vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: AR

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 Public Record - U.S. Bankruptcy CourtXXXX - XX/XX/year> VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court 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 explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request 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 2025-10-20 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: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request 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 2025-10-20 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am filing a formal complaint regarding my closed secured credit card account with Self Financial , Inc., which was terminated on XX/XX/2025 due to verification issues. Following the account closure, a refund of {$160.00} from my secured deposit remains outstanding. Despite multiple attempts to obtain information regarding the status of this refund, I have received conflicting and inadequate responses from Self Financial representatives, leaving me without clarity on when or if the funds will be returned. 

Key details of my case include the following transactions and account references : Transaction / Account XXXX, handled by XXXX and XXXX XXXX, on XX/XX/2025 Transaction / Account XXXX, handled by XXXX / XXXX, on XX/XX/2025 Correspondence regarding this matter has been linked to Self Financials offices at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX, and XXXXXXXX XXXX XXXX XXXX XXXX  TX. Despite providing this information and requesting resolution, I was informed by representatives that Self Financial does not have a time frame for issuing refunds. This assertion is incorrect and inconsistent with Federal Regulation Z ( 12 CFR 1026.11 ), which requires creditors to refund any remaining credit balance within seven business days of a customer request or within one billing cycle after account closure, whichever occurs first. 

The absence of a timely refund and refusal to provide a clear timeline constitutes non-compliance with federal law and creates undue hardship. As a financial institution, Self Financial is legally obligated to manage customer funds responsibly, adhere to regulatory requirements, and communicate clearly regarding outstanding balances. The delay and lack of transparency in issuing my refund is unacceptable. 

I am formally requesting that Self Financial immediately issue the refund of {$160.00} and provide written confirmation specifying the payment method, processing date, and any associated reference or tracking information. If this matter is not resolved promptly, I will escalate it to the Consumer Financial Protection Bureau ( CFPB ) for formal investigation and enforcement. 

Complainant Information : Name : XXXX XXXX Phone : XXXX Refund Amount : {$160.00} Account Closure Date : XX/XX/2025 Relevant Representatives : XXXX, XXXX XXXXXXXX ( XXXX ), XXXX / XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: LA

Complaint narrative:
Credit was reported due to late payments. According to 15 U.S.C. 1666 credit reports should not be reported for late payment. I would like to dispute this transaction off my credit report.

Carmax loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am writing to dispute four unauthorized hard inquiries appearing on my XXXX  credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish my credit report to entities that have a permissible purpose and my explicit authorization. I have not provided authorization for the following inquiries : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent. According to the FCRA, unauthorized inquiries constitute a violation of my consumer rights and must be removed immediately. Please investigate these accounts and provide documented proof of my authorization. REQUIRED BY LAW! 

Additionally, as a result of this violation of my rights under 15 U.S.C. 1681n and 1681o, I am requesting a {$1000.00} statutory compensation per violation for willful and negligent noncompliance, as allowed under federal law.

Please provide a written confirmation that these unauthorized inquiries have been deleted and that TransUnion has corrected my report. I expect a full response within the 30-day period required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-20 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: FL

Complaint narrative:
The credit bureaus closed my previous complaint, claiming that the providers verified the accuracy of the information. However, they did not provide any proof or signed documentation demonstrating that I authorized or opened these accounts. I request that the CFPB reopen my complaint and require Experian to conduct a reasonable reinvestigation pursuant to the FCRA ( 15 U.S.C. 1681i ). 

I never opened, signed, or received any services or money from the disputed accounts mentioned in my previous complaint. I am also sending a certified dispute letter directly to the bureaus requesting copies of the original signed documents or the deletion of the accounts if they can not be verified.

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 2025-10-20 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: FL

Complaint narrative:
The credit bureaus closed my previous complaint, claiming that the providers verified the accuracy of the information. However, they did not provide any proof or signed documentation demonstrating that I authorized or opened these accounts. I request that the CFPB reopen my complaint and require Experian to conduct a reasonable reinvestigation pursuant to the FCRA ( 15 U.S.C. 1681i ). 

I never opened, signed, or received any services or money from the disputed accounts mentioned in my previous complaint. I am also sending a certified dispute letter directly to the bureaus requesting copies of the original signed documents or the deletion of the accounts if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX [ XXXX ] XX/XX/XXXX -- - XXXX XXXX XXXX XXXX XXXX  Subject : Request to Block Fraudulent Information Under FCRA 605B / 15 U.S. Code 1681c-2 XXXX XXXX  I am writing to formally dispute and request the XXXX XXXX blocking of fraudulent information XXXX XXXX on my credit report in accordance with the XXXX XXXX Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S. Code 1681c-2 XXXX XXXX XXXX. The information in question is the result of identity theft and does not belong to me. 

The following item ( XXXX ) should be XXXX XXXX blocked from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : XXXX XXXX Identity theft In accordance with FCRA 605B, I am providing the following documentation to support my claim : XXXX. XXXX XXXX  A copy of a valid identity theft report XXXX XXXX filed with [ name of law enforcement agency ], dated [ XX/XX/XXXX ]. 
XXXX. XXXX XXXX  Proof of identity XXXX XXXX including a copy of my government-issued photo ID and a recent utility bill showing my name and current address. 
XXXX. XXXX XXXX  A written statement XXXX XXXX  confirming that this account is a result of identity theft and that I did not authorize or open the account. 

Under the FCRA, you are required to block this fraudulent information from my credit report within XXXX XXXX  four business days XXXX XXXX  of receiving this request and supporting documentation. Please send me a confirmation in writing once the account ( s ) have been blocked or if further information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Due to multiple financial hardships I have been behind on payments for multiple months now ( never 30 days late. ) I requested a loan modification, but it was denied due to the unclear, lack of information the representative taking the application gave me. She asked me to give her a general idea of my income and expenses and told me they did not have to be exact. I had already been approved for a loan deferment ( which I opted out of because they wanted to close my credit card and further ding my credit! ) and I figured they already had the information so I gave her rough estimates for my bills ( one was way off XXXX for utilities as opposed to XXXX. ) The rep I did speak with said that had she explained the information I gave her needed to be fairy accurate, the loan modification would have been approved as there was a XXXX difference and the utilities were clearly off. I asked to have the call reviewed and the person I spoke with said the information was not made clear but technically wasn't inaccurate... it just wasn't made clear. This to me seems like inaccurate information. I was told I would get a call back within 24 hours because no managers can be found? I am now 30 days late and may potentially be later as they are dragging their feet on getting this taken care of. I would like to have this looked into this XXXX XXXX predatory practices for customers with financial hardships.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I repeatedly had discrepancies in my account that don't make sense. I repeatedly called my bank and spoke with various representatives and talked about multiple odd disrespencies and requested that the account be looked at in detail and that the specific oddities be investigated and no action was taken.

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 2025-10-20 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * XXXX XXXX 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 explanation