vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a medical collection account in the amount of {$1600.00} reported by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX of XXXX. I never received any prior communication about this debt and was not provided with any legally required documentation before it appeared on my credit report. 

I requested proper validation under the Fair Debt Collection Practices Act ( XXXX  ), including a copy of any signed agreement, an itemized bill, proof of the collector 's legal authority, and a XXXX authorization. XXXX XXXX responded with a billing screenshot that included only basic information such as my name, date of birth, and an internal patient number. They did not provide any signed agreement, itemized medical bill, or documentation proving their legal right to collect the debt. 

Despite this, TransUnion marked the debt as verified and updated. This is a violation of the Fair Credit Reporting Act ( XXXX  ), specifically : XXXX ( a ) TransUnion failed to conduct a reasonable reinvestigation. 

XXXX ( b ) The furnisher ( XXXX XXXX ) failed to properly verify the disputed information. 

XXXX ( b ) XXXX XXXX failed to provide sufficient debt validation as required under FDCPA. 

Furthermore, the TransUnion investigation results contradict themselves. One section says the information was deleted ; another says it was verified and updated. This inconsistency creates doubt about the accuracy and fairness of their reinvestigation. 

Because this involves a medical debt, I am also raising concern about a possible XXXX violation. If any protected health information was accessed or shared without a valid XXXX authorization, that could constitute an additional legal violation.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/year>, I deposited a {$6000.00} check from XXXX corporate into my Huntington Bank checking account. Despite the legitimacy of the check and my long-standing history as a customer, I was denied access to any portion of the funds due to a negative balance. 

Prior to this, I had faxed Huntington Bank in advance to inform them that this large deposit was coming, and requested that I be granted access to my emergency credit line as a cushion due to past hardship. This request was ignored. I also explained that I had upcoming rent obligations and needed at least partial access to my funds to avoid being in violation with landlords. 

When I visited the branch to speak with a teller, I was refused even a written explanation from a XXXX regarding why my funds were entirely frozen. I was not given any clarity on release timelines or any support to bridge the gap despite clear evidence of the deposit and an active income stream I earned over {$3000.00} in XXXX via consistent XXXX deposits. 

This feels like discriminatory treatment based on my temporary low balance, despite active efforts to resolve it. I believe my account was handled unfairly and without proper care or discretion. 

Ive attached documentation proving the deposit, the timeline, and the interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC
State: OK

Complaint narrative:
I am writing to file a formal complaint regarding serious issues with XXXXXXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, and the auto loan associated with a vehicle I purchased on XX/XX/XXXX. 

The vehicle in question is a XXXX XXXX XXXX XXXX XXXX, VIN number XXXX. At the time of purchase, I placed a {$3500.00} down payment on the vehicle. During financing, the bank required a service contract to be added to the loan, which I initially accepted. However, due to unresolved problems, I have since canceled the service contract and am seeking to have the loan rescinded. 

Despite my efforts, the dealership has become unresponsive and I am facing the following issues : Failure to Provide Documentation : XXXXXXXX XXXX XXXX XXXX has failed to provide the complete repair and service records for the vehicle, despite acknowledging my requests. These documents are crucial for my records and the banks review. 

Vehicle Returned to Dealership : I returned the vehicle to the dealership, but they have not formally acknowledged or processed the return. 

Dealership Non-Responsive to Loan Rescission Process : I am working with the bank to rescind the loan, but the dealerships lack of communication is preventing progress and placing me in a difficult financial position. 

Credit Reporting Concerns : I have filed disputes with credit bureaus to protect my credit report, but remain concerned about the dealerships actions affecting my credit. 

Additionally, I have filed complaints about this matter with the Oklahoma Used Motor Vehicle and Parts Commission and the Oklahoma District Attorneys Office due to the dealerships failure to resolve this dispute fairly and transparently. 

I request the CFPBs assistance to : Investigate XXXX XXXX XXXX XXXX for failing to provide documentation and ignoring communication. 

Help facilitate the rescission of the loan considering the canceled service contract and returned vehicle. 

Protect my credit report from any negative consequences resulting from this situation. 

Investigate potential deceptive or unfair practices by the dealership. 

This matter has caused significant financial and emotional distress, and I appreciate your prompt attention and help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I applied for a loan from navy federal. XXXX  says its XXXX. Then tells me its XXXX. Bank reruns the loan transunion again tells them XXXX. While still telling me XXXX. Called transunion. One didnt speak XXXX, one hung up on me. Started a chat. Didnt get the information that would affect it my score to have the bank say XXXX told us XXXX. While transunion tells me XXXX. XXXX  asked what I thought it should be. XXXX  has it at XXXX. And XXXX  jerking me around and will not answer any question directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-08-06 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: TX

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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
With this message I wish to covey the Harassment I've experienced from Portfolio Recovery Associates. These frequent calls and unlawful harassment has impacted my mental well being Portfolio Recovery Associates normally calls more then 7 times a day. Anytime I've requested Validation of this alleged and unknowledgeable debt that has been taken out in my name they hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
On XX/XX/year>, I mailed a debt validation letter to Caine & Weiner requesting that they provide proper documentation verifying an alleged debt of {$680.00}, which they claim is owed to XXXX XXXX. I also disputed the debt with the credit bureaus. 

