vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against TransUnion for their failure to conduct a proper investigation into a dispute I submitted regarding inaccurate and incomplete information on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a dispute letter to TransUnion challenging the accuracy of a bankruptcy entry on my credit report, along with other negative items on my credit report that are reporting inaccurately. Specifically, the bankruptcy is reported with only the court name ( which is incorrect ) and a filing date, lacking complete and verifiable details as required by the FCRA. Additionally, my credit report contains incorrect addresses that further damage my creditworthiness. 
In my dispute letter, I included all required documentation to verify my identity per FCRA guidelines, including a copy of my government-issued ID, my Social Security card , and proof of address. Despite complying with these regulations, TransUnion responded by stating, " We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' This response is unjustified, as I provided sufficient proof of identity, and their refusal to investigate constitutes a clear violation of my consumer rights under the FCRA. 
TransUnions failure to investigate and correct these inaccuracies has caused significant harm to my financial standing and creditworthiness, as well as extreme stress to my well-being. I mailed a second dispute letter on XX/XX/year>, reiterating my concerns and attaching the same identity verification documents, in hopes of resolving this issue and preventing further delays. 
TransUnion violated the FCRA by : Failing to conduct a reasonable investigation into my dispute, as required under 15 U.S.C. 1681i. 
Refusing to process my legitimate dispute despite my compliance with identity verification requirements. 
Continuing to report incomplete and inaccurate information ( bankruptcy details and incorrect addresses ) that does not meet FCRA standards for accuracy and completeness.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Niagara Central Revenue
State: AL

Complaint narrative:
On XX/XX/XXXX I got a call from Niagara Central Revenue about a debit from XXXX that I have no clue about. She said they weee going to take legal action about this old debit and file collections and one of the charges were Wire Fraud?? These were for my partner they were trying to get ahold of not even me. It was for XXXX XXXX XXXX. Wire Fraud for that type of loan? Even if they can send me proof of the debit as I requested via email to them I think something as serious as wire fraud is crazy!! That is a federal offense and I feel they were trying to scare me into just paying without proof of the debit.. this is wrong on so many levels! I also attached a copy of the email that they sent to me that is not even made out to the correct person. No idea who XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XX/XX/year>, I handed two cashiers checks totaling {$360000.00} to an agent of XXXXXXXX Bank of America, at a Bank of America branch in XXXX, CA near my home. I had previously opened a Traditional IRA account with XXXX and had deposited rollover funds using this same agent for the same type of transaction. The previous transaction had taken two or three days for the funds to appear in my account with no error, and the checks had come from the same credit union. However, the latest transaction is still in abeyance with no explanation. Of course, these institutions have a " stonewall '' type of interaction whereby customers can communicate only with underlings who apologize and say it will just take a little longer. But the reality is that, although XXXX confirms receipt of the checks, they are not depositing them in my account. My latest bit of information today was more of the same, just until Monday or Tuesday of next week. They have my funds and I have no recourse, and the clock is running on the 60 day time limit for deposit of rollover fund to avoid taxes. I do have photocopies of the checks in question.

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 2025-04-10 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
As a credit card customer of Barclays Bank I have paid my bill on time every month, and most months in full. My credit limit was reduced by 75 % for no valid reason. My XXXX XXXX is XXXX, and I have a perfect payment history. My utilization is impacted, and my credit score will be impacted, which negatively affects me. I called customer service asking for a reason, was not given a valid reason other than they felt it was a fair limit for my usage. I requested my limit be reinstated and was told no. I was told I could request a credit limit increase, there may be a fee and that my credit would be pulled to do so. Forcing me to apply/request an increase is idiocy and also negatively impacts my credit score. 

My card is now paid in full, frozen and will never be used again. I will consistently rate Barclays poorly for penalizing customers who actually pay their bills, especially considering this card has the highest interst rate of all my cards. Additionally, their security is incredibly lacking, as my card/account has been breached multiple times. I dont store card numbers online, and I dont give my card number to anyone.

