vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona, XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Immediate Deletion or Correction of Inaccurate Data for XXXX XXXX Account Dear TransUnion XXXX Department, I am writing to formally dispute the inaccurate and inconsistent information being reported on my TransUnion credit report for the XXXX XXXX account ( account number ending in XXXX ). The data associated with this account is misleading, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting its immediate correction or deletion. 



Inaccuracies and FCRA Violations Identified : XXXX. Inconsistent Date Opened TransUnion reports this account was opened on XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. This discrepancy violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reporting. 
XXXX. XXXX XXXX XXXX TransUnion correctly shows a credit limit of {$1000.00}, while XXXX  reports {$0.00}. This variation significantly impacts my utilization ratio and must be addressed and documented accurately across all bureaus. 
XXXX. Contradictory Payment Status Despite the account reflecting a {$0.00} balance and being marked as XXXX, the payment status still shows XXXX XXXX Days. Reporting a paid and closed account with delinquency status without verified documentation is misleading and harmful. This violates 15 U.S.C. 1681i ( a ). 
4. Dispute Status Language The comment, Account was in dispute- now resolved, appears without any supporting documentation or explanation regarding the resolution or consumer response. This lack of transparency violates FCRA 611 ( 15 U.S.C. 1681i ) and must be addressed.

XXXX XXXX XXXX Closure Without Clarification The remarks state Closed or paid account/zero balance and Canceled by XXXX XXXX. This should clearly state whether closure was initiated by the creditor or by me as the consumer, as vague reporting invites misinterpretation and harms my credit profile. 



Formal Request : Pursuant to my rights under the FCRA : I am demanding a complete reinvestigation of this account. 
If the account information can not be fully verified using original creditor records, it must be permanently deleted from my TransUnion credit report. 
I request written confirmation of the reinvestigation outcome and an updated credit report reflecting any changes. 

Under federal law, you are required to respond within XXXX  days. If TransUnion continues to report unverifiable or inaccurate data, I will pursue all legal remedies available under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
My account with XXXX AND XXXX/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Lending Services LLC
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection BureauXXXX. XXXX XXXXXXXX XXXX XXXXXXXX Membership ID : XXXX Subject : Complaint Against Experian Regarding Credit Reporting Issues Dear CFPB, I am writing to formally file a complaint against Experian regarding their handling of my credit reporting disputes. I believe that Experian has violated several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 USC 1681-EB : Failure to ensure the maximum possible accuracy of information in my credit report.

2. 15 USC 1681-S2 : Neglecting to conduct a reasonable investigation into discrepancies I reported.

3. 15 USC 1681-I5 : Failing to provide notice of the results of their investigations into my disputes.

4. 15 USC 1681-CC : Re-inserting information that was previously disputed and found incorrect.

5. 15 USC 1681-A1 : Not providing written notice of the nature of these violations.

6. 15 USC 1681-IA6B3 : Ignoring my requests to validate the accuracy of the information in my report.

7. 15 USC 1681-IA5B : Not adhering to consumer protections as required by federal law. 
I have sent multiple letters to Experian detailing my disputes and have not received adequate responses or resolutions. My access to credit, employment, and housing has been compromised due to inaccurate information reported by Experian. 
I respectfully request that the CFPB investigate my complaint and take appropriate action against Experian for their noncompliance with the FCRA. I am looking for a resolution whereby Experian accurately reflects my credit history and adheres to federal laws regarding credit reporting. 
Thank you for your attention to this matter. Please feel free to contact me at the information provided above for any further information you may need. 
Sincerely, 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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed this account and requested a full Method of Verification ( MOV ) and documentation under FCRA and FDCPA. XXXX failed to provide sufficient validation or proof I owe this debt. No signed agreement, itemization, or legal chain of custody from the original creditor was produced. Despite my dispute, they continued reporting the debt as valid. This is a violation of my consumer rights under the FCRA 15 USC 1681s-2 ( b ) and FDCPA 15 USC 1692g XXXX I also believe this account may not belong to me or is inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Lendbuzz Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding my experience with XXXX  XXXX regarding an auto loan that was unexpectedly canceled after I had already been approved, finalized the purchase, and driven the vehicle off the lot. 

After receiving full approval for an auto loan from XXXX on XX/XX/year>, I completed the transaction and took possession of the vehicle and keys from the dealership. I had the vehicle in my possession for approximately a month and a half. 

Once the deal was finalized, XXXX informed me that the deductible needed to be {$1000.00}. I called my insurance company and had them change it over the phone to XXXX criteria and sent it to the dealer who then sent it to XXXX. 

