vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
Kindly assess the materials included ; the questions were submitted out of the blue and may be unapproved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I paid my credit card bill early ( before the due date on XX/XX/XXXX ). After the payment posted, my checking account went negative temporarily because of the automatic transfer timing. Within a short time, the money returned to my account and the balance was corrected. 

I was later informed that my credit card was closed because I was paying late, but this is not accurate. I always made my payments, and sometimes I paid in two installments each month to help grow my credit responsibly and maintain a good relationship with the account.

If there was ever any issue with a delayed payment in any month, the bank should have notified me immediately at that time, provided a warning, or adjusted my credit limit or points. Closing my card completely without proper notice is unfair and has caused unnecessary harm. 

This sudden closure has caused me emotional XXXX  and financial damage, especially because I am currently applying for housing and rely on my credit card to maintain my credit standing. 

I am respectfully requesting : 1. Reopening my credit card account.

2. Restoration of my points/rewards.

3. Refund of any money or value lost due to this closure.

4. A clear explanation for why the card was closed without proper communication.

I have worked hard to build this card for a year and always tried to manage it responsibly. I believe the closure was unfair and not properly handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: United PanAm Financial Corp.
State: CA

Complaint narrative:
I am filing a complaint against XXXX  for failing to remove an address from my credit report that does not belong to me. I have never lived at this address, and I notified XXXX  that the information is inaccurate. XXXX  responded that they would not remove the address because it is tied to an account, but they did not provide any proof that I resided at this location.

Under the Fair Credit Reporting Act FCRA 602 ( A ), 607 ( b ), and 611 ( a ) XXXX  is required to maintain maximum possible accuracy and conduct a reasonable reinvestigation. They did not verify the address with any documentation such as a lease, utility bill, or government-issued ID. Simply stating that an address is connected to an account is not a valid verification method under federal law.

I am requesting that the CFPB intervene and require XXXX  to remove t
his inaccurate and unverified address from my credit file in accordance with FCRA 611 ( a ) ( 5 ) ( A ). 

Date XX/XX/year> Amount {$38000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I am disputing the accuracy of the following accounts on my TransUnion credit report. There are multiple errors and inaccuracies in how these accounts are reported, including incorrect balances, payment histories, and status. I request that TransUnion investigate and correct these discrepancies promptly. 

Disputed Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$91.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$290.00} XXXX  XXXX  - XXXX, XX/XX/XXXX, Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$64.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$470.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$420.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - XXXX, XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  - XXXX, XX/XX/XXXX, Balance : {$820.00} XXXX  - XXXX, XX/XX/XXXX, Balance : {$6700.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$73.00} XXXX XXXXXXXX - XXXX, XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$190.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$400.00} XXXX  - XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/year>, at XXXX, I received a threaten call from a local number XXXX with the following voice message which sounds XXXX generated : " This is a final attempt to contact ( used my maiden name ), regarding call number ( XXXX ) My name is XXXX XXXX, I'm contracting you to discuss a matter that has been forwarded to my office for consideration of legal action, including the filing of a lawsuit and complaint with the courts, if you wish to discuss the pending actions, that may be filed against you, or if you have any questions or concerns, You will need to immediately contact the firm that's directly handling your file, at XXXX. This is a time sensitive matter for you. They do not receive a response. They may be forced to proceed without your cooperation. Also be advised my calls are logged and submitted as the proof that ever effort has been made to notify you of the pending legal action against you in a timely manner. Thank you '' They did not leave information stating who they were. Upon researching both numbers, I found no information on the local number and the other number is listed said it might be Portfolio Recovery Associates or debt scammer. they also called an individual, that I do not have regular contact with, if any contact with at all, due to pass domestic abuse. He called me and stated he was given information regarding this so-called firm '' having a lawsuit against me and I needed to call them. Whoever they are, they didn't identify themselves and they gave personal information to another individual without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TN

