vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint regarding two public records and multiple related accounts that continue to be reported on my credit file despite having been discharged through bankruptcy. 

The public records in question are being reported as XXXX XXXX bankruptcies under the following : U.S. Bankruptcy Court XXXX U.S. Bankruptcy Court XXXX The U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX has confirmed in writing that they do not report consumer information to credit bureaus. I have attached a notarized letter from the court verifying this fact. Therefore, the continued reporting of these public records is inaccurate and unlawful. 

Additionally, I previously sent a notarized dispute letter to your agency regarding these public records as well as the accounts included in the XXXX  XXXX that were discharged. The accounts still reporting with Debt included in or discharged through Bankruptcy XXXX  XXXX comments are as follows : 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  These accounts were discharged through bankruptcy, which means they are no longer legally enforceable debts. Under the U.S. Bankruptcy Code, once a debt is discharged, creditors are prohibited from attempting collection or continuing to report such debts in a way that implies enforceability.

Furthermore, many of these accounts are now obsolete and exceed the permissible reporting period under FCRA 605 ( a ), which limits the reporting of negative information to seven years. Their continued presence is unlawful.

By continuing to report discharged, obsolete, and inaccurately coded accounts, you are in violation of your obligations under the Fair Credit Reporting Act, including FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty to report with maximum possible accuracy ). Additionally, under FCRA 604, consumer reporting agencies may only furnish information where there is a permissible purpose. Reporting inaccurate and unenforceable accounts exceeds permissible purpose and causes ongoing harm to my creditworthiness.

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 2025-09-22 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: FL

Complaint narrative:
Is old XXXX XXXX XXXXXXXX account I requested to be close someone use my account didnt make the payment it show I have 2 months on my account I been trying fight to remove this on my credit reports none of the cant remove it is hurting my scores

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 2025-09-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX SN # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXXXXXX Experian Equifax TransUnion Subject : Request for Retroactive Forbearance and Removal of Late Payments Dear XXXX, Experian, Equifax, and TransUnion, I am requesting that my current forbearance be applied retroactively beginning XX/XX/XXXX, and that all associated late payment notations reported to the credit bureaus from that date forward be permanently removed. 

Under the Higher Education Act, 20 U.S.C. 1082 ( a ) ( XXXX ), federal student loan servicers are granted authority to enforce, pay, compromise, waive, or release claims in order to resolve disputes fairly. Since I was eligible for forbearance during the period in question and actively sought hardship relief, the reporting of late payments is inconsistent with my actual repayment status. 

Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of credit information to provide accurate reporting. Reporting late payments when an account should have been in forbearance is not accurate. 

Relevant case law supports my position : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishers may be held liable when reporting is misleading or incomplete. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishers must conduct a reasonable investigation once on notice of a dispute. 

XXXX v. Equifax XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit reporting agencies and furnishers must ensure maximum possible accuracy. 

I respectfully request the following : That my forbearance status be backdated to XX/XX/XXXX. 

That all late payment notations from XX/XX/XXXX forward be deleted from my credit reports. 

Written confirmation once this correction has been made. 

This request is made in good faith and consistent with federal law. Please respond in writing within 30 days, as required by FCRA dispute procedures. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: AL

Complaint narrative:
My account was frozen on XX/XX/year> with over XXXX in funds. This happened because an external transfer failed because my external account had an unexpected transaction hit. I accepted the fee. I provided all requested documentation over XXXX hours ago and my account is still frozen. Additionally, I called twice. The first time, they advised me of what I need to provide and I did. The second time, they suggested that I start a XXXX way call with my external bank because providing all the information they initially requested might not be enough. This seems like a huge violation of privacy to me. The withholding of my funds is creating extreme financial hardship for my family and I am cooperating to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I am a victim of identity theft. Several fraudulent accounts were opened using my Social Security number to obtain goods. I have submitted disputes to TransUnion, including my FTC Identity Theft Report and police report ; however, TransUnion has refused to accept or act upon them. As a result of their failure to block and remove the fraudulent accounts within the required XXXX days of receiving my documentation, I have suffered direct harm, including the loss of an employment opportunity.

