vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I notified XXXX XXXX that I was a victim of identity theft involving a fraudulent XXXX credit card account ending in XXXX, with a balance of {$3100.00}. I submitted an FTC Identity Theft Report, triggered FCRA 605B, and XXXX confirmed in writing ( XX/XX/XXXX and XX/XX/XXXX letters ) that they : Closed the account, Directed Equifax, TransUnion, Experian, and XXXX to delete the account, Would not hold me responsible for the charges. 

The credit bureaus removed the account as required by law. 

But here 's the violation : Instead of honoring this block permanently as required under FCRA 605B, XXXX XXXX has re-aged and re-reported the same fraudulent debt under a new account ending in XXXX, with a new inflated balance of {$4300.00}. They are actively attempting collection and have resumed reporting it to credit bureausdespite my original dispute and proof of identity theft. 

This is a willful violation of multiple FCRA statutes : Statutory Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Once a consumer submits an Identity Theft Report, the data furnisher is legally obligated to permanently block the reporting of fraudulent information. Re-aging and re-reporting the same debt under a new account number is unlawful and deceptive.

FCRA 623 ( a ) ( 6 ) : Furnishers may not report information they know is the result of identity theft once notified by the consumer. XXXX acknowledged the theft, closed the account, and still created a new tradeline tied to the same theft. 

FCRA 623 ( b ) : Upon dispute, a data furnisher must investigate, correct, or delete inaccurate or unverifiable information. XXXX refused to honor my previous investigation, which concluded in my favor. 

FCRA 623 ( a ) ( XXXX ) ( A ) : Furnishers must ensure accuracy and completeness. Duplicating an invalid account and reporting it under a new number is materially misleading and damaging. 

Impact : Due to this willful misconduct, I was recently denied new credit from XXXXsuggesting the fraudulent debt still influences my creditworthiness, in direct violation of FCRA 605B ( 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 2025-07-10 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding LightStream  and XXXX XXXX, both of which are furnishing unauthorized and inaccurate information to the credit reporting agencies. 

Basis of Complaint : I have no knowledge of, nor did I authorize or open, any account with LightStream or XXXX XXXX. Their reporting is false, inaccurate, and in direct violation of : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Duty to delete information that is inaccurate, incomplete, or unverifiable after reinvestigation.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus and furnishers must perform a reasonable investigation and can not rely solely on automatic verification. 
XXXX v. XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. LEXIS XXXX Affirming the duty to delete unverifiable information 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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>2025 I lost my salary payment by check, I communicated it that same day after realizing that I was missing, the next day, Saturday, the representative did not go to the bank and it was on Monday And they told him that the check had been cashed, the claim was made and the bank still doesn't give an answer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information currently listed on my credit report is inaccurate. I have attached the necessary documentation to support the correction request

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 2025-07-10 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: AZ

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution 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 this negative account on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
This account has already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that this account belongs to me. 
I have requested copies of the contracts related to this account from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing this account 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 2025-07-10 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 am filing this complaint because TransUnion is reporting a charge-off account from XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year>2022, for {$3900.00} ) that is inaccurate and legally non-compliant. I have thoroughly reviewed my credit report and supporting documentation, and this entry remains both misleading and harmful to my credit profile. 

The reporting reflects a status of charge-off, but the balance remains listed, which creates a false and damaging impression that the debt is still active or collectiblewhen in fact, the debt has either been resolved or is no longer legally enforceable. TransUnion has not provided any documented evidence verifying the accuracy or continued validity of this entry, which is required under the Fair Credit Reporting Act ( FCRA ) and Title 15 of the U.S. Code.

Under 15 U.S.C. 1681e ( b ), TransUnion is legally obligated to follow reasonable procedures to assure the maximum possible accuracy of the information it reports. Continuing to publish outdated or unverifiable information like this charge-off constitutes a violation of that statutory duty. Furthermore, 15 U.S.C. 1681i ( a ) requires a reinvestigation when a consumer disputes information, yet my previous disputes appear to have been ignored or dismissed without proper investigation or outcome disclosure, also in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

This entry has significantly harmed my creditworthiness. I have been denied fair access to credit and financing opportunities, and Ive had to endure higher interest rates on accounts I did manage to open. Worse, Ive experienced emotional stress, embarrassment, and undue anxiety when trying to explain this entry to landlords and employers during background screenings. It is not just a numberits a source of daily harm. I have been diligent in managing my finances and doing everything within my rights to maintain an accurate credit report, only to be penalized by a reporting failure outside of my control.

The presence of this charge-off also raises concerns that the data being used could have been affected by a larger data breach. While I am not alleging identity theft, I do find it suspicious that multiple unrelated errors have appeared around the same timeframe, including other outdated or unverifiable items. TransUnion has a legal and ethical obligation to vet the accuracy and source of every entry before publishing it to third parties.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>2025, I updated my direct deposit information with the Social Security Administration ( SSA ) online to switch my benefits away from an overdrawn TD Bank account. I then went in person to the SSA office on the last Friday of XX/XX/year>2025 to confirm the change again. SSA confirmed both the online and in-person updates were processed. 

Despite this, my Social Security benefits were still deposited into the old TD Bank account. On XX/XX/year>2025, {$1600.00} was deposited, and TD Bank took approximately {$1000.00} of that to cover a negative balance. On XX/XX/year>2025, another {$1600.00} was deposited, and I was left with only {$520.00} meaning over {$1100.00} was again taken. 
These were federally protected Social Security benefits, and under 31 CFR 212, they should not have been seized. I was never informed by TD Bank that my benefits could be offset in this way, nor did I knowingly waive my protections when I opened the account.

I am requesting that TD Bank refund the seized Social Security funds, provide any documentation of a waiver they claim I signed, and confirm that no further offsets will be made against protected federal benefits. This situation has caused serious financial hardship which has caused the inability to pay rent and have been notified that I am facing eviction with a scheduled court date for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 IN XXXX ACCOUNTS XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} INQUIRIES : XXXX XXXXXXXX Date : XX/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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I disputed this account with Westlake Financial on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ). The account is being reported as a charge-off with an outstanding balance, while simultaneously listing multiple late payments ( 30-day and 90-day delinquencies ) despite being closed with a balance still reported. This creates a materially misleading profile that violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

I specifically requested full debt validation and investigation documentation, including : A copy of the original retail installment contract Full payment history Repossession notice Notice of intent to sell ( UCC 9-614 ) Proof of vehicle sale ( auction documents, receipts ) Calculation of deficiency balance Right to cure notice ( if applicable ) To date, I have not received any response or verification. Continuing to report this account without proper validation or correction is deceptive and violates FCRA accuracy and reinvestigation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date of incident : XX/XX/year> Received notification of hard inquiry on my Transunion credit report via email from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have never heard of this company and haven't given anyone permission to check my credit recently. No contact information was provided for them. I tried to dispute the inquiry with Transunion and they stated I can only dispute in writing via USPS and one of the documents I have to provide is a report from the CFPB, so I'm writing you to get a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX 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 2025-07-10 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: SC

Complaint narrative:
XXXX Open Date XXXX XXXX This account is reporting inaccuaries of Late payment and CLOSED when this is an open acoount that I make on time payments. The line of credit is suspended however this account should reflect positive payent history and open that which reflects on my other consumer reports.

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 2025-07-10 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:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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