vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I regularly monitor my credit report because maintaining a good credit score is important to me. However, I continue to see inaccurate and false information that has not been corrected despite my repeated attempts to have it resolved. 

This ongoing issue is extremely stressful and exhausting. It is unfairly damaging both my credit score and my overall well-being.

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 2025-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/year> for loans XXXX, XXXX, XXXX On XX/XX/year>, I spoke with a representative named XXXX, I mentioned from a previous phone call several months ago when setting up auto-pay that I would need to move the payment to my requested XXXX due date. 

-The automatic payment scheduled for XX/XX/XXXX would be urgently canceled. 
-My due date would be officially changed to the XXXX of each month moving forward. 
-The next payment would be due on XX/XX/XXXX, reflected in my upcoming statement. 
-I was advised to call in XXXX to re-enroll in autopay at that time for the XXXX. 
-I was instructed to reference the terms and conditions to which I asked if I could have that sent to me in writing because I've been told several different things about payment plans and such. 

This was all good BUT despite following the instructions given to me several months ago in good faith, I was later told that adjusting the payment schedule in this way would result in my account becoming delinquent, since I had only made XXXX payments so far. 

This was not disclosed during that past phone call, nor was I advised of any negative credit consequences. Had I known, I would have planned differently. I was only made aware in the phone call on XX/XX/year> and a brief notation in past CFBP feedback. 

This lack of transparency and conflicting information is deeply concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: 1803 Capital, LLC
State: AZ

Complaint narrative:
Im submitting a complaint against 1803 Capital / Edge Financial regarding an auto loan account. 

On XX/XX/2025, I spoke with a representative to explain my situation, I had just started a new job and was waiting XXXX weeks for my first paycheck. I wasnt avoiding payment, and I have always made an effort to stay in good standing with my account. The representative and I came to a clear agreement that I would make my next payment on XX/XX/2025, and that was accepted with no warning of any negative consequences. 

As promised, I made the payment on XX/XX/XXXX. However, this past Saturday ( XX/XX/2025 ), I noticed that a XXXX late payment had already been reported to my credit, dated XX/XX/2025. 

At no point during the XX/XX/XXXX conversation was I told that the account would still be reported as late even if I honored the new payment arrangement. I trusted the agreement in good faith, and I feel blindsided by the damage this has caused to my credit profile. 

When I contacted the company, I was told there was nothing they could do. This feels misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
15 U.S.C. 1681 refers to a section of the United States Code that is part of the Fair Credit Reporting Act ( FCRA ). This law was enacted to promote accuracy, fairness, and the privacy of consumer information contained in the files of consumer reporting agencies. 
I have been contacting the credit bureaus over and over regarding an inaccurate address on my report, which know shows a collection account. I have never rcvd any respond back from them. and according to the law mentioned above, I have the right to dispute inaccurate and unverifiable information that's on my credit report. this has been disputed several times, it always come back as verified without the proper investigation. this company failed to send me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
XXXX is inaccurately reporting late payments to my credit file.

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 2025-08-04 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 writing to formally dispute the presence of an account listed on my credit report that I did not authorize, open, or have any prior knowledge of. I have never had any association with this account, and its inclusion in my credit file is both incorrect and distressing.

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 2025-08-04 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 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: NH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I am filing a complaint against Experian for continuing to report a fraudulent XXXX account on my credit report, despite my submission of an FTC Identity Theft Report and proper identification. I did not open or authorize this account. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), Experian must block fraudulent information within four business days of receiving proper notice.

Experian also failed to comply with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Section 611 ) by not conducting a reasonable reinvestigation. Most importantly, they did not provide any account validation as required under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), such as a signed application or documentation verifying the account belongs to me.

Their failure to investigate and validate has caused me financial and emotional harm. I am seeking statutory damages of up to {$1000.00} under 15 U.S.C. 1681n for willful noncompliance with 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 2025-08-04 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-04 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:
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 : 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 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 explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 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: NC

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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2600.00}

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 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a Vanilla Visa Gift Card valued at {$50.00} directly from XXXX. After activating it myself online and verifying the full balance, I gifted the card to a friend. Within days, the card balance had been drained by XXXX unauthorized {$25.00} transactions to a merchant neither of us recognize ( XXXX XXXX XXXX XXXX ). Neither XXXX nor Vanilla Visa ( managed by XXXX ) will honor or reimburse the lost balance. 

I called Vanilla Visas support line and received vague responses. They promised to email a form to begin the complaint process, but I have not received it. Despite providing proof of activation and usage timeline, both companies refuse to accept responsibility for this clear case of fraud. 

Gift cards like these are marketed as secure and reliable, yet consumers are left vulnerable to theft without remedy. I am requesting that the CFPB investigate this matter and pressure these companies to resolve cases of gift card fraud in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/year> I received a call from my bank that fraud was being committed at XXXX XXXX  XXXX sr XXXX XXXX... They then went over my charges in my account some of them were my charges and several were not. USSA agent said they sent me a text from USAA in reference to fraud I have all the text messages. I had not idea this was fraud until XXXX hour later .. I have a limit on all our account no money can be transfer into any account over XXXX this is why we have a limit. My husband was on the phone with USAA asking how could XXXX ever leave our account?? No phone calls from USAA because I thought I was on the phone My husband never received a phone call from the bank in reference to the very large transfer. USAA 7 days later agreed there was fraud because whoever accessed our account was a Android phone both my husband and I own Iphones. Then I get a letter from USAA to which I will attach I also filed a police report and FTC. XXXX XXXX I never authorize this transaction due to the fact I knew had a limit of XXXX... This is not our money this is XXXX money to rebuild our house it was in our Savings account.

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 2025-08-04 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: MicroBilt / PRBC (formerly CL Verify)
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I also FORMALLY REQUEST A DETAILED DESCRIPTION of the METHOD of VERIFICATION used during your investigation, including : The name, address, and contact information of the furnisher of the information ; The method used to verify the accuracy of the data ; A description of any documents or communication reviewed during the investigation. I respectfully request that you : Conduct a full reinvestigation of this item ; Delete or correct the inaccurate information if it can not be verified ; Provide written confirmation of the outcome, including the updated report ; Explain how the data was verified and from whom.

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 2025-08-04 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX  Acct # XXXX XXXX XXXX associates acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I also FORMALLY REQUEST A DETAILED DESCRIPTION of the METHOD of VERIFICATION used during your investigation, including : The name, address, and contact information of the furnisher of the information ; The method used to verify the accuracy of the data ; A description of any documents or communication reviewed during the investigation. I respectfully request that you : Conduct a full reinvestigation of this item ; Delete or correct the inaccurate information if it can not be verified ; Provide written confirmation of the outcome, including the updated report ; Explain how the data was verified and from whom.

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 2025-08-04 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 these account removed as they are associated with such.

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 2025-08-04 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 these account removed as they are associated with such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 these account removed as they are associated with such.

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 2025-08-04 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:
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 : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief