vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: GA

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 2025-12-26 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-26 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I executed a Retail Installment Sales Contract that discloses a security interest only in favor of the originating dealer. The contract does not disclose that Ally Financial has or will acquire a security interest, nor does it identify Ally as a secured creditor. Under 15 U.S.C. 1638 ( a ) ( 9 ) and Regulation Z, 12 C.F.R. 1026.18 ( m ), any secured creditor must be disclosed at consummation.

Despite this, Ally has asserted repossession authority and maintained an open repossession order. I provided Ally a written dispute identifying the disclosure defects and requesting mitigation, yet enforcement activity remains open during regulatory review. Payments were demanded and collected under the asserted authority of a security interest that was never disclosed or consented to. The account is also being reported to consumer reporting agencies in a manner that is disputed and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
To Whom It May Concern, I am writing to formally demand that you cease and desist immediately from any further reporting, furnishing, or communication regarding the bankruptcy information and the XXXX XXXX account currently appearing on my consumer credit reports. 

While a bankruptcy may be a matter of public record, the United States Bankruptcy Court does not furnish information to consumer reporting agencies. Any bankruptcy data reported was improperly obtained from XXXX, which is not a permissible source for consumer credit reporting, and was placed on my credit file without my authorization. 

Additionally, the XXXX XXXX account being reported is not mine and is the result of identity theft. I dispute this account in its entirety. You are hereby notified that continued reporting or communication regarding this disputed account constitutes unlawful collection activity. 

Pursuant to 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1681, you are instructed to : 1. Cease all communication with me regarding these matters, and 2. Immediately delete all inaccurate, unauthorized, and fraudulent information from my credit reports. 

Failure to comply will leave me no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and seeking legal relief. 

This letter serves as notice only and is not a refusal to cooperate, but a lawful demand for compliance. 

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 2025-12-26 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:
To Whom It May Concern, I am writing to formally demand that you cease and desist immediately from any further reporting, furnishing, or communication regarding the bankruptcy information and the XXXX XXXX account currently appearing on my consumer credit reports. 

While a bankruptcy may be a matter of public record, the United States Bankruptcy Court does not furnish information to consumer reporting agencies. Any bankruptcy data reported was improperly obtained from XXXX, which is not a permissible source for consumer credit reporting, and was placed on my credit file without my authorization. 

Additionally, the XXXX XXXX account being reported is not mine and is the result of identity theft. I dispute this account in its entirety. You are hereby notified that continued reporting or communication regarding this disputed account constitutes unlawful collection activity. 

Pursuant to 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1681, you are instructed to : 1. Cease all communication with me regarding these matters, and 2. Immediately delete all inaccurate, unauthorized, and fraudulent information from my credit reports. 

Failure to comply will leave me no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and seeking legal relief. 

This letter serves as notice only and is not a refusal to cooperate, but a lawful demand for compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NY

Complaint narrative:
Issue : Promotion Bonus not received Company : Netspend Corporation XXXX address associated with my Netspend account : XXXX Complaint : On XX/XX/year>, I signed up for the promotional offer on the Netspend website : https : XXXX. The promotion clearly stated that I would receive a {$100.00} bonus after signing up for a Netspend debit account and receiving a direct deposit of {$400.00}. I completed all the required steps on XX/XX/year>. According to the terms on the offer page, the {$100.00} bonus was supposed to be credited to my account within XXXX business days, which would have been by XX/XX/year>. I contacted customer service, and they confirmed that I fulfilled the requirement and should receive the {$100.00} bonus. However, it is now XX/XX/year>, and I still have not received the {$100.00} bonus. In addition, customer service has not followed up regarding this issue. I have attached supporting documents, including : Screenshots and a PDF file of the promotional offer page Confirmation from customer service regarding eligibility and timeline. Requested resolution : I am requesting that Netspend immediately credits the {$100.00} bonus to my account as originally promised under the terms of their promotion. Thank you for your assistance in resolving 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 explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am a victim of identity theft. I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). 

The accounts currently reporting on my credit file are the result of identity theft and do not belong to me. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting an immediate block and deletion of all fraudulent accounts associated with this identity theft. 

Please investigate and provide written confirmation once the fraudulent information has been permanently removed from my credit report. 

FTC Identity Theft Report Case 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 2025-12-26 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MA

Complaint narrative:
In late XX/XX/year>, I contacted my bank regarding XXXX XXXX purchases made on my XXXX XXXX account. Due to a misunderstanding, the purchases were mistakenly reported as unauthorized. As a result of the fraud chargebacks, the merchant terminated my childs account. After realizing the error, I contacted the bank multiple times to clarify that the charges were authorized and to request that the fraud dispute be corrected and the charges reversed back to the merchant. 

Over the course of at least 20 phone calls from late XXXX through XX/XX/year>, I received inconsistent and conflicting information from bank representatives. One representative stated that the charges would be reversed and that a confirmation letter would be sent, but no reversal or letter was ever received. On later calls, representatives gave contradictory answers about whether the dispute was closed, not closed, or canceled. 

Despite clearly notifying the bank that the fraud claim was reported in error, the bank ultimately refused to reverse, correct, or escalate the dispute, stating only that the case was closed. No clear written explanation was provided, and the meaning of the case being described as canceled was never clarified. The inconsistent guidance prevented timely correction of the error and resulted in third-party consequences. 

I am requesting a review of how this corrected fraud dispute was handled and an explanation of why corrective action was not taken after the error was reported.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am submitting this complaint against TransUnion LLC for failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to investigate a valid and properly submitted credit dispute. 

Summary of the Issue I submitted a written credit dispute to TransUnion identifying inaccurate and/or unverifiable information appearing on my consumer credit report. My dispute included sufficient identifying information to locate my consumer file and clearly identified the account ( s ) in dispute and the nature of the inaccuracies. 

On XX/XX/year>, TransUnion responded by mail claiming my dispute was incomplete and stating that it could not conduct an investigation. A copy of this letter and the original envelope are attached. 
TransUnions refusal is improper and violates federal law.

Why TransUnion Is in Violation of the FCRA Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), once a consumer submits a dispute with reasonable specificity, a consumer reporting agency is required to conduct a reasonable reinvestigation.

TransUnions response confirms : My identity was verified My consumer file was accessed A decision was made to respond rather than investigate Despite this, TransUnion failed to conduct any reinvestigation and instead issued a generic insufficient information letter while attempting to redirect me to online dispute tools. 

The FCRA does not require consumers to dispute online, by phone, or in any particular format.

If TransUnion intended to treat my dispute as frivolous or irrelevant under 1681i ( a ) ( 3 ), it failed to meet the statutory requirements, which mandate that the bureau : Specifically identify what information was missing, and Explain why the dispute could not be investigated TransUnion did neither. 

Harm to the Consumer As a result of TransUnions refusal : Inaccurate information remains on my credit report My creditworthiness has been negatively impacted I have been forced to expend additional time and resources to enforce my rights This appears to be a stalling tactic designed to avoid initiating the 30-day investigation period required by 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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-27 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-26 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MD

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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: WA

Complaint narrative:
On XX/XX/year> I placed an order on XXXX using XXXX. Through XXXX I used my Money Lion XXXX ending in XXXX. Immediately after placing the order, I cancelled it because I do not mean for the order to be placed. The total was {$600.00} Both XXXX AND XXXX have confirmed that the refund was issued back to my Money Lion Account however I received a refund in the amount of {$130.00} And the remaining {$470.00} is not in my account and when I ask Money Lion about the XXXX  they claim they have no transactions in that amount. I have transaction numbers from both XXXX and XXXX for the refund. Money Lion refuses to give me that money back and will not take me seriously even though I have provided proof of all transactions involved. I JUST want my money. But according to them its just gone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation