vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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 filing this 8th CFPB complaint because my credit reports continue to display multiple inaccurate, unverifiable, and misleading entries that violate my rights under federal reporting laws, despite repeated disputes. Under FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ), TransUnion is still reporting an inaccurate current address : XXXX XXXX XXXX, XXXX, CA XXXX, which is not mine and has never been associated with me. Additionally, the XXXX XXXX XXXX XXXX account remains inaccurately listed as a late closed account, with Experian showing no balance at all and TransUnion showing a {$0.00} balance, creating conflicting data that fails accuracy standards. Under FCRA 607 ( b ) regarding accurate reporting and the requirement to provide proper documentation for debt exceeding {$600.00}, the XXXX XXXX charge-off continues to appear with a {$1400.00} balance in Experian and TransUnion without any supporting 1099-C, making the reporting incomplete, misleading, and noncompliant. Further, the collection accounts reported under FDCPA 807, FDCPA 809, and FCRA 605B remain unverified and inaccurate, including XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX with a {$620.00} balance in both Experian and TransUnion, and XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX showing a {$67.00} balance in TransUnion, none of which have been validated or corrected despite multiple disputes. These continued reporting failures have caused ongoing harm, unfair credit suppression, and repeated violations of federal accuracy, verification, and reinvestigation standards, requiring immediate intervention and 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 2025-12-01 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: MD

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law.

You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees.

Fraudulent Accounts and Inquiries ( Already Documented ) : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denali Capital Holdings, LLC
State: LA

Complaint narrative:
I am disputing an alleged debt because the company is attempting to collect the wrong amount and has provided false or misleading information regarding the validity of the debt. I requested full debt validation, including proof of ownership, itemized accounting, and documentation showing I am legally responsible for the debt. The company did not provide any of the required validation. 

They are continuing to report and attempt to collect a balance that has not been verified, which is a violation of the FDCPA. Since they failed to validate the debt after my request, I am asking the CFPB to require the company to stop collection activity and remove the unverified debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my checking account earlier this year. The account had been originally linked to my XXXX ( XXXX ) cryptocurrency exchange account. After XXXX closed my exchange account, they informed me that, for security reasons, they only allow withdrawals to the original bank account on file. Because the Bank of America account is now closed, XXXX requires an official account closed letter from Bank of America in order to let me update my banking information and withdraw my remaining funds. 

At the end of XXXX, I contacted Bank of America and requested an account-closure confirmation letter. I have since made at least four follow-up calls over multiple weeks. Each time, customer service representatives assured me that the letter would be mailed and even provided estimated delivery dates, but no letter has ever arrived. As of today, I still have not received the required documentation. 

Without this account-closure letter, XXXX will not allow me to update my banking information or access my remaining funds. I have taken all steps requested by both companies, repeatedly followed up with Bank of America, and complied with their process, but I remain unable to retrieve my money due to the banks failure to send a standard account-closure confirmation.

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 2025-12-01 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: MI

Complaint narrative:
I am submitting this follow-up regarding my previously filed dispute concerning multiple inaccuracies on my credit report. After reviewing the results of the prior investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continuing discrepancies materially misrepresent my credit history and create an incomplete and misleading depiction of my financial responsibility. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original creditorXXXX XXXX  SERVICED BY XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law.

You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees.

Fraudulent Accounts and Inquiries ( Already Documented ) : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : 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 2025-12-01 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 am filing this complaint because my credit reports contain multiple inaccurate, outdated, and unverifiable items that are causing ongoing harm to my creditworthiness and financial opportunities. My reports list several addresses that do not belong to me XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXdespite the FCRAs requirement for maximum accuracy. Additionally, there is an improperly reported charge-off from XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance, which is still harming my file. My credit reports also include multiple questionable collection accounts : XXXX  XXXXXXXX XXXX XXXX for {$470.00}, XXXX XXXX XXXX XXXX for {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$220.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1300.00}, some of which appear duplicated, outdated, or lacking a proper Date of First Delinquency as required under FCRA 623 ( a ) ( 5 ). Furthermore, I discovered unauthorized hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which were made without my consent and without a permissible purpose under FCRA 604 ( a ). Despite my previous attempts to dispute these issues, the credit bureaus either failed to correct the errors or continued to report them without verifying their accuracy, violating FCRA 611 and 607 ( b ). These inaccuracies collectively damage my credit standing and misrepresent my identity, payment history, and authorization rights.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send written notification of the actions taken. I appreciate your prompt attention to this matter. 

XXXX : Opened XX/XX/XXXX with a balance of {$900.00}. This account is inaccurately reported as a collection account. Provide proof or correct this immediately. 

XXXX : Opened XX/XX/XXXX with a balance of {$4000.00}. This account is inaccurately reported as a collection account. Provide proof or correct this immediately. 

