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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 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 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 XXXXXX/XX/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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
Western Union has the most evil customer service on Earth and don't need to be in business. Western Union Debt Resolutio
n {$2.00} XXXX dollars multiplied by XXXX subtract XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX {$170.00} XXXX dollars multiplied by XXXX subtract XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: IN

Complaint narrative:
I am filing a complaint regarding a charged-off auto loan that XXXX enrolled me into a payment arrangement for. 

Their online system displayed the following : XXXX enrolled in the following plan : 1 monthly payments of {$250.00}. 

The dashboard showed : Only XXXX scheduled payment The payment of {$250.00} due on XX/XX/year> No future payments listed No remaining balance No disclosures stating that additional payments were required No payment schedule No notice that the {$250.00} was a partial payment I paid the {$250.00} as shown in the system, and the payment was accepted. 

Under the written terms provided by XXXX own system, the agreement constituted a single-payment settlement. There was no written indication that multiple payments or a remaining balance existed. 

This constitutes : Misrepresentation or deceptive presentation of payment terms Failure to provide clear payment schedule disclosures Violation of the FDCPA ( Fair Debt Collection Practices Act ) Breach of contract principles, including accord & satisfaction Post-payment alteration of terms ( if they attempt to claim more is owed ) The company is now attempting to imply that further payments XXXX be owed, despite the system showing a one-payment plan and accepting the payment.

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: MD

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 ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In XX/XX/year>, I made a large standard-interest purchase from XXXX ( XXXX transactions totaling approximately {$1300.00} ). These transactions were not under any promotional financing plan and would accrue interest unless paid in full by the statement due date. 

On XX/XX/year>, I made a payment of {$1300.00} specifically to avoid all interest on the XXXX purchases. My XXXX statement listed an amount to avoid interest that matched these XXXX charges. However, the payment was not applied to them. Instead, it was applied to a promotional no interest if paid in full XXXX XXXX purchase that was not due until XX/XX/year>. 

This is a misallocation of payment. Under federal law and XXXX own cardholder terms, payments above the minimum due must be applied first to the highest-APR balances. In my case, that highest-APR balance was the XXXX purchase. Misapplying my payment placed me at risk of being charged interest on a balance I paid in full and on time. 

I contacted XXXX XXXX. Both representatives confirmed the payment was applied incorrectly and said they would submit a request to reallocate it. Neither representative could correct it directly, provide a case number, or confirm the correction would be completed before interest is added. 

I am requesting : XXXX. Full correction and proper reallocation of my payment. 
XXXX. Written confirmation that no interest will be charged on the XXXX balance. 
XXXX. An explanation of how this occurred and why it could not be corrected at the time of my call.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am disputing the following accounts listed on my Experian credit report. These accounts have been reported incorrectly and require investigation. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am a victim of identity theft and would like all accounts associated with such 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 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 a victim of identity theft and would like all accounts associated with such removed.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and would like all accounts associated with such 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for refusing to perform a lawful investigation into my disputes. Instead of verifying anything, Experian sent me a generic stall letter stating : We received a recent request regarding your credit information that does not appear to have been sent directly from you or to be authorized by you. As a precautionary measure This letter is completely inaccurate. 
I sent the dispute. 
I initiated the investigation. 
Nothing was unauthorized. 
This is a stall tactic that Experian uses to delay the process and avoid conducting the investigation required under the law. 
Under FCRA 611 ( a ) ( 1 ) ( A ), the credit bureau must conduct a reasonable investigation once a consumer submits a dispute. 
This stall letter is not an investigation and does not pause, reset, or extend the XXXX statutory deadline. 
Under FCRA 611 ( a ) ( 5 ) ( A ), any item that can not be verified within XXXX  days must be deleted. 
Experian does not have the authority to grant itself more time by sending a security precaution letter. 
Under FCRA 607 ( b ), Experian must maintain maximum possible accuracy, which includes correcting or deleting any item that can not be verified.

Under FCRA 623 ( b ), Experian must contact the furnisher and obtain actual documentation not send form letters.

Under Metro 2 standards, Experian must correct inaccurate or unverifiable data and complete a factual investigation. 
XXXX letter gave no proof, no verification, no documentation, and no investigation results. This was purely an attempt to delay the dispute process. 