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 2025-04-10 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: CA

Complaint narrative:
All this Inquiry 's are done fraudulently please investigate and remove all inquiry 's listed below. 
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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bridge IT, Inc.
State: IL

Complaint narrative:
Without consent Brigit opened an installment loan under my name, that was entered on to my credit report, under 205 ILCS 670 code. 
The company doesnt have any live agents to speak with which leads to unfair credit act, I requested for the company to immediately remove the loan that I didnt open, and I was told that it will remain on my credit for 7 years. It is unlawful and under us 15 USC 1638,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Used XXXX through Bank of America on XX/XX/year> and sent {$50.00} to wrong person. Contacted the wrong person and he said he would refund money. He then tried sending me {$200.00} and asking for {$150.00} back in a fake email.

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 2025-04-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX transunion file number # XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Verification and Supporting Documentation per FCRA 1681i Section 611 To Whom It May Concern, I am writing to formally request, pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), detailed information regarding the method of verification used to verify two collection accounts reporting under XXXX XXXX  which appear on my TransUnion credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number ( XXXX ) XXXX Account Number ( s XXXX XXXX I am requesting the method of verification used by TransUnion during the reinvestigation process, and specifically demand complete copies of any and all documentation provided by the furnisher ( XXXX XXXX  ) that verifies my alleged responsibility for these debts. This includes, but is not limited to : A contract or agreement bearing my signature that establishes an account with clear terms and conditions. 

Any disclosures or statements that were provided to me at the time the account was allegedly opened. 

Written authorization explicitly granting the original creditor or XXXX XXXX permission to access my private consumer information. 

The name, contact information, and method used by the individual/entity who verified the information with TransUnion. 

As a consumer, I have the right to full transparency when my personal and financial information is being reported. If TransUnion is unable to provide this information, it is my expectation that these accounts be promptly removed from my report in accordance with the FCRA. 

Please be advised that false certification or unverifiable data is considered a form of fraud, and continuing to report inaccurate or unverifiable information may result in further legal action. I request that you complete this reinvestigation and provide your response in writing within the 30-day time frame as outlined by the FCRA. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Subject : Second Dispute of Charge-O Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 To Whom It May Concern, I am writing in response to your recent notification that the charge-o on my credit report has been verified. After reviewing the results, I still believe that the charge-o reported under XXXX XXXX XXXX with account number : XXXX is inaccurate and requires further investigation. 
I previously disputed this entry with you, citing that the charge-o was incorrect, and I asked for an investigation in accordance with the Fair Credit Reporting Act ( FCRA ). However, your response to my dispute does not resolve the issue and fails to provide adequate evidence to support the charge-o 's validity. 
Under FCRA Section 1681b ( 2 ), information reported about me must be accurate. Additionally, Section 1681b ( 5 ) requires that any consumer report information must be used with a permissible purpose and must be accurate. It appears that the information provided by XXXX XXXX XXXX may still be erroneous, as I have not been provided with clear documentation or verification of this charge-o. 
Furthermore, Section 611 of the FCRA mandates that, upon a dispute, an investigation must be thorough and completed within 30 days. Given that my initial dispute was not resolved satisfactorily, I am requesting that you reinvestigate this charge-o entry with greater care and attention to the accuracy of the reported data.

I request the following : - Proof of verification from the creditor that substantiates the charge-o entry, including account statements, payment history, and any supporting documentation.- If the creditor can not provide satisfactory evidence that this charge-o is accurate, I request that the charge-o be removed from my credit report immediately.

Please be advised that under FCRA Section 1681i, if you are unable to verify the information after a second dispute, you are required to delete the incorrect entry from my credit report. 
Thank you for your prompt attention to this matter. I expect to receive your results of the reinvestigation within the 30-day period outlined by the FCRA. If you fail to comply, I will have no choice but to pursue further action to ensure my rights are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The student loan was shown to be paid in full a couple of months prior. It was on auto draft and the last payment was less than half of normal and should have paid the loan off. I then received a negative remark on my credit due to having an account 60 days past due. I contacted the company and they stated that there was a missed payment three years prior and that due to this the payments were one cycle behind but that if viewed online it showed up to date on payments. The loan has now been paid and I would like to get this negative impact on my credit score fixed since it was an issue with their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-10 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX -Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-10 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: NC

Complaint narrative:
I am formally submitting this complaint regarding the inaccurate reporting of multiple late payments by Transunion. The records currently reflect several late payments that are factually incorrect, as these payments were made on time. Despite this, the erroneous information continues to appear on my credit report, negatively impacting my credit score and financial reputation. This matter requires immediate correction.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief