vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: KY

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 non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter dated XXXX XXXX from XXXX wanting one or more authorized users on your account. I'm the only one with two cards.

I phone them to cancel one of my cards XXXX leaving only one. All my information is current no others. I wrote a letter dated XX/XX/year>, explaining I cancel one of my cards and not to close my account. I have been with XXXX over 50 YRS. 

I received a second letter dated XX/XX/year>, from XXXX stating they are closing my XXXX account. They will notify the three Consumer Agencies. The closing of my account.

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 2025-08-21 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:
Upon reviewing my credit files, I have discovered that XXXX XXXX is inaccurately and inconsistently reporting my account information across the three major credit reporting agencies. The issues identified are as follows : XXXX : Showing on-time payments, except for XX/XX/XXXX and XX/XX/XXXX ( showing no reporting ), and reporting a 120-day late payment in XX/XX/XXXX. 

TransUnion and XXXX  : Showing no reporting of this account at all. 

Additionally, I have documentation showing a {$0.00} balance and that the vehicle associated with this account was returned in XXXX. It is completely inaccurate and unreasonable for the company to report any late payments on an account with a XXXX balance and a vehicle that was surrendered years ago. 

This reporting is highly damaging to my creditworthiness and my ability to obtain credit from lenders. Furthermore, it does not comply with the Fair Credit Reporting Act. Per 15 U.S. Code 1681e ( b ) : 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. 

Your current reporting does not reflect maximum possible accuracy. I am formally requesting that you immediately investigate this matter, remove any inaccurate late payment history, and ensure that all three credit bureaus reflect correct and consistent informationspecifically that the account was closed with a {$0.00} balance and returned in 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding my account ending in XXXX and the CFPB Complaint ID : XXXX. 

Your response fails to address the central issue raised in my complaint : the misrepresentation of funds availability provided by your representative on a recorded line. Specifically, I was assured that {$270.00} would be available the following business day pursuant to Regulation CC, and this assurance was a material factor in my financial planning. Despite this guarantee, the funds were not released, resulting in direct financial harm. 

This is not a matter of misunderstanding policyit is a matter of reliance on inaccurate information provided by your institution. The failure to honor the stated availability of funds led to overdraft fees, missed obligations, and unnecessary hardship. Your letters omission of this key fact and its attempt to redirect the issue toward general deposit hold procedures is evasive and unacceptable. 

Accordingly, I am formally requesting compensation in the amount of {$270.00}, representing the funds that were promised but withheld, as well as the consequential damages incurred due to this misinformation. This request is made in good faith and in accordance with principles of equitable remedy for negligent misrepresentation. 

I urge Capital One to review the recorded call from XX/XX/year>, and respond with a resolution that reflects accountability and integrity. Should this matter remain unresolved, I reserve the right to pursue further action through regulatory or legal channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 XXXX XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX XXXXXXXX XXXX XXXX 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 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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX 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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
On XX/XX/XXXX and XXXX, 2025, I submitted written validation request via email to Glasser & Glasser, who were collecting on a XXXX XXXX  account. Despite my dispute, they accepted and deposited a payment on XX/XX/XXXX before providing validation. Their first mailed letter was postmarked XX/XX/XXXX and received on XX/XX/XXXX, but it was only a generic dunning notice and contained a false claim that XXXX XXXX  " merged with XXXX  XXXX, XXXX '' - which is not true according to my records. 

This sequence shows ( 1 ) collection without validation, ( 2 ) attempt to backfill with insufficient/false documentation, and ( 3 ) XXXX still processing scheduled payments while also referring me to Glasser. 

Related CFPB Complaints : XXXX # XXXX, # XXXX, # XXXX and Glasser # XXXX, # XXXX XXXX has been the only party to respond to date and XXXX 's response has been misleading, emphasizing an old settlement plan that became irrelevant once the account was placed with outside counsel. The issue is that Glasser collected without validating and then sent an unlawful/misrepresentative notice. 

