vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am writing to dispute the CBNA account on my XXXX XXXX XXXX  with the last XXXX digits XXXX XXXX. This account was opened on XX/XX/XXXX, and is currently showing a last reported date of XX/XX/XXXX, while being listed as XXXXOff. 

This reporting is highly questionable and likely inaccurate for the following reasons : XXXX. The account is outdated under the XXXX XXXX XXXX XXXX XXXX XXXX  ) Section XXXX ( a ), which limits the reporting of negative information ( such as XXXX XXXX XXXX  ) to XXXX years from the date of first delinquency. 
XXXX. The last reporting date of XX/XX/XXXX is suspicious, considering the account was opened nearly a XXXX  ago. This XXXX indicate re-aging a violation of the XXXX. 
XXXX. No recent activity or verification has been provided, making the account unverifiable and potentially erroneous

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 2025-08-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to 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 2025-08-06 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-06 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and XXXX  inquiries reported without my consent. These actions violate the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-06 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 request the blocking and deletion of all accounts associated with my personal information due to the data breach. 

Accounts in question : 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 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 2025-08-06 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report must contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or 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 2025-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XXXX  XX/XX/XXXX approx XXXX. {$100.00} was taken from my account at an XXXX atm. I was asleep when this happened. I don't know if the card was cloned. I have used a XXXX ATM in past just not on the day. I didn't make this transaction. PayPal is saying because I transferred funds onto the card and I knew the balance. I did this. I did not. That's the issue. I didn't make this transaction or authorize another person to use the card. I need help getting the funds returned to me. I'm not in a position to give out {$100.00}. I provided XXXX screenshots of my location during that day. I never even went to XXXX on that day. This not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: SHABANA MOTORS
State: TX

Complaint narrative:
I was sold a lemon car from Shabana motors and a few months after getting the car I had a lot of issues and they kept rasing my car payment every time it was time to pay I believe it was in the XXXX  day grace period and I told them they can come pick up the car because they wouldnt fix the car issues including seatbelt issues motor and they kept killing the switch on the car kept turning it off and on which messed up the battery very badly .. they picked up the car clean and in perfect condition and stop picking up the phone when I asked for my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX XXXX Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) XXXX XXXX XXXX Account Number XXXX Balance : {$150.00} Open Date XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank. I have multiple businesses accounts with this bank. XXXX weeks ago on XX/XX/XXXX they made all my accounts inaccessible and said under review. I have been going to the branch, calling the customer service, calling fraud and complaince service, practically called every possible number of PNC but nobody knows what is going on and nobody cares as to what needs to be done. This throws a big spanner, My business is on hold. I can not move money. I can not make payments, pay vendors or anyone. Its very frustrating and i have no clue as to what the XXXX is PNC doing with my money. I even asked them to close my account and give me all my money. They refused that too. I am having a nervous breakdown calling them every day and talking to them. All they do is just make you a volleyball and pass you around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am currently enrolled with InXXXX XXXX XXXX  and on an active debt management plan XXXX XXXX XXXX. Chase is fully aware of this arrangement, as they had to authorize my enrollment in the plan. My payments have been made on time every month with no missed or late payments. 

Despite this, I continue to receive frequent and harassing phone calls and mailed letters from Chases collections department. The calls come multiple times per day, and the letters are redundant and unnecessary given my active participation in the XXXX. 

These communications are excessive, disruptive, and serve no purpose other than to cause stress. I have not given consent for these repeated contacts and I am requesting that all communication be made in writing only. 

I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and request the CFPBs help in ensuring Chase ceases all unnecessary calls and letters immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
While reviewing my credit report today, I noticed unfamiliar and incorrect accounts listed, and I have no idea how they ended up there. I initially thought it might be a display issue, so I refreshed my browser, but the problem remained. These accounts are still showing, and its concerning. Im asking that the documents Ive submitted be looked over carefully to ensure this doesnt continue to be a source of stress for 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 2025-08-06 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX, and Ally Bank financed it for {$30000.00}. I've been making monthly payments of {$570.00}, starting XX/XX/XXXX. On XX/XX/XXXX, I contacted Ally by phone and requested a XXXX payoff quote. The quote I received was for {$14000.00}, which I paid on XX/XX/XXXX. Expecting to receive the title to my vehicle, I received a letter stating I owed an additional {$12.00}. I called Ally after this and asked why they wanted more money and they claimed I asked for a same day quote and not a 10 day payoff quote. This is not true and I wanted to pay the car off the same day but when asking the representative where or how to make that payment, she became very quite. I was paying through XXXX XXXX through my financial institution so to ease the representatives mind, I said " Oh, i can pay it how I've always paid it through my bank '' and she replied " Yes, do that. Afterall, you have 10 days to pay it anyhow. '' There was absolutely nothing mentioned about a same day payoff and that a 10 day quote was higher than what was told to me. In conclusion, they still have not given me my title and I do not feel i owe them any additional money including finance, or {$12.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$2700.00} INQUIRIES 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
Consumer complaint received 2025-08-06 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:
In XX/XX/year>, I uncovered a deeply troubling issue : someone has been using my identity to open fraudulent accounts without my knowledge or permission. I want to make it absolutely clear that I did not authorize these accounts at any time, and this is a clear instance of identity theft. 
This matter has caused me considerable distress, and I am urgently requesting swift action to resolve it. I am formally asking and fully expecting that you take immediate steps to remove and block all unauthorized credit accounts from my credit report. 
Accounts : 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 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