recipes it never showed the {$3.00} just {$1000.00} my money, I called the bank to find out if there were any fees and they said that they can't talk to me because I don't have a phone number to send me a code to what ofcourse I have a phone number, this bank just make billions of dollars by overcharging fees no online banking no reps would talk to me please help I was charged {$33.00} and told it was valid it wasn't on the receipt it said {$1000.00}

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 2025-08-08 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:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for failing to properly investigate and refund a disputed charge of {$550.00} that I did not authorize or use. 

I provided a receipt from the merchant showing that the correct amount paid was {$240.00}, and the services listed on the higher charge were never performed. This means the {$550.00} charge is either a duplicate or inflated, and not reflective of the actual service. 

Despite submitting clear documentation, Navy Federal denied my dispute without conducting a fair or thorough investigation. The merchant confirmed they only processed one charge. I was told by the merchant to reach out to my bank, and Navy Federal still refused to reverse the incorrect charge. 

This violates the Fair Credit Billing Act ( FCBA ), which protects consumers from charges for goods or services not received or accepted. Navy Federal has failed to uphold its responsibility to protect my account and resolve this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : Chapter XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXXXXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON EXPERIAN XXXX XXXX XXXX DPT EDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXXXXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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