vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
My TransUnion credit report dated XX/XX/year>, contains several inaccuracies and reporting violations that have not been resolved despite previous dispute attempts. 

First, the report includes multiple addresses and phone numbers that are not associated with me and were never used to open any accounts. These include addresses in XXXX, XXXX, and XXXX XXXX. The presence of these items may indicate a mixed file or outdated data being reported without validation. 

The report also includes several credit accounts showing serious derogatory information that is either inaccurate, unverifiable, or obsolete. These include : A federal student loan with a balance of {$60000.00} is reporting as more than 120 days past due as of XX/XX/year>, despite no communication about the end of forbearance or updated repayment terms. 

XXXX XXXX  XXXX credit card accounts report charge-offs or settled statuses with amounts of {$6700.00}, {$4500.00}, and {$1400.00}, and include XXXX late payment histories that appear duplicated or extended beyond standard reporting periods. 

A charged-off account from XXXX XXXX  Delaware shows a {$3100.00} balance and over 8 months of XXXX late payments. 

An auto loan from XXXX XXXX shows a XXXX delinquency that has not been validated. 

A student loan account previously serviced by XXXX shows historical XXXX late payments and remains marked with unresolved dispute notes, despite being transferred or closed. 

These items have not been properly verified or corrected by TransUnion or the reporting furnishers, despite dispute attempts. I am requesting that these items be permanently removed or corrected in compliance with federal consumer protection laws.

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 2025-05-22 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: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within XXXX days. Please find the enclosed supporting 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 explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-22 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I deposited a check from my employers retirement distribution and each time I make a deposit, USAA holds the check for 10 days. 
It only takes 1-3 days to verify the check is viable.

I've called several times about their check holding policies If the bank notified me prior to depositing I would have used a different bank.

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 2025-05-22 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: AR

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I need validation ( proof ) of the alleged debt from the debt collector ''. Therefore, the creditor should provide me with proof of validation, with the " original contract '' that I signed for as proof of ownership. You must understand that this is illegal under the ( FCRA ) Law for these companys to not have proof such as a written contract with my signature on it to prove that this is my alleged debt on my credit report. I need a response immediately or deletion of the accounts if I don't receive the documentation of the original contract as proof to satisfy my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I need validation ( proof ) of the alleged debt from the debt collector ''. Therefore, the creditor should provide me with proof of validation, with the " original contract '' that I signed for as proof of ownership. You must understand that this is illegal under the ( FCRA ) Law for these companys to not have proof such as a written contract with my signature on it to prove that this is my alleged debt on my credit report. I need a response immediately or deletion of the accounts if I don't receive the documentation of the original contract as proof to satisfy my complaint.

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 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within XXXX days. Supporting documents are 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I am opting out of any and all authorization to report any information on my consumer report. It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a United States federal law that establishes a Code of Fair Information Practice governing the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 U.S. Code 6805- Enforcement. Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
Etrade by Morgan Stanley suddenly closed my account with money in it {$11000.00} in total on XXXX of XXXX XXXX but they dont give me option to transfer my money out because I can't login anymore nor anything. I called to verify everything they claimed due to unusual activities and I have called several time with no outcomes and I provided my selfie and ID and all they requested from me. still they dont let me get my money out .. Ill be very happy if you can help me or get back to me I may XXXX XXXX if I get no help. I have had this experience with some financial institution but they give a chance for customer to send their money out easily even though I may not be able to bank with them .. it Seems E-Trade is purposely scamming customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On or around XX/XX/year>, my Equifax credit score dropped XXXX points without warning or valid explanation. Upon review of my credit report, I noticed that a remark was added stating " consumer disputes after resolution '' .this language is both misleading and damaging, especially considering that no active disputes were open or unresolved at that time. 



I did not authorize Equifax to add that remark, nor was I given any notice. This notation triggered the score drop, which has severely impacted my ability to secure housing, financing, and other necessities. I am requesting an immediate investigation into : 1. Why my score dropped by XXXX points on XX/XX/year> XXXX. Why the remark " consumer disputes after resolution '' as added XXXX. Whether this constitutes a FCRA violation and/or inaccurate credit reporting I demand that the remark be immediately removed and my score restored to its previous state prior to XX/XX/XXXX. Equifax has failed to respond with clarity or provide justification, and I believe this constitutes negligent and harmful reporting. 