Complaint narrative:
I have had identity theft issues that I have tried to resolve with Transunion and have not be successful in doing so. I sent Transunion a dispute request along with copies of the identity theft police report, my photo ID, my social security card and a utility bill showing my current address and I received a response from Transunion saying that they would not honor my request to block an account because either the account has been opened prior to the reported fraud, the account had a history of payments and/or disputes other than for ownership. None of these situations apply. I have attached the full dispute request here along with all of the identity documents referenced above as well as an additional set of FTC affidavits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
Long story short I have been being harassed by Spring Oaks Capital since XXXX. At least a car through the XXXX XXXXXXXX XXXX XXXX  in XXXX or XXXX. When I realize the interest on the vehicle, I did a voluntary repossession and gave the vehicle back. We are outside of the seven year timeframe and I guess since they sold the debt to Spring Oaks Capital, not only has this dishonest company made the debt on my credit report seem like it was opened in XXXX, they are not listening to the fact that I have told them several times that I would not be paying off the XXXX XXXX account ever. They call at all hours of the day, at all hours of night, send me text messages, send me emails, and they dont listen when I tell them that I dont want to be contacted and that Im not going to pay the debt. It stayed on my credit for seven years and once The year XXXX rolled around, they had no business continuing to harass me after that point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year>2024, I formally submitted a written complaint and request to Transunion, including the attached file, demanding a reinvestigation of the information appearing on my consumer report. I also requested certified copies of all information, documents, and records that Transunion obtained and relied upon in reporting the disputed items. 
To date, Transunion has not provided any of the certified documentation I lawfully requested, nor has it demonstrated that a proper reinvestigation was conducted. 
I am therefore renewing my requestbased on the same attached filethat Transunion conduct a complete and compliant reinvestigation to ensure maximum possible accuracy, and that Transunion supply certified copies of all information it receives for each disputed item to support the results of its reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
For about four years, my homeowners insurance had been escrowed and paid by my lender VHDA without issue. In XXXX we received notice from the VHDA without a future estates payment amount. A few weeks later this was altered to reflect a real payment amount Sometime in late XXXX. The loan portal showed an effective policy and VHDA charged for a number of months an escrow balance that reflects the payment amount we received from the insurance agent. We awaited our XXXX page, and instead received a notice from the insurance that the policy was canceled effective at the start of XXXX. By the time this was received the Insurers 30-day reinstatement window expired. Once we received this notice we called and email VHDA and where told that they would work with our insurance to have the policy reinstated. The agent informed us this is not possible as the policy was outside of the reinstatement window. VHDA provided written assurances that they are working with our underwriters to reinstate the policy. Sunday XX/XX/XXXX we received a notice tha or policy that was escrowed was not in force and that we have 45 days from XX/XX/XXXX to pay for a policy. This means that VHDA knew the policy was lapsed in the window where it could have been reissued and failed to do so. A voicemail was left Sunday the 16 and returned today. This voicemail Did not provide us a contact at VHDA to address the issue but instead directed us to our agent to buy insurance. VHDA has so far not provided assistance to resolve this issue and in trying to force us to buy a more expensive policy or have one force placed after a week of little to no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I am disputing charged-off accounts listed by TransUnion. The reporting appears inaccurate and unverified. Please provide original account documentation or delete these entries pursuant to FCRA 611. 

Inquiries Disputed Inquiries ( TransUnion ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. I request that TransUnion verify permissible purpose under FCRA 604 or remove the inquiries immediately if no such documentation exists. 

Late Payments XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX These late payment records appear inaccurate or unverified. I am requesting full verification with payment documentation from the furnishers. If this information can not be substantiated, please remove the late marks and update my credit report accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In late XX/XX/year>, Apple Card ( issued by Goldman Sachs Bank USA ) reduced my credit limit from {$5500.00} to {$500.00} following a single declined payment attempt on XX/XX/year>. The declined transaction was for {$940.00}, which was more than seven times my minimum payment due at the time. The payment did not fail due to insufficient funds ; it was impacted by banking system delays associated with the federal government shutdown affecting transaction processing at XXXX XXXX XXXX XXXX. 

Goldman Sachs attempted to process the payment only once and did not make additional debit retry attempts, which is standard industry practice ( typically two or three attempts ). Within less than 70 hours of the declined attempt, on XX/XX/year>, I paid the entire outstanding balance of {$5200.00} from the same account. The payment cleared successfully, and no further issues occurred. 

Despite full payment in good faith and immediate correction, Goldman Sachs permanently reduced my credit limit by 90 %, from {$5500.00} to {$500.00}. This reduction was excessive, punitive, and disproportionate to the situation. It also negatively impacted my credit utilization and score, even though the issue was temporary, bank-related, and resolved promptly. 

I contacted Apple Card support to dispute the decision, and they refused to reconsider, restore my limit, or review my supporting documentation. This adverse action appears to be based on incomplete and outdated information and raises concerns regarding fairness and compliance, including under FCRA accuracy standards and XXXX adverse action evaluation standards. 

I am requesting regulatory review and correction, including reconsideration of the adverse action and restoration of the original credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AL

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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a clear violation of my rights under federal law and raises significant concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer 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