In addition, XXXX  never notified me in writing that the account was placed with Glasser ; I only discovered this by calling their automated system, and later their chat team referred me to Glasser with no escalation or explanation ( I have provided this documentation in previous CFPB complaints above ). Because Glasser is collecting as XXXX 's outside counsel, XXXX is equally responsible for these violations. 

My resolution request stands. 

I have also sent this documentation to the Maryland Attorney General Mediation Team, the Maryland Attorney General Enforcement Team ( I asked them to escalate this case ) and the Maryland Attorney Grievance Commission ( Maryland Bar ). I ask that XXXX and Glasser please govern themselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
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 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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I ordered an XXXX from XXXX XXXX XXXX in XXXX XXXX to the airport. After picking me up the driver stopped a few miles from the hotel, in a quiet roadway, I was alone. 

He said the choice I had made in the XXXX XXXX  was wrong and he couldnt take me to the airport unless he changed something on it. He told me to give him my phone so he could do it. I hesitated but again he said he couldnt take me to the airport. I gave him my phone with the XXXX XXXX  open, he cancelled the trip gave me my phone back and told me I would pay him with my credit card at the airport. I was not going to argue w a stranger on the side of the road alone in a foreign country. 

When he reached the airport he stopped in a parking lot, said he didnt accept XXXX. Told me the total would be XXXX XXXX pesos. I paid with a TD bank XXXX. when I got home saw that he charged me twice for over {$3300.00} USD ( a XXXX mile ride. ) I called XXXX and TD bank. XXXX said they wouldnt be accountable for any financial portion because the transaction happened out of the app ( as if I had a choice ) but said they would investigate, considering the vetted a XXXX to drive for them. 

TD bank took all information I had but now denied my claim saying that no error has occurred. In the past they have blocked my card when suspicious activity occurred but in this case XXXX charges of over {$1600.00} each, XXXX after the other from a DRIVER vendor didnt trigger an alarm. Surreal. 

I have contacted XXXX numerous times for a copy of their investigation report as well as all records of the transaction on their end, from me ordering the XXXX to cancellation. I have not been provided anything. 

I also contacted XXXX XXXX XXXX for guidance on how to file a police report. They discouraged me from doing so. 

I finally reached the local police but after days of back and forth they said I would have to go back to the XXXX XXXX to file a report. 

Time is of essence to appeal the denial and I feel extremely violated and frustrated. 

Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
My vehicle was deemed a total loss XXXX the XXXX and my XXXX XXXX still has yet to pay off the remaining balance of the vehicle cause the finance company to report the balance as non paid on my credit report and threatening to file a repossession on my report for the balance that I am not entitled to pay. Toyota Financial stated I need to send a letter with my signature so they can release the payment to the lien holder which is XXXX XXXX. I have sent the requested information twice and it has still not been paid on my behalf. All the documents have been sent months prior, I have spoken with multiple supervisors who confirmed it will be processed on my behalf to XXXX and then a few weeks later, XXXX XXXX will call requesting a payment since Toyota Financial hasnt made it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am disputing a fraudulent account reported in my credit file. I did not authorize, open, or maintain this account. Its inclusion is a false reporting error and is causing significant harm to my credit profile.

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 2025-08-21 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: NJ

Complaint narrative:
My First Latitude secured credit card account was closed, and I am owed a refund ( $ XXXX ) of my security deposit/credit balance. 
Under Regulation Z, Truth in Lending Act ( 12 CFR 1026.11 ), a credit card issuer must refund any credit balance within 7 business days of account closure or written request. 
First Latitude first told me that a refund check was mailed on XXXX XXXX. However, when pressed for details, they later admitted that no check was ever issued.They have provided me with no check number, no mailing confirmation, and no tracking information.As of today, it has been over a month since the account was closed, and I still have not received my refund.

This means First Latitude has failed to comply with federal law and has withheld funds that rightfully belong to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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 am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief