vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
This is a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ). I submitted a lawful Method of Verification ( MOV ) request via certified mail following the conclusion of TransUnions reinvestigation of a disputed tradeline.

As of today, 15 business days later, I have received no proper response or documentation from TransUnion. Instead of fulfilling my lawful request for the Method of Verification, TransUnion treated my request as a new dispute. This improper relabeling of my MOV request has caused delays and confusion.

I also filed a CFPB complaint over 15 days ago regarding TransUnions failure to provide the MOV. They have not responded to that complaint either. These actions- or lack thereof - amount to a deliberate obstruction of my rights under federal law.

The following violations of the FCRA apply in this case : 611 ( a ) ( 7 ) : Failure to provide the Method of Verification within 15 days of request, including the name, address, and phone number of the furnisher.

611 ( a ) ( 5 ) : Failure to delete information that can not be verified after reinvestigation.

609 ( a ) ( 1 ) : Failure to provide all information in the consumers file upon written request.

623 ( b ) ( 1 ) : Failure to correct or delete inaccurate, incomplete, or unverifiable information after receiving notice of a dispute.

616 and 617 : Willful and negligent noncompliance with the FCRA, which may entitle the consumer to damages.

TransUnions attempt to treat my MOV request as a dispute - rather than simply providing the legally required verification - is deceptive and unlawful. It is a stalling tactic. The requested information ( MOV ) should be readily available as it should exist in their system since the conclusion of dispute. Their continued silence, despite receiving valid ID, a 1099 that includes my social security number, a certified MOV request, and a federal complaint, is a clear breach of legal responsibility.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
Hello i would like to be refunded for the second Returned Payment Fee in the amount of {$40.00} debited from my credit card on XX/XX/year>. ive been an outstanding customer my entire lifetime with this credit card and was never late or caused return fees before. my reasoning for this refund and complaint is because i tried switching my main bank account to XXXXXXXX XXXX but they closed my accounts without warning and i already initiated payments with money in the bank to pay US BANK for my credit card account but XXXX did not let any transactions be completed after that spontaneous account closure. so in that result i was charged a {$30.00} fee for this same reason which i called in and they refunded the fee as i stated it was not my fault for this to even occur because i HAD the money in my account and its the banks fault for not sending the payment so me getting charged a fee while im already frustrated with the other bank is ridiculous. and then they refunded {$30.00} fee yes. but then again i scheduled 2 payments in that time frame before the account got closed and that other payment was returned and now i get charged a {$40.00} fee and i called in to get this refund because of the same reason i just mentioned and they said they couldnt do it. this is so unfair to me because this was NOT my fault at all. so in this case i reached out to hinting about all the issues and included an extra message letting them now i was charged 2 fees by us bank and wanted XXXX bank to reimburse me for those fees because it was entirely their fault but they did not take accountability. i have proof in the letter attached that i got from XXXX and at the bottom it states : Finally, XXXX has declined your request for compensation in the amount of {$70.00} to cover third party fees. While we regret you remain dissatisfied, our position is final. 
so i was refunded one {$30.00} fee. all im requesting is that you refund the other {$40.00} fee because i do not deserve this charge at all as this was a entire frustrating situation and them getting unnecessary fees charged on top from US BANK was bothersome.

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 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXXXXXX 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 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 2025-08-06 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: CA

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: NH

Complaint narrative:
Hello, Im reaching out for help regarding some accounts on my credit report that I didnt open or authorize. I wasnt informed about them either. As stated under USC 1681g, Im respectfully requesting their removal within 15 days. Ive attached the documents to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-06 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit 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 explanation
Consumer complaint received 2025-08-06 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit 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 2025-08-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX. XXXX XXXX XXXX , DC XXXX Subject : Billing Dispute and Incorrect Late Payment Reporting under the Fair Credit Billing Act ( FCBA ) and CARES Act Account # XXXX Dear CFPB I am writing to formally dispute a late payment reported on my # XXXX, as shown on the billing statement dated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and subsequently reported negatively to the credit bureaus. 

During the COVID-19 pandemic, many financial institutions offered temporary relief programs or modified payment agreements. I either enrolled in such a program or was actively seeking assistance from your institution. Therefore, I believe this reported late payment is inaccurate and unfair. 

This dispute is filed under the following legal grounds : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Under this federal law, consumers have the right to dispute billing errors, including : Failure to properly credit payments made, Accounting or posting errors, Incorrect reporting during an open dispute. 

This dispute is being submitted within the 60-day window, and I formally request an investigation and correction of the error. As per 1666 ( a ) ( B ) ( ii ), I also request a written explanation of your findings, and copies of any documentation used to determine that the billing was accurate, should you conclude that no correction is needed. 

CARES Act ( Section 4021 Amendment to the FCRA ) : The CARES Act, enacted on XX/XX/XXXX, temporarily amended the Fair Credit Reporting Act ( FCRA ) to protect consumer credit during the national emergency. If a consumer : Had an agreement with the creditor to defer or modify payments, And complied with the terms of that agreement, Then the creditor was obligated to report the account as current to the credit reporting agencies not as late or delinquent. 

I either complied with the terms or was awaiting assistance from your institution at the time the late payment was reported. Therefore, this negative report constitutes a violation of the CARES Act unless you can provide valid documentation otherwise. 

I formally request that you : Correct the billing error and remove the negative credit reporting. 

Provide written confirmation of the correction. 

Refrain from any collection actions on the disputed amount per FCBA 1666 ( c ). 

If the item is not removed, report the account as disputed to all credit reporting agencies as required under the FCRA. 

I have attached supporting documentation ( e.g., payment records, email correspondence, relief program confirmations, etc. ). 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframes required by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
These unauthorized credit inquiries are alarming and may reflect fraudulent intent. I request that this issue be handled without delay. Documentation is attached.

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 2025-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: AK

Complaint narrative:
I mailed the attached letter to Plaza Services on XX/XX/year> regarding this collection account that was added to my credit report. I requested a statement of debt validation. Plaza Services has not responded. Plaza Services has not communicated any written statement to me since this account was added to my credit report. There was a phone call with someone who claimed to work for XXXX, another party who is a debt collector working for Plaza Services. This person was coercive, abusive, and refused to provide any written communication. I provided my email address, and the person claimed he sent documents via email. I have not received any documents. I did not even receive any notice of a right to dispute the debt. Plaza Services must provide the documents as required by law, or remove this debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
The account for XXXX XXXX XXXX  card was paid {$2000.00} on XX/XX/XXXX and another check for {$330.00} was sent on XX/XX/XXXX of XXXX. The account was paid in full. I have copies of the checks and letters from XXXX XXXX indicating it was paid and I had the account closed back in XXXX of XXXX because they had not reported the payments correctly. They continue to disclose inaccurate information calling it a c/o charge off and say it is still owed when it is paid. I want it off my credit 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 2025-08-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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