Later, XXXX claimed that my proof of insurance was altered and fraudulenta claim I strongly dispute. Despite my compliance and effort to meet their insurance criteria, XXXX chose to cancel my auto loan agreement and blacklisted me from future financing with them entirely. I was left with no choice but to return the vehicle to the dealership on XX/XX/year>, nearly a month and a half after being approved, causing severe inconvenience, emotional distress, and financial and life disruption. 

I find it unacceptable that a loan can be canceled after approval and vehicle acceptance based on documentation that I corrected and resubmitted in good faith. At no point was I given a clear opportunity to resolve the issue before the loan was terminated and I was permanently barred from working with the lender again. 

I am requesting the CFPB to investigate XXXX practices regarding loan cancellation post-approval, the handling of customer documentation and communication, and the fairness of a lifetime blacklist following what was, at most, a curable documentation issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I filed a dispute on { Account number XXXX, XXXX XXXX XXXX  } due account information incorrect. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute on { Account number XXXX, XXXX XXXX XXXX  } due account information incorrect. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reported on my credit report. My Department of Education XXXX student loans are incorrectly being reported as 120 days late, which is completely inaccurate and damaging to my credit profile. 

I contacted my loan servicer directly, and they confirmed that my loans are currently in deferment until XX/XX/year>. Therefore, there should be no delinquent payments reported for this account during this deferment period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reported on my credit report. My Department of Education XXXX student loans are incorrectly being reported as 120 days late, which is completely inaccurate and damaging to my credit profile. 

I contacted my loan servicer directly, and they confirmed that my loans are currently in deferment until XX/XX/year>. Therefore, there should be no delinquent payments reported for this account during this deferment period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reported on my credit report. My Department of Education XXXX student loans are incorrectly being reported as XXXX days late, which is completely inaccurate and damaging to my credit profile. 

I contacted my loan servicer directly, and they confirmed that my loans are currently in deferment until XX/XX/year>. Therefore, there should be no delinquent payments reported for this account during this deferment period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'In Dec XXXX I took advantage of a Home Depot deal to get a discount on a purchase by opening a credit card. HD took info and a copy of my drivers license. I never received a card and in XXXX XXXX I was notified my credit score had dropped due to non payment of my card. In going to Home Depot I found that the address they had  was in Laguna Woods and that is where the statements and card went. Not my address.\nI have never lived in Laguna Woods. I have lived at my current address since 1984 and my drivers license has the correct address.\n\nHome depot is now offering a 0% interest for 2 years on a Kitchen redo which I want to take advantage of  , however my application was denied  for "Our records show an account previously closed by Citi"\nFurther the letter states that the credit decision was based ,in whole or in part , on information obtained in a report .... from Equifax.\nI obtained the Equifax reoport which shows a credit rating of 800..\nI also have a Citi Costco card for 25 plus years which has an good credit score.\n\nI have called both Citi  and Home Depot at XXXX XXXX XXXX and cannot get any info as to why I was denied.\nThe project for my home is priced at $46K and I own my home approx 1.5MM .\nCan you help and get me an explanation of why I was denied and appeal this decision.\n\nThank You \nJohn Repshas'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : 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
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I opened a Square account to send an invoice to client for a service I provided. The client paid the invoice on XX/XX/year>. At this point I received an automated message to verify my account by uploading a photo of my state ID. I went through the verification process and received an email stating that the verification was successful. The ACH process completed and funds were transferred to my Square account on XX/XX/year>. At this point I apparently needed to provide more information before Square would give me access to my funds. I received an automated message leading to another verification process where they asked for access to my bank account so they can review my transaction history to make a decision about releasing my funds to me. I thought this was unnecessary but I gave them the information they requested. Within a few hours later I received an email stating my account was deactivated and they would hold my money for XXXX business days before releasing it. I reached out to customer service to get no help whatsoever. Because my account is deactivated Im not entitled to customer service. This is very shady and unethical business practices on Squares end. All of the information needed for verification on Squares end should have been addressed before I was able to make a transaction on their platform. The customer shouldnt have to be punished because of a companys risk tolerance. And it should not be legal for square to make to hold or make decisions about my money. Not having access to my funds for 120 days after Ive done nothing wrong puts me in a really bad situation. This is borderline criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: SC

Complaint narrative:
After a recent review of my credit report, I noticed a fraudulent account on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trading securities on my behalf and reporting inaccurate information my credit reports without mu permission or knowledge or consent. Please remove the fraudulant account from my credit report. it is tarnishing my creditworthiness and crippling my ability to obtain credit. I have also attached a picture of my ID.

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