vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Summary of the issue : In XX/XX/XXXX, my TransUnion credit score dropped XXXX points due to a sudden change in my Derogatory Marks category, which went from Excellent to Fair. However, I never had any collections, charge-offs, or public records added to my file during that time. 

The derogatory mark has since disappeared and no longer shows on my report, but the score drop still impacted me. I have contacted TransUnion twice once XX/XX/XXXX and again today asking to speak with a supervisor and receive an explanation. Both times I was told I would receive a callback within XXXX hours. I never received a callback after the first request and do not trust the second will occur either. 

I also requested a full file disclosure under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), including all changes or derogatory items reported, corrected, or deleted between XXXX and XX/XX/XXXX. The representative claimed she could not access XXXX data due to limited access. 

I believe TransUnion is either withholding information or refusing to comply with federal disclosure requirements. I am requesting CFPB assistance to compel TransUnion to provide : A written explanation of the cause of the XX/XX/XXXX score drop A complete file history covering the months of XXXX XXXX Confirmation that no derogatory item exists or existed during that time This has caused undue stress and may have affected my financial standing. I want this formally investigated. 

Most concerning : the agent told me she had limited access and could not view or investigate any entries from XXXX. That is unacceptable. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I am entitled to a full file disclosure, including prior reporting activity, deleted or corrected accounts, and score-impacting changes. 

If TransUnion is unable to access or disclose what caused this score drop especially if the data existed and was later deleted this constitutes a violation of my consumer rights. I am asking CFPB to step in to ensure compliance and transparency.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc.
State: OR

Complaint narrative:
So my complaint isn't just towards the sparrow mastercard it's also toward all of the major credit bureaus. So months ago I canceled my card .sparrow still reports that my account is open and i owe a balance i filed a dispute nothing was fixed so I filed a second dispute with screen shots of my online sparrow account proving it's closed and paid in full. Still nothing i contacted sparrow they won't help so I contacted transunion and equifax showed them my screen shots they still refuse to correct my account. Let me be clear my account is closed and paid in full both sparrow as a company and the credit bureaus refuse to be honest in what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This message is in response to your recent collection attempt concerning an alleged debt. I hereby dispute your claims in their entirety and formally request full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ).

Under federal law, you are required to cease all collection efforts and provide me with the following : The name and address of the original creditor ; The original amount of the debt, including a breakdown of any fees or interest ; The date of the original default or delinquency ; A copy of any signed agreement or other documents showing that I am legally obligated to pay ; Proof that you are legally authorized to collect this debt in my state ; A copy of the debt collector 's license ( if required by my state law ) ; Verification that this debt has not been sold or transferred unlawfully ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase ended my banking relationship about a year ago and closed my checking account without providing any explanation. I was never told why the account was closed, despite my attempts to find out.

Since then, I have continued receiving marketing emails from Chase encouraging me to open a new account, along with emails related to credit score tracking, likely from their Credit Journey service.

When I attempted to log into my old Chase account to stop these emails or cancel the credit monitoring, I received a message saying the account is suspended due to suspicious behavior. I can no longer access the account, yet Chase appears to still be using my personal information without my consent.

I want : A clear explanation for why my account was closed.

My information removed from all Chase systems, including Credit Journey and marketing lists.

Written confirmation that no accounts or services remain open in my name.

Ive been unable to resolve this directly with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
To Whom It May Concern : I am disputing the following inaccurate information on my credit report in violation of 15 USC 1681 and 1666B : Creditor Name : XXXX XXXX XXXX XXXX Disputed Items : Late Payments Legal Basis for Dispute : 1. 15 USC 1681 ( FCRA ) Section 602 - Violation of my right to privacy 2. 15 USC 1681 Section 604 ( a ) ( 2 ) - Illegal furnishing of account information without my written consent 3. 15 USC 1666B - Prohibits treating payments as late when received by due date Required Actions : 1. Immediately remove all disputed late payments 2. Provide written verification of correction 3. Delete the account if XXXX XXXX can not validate within 30 days Under 15 USC 1681i, you must investigate within 30 days. Failure to correct inaccuracies may result in legal action under 15 USC 1681n.

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 2025-08-02 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: IL

Complaint narrative:
I reviewed my Equifax credit report and found inquiries that do not belong to me. I have attached the inquiries along with the required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am submitting this complaint against TransUnion and XXXX XXXX XXXX ( XXXX ) for willfully continuing to report an unverified and inaccurate collection account despite multiple disputes.I have disputed this account 12 times with TransUnion. 
Equifax, Experian, and Experian XXXX have already deleted this same account due to lack of verification.NCS has never provided a signed lease, court judgment, or a detailed billing ledger to prove the validity of the debt. 
TransUnion claims the account is verified but refuses to provide supporting documentation, violating FCRA 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), 607 ( b ) and FDCPA 809 ( b ).

What I Am Requesting : Immediate deletion of the XXXX collection account from my TransUnion report. 
A formal explanation from both TransUnion and XXXX as to why they continue to report an account that other bureaus have removed. 
Compensation for consumer harm and statutory damages under FCRA 616 and 617 for willful noncompliance.

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 2025-08-02 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: TN

Complaint narrative:
Experian has everyone of my inquiries on my report, listed for more than 24 months. The law says 24 months, not 25 or 26 months. Correct them all or remove them all. See the screenshot and read the screenshot. 

the law states : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. 
Inaccurate, incomplete information must be removed or corrected.

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 2025-08-02 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 reviewed my credit report and found that there is a negative payment status being reported by XXXX XXXX for a billing period in XX/XX/XXXX. However, I have records confirming that the payment was made on time, and this late mark is inaccurate. Additionally, there are numerous hard inquiries on my report from companies including Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and multiple entries from XXXX XXXX and XXXX XXXX XXXX XXXX throughout XXXX. I did not authorize or initiate many of these inquiries, and they continue to appear even after previous disputes. The presence of these inaccuracies is damaging my XXXX XXXX and affecting my financial opportunities. Ive submitted disputes in the past, yet these issues remain unresolved, which is unacceptable at this point. I am now requesting a full reinvestigation into the negative Affirm payment and the unauthorized inquiries to ensure my credit file reflects only verified and accurate 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I disputed a debt reported by XXXX  that was paid in full through automated payments directly from my account. The account in question was set up with scheduled payments that continued until the balance was fully satisfied. Despite submitting documentation, including a federal identity theft report and requesting verification, XXXX  marked the account as verified and updated without providing any evidence to support the accuracy of the information. I did not receive documentation from the furnisher verifying the delinquency or charge-off status. Additionally, this item continues to report a charged-off status or delinquency even though the debt has been fully paid, which is inaccurate and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Delayed Refund and Poor Customer Service To Whom It May Concern, I am writing to formally file a complaint regarding my recent experience with Nissan Motor Acceptance Company ( NMAC ) concerning an overpayment refund owed to me after I traded in my XXXX XXXX XXXX on XX/XX/year>, for a XXXX XXXX XXXX 
Despite the trade-in being completed, a payment of approximately $ XXXX still drafted from my account on XX/XX/year>, resulting in an overpayment on the prior loan on the XXXX. 

Since then, I have spent over XXXX weeks attempting to resolve this issue through multiple phone calls and live chats with XXXX. I have made numerous attempts to reach an agent by phone, only to be disconnected or placed on indefinite hold. Altogether, I have spent more than XXXX hours holding on the phone or waiting in chats with no resolution or meaningful updates until XX/XX/XXXX. 

This delay in processing my refund has caused significant financial inconvenience, as the funds were withdrawn without notice or timely return. Moreover, the complete lack of communication, accountability, and transparency from your customer service team has left me incredibly disappointed and frustrated. 

On XX/XX/XXXX, I finally reached a representative XXXX XXXX via chat ), who informed me that the refund had not been processed due to a system migration and would now require manual intervention. While I appreciate her assistance, it should not have taken this long or this much effort to receive basic support for a billing error, caused by your company. 

I am requesting the following : Immediate manual processing and issuance of my refund. 
Written confirmation of the refund timeline. 
An explanation as to why multiple agents failed to resolve or escalate this matter. 
Consideration of a goodwill gesture or compensation due to the inconvenience and time lost. 

I hope Nissan takes this complaint seriously and implements measures to improve both your internal systems and the customer experience for future clients. Please respond promptly with a resolution. There should never be a time where it is okay to withhold an overpayment on a closed loan for over XXXX days. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX Additionally, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report. 

Therefore, the continued presence of these accounts constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report these accounts on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am disputing a derogatory account reported by XXXX XXXX Bank XXXX. Despite lawful tender of a negotiable instrument, the account continues to show a charge-off. 
The instrument was issued to satisfy the alleged debt, but the bank failed to honor it, constituting securities fraud and breach under UCC 3-603.

Additionally, the account was opened and reported using my Social Security Number without proper authorization, raising identity misuse concerns. 
I previously filed CFPB Complaint ID XXXX, which was closed without investigation and improperly referred to FDIC. 
I am now submitting supporting documents including : Affidavit of Tender Certificate of Service Violation Matrix {$25000.00} Settlement Demand TransUnion triggered a manual review but failed to correct the tradeline. The account shows a {$0.00} balance but remains derogatory. 
This violates FCRA 1681s-2 ( b ), 1681e ( b ), UCC 3-603 , and TILA 1631. I request correction to reflect Paid as Agreed and a full investigation into the banks reporting and handling of the instrument.

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 2025-08-02 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: NY

Complaint narrative:
XXXX XXXX XXXX HAS CHARGED OFF THE DEBT AND HAS NOT SENT ME THE 1099c form, BUT ON MY CREDIT IT STATE CHARGE OFF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX Account XXXX. XXXX Additionally, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report. 

Therefore, the continued presence of these accounts constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner.

I have contacted Experian on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report these accounts on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this 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