vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-22 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: NC

Complaint narrative:
I kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

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 2025-12-22 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing to formally dispute XXXX or more hard inquiries that appear on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681. Under the Fair Credit Reporting Act Section 604 a consumer reporting agency may only report a credit inquiry if it was made with a permissible purpose. Permissible purposes include a transaction initiated by the consumer or written authorization provided by the consumer. I did not authorize this inquiry nor did I initiate any transaction that would allow permissible access to my consumer report. Additionally under Fair Credit Reporting Act Section 611 you are required to conduct a reasonable investigation into disputed information and remove any information that can not be verified as accurate complete and authorized. At this time I am requesting that you investigate this hard inquiry and provide documentation showing my written authorization or other proof of permissible purpose. If you are unable to provide such proof the inquiry must be deleted from my credit report immediately. Please complete your investigation within the time period required by law and provide written confirmation of the results. Failure to remove unauthorized inquiries constitutes a violation of federal consumer protection law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MO

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 2025-12-22 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: GA

Complaint narrative:
After looking through my credit file I realized there is a few inquires hat do not belong to me

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 2025-12-23 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: NJ

Complaint narrative:
I am submitting this complaint to request assistance regarding inaccurate and unverifiable information that is currently being reported on my consumer credit report by TransUnion. After reviewing my credit file, I identified information that does not belong to me or is being reported inaccurately, and despite my right to accurate reporting under the Fair Credit Reporting Act, these issues remain unresolved. 
TransUnion is reporting an address listed as XXXX XXXX, XXXX, XXXX XXXXXXXX, which is not my address. I have no knowledge of this address, I have never lived at this location, and it is not associated with me in any manner. The continued reporting of this address is inaccurate and improper. I am requesting that this address be deleted from my TransUnion credit file immediately. 
TransUnion is also reporting an account from XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX with a reported open date of XX/XX/XXXX, a balance owed of {$670.00}, and a status of charge-off. I have no knowledge of this account, I do not recognize it as mine, and I did not open or authorize this account. Since this account is not mine, it can not be accurately attributed to my credit file. I am requesting that a proper investigation be conducted and that this account be deleted if it can not be verified as belonging to me. 
Additionally, TransUnion is reporting an account from XXXX, account number ending in XXXX XXXX, opened on XX/XX/XXXX, with a reported balance of {$0.00}, showing late payment history. The late payment reporting on this account is inaccurate. I am disputing the accuracy of the late payment history only and am requesting correction of the payment history to reflect accurate and verifiable information. This request does not seek deletion of the account itself, only correction of the inaccurate late payment reporting. 
I am requesting that the Consumer Financial Protection Bureau require TransUnion to conduct a lawful and reasonable reinvestigation of the disputed items and to correct or delete any information that can not be verified as accurate. I also request written confirmation of the results of this reinvestigation and an updated copy of my credit report reflecting the appropriate corrections.

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 2025-12-22 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:
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 2025-12-22 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am writing to formally dispute XXXX or more hard inquiries that appear on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681. Under the Fair Credit Reporting Act Section 604 a consumer reporting agency may only report a credit inquiry if it was made with a permissible purpose. Permissible purposes include a transaction initiated by the consumer or written authorization provided by the consumer. I did not authorize this inquiry nor did I initiate any transaction that would allow permissible access to my consumer report. Additionally under Fair Credit Reporting Act Section 611 you are required to conduct a reasonable investigation into disputed information and remove any information that can not be verified as accurate complete and authorized. At this time I am requesting that you investigate this hard inquiry and provide documentation showing my written authorization or other proof of permissible purpose. If you are unable to provide such proof the inquiry must be deleted from my credit report immediately. Please complete your investigation within the time period required by law and provide written confirmation of the results. Failure to remove unauthorized inquiries constitutes a violation of federal consumer protection law. Thank you for your prompt attention to 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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SLM CORPORATION
State: GA

Complaint narrative:
I applied as a cosigner for a Sallie Mae Smart Option Student Loan on or about XX/XX/2025. Sallie Mae denied my application and issued an Adverse Action Notice listing reasons such as no account reported, worst ever delinquent or derogatory status, inquiry volume, and mortgage account factors. 

These reasons are vague, inconsistent, and not reflective of my actual credit profile, which showed a TransUnion credit score of approximately XXXX at the time of application. The notice did not identify any specific account, creditor, date, balance, or derogatory event supporting the denial. 

I raised these concerns with Sallie Mae. In response, the company stated that decisions are based on automated lending criteria and that the credit inquiry is valid and can not be removed. This response does not address the core issue : failure to provide specific, accurate, and verifiable reasons for adverse action, as required by federal law. 

Automated underwriting does not exempt creditors from compliance with disclosure obligations under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B, nor does it excuse failures under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ) when a credit score is used. 

Additionally, the lack of meaningful disclosure violates the XXXX XXXX XXXX XXXX, 12 CFR 360.62 ( misleading or incomplete financial decision disclosures ), and raises concerns under 17 CFR 260.11 ( b ) ( 1 ) regarding material omissions in financial communications. 

Harm Denial of my ability to serve as a cosigner Inability to understand or correct the alleged basis for denial Exposure to adverse credit treatment without lawful disclosure Requested Resolution Written confirmation that my cosigner application is withdrawn and voided, with confirmation that no adverse reporting beyond the inquiry has occurred Full disclosure of all information, reports, scoring models, and criteria used in evaluating my application Confirmation of XXXX XXXX compliance with XXXX, FCRA, XXXX, and applicable federal regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX and the reporting of a ChexSystems entry that is unfairly damaging my ability to open bank accounts. 

I have been a loyal XXXX XXXX XXXXXXXX customer for approximately 18 years. In 2024, during a period of financial hardship, XXXX of my checking accounts became negative. Before any permanent loss occurred to the bank, XXXX XXXX XXXXXXXX internally recovered the full negative balance by withdrawing the funds from my other XXXX XXXX XXXXXXXX account. The account balance was fully paid and satisfied. 

Despite thisXXXX XXXX XXXX XXXXXXXX reported the account to ChexSystems as Account Abuse / Charge Off with a balance of {$670.00}, later updated to Paid in Full. This negative designation is now causing me to be denied bank accounts, including most recently with XXXX Bank, and previously with other financial institutions. It is blocking my ability to maintain normal banking access even though Bank XXXX XXXX suffered no loss and the account is fully resolved. 

I am requesting that XXXX XXXX XXXXXXXX remove this ChexSystems entry entirely as a matter of fairness, accuracy, and consumer impact. The account is not unpaid, fraudulent, or currently negative. There is no ongoing risk to the bank. Leaving this derogatory remark in place for up to XXXX years is punitive and unjust given that the debt was satisfied using my own funds from another XXXX XXXX XXXXXXXX account. 

I am asking the CFPB to assist in getting XXXX XXXX XXXXXXXX to delete this ChexSystems reporting or otherwise correct it so that it does not continue to block me from accessing basic banking services. 

Thank you.

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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
So I applied for loan on line. I gave information needed to deposit monies into account. Funds got redirected and now Chase has cancelled/closed my account. Unfortunately the fraudulent lender gained enough access to redirect funding from back in XXXX of this year ( I'M JUST FINDING THIS OUT TODAY ). That created another issue with XXXX XXXX and now that account has also been closed. I admit I was a bit naive with on line lenders. But I explained to XXXX XXXX, my account was compromised which created this chaos. As I also explained to Chase on Saturday, this wasn't me taking money or submitting any checks. According to Chase records, it was all done on line. How I know that much, because talking with the banker, they gave me a view of what the checks were. As it stands now, I might potentially be blacklisted from banking institutions, over an innocent attempt to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC
State: VA

Complaint narrative:
On today, XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX XXXX XXXX regarding a debt originally related to XXXX XXXX XXXX XXXX XXXX ). The representative used extreme high-pressure tactics, stating that tomorrow my account would be open and a " opening a claim '' and would " that I could be sued '' if I did not make an immediate payment or have my wages garnished.The representative mentioned that the account was from XX/XX/XXXX. Since this debt is over XXXX years old, I believe it is past the statute of limitations in my state, making their threat to " sue me '' or " garnish my wages '' an even more severe violation of the FDCPA. 
When I asked for the total amount of the debt and written documentation/validation, the collector refused to provide it, stating they would not provide a full amount, but I could call for it later. Because I was so scared by the threat of being sued the following day, I felt forced to make an immediate payment of {$160.00} ( which consisted of a {$150.00} payment plus a {$9.00} convenience fee ). 
I believe this is a violation of the FDCPA because : The collector threatened legal action ( " suing me '' ) that they did not intend to take or could not legally take at that moment. 
The collector failed to provide the required debt validation information. 
The original company ( XXXX ) is in bankruptcy and failed to provide the services I was paying for, meaning the debt itself is in dispute due to breach of contract. 
I have a receipt for this transaction ( XXXX XXXX XXXX ) and am requesting a full refund of this payment and for the company to cease and desist all collection activities until they provide written validation of the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year> my checking account at PNC was closed due to an overdraft balance of approximately {$200.00}. On XX/XX/XXXX, my employer sent my paycheck to the closed account at PNC for an amount of approximately {$4300.00}. I spoke with customer support on XX/XX/XXXX and they informed me that PNC was going to deduct the overdraft balance from the paycheck received and mail me a physical check for the remaining balance. 

The following Monday, I spoke with PNC customer service to check the status of the check that was going to be mailed, and customer service informed me that the {$4300.00} was actually just going to be sent back to my payroll. I also went into a physical PNC branch in order to figure out what was going to happen due to conflicting info, and they informed me after speaking with their team over the phone that they have no idea whats going to happen with the money, however it posted to the closed account and the funds are being held. 

I followed up with customer support on the evening of XX/XX/year> and they informed me that I would have to call back Wednesday in order to follow up about how the funds were going to be sent, when they might be sent, and if any amount was going to be deducted. As of right now, I currently have no information as to when the {$4300.00} or so will be returned to me. PNC stated that this process can take anywhere from 7-10 business days and that no timeline can be given as to when I may receive my funds back.

Company response to consumer: Closed with explanation