vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> TO : Department of Education XXXX XXXX XXXX, XXXX XXXX RE : Formal Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion Account # XXXX To Whom It May Concern, This letter serves as a formal dispute of the account referenced above, which you are reporting to consumer credit reporting agencies under my name.

I am requesting immediate investigation and deletion of all related records being reported to any and all consumer reporting agencies ( CRAs ), including but not limited to Experian, Equifax, and TransUnion. The information reported is inaccurate, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are legally required to ensure all information reported is accurate and verifiable. 

To date, you have not provided any valid documentation substantiating the debt or verifying its accuracy as reported. Until such time as complete and verified documentation is provided, any continued reporting of this account constitutes a violation of federal law. 

Accordingly, I demand the following : Immediate cease and desist of all collection efforts regarding this account.

Immediate deletion of this account from all credit reporting agencies.

Written confirmation that all negative information reported by your agency has been deleted from all consumer reports. 

If you fail to comply, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and may pursue legal action for damages caused by inaccurate credit reporting and violations of my consumer rights.

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 2025-07-03 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: TX

Complaint narrative:
I didn't not open this account. I've submitted several FTC reports for each unauthorized account. They still have not deleted all information I have contacted all bureaus, and they have not removed. I have been sending disputes and documentation for over 9 months now. There are new inquiries as recent as XX/XX/year> that has been on my report. I have called each individual business, and they have told me to refer back to TransUnion when I did TransUnion told me to call the companies i have been getting a back and forth for months

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 2025-07-03 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXXXXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MO

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 " XXXX XXXX XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US 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 : 1. 2. 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 2025-07-03 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: MO

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 " XXXX XXXX XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US 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 : 1. 2. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, Navy Federal Credit Union refused to furnish me with a refund for expenses lost following, a VA mortgage application. Specifically, a {$1600.00} Bank Wire Transfer XXXX XXXX XXXX XXXX. If possible would you please help me recover all funds associated with this VA Mortgage Submission? 

Concerned XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account XXXX from Global Solutions LLC. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete the account as soon as possibile from my Credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-07-03 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 discovered multiple unauthorized inquiries on my credit report that I never initiated, consented to, or authorized. These include hard inquiries from 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, and XXXX XXXX. I never applied for credit with any of these entities, and no accounts were opened from their access. 

In addition, XXXX XXXX is reporting a charged-off account I do not recognize. No contract, application, billing history, or proof of debt has ever been provided. This account is inconsistent across the bureaus and appears only on TransUnion and Experianproving it's unverifiable and fails the requirement of maximum possible accuracy under the FCRA. 

I am also seeing personal information such as outdated addresses, names I have never legally used, and false employment history. These identifiers are not only incorrectthey are being used to validate inaccurate accounts and inquiries. 

The credit bureau is stalling my dispute, ignoring my right to submit legally valid letters ( even when assisted by a credit advocate ), and violating my rights under FCRA 1681e ( b ), 1681b, 1681i, 609 ( a ) ( 1 ), and 1681n for willful noncompliance.

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 2025-07-03 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: NY

Complaint narrative:
I discovered multiple unauthorized inquiries on my credit report that I never initiated, consented to, or authorized. These include hard inquiries from 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, and XXXX XXXX. I never applied for credit with any of these entities, and no accounts were opened from their access. 

In addition, XXXX XXXX is reporting a charged-off account I do not recognize. No contract, application, billing history, or proof of debt has ever been provided. This account is inconsistent across the bureaus and appears only on TransUnion and Experianproving it's unverifiable and fails the requirement of maximum possible accuracy under the FCRA. 

I am also seeing personal information such as outdated addresses, names I have never legally used, and false employment history. These identifiers are not only incorrectthey are being used to validate inaccurate accounts and inquiries. 

The credit bureau is stalling my dispute, ignoring my right to submit legally valid letters ( even when assisted by a credit advocate ), and violating my rights under FCRA 1681e ( b ), 1681b, 1681i, 609 ( a ) ( 1 ), and 1681n for willful noncompliance.

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 2025-07-03 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} 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 Date Opened : XX/XX/XXXX, Balance : {$950.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I am exercising my rights as a consumer and identity theft victim to request that XXXX, Equifax, XXXX  block and remove all fraudulent account information that resulted from this crime. 
The following accounts must be removed 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 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 not have the authority to determine the validity of my identity theft claimthat determination belongs to law enforcement, and I have already obtained confirmation of this crime. You are required to block and remove the accounts in question from my credit file within 4 business days of receiving this request and accompanying police report, as mandated by federal law.

Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you must : Block the fraudulent accounts from my credit report within 4 business days.

Not report the accounts to any third party. 
Notify the furnishers of the fraudulent data ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX ) of the block. 
Please confirm in writing once these accounts have been removed. I expect XXXX  to fully comply with federal law and fulfill its responsibility to protect consumers from the damage of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I am exercising my rights as a consumer and identity theft victim to request that XXXX XXXX Transunion block and remove all fraudulent account information that resulted from this crime. 
The following accounts must be removed 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 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 transunion does not have the authority to determine the validity of my identity theft claimthat determination belongs to law enforcement, and I have already obtained confirmation of this crime. You are required to block and remove the accounts in question from my credit file within 4 business days of receiving this request and accompanying police report, as mandated by federal law. 
Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you must : Block the fraudulent accounts from my credit report within 4 business days.

Not report the accounts to any third party. 
Notify the furnishers of the fraudulent data ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the block. 
Please confirm in writing once these accounts have been removed. I expect XXXX  to fully comply with federal law and fulfill its responsibility to protect consumers from the damage of identity theft.

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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased an item XXXX XXXX XXXX from XXXX on XX/XX/year> using an advertised 0 % APR monthly payment for 24 months through payments with Affirm. The price of the item is {$490.00}, with tax the adjusted price is ~ {$540.00}, it came to my attention that the total cost to pay over time with affirm is {$770.00}, a {$230.00} difference, that is almost 30 % interest compared to the advertised 0 %. I went to check the contract and it is stated that there is a 0 % APR, to my knowledge this is inflated principal and violates the TILA. Thank you.

Company response to consumer: Closed with explanation