vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Summary of Dispute I am filing a formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the credit bureaus TransUnion and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These companies are simultaneously reporting the same account under different names. This has resulted in : Inaccurate, duplicative reporting Reporting under an incorrect name ( " XXXX XXXX '' instead of " XXXX XXXX XXXX '' ) Failure to remove unverifiable or disputed information Ongoing damage to my credit score and reputation Despite multiple written disputes, the information has not been corrected or removed. 

Legal Basis for Dispute Under the FCRA : 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : CRAs must conduct a reasonable reinvestigation of disputed items. 

15 U.S.C. XXXX ( a ) ( XXXX ) : If the disputed data can not be verified, it must be corrected or deleted. 

15 U.S.C. XXXX ( b ) : CRAs must assure the maximum possible accuracy of credit report data. 

Supporting Case Law : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must conduct an independent and reasonable investigation, not just rely on furnishers. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : CRAs must go beyond a cursory review and ensure accuracy. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failure to investigate constitutes an FCRA violation. 

Harm Suffered Due to these actions, I have experienced : Credit denials Higher interest rates Emotional distress Reputational damage I have also lost financial opportunities due to this inaccurate and duplicative reporting. 

Relief Requested I am requesting : Immediate deletion of the disputed and inaccurate items Verification of proper name usage ( " XXXX XXXX XXXX '' ) A complete, written explanation of any reinvestigation conducted Compensation of {$1000.00} per violation under FCRA XXXX and FDCPA XXXX Actual and punitive damages for willful noncompliance Related Complaints This issue has also been reported to : The Federal Trade Commission ( FTC ) The XXXX Attorney Generals Office

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 2025-06-30 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: AK

Complaint narrative:
TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION USC 1681a ( 2Xi ), USC 1666b, 12 CFR 1026,13 BILLING ERROR RESOLUTION USC 1692C, USC 1692G, USC 1692e ( b ) USC 1681B ( a ) ( 2 ) USC 1635, USC 1692G, ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS ATTN : EXPERIAN TRANSUNION EQUIFAX ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ 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 PLEASE REMOVE THESE UNAUTHORIZED ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF { GAAP } YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT1681 ( ad2ai ) STUDENT LOAN REHAB OFF CREDIT USC 1681 ( a ( b ( 2 ) thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX. IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER AND FOLLOW FCRA PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER ; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB AGAIN. ALSO SEND THE BONDS INFORMATION AND THE HIGHEST BIDDER AND THE FORWARD FLOW AGREEMENT HONESTLY, Affiant :. XXXX XXXX XXXX. Living Man Far from being DEAD UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct : XXXX XXXX XXXX NOT THE TRUSTEE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: AK

Complaint narrative:
TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION USC 1681a ( 2Xi ), USC 1666b, 12 CFR 1026,13 BILLING ERROR RESOLUTION USC 1692C, USC 1692G, USC 1692e ( b ) USC 1681B ( a ) ( 2 ) USC 1635, USC 1692G, ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS ATTN : EXPERIAN TRANSUNION EQUIFAX ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ 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 PLEASE REMOVE THESE UNAUTHORIZED ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF { GAAP } YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT1681 ( ad2ai ) STUDENT LOAN REHAB OFF CREDIT USC 1681 ( a ( b ( 2 ) thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX. IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER AND FOLLOW FCRA PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER ; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB AGAIN. ALSO SEND THE BONDS INFORMATION AND THE HIGHEST BIDDER AND THE FORWARD FLOW AGREEMENT HONESTLY, Affiant :. XXXX XXXX XXXX. Living Man Far from being DEAD UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct : XXXX XXXX XXXX NOT THE TRUSTEE

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory
protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
i want to remove all negative items off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: HI

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, and as a result, an account I do not recognize has appeared under my name. I am a victim of identity theftmy personal information was used without my consent, and I am now being linked to an account I was never associated with. As instructed by TransUnion, I filed an FTC Identity Theft Report and submitted all required documentation. Despite taking these steps, the fraudulent item still remains on my 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 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: FL

Complaint narrative:
In the past, I was associated with a different loan company and was actively working with them. I had established an automatic payment arrangement with that company. However, at some point last year, my loan servicing changed, and the previous service failed to provide Edfinancial with my automatic payment setup information. Edfinancial did not contact me concerning this issue, which ultimately resulted in a XXXX decrease in my credit score. I contacted Edfinancial to rectify the late payment notation, but they were unable to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Peer Advisors, LLC
State: GA

Complaint narrative:
This company has provided no information or feedback to me personally as of date. This is my XXXX. and final complaint. I will be taking this XXXXXXXX company to court next if not settled for PREDATORY fees added to my parents Reverse Mortgage which is illegal to do. 

My mother passed in XXXX. In XXXX fees started to be added to their Reverse Mortgage after most parents died. I am providing the documents of their PREDATORY fees added after their death. These are the same fees added in the PREDATORY class action lawsuit. I am providing that lawsuit again. The fees added to my parents Reverse Mortgage after their death are the same people been filing lawsuits about and it will NOT be tolerated with my parents loan. THIS IS NOT ABOUT BALANCE IN XXXX. THEY CONTINUE TO LIE ABOUT THAT. 

As you will see from documents while my parents were living NO extra fees were added to their Reverse Mortgage. After HUD transferred loan to XXXX and my parents died the extra fees started. As you can see from the documents NO extra fees from XXXX. In XXXX these extra charges started by XXXX not HUD. 

In XXXX XXXX added a monthly inspections, where according to XXXX XXXX, their representative, they just take a picture of the front of the house ( never inside at all and we have NEVER received any Inspection report from this company ). They also took OFF the Repair fee that most would need to repair. They also include taxes fees ( that I am responsible for not the ). Every time I pay the taxes they end my check back because this company has decided to pay it with my consent ) just to add an extra fee for them. I have my returned checks with a letter proving each year, they add this fee to their record. 

They also added : From XXXX NO EXTRA FEES. XXXX in addition to the above- I am demanding that the Inspections fees are removed immediately. I have NEVER seen an INspector and sometimes twice a month inspections. My parent ended with {$100000.00} and now almost XXXX to date. I AM NOT REQUESTING XXXX nothing so they can stop using that as part of this issue. The ISSUE is your PREDATORY fees ONLY! So stop saying I want a XXXX change. I WANT A CHANGW XXXX XXXX ALL YOUR PREDATORY FEES REMOVED ASAP which is illegal to have or do with a REVERSE MORTGAGE.I am giving you this chance to remove them or my ESTATE Attorney will handle the rest. 

This is not a vacant property. I have lives her since my parents death. I am their Executor/Successor. So everything dealing with this property I am in charge of. No communication has ever been sent to me. CORRECT THIS MATTER! I am sick of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NerdWallet, Inc.
State: FL

Complaint narrative:
my wife, and I saw one of the listing on XXXXXXXX  so we made a deposit {$5000.00} each equal to {$10000.00} to XXXX XXXX we placed the bid with a {$10000.00} deposit on the property listed, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>. The listing was removed so I call up and request to have a refund on XX/XX/XXXX, we spoke with the representative. They told us a fund will be back to our account originally deposit from within 30 days. We waited for five weeks. There was no refund so I called back they apologize and say it will take two more weeks. Two weeks past no fund was deposited back to our account. Its now three months and three promises with no fund in our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: MO

Complaint narrative:
I've had no resolution in getting the fraudulent debit card transactions resolved on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I disputed a charge on my account because the merchant appeared to communicate on the process of the refund I should have been awarded. 

XXXX the XXXX I received an email stating that the claim was open and should be resolved within 45 days. 

XX/XX/XXXX I called the bank to find out if the claim was still be addressed and was told it was still in research phase. 

XX/XX/XXXX I noticed that a claim I had disputed for XXXX was awarded to a merchant and became in fear of this larger transaction where the bank never asked for additional documents or supported information so I called BOA and demanded to have a way to upload my supported documents. 

XX/XX/XXXX I uploaded the communication between myself and the merchant/ XX/XX/XXXX BOA sent me a message stating they received those documents and would review it for provisional credit. 

XX/XX/XXXX I placed a call to BOA because nothing had been resolved or discussed and lack of communication from BOA when the deadline of the 45 days ended on XX/XX/XXXX. While on the call I was told that it takes 90 days, but that was never communicated to me nor do I have any updated information from BOA regarding this extension?

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 monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: IL

Complaint narrative:
XXXX ACCOUNT # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper documentation and notification, please provide " Certified mail '' with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation