vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
I am submitting this complaint because TransUnion is reporting inaccurate late payment information on two accounts that should not be showing derogatory activity. The first is XXXX account XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which is showing late payments even though the account is closed. The second is XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, which is being reported with a past due balance of zero but is still being shown as late. These reports are contradictory and misleading. An account can not accurately be described as late when the balance is zero and no payment is past due.

TransUnion has an obligation under the Fair Credit Reporting Act to maintain maximum possible accuracy in consumer reporting. By continuing to display late payment notations on an account that is closed with no obligation outstanding, and by simultaneously marking an open account as past due while listing the past due amount as zero, they are failing to comply with that requirement. These are not minor technicalities but material misrepresentations that create the false impression of delinquency. 

I have disputed these errors already, but the responses have been generic and dismissive, showing that no meaningful reinvestigation was conducted. It is clear that TransUnion is simply regurgitating whatever the furnisher provides without verifying whether the information makes logical or factual sense. This practice directly undermines the protections that the FCRA is supposed to provide. The consequences for me have been very real. I recently applied for financing on a vehicle and was denied because my report reflected a history of delinquency. This denial was directly tied to these inaccurate late payment notations. It is humiliating and frustrating to be treated as if I am irresponsible when in fact the information is wrong. The stress of having to repeatedly dispute the same errors is taking a toll on my mental health and wasting countless hours of my time.

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 2025-08-29 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 report doesnt reflect the financial stability I possess.

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 2025-08-29 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: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXXXXXX XXXX XXXXXXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX  XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NJ

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been opened in my name without my authorization, specifically with XXXX XXXX. I did not apply for or open these accounts, nor did I authorize anyone to do so on my behalf. Enclosed with this notice are my police report and FTC Identity Theft Report documenting the identity theft and supporting my request for immediate investigation and removal of these unauthorized accounts.

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 2025-08-29 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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.

I am filing this FTC Identity Theft Affidavit to report five fraudulent account ( s ) appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Open Account XXXX opened XXXX under XXXX. Revolving XXXX opened XXXX under XXXX. Open Account XXXX XXXX XXXX opened XXXX under XXXX. Collection XXXX opened XXXX under XXXX. Installment XXXX opened XXXX under XXXX. I demand removal of these items from my consumer reports and that all collection activity cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
Good Morning, I had a settlement offer from XXXX XXXX & now Ive been blindsided with this debt collector. ( XXXX XXXX XXXX ) This loan was from XXXX. Ive requested information from this law firm/debt collector to validate that they are hired by west lake to collect/garnish the debt. The last time I spoke with XXXX XXXX I informed them that I was unable to pay the settlement at the time due to just coming out of homelessness after XXXX years. They informed me that the debt would be charged off. Then this company shows up. Why dont these companies provide the documents that we request? They even begin to garnish our wages prior to court. Is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: IL

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. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-08-29 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: PA

Complaint narrative:
This account is being inaccurately reported with a late payment. I disputed this matter, but no proper validation or verification has been provided as required under 15 USC 1681 ( FCRA ) and 15 USC 1666b ( Fair Credit Billing Act ). Since the information is unverifiable and inaccurate, I am requesting immediate deletion of the late payment from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: VA

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX'My digital wallet was used to fund someone elses account. Several transactions were made for thousands of dollars brought it to the banks attention as fraud case was closed immediately while I was on the phone getting issued a new card. More money was taken after a representative close that card because he was not trained right and did not Close the card. The right way money was took it before and after I notified the bank, no one is doing nothing about the situation after I seen a withdraw transfer of XXXX on XXXX XXXX. I notified the bank the day I notice on the XXXX closed froze. The card on the app spoke to a representative about the situation. He assured me he was going to fix it while we was on the phone getting issued a new card in my account. Continue to get withdrawn XXXX XXXX XXXX transaction occurred while I was on the phone talking to the representative because he did not close the account the right way when issuing a new card he did not delete it off the digital wallet so all merchants received a new card access which caused me to lose more money .'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a promotional balance on my CareCredit account. When the promotional period ended in XX/XX/year>, I was charged almost {$4000.00} in deferred interest. I immediately called CareCredit and was told that if I paid off the balance in XXXX lump sums, the interest would be waived. Based on that representation, I paid {$3500.00} right away and was prepared to pay the remainder shortly after. I was not informed that there was a XXXX deadline for this arrangement. Because of that lack of disclosure, CareCredit is now refusing to honor the waiver and is requiring me to pay the full {$4000.00} in interest. I acted in good faith, relied on their representatives promise, and am willing to pay the remaining balance today if the interest is waived. I am requesting that CareCredit/Synchrony Bank honor the original agreement or provide a goodwill adjustment.

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 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XXXXXXXX XXXX XXXXL Date : XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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: TX

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I've had a previous Wise account that goes against their Terms of Conditions. This was because I'd had an ex-partner misuse my identity and misuse my previous account. My ex partner went on to create another account misusing my SSN which I have reported. I've provided a police record that shows me reporting identity theft. I've asked repeatedly for support in restoring whichever account exists because I need to make weekly payments for a class I take. Because my appeal was rejected, I've been met with the response that I can no longer use Wise. I've been met with conflicting information to restore 1 out of my 2 accounts with the Wise database. One Customer Service agent told me to restore my account associated with XXXX. I tried to do that and filed an appeal, but was denied. I tried to then restore my account associated with XXXX, but was also denied after trying to make a payment to my XXXX  instructor. Customer Service has not been helpful, and I've called and sent many emails with documentations of my identification to support any sort of internal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
Equifax and Experian have 3 collections, one for {$420.00} and one for {$1000.00}, and {$29000.00} reporting on my credit report. Transunion is reporting 4. These collections do not belong to me. The furnishing of these collections are reporting inaccurately and are hindering my credit report.

This reporting of false and misleading information falls in accordance with ( 15 U.S.C. 1692c ) : This section prohibits deceptive collection practices, indirectly requiring that any information communicated not be misleading or inaccurate.

Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 : Amends the Fair Credit Reporting Act to enhance the accuracy of reports and includes provisions to help reduce identity theft, such as the truncation of credit card and Social Security numbers on printed receipts.

Fair Debt Collection Practices Act ( FDCPA ) Acquisition of Location Information ( 15 U.S.C. 1692b ) : While not directly about information accuracy, this section requires any debt collector communicating with any person other than the consumer to acquire location information about the consumer without stating that the consumer owes any debt.

Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) This section details the responsibilities of entities that furnish information to consumer reporting agencies. It requires furnishers to provide accurate information, investigate disputes received from consumer reporting agencies, and correct or delete inaccurate or unverified information.

Fair Credit Reporting Act ( FCRA ) Accuracy of Information ( 15 U.S.C. 1681e ( b ) ) : This section requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Dispute Resolution ( 15 U.S.C. 1681i ) This section outlines the procedures that must be followed when a consumer disputes the accuracy of information in their credit report. It mandates that consumer reporting agencies must investigate disputes, usually within 30 days, and either verify, correct, or delete the disputed information.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.

With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this XXXX. Should there be any updates on my inquiries. I'm gon na go to court.

Company response to consumer: Closed with explanation