vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Subject : Identity Theft Deletion and Block Request Verified Data Breach My name is XXXX XXXX. I am submitting this as a formal identity theft claim and deletion request under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FACTA. 

I was a confirmed victim of the XXXX  Data Breach, verified through XXXX, which states : Our records indicate your personal information was impacted by this incident. For Assisted Identity Restoration Services, call Experian at XXXX and provide engagement number XXXX. 

This confirms my personal information was exposed and used without authorization, resulting in multiple fraudulent accounts being reported under my name. I am requesting that TransUnion delete and permanently block these unauthorized accounts from my credit file as required by federal law. 

Fraudulent Accounts to Delete : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$610.00} XXXX XXXX Acct # XXXX {$720.00} XXXX XXXX XXXX/ XXXX XXXX Acct XXXX XXXX {$250.00} XXXX XXXX XXXX/ XXXX XXXX XXXX Acct XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX {$8900.00} XXXX XXXX  ( XXXX ) Secured Card Acct # XXXX {$350.00} Under FCRA 605B, TransUnion must block and delete all information resulting from identity theft within four ( 4 ) business days after receiving proof. Reinsertion of this data is strictly prohibited without my written authorization and verified documentation.

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 2025-10-28 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ), the Fair Debt Collection Practices Act ( FDCPA 807 ( 8 ), 809 ( a ) ), and the Gramm-Leach-Bliley Act ( GLBA 501 ( b ) ), I dispute the accuracy, completeness, and verification of the following entries on my credit file dated XX/XX/XXXX. 
Disputed Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX with conflicting open/closed status and duplicate balances ; violates 607 ( b ) and 623 ( a ) ( 2 ). 
XXXX. XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) Duplicate reporting with different open dates and balances ; violates 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX XXXX XXXX delinquencies beyond reporting limit 605 ( a ) ( XXXX ). 
XXXX. XXXX XXXX XXXX No verifiable contract or assignment of debt ; violates 609 ( a ) ( 1 ). 
XXXX. XXXXXXXX XXXX XXXX Charged-off after closure and late-payment discrepancies ; violates 607 ( b ). 
XXXX. XXXX XXXX XXXX XXXX balance reported differently across bureaus ; violates 611 ( a ). 
XXXX. XXXX XXXX XXXX XXXX not documented properly ; violates 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX  XXXX ( XXXX ) Duplicate charge-off entries with identical numbers but different dates and amounts ; violates 607 ( b ) and Metro-2 reporting rules. 
XXXX. XXXX XXXX XXXX XXXX as positive by one bureau and late by another ; violates 607 ( b ). 
Unauthorized Inquiries FCRA 604 ( a ) ( 3 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entities accessed my personal data without verifiable permissible purpose, constituting a GLBA 501 ( b ) data breach.

Under 611 ( a ) ( 1 ) ( A ), please reinvestigate and remove any item that can not be verified within 30 days. Provide full copies of all supporting documentation and the permissible purpose for each inquiry under 609 ( a ) ( 1 ).

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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/XXXX I noticed a reoccurring payment of {$67.00} was erroneously taken out of my account since I paid off the FULL balance on the card. The representative requested a refund and advised it would take 10 days to process. I called on XX/XX/XXXX questioning the refund and if it was sent. The representative said yes and would take 10 days, and wasnt full 10 days. I called today ( XXXX day ) because the refund is still not in my bank account. The representative stated it was denied, and didnt have a reason. I demanded supervisor and she put my on hold then transferred me back into the queue for customer service. So had to re tell the full story to a new representative. She tried to request the refund but advised it would take 10 days, I wanted to talk to a supervisor because I already waited 10 days for a refund and didnt receive it. The supervisor stated the refund was cancelled on XX/XX/XXXX due to status of account. My account is in good standing and paid off. The representative on XX/XX/XXXX also failed to mention it was canceled. The supervisor requested another refund and denied the ability to expedite the check being mailed to me. This is horrible customer service and Ive spent hours trying to resolve it. Its my {$67.00} and I want it in my account and back to me. If I were making a payment theyd have no issue taking the money immediately, but in order to get my money back I have to go through hoops.