Please have this investigated immediately. If no resolution is provided, I will be exploring civil legal action for damages and violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Upon looking at XXXX XXXX I recognized an inquiry and charge that I was not aware of. The credit card company name is JPMCB, it was open XX/XX/year> according to XXXX XXXX. The balance amount that I see is XXXX. I have contacted the company they inform me that they will close the account and investigate. I already contacted Experian and they will share the information with XXXX and the other bureaus. I am contacting you to remove this inquiry out my credit so it does not impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I discovered a debt being reported on all three credit bureaus that does not belong to me. The collection agency, Jefferson Capital, is reporting a balance of {$1500.00}, claiming XXXX XXXX XXXX as the original creditor. I have never done business with XXXX XXXX XXXX and have no knowledge of this account. 

I have no outstanding balance with this company or any other entity for this amount. I have made every effort to have this inaccurate information removed, including sending certified letters with return receipts to both Jefferson Capital and all three credit bureaus. Despite these efforts, the debt remains on my credit reports. 

I am requesting the CFPB 's assistance in resolving this matter and having this erroneous account removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: LEXISNEXIS
State: CA

Complaint narrative:
I found out that a company named Lexisnexis shared information about me to XXXX without my express permission to do so. I disputed this information with XXXX and they reported that the LexisNexis verified the information. I feel my Privacy/identity have been violated by LexisNexis. I have contacted the court representative and they informed me that they do not report any information to credit reporting agencies, then I contacted XXXX and they confirmed that the source of the information was In fact LexisNexis. I informed XXXX of this and they investigated and Lexisnexis verified the information.According to my understanding, this was when the violation of my right occurred. Lexisnexis can not verify information and they have no legal right to share unverifiable information about me. I do not owe LexisNexis anything, and I never signed anything authorizing them to look at or share my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Lendbuzz Inc.
State: MA

Complaint narrative:
I bought a XXXX XXXX XXXX commercial vehicle from XXXX XXXX XXXX  on XX/XX/XXXX, they made me pay {$3800.00} deposit, plus {$1500.00} to bring it to me, they never gave me any paperwork to register it, I have never worked on it a day, I have been paying for it for 2 months, I told the bank that the car is for business I bought it for and I can't work on it because of the plates I can't make, they came and took it, they came and took it and reported the balance to me while I have never worked on it or used it. I'm unemployed, I opened my own company to work, instead of making progress, I'm making progress, and neither the bank nor the dealer are done with me. They don't give me a chance to work with the car even for a day, even though I pay, they're ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently, I did an Investigation on my Credit Report, and I found several items on there that are Inaccurate. 

Under 15 U.S Code 1681m * * - Requirement regarding notice of negative information : Obligates users of consumer reports to inform consumers when they take adverse action based on such reports. 

15 U.S Code 1681q * * - Obtaining information under false pretenses : Addresses penalties for willfully obtaining information under false pretenses. 

15 U.S Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the 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. 

15 U.S Code Bureaus must maintain 100 % accurate reports- mix ups or outdated information = Violation. 

15 U.S Code 1681 ( XXXX ) Affiliate Sharing 15 U.S Code 1681 ( o ) Civil liability for negligent noncompliance : Allows consumers to sue for damages if a violation is negligent Please remove the following items listed below from My Credit Report Immediately. 

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
Recently, I did an Investigation on my Credit Report, and I found several items on there that are Inaccurate. 

Under 15 U.S Code 1681m * * - Requirement regarding notice of negative information : Obligates users of consumer reports to inform consumers when they take adverse action based on such reports. 

15 U.S Code 1681q * * - Obtaining information under false pretenses : Addresses penalties for willfully obtaining information under false pretenses. 

15 U.S Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the 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. 

15 U.S Code Bureaus must maintain 100 % accurate reports- mix ups or outdated information = Violation. 

15 U.S Code 1681 ( XXXX ) Affiliate Sharing 15 U.S Code 1681 ( o ) Civil liability for negligent noncompliance : Allows consumers to sue for damages if a violation is negligent Please remove the following items listed below from My Credit Report Immediately. 

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 2025-05-22 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-05-22 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. Theres a late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. 
I demand the payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID as AGREED.

Company response to consumer: Closed with explanation