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 2025-09-22 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX SN # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXXXXXX Experian Equifax TransUnion Subject : Request for Retroactive Forbearance and Removal of Late Payments Dear XXXX, Experian, Equifax, and TransUnion, I am requesting that my current forbearance be applied retroactively beginning XX/XX/XXXX, and that all associated late payment notations reported to the credit bureaus from that date forward be permanently removed. 

Under the Higher Education Act, 20 U.S.C. 1082 ( a ) ( XXXX ), federal student loan servicers are granted authority to enforce, pay, compromise, waive, or release claims in order to resolve disputes fairly. Since I was eligible for forbearance during the period in question and actively sought hardship relief, the reporting of late payments is inconsistent with my actual repayment status. 

Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of credit information to provide accurate reporting. Reporting late payments when an account should have been in forbearance is not accurate. 

Relevant case law supports my position : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishers may be held liable when reporting is misleading or incomplete. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishers must conduct a reasonable investigation once on notice of a dispute. 

XXXX v. Equifax XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit reporting agencies and furnishers must ensure maximum possible accuracy. 

I respectfully request the following : That my forbearance status be backdated to XX/XX/XXXX. 

That all late payment notations from XX/XX/XXXX forward be deleted from my credit reports. 

Written confirmation once this correction has been made. 

This request is made in good faith and consistent with federal law. Please respond in writing within 30 days, as required by FCRA dispute procedures. 

Thank you for your prompt attention. 

Sincerely, 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 2025-09-22 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: NC

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( XXXX ) listed below were returned as " verified '' without providing me with the details of the investigation. 

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  In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I attempted to use the card at XXXX XXXX XXXX XXXX XXXX with a PIN but it was unable to be used - I contacted the company to see why I could not use the card online, they did not provide any answers at the XXXX Customer Service Number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Is old Bank of America account I requested to be close someone use my account didnt make the payment it show I have 2 months on my account I been trying fight to remove this on my credit reports none of the cant remove it is hurting my scores

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 2025-09-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Is old XXXX XXXX XXXXXXXX account I requested to be close someone use my account didnt make the payment it show I have 2 months on my account I been trying fight to remove this on my credit reports none of the cant remove it is hurting my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BLINCLOANS, INC.
State: TX

Complaint narrative:
Company is reporting false information to credit bureau I did not borrow XXXX only {$50.00} and it was paid I demand this false and inaccurate information be removed immediately this is Fraud

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to express my dissatisfaction with the malfunctioning XXXX system at Ally Bank. Recently, I attempted to set up my PIN through the system, but it failed to operate correctly, preventing me from completing this essential task. As a result, I was forced to use my debit card without the necessary PIN, which created significant inconvenience. 
. 

Thank you for addressing this matter promptly.

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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I have never applies for a loan with this company, this is an ECOA violation, this is FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
My name is XXXX XXXX. I am writing to dispute fraudulent information I have found on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked or removed immediately. I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are obligated to block any information identified by the consumer as resulting from such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX / XXXX I respectfully request that this fraudulent information be blocked immediately from my credit report. This block shall remain in effect for a period of one year, after which I may request an extension. During this time, no fraudulent information may be reported.

I have contacted XXXX  and Experian on multiple occasions to report these fraudulent accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely affecting me, as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these fraudulent accounts on my credit report has blocked all my opportunities and is causing me personal and financial damages.

These accounts have already been deleted and were not verified by other credit agencies, so I do not understand why these agencies continue to claim that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the company that is reporting them, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I work for someone they give me check for XXXX dollars when I went to the bank to get half of my money they refuse to give it to me they close my account now I cant open no other bank account is not my fault someone I work for give a bounce checks

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting a bankruptcy public record with only a Date of Filing. The required Metro 2 Header Fields- Bankruptcy Chapter Indicator, Current Status, Discharge Date and Court Information- are omitted. 
This makes the record reporting incomplete, misleading and inconsistent with the same bankruptcy as reported by XXXX  XXXX XXXX. By failing to to ensure maximum possible accuracy, Equifax is in violation of FCRA subsection 1681 e ( b ) & subsection 1681i.

Since Equifax can not furnish this bankruptcy in compliance with Metro 2 standards, the only appropriate resolution is full deletion of the bankruptcy from my credit file.

Company response to consumer: Closed with explanation