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 2025-10-28 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
i am signed up for a payment plan with concordia credit for my indigo mastercard that i had with them. the payment plan was agreed upon for {$11.00} each month with the stipulation that any future interest would not be charged. i set up auto pay for the account on XX/XX/year> for the amount of {$12.00} to be charged each month. I received a confirmation email of this on that same day. However on XX/XX/year>, i saw that instead of charging me the {$12.00} for autopay, i was charged an amount of {$120.00}. I reached out to Concordia Credit via phone to have this fixed. The representative advised theres nothing that could be done as the charge was already processed so i reached out to my bank to dispute it. This is very unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-28 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I called Ally Bank and requested the payoff amount in mid XX/XX/year>. They gave me the payoff amount and I overnighted a cashiers check to the address provided to me by the rep. I overnighted the cashiers check and it was returned a week later because they gave me the wrong address. Called back and they admitted to giving wrong address. Overnighted the cashiers check to the new address and it was delivered and signed by XXXX on XX/XX/year> at XXXX XXXX. I called a week later to check on status and they claimed they didn't have it yet wait between 7-10 business days. I called another week later and still it was supposed to be in process. After that I have been calling three to four times a week to check on status and nothing. Everytime I ask to speak to a supervisor ( regardless of time of day ) they claim supervisors are in meetings and they will call me back. I have given proof of delivery, check #, and amount paid and still they can not find the payment. Now they are charging XXXX payment and since the payoff included XXXX payment I am now two months late with late fees and reported to credit bureau. I need HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 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 2025-10-28 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: SC

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 2025-10-28 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:
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 2025-10-28 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:
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 2025-10-28 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: NJ

Complaint narrative:
I AM FILING THIS COMPLAINT AGAINST TRANSUNION FOR ITS FAILURE TO MAINTAIN ACCURATE CREDIT REPORTING AND FOR REPORTING AN ACCOUNT THAT IS INACCURATE, ERRONEOUS, AND DOES NOT BELONG TO ME. DESPITE MY EFFORTS TO DISPUTE THIS ITEM, TRANSUNION HAS CONTINUED TO REPORT THIS INCORRECT ACCOUNT INFORMATION IN VIOLATION OF MY CONSUMER RIGHTS UNDER FEDERAL AND STATE LAW. 

INACCURATE AND ERRONEOUS ACCOUNT THE FOLLOWING ACCOUNT IS INACCURATELY REPORTED AND DOES NOT BELONG TO ME : CREDITOR : XXXX XXXXXXXX XXXX ACCOUNT NUMBER ( PARTIAL ) : XXXX DATE OPENED : XX/XX/year> REPORTED BALANCE : {$5200.00} THIS ACCOUNT WAS NEVER AUTHORIZED, OPENED, OR MAINTAINED BY ME. TRANSUNION FAILED TO PROPERLY VERIFY THIS INFORMATION BEFORE PUBLISHING IT ON MY CONSUMER REPORT. THIS CONSTITUTES A VIOLATION OF : FCRA 607 ( B ) FAILURE TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY FCRA 611 ( A ) FAILURE TO CONDUCT A REASONABLE REINVESTIGATION AFTER DISPUTE FCRA 623 ( A ) ( 1 ) ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS OR WITH RECKLESS DISREGARD FOR ACCURACY ADDITIONALLY, THIS CONDUCT VIOLATES THE NEW JERSEY FAIR CREDIT REPORTING ACT ( N.J. STAT. 56:11-28 ET SEQ. ), WHICH MIRRORS FEDERAL PROTECTIONS FOR CONSUMERS.

VIOLATIONS ALLEGED TRANSUNION HAS VIOLATED MULTIPLE SECTIONS OF THE FAIR CREDIT REPORTING ACT AND NEW JERSEY STATE LAW, INCLUDING BUT NOT LIMITED TO : 15 U.S.C. 1681E ( B ) FAILURE TO ASSURE MAXIMUM ACCURACY 15 U.S.C. 1681I ( A ) FAILURE TO PROPERLY REINVESTIGATE DISPUTED INFORMATION 15 U.S.C. 1681N & 1681O WILLFUL AND NEGLIGENT NONCOMPLIANCE N.J. STAT. 56:11-33 & 56:11-35 FAILURE TO MAINTAIN ACCURACY AND PREVENT UNAUTHORIZED DISCLOSURE

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 2025-10-28 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-10-28 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My personal information was leaked out in a scam and on a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
it started XX/XX/XXXX and went into XX/XX/XXXX I was scammed online for a total of {$1200.00} and I filed multiple disputes but no one is responding to any calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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