vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-11-13 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: GA

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. These accounts are incorrectly reported and should be corrected or removed : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$1600.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$2600.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$990.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$0.00} I am disputing the late payment reporting for the account with XXXX. The reported late payment is inaccurate and should be corrected or removed : XXXX, Account XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CIG FINANCIAL LLC
State: OH

Complaint narrative:
They have been calling from a private number. Today at XXXX they left a voice mail telling me I need to be home between XXXX and XXXX to sign paperwork or they would come to my job. When I called back they refused to tell me who they were calling from unless I verified who I was. I refused to verify anything because I do not know who I am talking to. She finally said CIG. I do not know who the original creditor was as I have no received any mail from any creditors about owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year> I noticed a charge of {$20.00} on my USAA Visa credit card for an expedited shipment. I contacted USAA and was told that the charge was for shipment of convenience checks to an address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. That was not my address. I reported that to USAA and they refunded the {$20.00}, and cancelled my credit card and the convenience checks. They then issued a new credit card and said that I would get it in 10 days. However USAA sent it to the XXXX address. This happened XXXX more times before USAA finally sent the new cards to my home address. I contacted the fraud department at USAA for an explanation of how this happened and they said someone did this online, they said they had opened an investigation but never told me the results. In XXXX they sent me a check for {$320.00} for the inconvenience. I thought the issue was settled until I received i fraud alert from XXXX  and XXXX that my Social Security Number was found on the web associated with the XXXX address and recommended that I setup a fraud alert on the XXXX credit services : XXXX XXXX XXXX XXXX. I did that and also filed an identity fraud alert with the XXXX  XXXX Police fraud department.

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 2025-11-13 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-13 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: MI

Complaint narrative:
Assure that disputed accounts are taken off within the time the law permits.

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 2025-11-13 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: TN

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 2025-11-13 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: OH

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
According to the law at least {$270.00} must be releast for use by the next business day after a check deposit has been made. This is not the case with a {$1500.00} deposit ( mobile ) that I made XXXX days ago. They are withholding my entire deposit

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 monetary relief
Consumer complaint received 2025-11-13 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: AZ

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 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S BANKRUPTCY COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-13 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: VA

Complaint narrative:
I am disputing the following information with TransUnion as it may be inaccurate or incomplete : Disputed Accounts : CHARGED OFF : None listed. 

INQUIRIES : XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX, XX/XX/year> POSITIVE : None listed. 

LATE PAYMENTS : 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 2025-11-13 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

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 non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. These accounts are incorrectly reported and should be corrected or removed : XXXX XXXX XXXX XXXX, Account No : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account No : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account No : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiries on my Equifax credit report. These inquiries are incorrect and should be removed : XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX MORTGAGE, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment : I am disputing the late payment reporting for the following accounts. The reported late payments are inaccurate and should be corrected or removed : XXXX, Account No : XXXX XXXX, Account No XXXX XXXX XXXX, Account No : XXXX XXXX, Account No : XXXX XXXX, Account No : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.s negligent and unlawful reporting practices.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
THE INFORMATION PROVIDED IS MISREPRESENTED AND DAMAGING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Over the past XXXX years, I have been a victim of identity theft. I have attempted to dispute these inquires with XXXX, who has failed to protect my account. I disputed the inquiries below, with XXXX, and within less than XXXX hours they failed to properly investigate my consumer account and denied my claim. This is an injustice to me as a consumer, and in turn, has caused me severe financial hardship : XX/XX/year> ALLY FINANCIAL XX/XX/year> XXXX XXXX XXXX XX/XX/year> ALLY FINANCIAL XX/XX/year> XXXX  SAVINGS AND LOAN XX/XX/year> XXXX  FINANCE XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX TX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am following up on my disputes concerning XXXX tradelines reported by XXXX XXXX XXXX XXXX account numbers listed as XXXX in your portal ). While you marked these items as updated, the furnisher, XXXX, has not provided adequate verification as required by the Fair Credit Reporting Act. 

* * Deficiencies in the Furnishers Verification : * * 1. There is no chain of title or assignment from XXXX demonstrating the accounts legal status at transfer, nor does it show XXXX authority post-payoff.

2. A complete transactional ledger, including disbursements, payments, interest, capitalization, and adjustments from the date XXXX reported a {$0.00} balance forward, has not been provided.

3. There is no reconciliation explaining how any current principal can exist after XXXX documented posting of a {$0.00} balance. A generic Master Promissory Note does not verify a balance post-payoff. 

4. The late-payment grid reflecting XXXX days was reported while the account was actively disputed and after the previous servicer reported a {$0.00} posting. This makes those derogatory entries inaccurate or unverified.


5. Reporting of Prior Credit History of another agency as their own. 6. Failure to respo
nd within thirty days of the original dispute with the required information.

7. Failure to remove derogatory information from my credit report even after providing sufficient proof of payment of the debt. 

* * Method of Verification Requested ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : * * Please provide a detailed description of the procedures used in your reinvestigation, including : - The specific records that XXXX provided to each credit bureau for their investigation. 
- The name, address, and telephone number of the furnisher who supplied those records. 
- Identification of any documents reviewed, such as the assignment/transfer instrument, a complete ledger through payoff, and a reconciliation supporting any claimed balance. 

Sincerely, XXXX XXXXXXXX XXXX XXXX  Attachments ( available upon request or previously submitted ) : XXXX XXXX XXXX XXXXXXXX documentation showing a {$0.00} balance ( payoff/satisfaction ). 
- XXXX correspondence and CFPB response ( indicating lack of ledger, assignment, and reconciliation ).

- Prior disputes and current Experian screenshots reflecting the updated status and late-payment grid.

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