I requested full verification of the disputed items actual documentation from the furnishers showing payment history, account records, and all data Experian used to deem the accounts accurate. 
Experian provided none of the required information and instead sent a precaution letter claiming the dispute did not appear to come from me, which is false.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> a Consumer Dispute Affidavit was mailed to XXXX XXXX XXXX to rectify this credit reporting violation on 15 USC 1692e.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year> a Consumer Dispute Affidavit was mailed to XXXX XXXX XXXX to rectify this credit reporting violation on 15 USC 1692e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: VA

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 2025-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute regarding multiple inaccuracies on my Experian credit report. The items in question are listed below : Previous Address Please review and update my address history for accuracy. 

XXXX Accounts XXXX, Account XXXX XXXXXXXX, XX/XX/XXXX I dispute the status of this account as charged-off. Kindly verify and provide supporting documentation. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute these inquiries and request verification that they are authorized and accurate. 

Late Payments XXXX Account XXXX XXXXXXXX I dispute the reported late payments. Please verify and correct any errors.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is a formal escalation regarding my original complaint filed on XX/XX/year>, against TransUnion LLC, CFPB Complaint ID XXXX. 
As of XX/XX/year>, it has been over XXXX days, and the company has failed to complete its investigation or provide written results as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) and 12 C.F.R. 1022.43 ( e ) ( 1 ) of Regulation V.

These laws require a consumer reporting agency to complete a reasonable reinvestigation and provide written results within XXXX  days of receiving notice of a dispute. An extension of up to XXXX  days may only be granted if the consumer submits additional information within the XXXX period which did not occur in this case. 
XXXX continued XXXX response in progress status violates federal law and CFPB oversight timelines. I am requesting CFPB enforcement action to ensure compliance, completion of the reinvestigation, and deletion of all unverifiable or inaccurate information from my credit report pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

I have attached my formal escalation letter documenting this violation and requesting immediate corrective action.

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: Experian Information Solutions Inc.
State: NJ

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 XXXX  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 XXXX is 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am also disputing the following items reported by TransUnion. These accounts and inquiries appear inaccurate or unverifiable. 

Charged-Off Accounts XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$8100.00} XXXX XXXX  ( XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$4800.00} Reason for Dispute : Both accounts show charge-off status and balances that appear inconsistent or unverifiable. I request that TransUnion provide validation from the furnishers or remove these accounts if they can not be verified in full compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Dated XX/XX/XXXX Reason for Dispute : I do not recognize this inquiry and believe it may have been made without authorization. Please verify its legitimacy or remove it from my report.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Multiple derogatory accounts are appearing on my credit reports that I believe were added or verified without proper documentation or lawful authorization. Specifically, several Navy Federal Credit Union and XXXX XXXX accounts are reported as charge-offs or collections with nearly identical details, closing dates, and past-due amounts. These entries appear to be duplicated and inconsistent across the three major credit bureaus. 

For example, XXXX lists two separate Navy Federal Credit Union accounts showing similar charge-off balances and the same closing date. XXXX shows two more Navy Federal Credit Union charge-offs with identical balances and an unusually high number of late-payment entries. XXXX  reports a XXXX XXXX charge-off that does not appear on the other bureaus. The conflicting data among bureaus indicates inaccurate and inconsistent reporting. 

I filed disputes with the credit bureaus requesting validation of these accounts, including the original signed agreements and account histories. However, each bureau marked the items as verified without producing any documentation or explaining the verification method. The responses appear to rely on automated XXXX  confirmations from the furnishers rather than an actual review of the underlying records. 

Because the bureaus and furnishers have not provided original documentation, account contracts, or a clear chain of ownership, I believe these accounts remain unverified and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The repeated reporting of duplicate or unverifiable charge-offs has caused harm to my credit rating and does not reflect accurate information. 

I am requesting that the credit bureaus conduct a full procedural reinvestigation, provide the method of verification, and delete or correct any accounts that can not be validated with original documentation as required by federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
My son is XXXX XXXX XXXX XXXX 

A recent Parent Plus disbursement, # XXXX, on XX/XX/XXXX was immediately placed in repayment status with a payment due on XX/XX/XXXX. 

I believe this is incorrect. 

My son is XXXX XXXX XXXX through XX/XX/XXXX. The loan status should be XXXX XXXX XXXX XXXX  '' as evidenced by the first two loans, see attached.

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Take a look at the materials sent ; the inquiries came unexpectedly and might be unapproved.

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