XXXX : Opened XX/XX/XXXX with a balance of {$13000.00}. This account is inaccurately reported as a collection account. Provide proof or correct this immediately. 

XXXX : Opened XX/XX/XXXX with a balance of {$1300.00}. This account is inaccurately reported as a collection account. Provide proof or correct this immediately. 

XXXX : Opened XX/XX/XXXX with a balance of {$13000.00}. This account is inaccurately reported as a collection account. Provide proof or correct this immediately. 

XXXX : Opened XX/XX/XXXX with a balance of {$8200.00}. This account is inaccurately reported as a collection account. Provide proof or correct this immediately. 

XXXX XXXX : Opened XX/XX/XXXX with a balance of {$28000.00}. This account is inaccurately reported as a collection account. Provide proof or correct this immediately. 

XXXX XXXX : Opened XX/XX/XXXX with a balance of {$0.00}. This account is inaccurately reported as a collection account. Provide proof or correct this immediately.

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 2025-12-01 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Harassing calls threats towards me to pay calling all hours and multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
CFPB Complaint Feedback Ally Bank Response Consumer : XXXX XXXX XXXX CFPB Reference Number : XXXX Creditor : Ally Bank File Number : XXXX Response to Ally Banks XX/XX/XXXX Letter I appreciate Ally Banks response ; however, I continue to dispute the accuracy and legality of the charge-off reporting associated with this account. The information being furnished is inaccurate, misleading, and previously deleted, yet it has reappeared on my XXXX  report with the same errors.

1. Repeated Inaccurate Charge-Off Reporting Previously Deleted This account was already removed from my credit report in a prior dispute because the reporting showed multiple consecutive charge-off months, which is inaccurate and misleading. Despite being deleted once, the same faulty reporting has reappeared.

Allys own documents confirm that I paid the full balance on XX/XX/XXXX, yet the tradeline continues to show : Charge-off status even after full payment ; Multiple months of repeated charge-off reporting ; No accurate update reflecting Paid in Full or Closed.

This violates the furnishers duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ).

Because the reporting has been proven inaccurate, removed before, and reinserted with the same errors, I am requesting full deletion of this tradeline from all credit reports.

2. Unclear and Unsupported Deficiency/GAP Calculations Ally has not provided : A complete, itemized deficiency calculation ; Evidence of how GAP and insurance funds were applied ; Justification for the alleged {$7000.00} deficiency ; Documentation showing this information was communicated prior to reporting a charge-off.

Without transparent calculations, the deficiency amount and subsequent charge-off reporting lack factual support.

3. Failure to Properly Apply and Report Dispute Notations Ally claims to have marked the account as disputed, yet : The dispute notation is not visible across all three bureaus ; Information remains unchanged despite multiple disputes ; This may violate 15 U.S.C. 1681s-2 ( a ) ( 3 ), which requires furnishers to notify all CRAs when an account is disputed.

These failures further demonstrate unreliable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am disputing the accuracy of a Mercedes-Benz Financial Services account that shows a repossession on my credit report. The account information, including the balance after the repossession and the reporting of the account, appears incomplete, inaccurate, or unverifiable.

I have attempted to verify the information with the credit reporting agency, but Mercedes-Benz Financial Services has not provided documentation to fully support the reported balance, dates, or account details.

Because this information may be inaccurate or unverified, it is negatively impacting my credit report. I am requesting that Mercedes-Benz Financial Services provide complete documentation verifying the accuracy of the account reporting. If they can not fully verify the information, I request that the account and all related negative information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Self Financial Inc.
State: TX

Complaint narrative:
I am writing to dispute several fraudulent accounts and inaccurate information currently appearing on my credit report. These accounts were not opened by me, nor did I authorize anyone to open accounts in my name. Therefore, I am requesting an immediate investigation and deletion of all fraudulent information under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX Bank. They are reporting late payments for XXXX and XXXX on my auto loan account number XXXX. The account is currently paid and showing as current, but the historical late marks remain.

Under FCRA 623 ( a ) ( 2 ), furnishers must correct information that becomes inaccurate once an account is brought current. The continued reporting of these late payments is inaccurate and damaging my credit score.

I request a full investigation, verification of the late payments, or removal if proper documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX has been reporting to all three credit bureaus XXXX  XXXX  and Trans Union but Trans Union has refused to report the positive account from XXXX XXXX on my trans union credit report dropping my score down XXXX points and also negatively removing a good standing account I contacted them and it shouldve been under an investigation, but it is now been over 60 days and again it has been 10 months of them, not reporting my account on my reports which feels very discriminatory and it has lowered my score. Significantly on all three of my credit bureaus by Trans Union, not reflecting a true and honest credit score which is harmful and abusive, and I find that this is abusing me from improving my credit.

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