On XX/XX/year>, I received another collection letter from Caine & Weiner. The letter included limited information such as policy dates and vehicle info but did not include any actual documentation that validates the debt such as a signed agreement, itemized breakdown, or proof they have the legal right to collect. 

Despite my timely dispute and validation request, the company continues to pursue collection without providing sufficient evidence. This violates the Fair Debt Collection Practices Act, which prohibits further collection activity until the debt is properly validated. 

I am requesting that this account be investigated, that collection efforts be paused until proper validation is provided, and that any related credit reporting be removed if the debt is not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TN

Complaint narrative:
Im disputing inaccurate late payment reporting from XXXX. XX/XX/2025 is marked as 90 days late ( code 3 ), but XX/XX/2025 is reported as on time ( code XXXX ). This timeline is impossible a 90-day delinquency in XXXX would require a 60-day delinquency in XXXX. 

When XXXX XXXX servicing transitioned back to XXXX, I ( like many borrowers ) experienced serious login issues and received no clear payment resumption notice. I only learned my loans were active again after my credit score dropped. Since then, Ive made 5 consecutive payments on autopay. 

I submitted documentation showing I was in good standing through XX/XX/2025, but Equifax still accepted the 90-day mark, and XXXX provided only a generic response. No one addressed the timeline contradiction. 

Im requesting a reinvestigation and correction under the FCRA. This inaccurate delinquency is materially harming my ability to qualify for a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
they have put multiple different names on all 3 of my credit files under diffrent names of the collection agency. company used Illegal acts to try to pin this bill on me an employee. 

This account is not mine i only work for the XXXX XXXX its a XXXX im just an employee. 

Subject : Dispute of Inaccurate Collection Account Not My Personal Debt Dear [ XXXX  / XXXX  XXXX TransUnion ] Dispute Department, HELP!!! THIS COMPANY ILLEGALLY SOME HOW GOT MY PERSONAL SOCIAL POSSIBLEY AND MY NAME AND PUT A FALSE COLLECTION AGAINST ME. I ONLY WORK AT THE COMPANY, I DONT OWN IT. 

I am writing to formally dispute a collection account currently listed on my credit report. The account in question reflects a balance of {$8500.00} and is associated with a business entity I WORK AT I DONT OWN IM JUST THE XXXX XXXX XXXX not my personal finances. 

This debt is not mine and should not be reported under my personal credit profile. OR MY NAME IM JUST A WORKER IN THE XXXX XXXX  Details of the disputed account : - Creditor/Collection Agency Name : [ XXXX XXXX XXXX ) - Account Number : NO ACCOUNT NUMBER - Reported Balance : {$8500.00} - Date Opened/Reported : [ UNKOWN This account is tied to a Limited Liability Company ( XXXX XXXX and is not my personal obligation. 

I am not personally liable for the debts of that business, and it should not be reflected on my individual credit file AS A WORKER IN XXXX  HOW DID THIS COMPANY PICK ME!!!! IT'S OVER 25 EMPLOYESS AND IM PICKED.

Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ), I am requesting a full investigation and prompt removal of this inaccurate account. The continued reporting of this debt on my personal credit file is a violation of the FCRA, specifically 602A which protects against inaccurate and unfair credit reportin

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 2025-08-06 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:
Complaint Against TransUnion FCRA Violations and Inaccurate Account Reporting TransUnion is reporting an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have no knowledge of. This account does not appear on XXXX XXXX XXXX XXXX which raises serious concerns about its validity. 

I have disputed the account, yet TransUnion continues to mark it as " verified '' without providing a complete method of verification, violating the Fair Credit Reporting Act ( FCRA ) under 1681i ( a ) ( 7 ). 

It has been over 30 days since I submitted a written dispute and request to XXXX XXXX, and they have not provided any supporting documentation. I am now formally requesting the following under FCRA 609 ( a ) ( 1 ) : A complete copy of all records in my file used to verify this account The name, address, and contact information of the entity that verified it A copy of the original signed contract or application ( if it exists ) A full breakdown of the accounts payment history and charge-off details A detailed description of the method of verification used Since no other credit bureau is reporting this account, and I have no verifiable knowledge of it, this tradeline should be deleted from my credit file within 15 days. 

If TransUnion can not provide this documentation, the accounts accuracy can not be confirmed, and under FCRA 1681i ( a ) ( 5 ), I demand that it be permanently deleted. 

This account is inaccurate, unverifiable, and its continued reporting violates multiple provisions of the FCRA. Please investigate and ensure immediate correction. 

Thank you.

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 2025-08-06 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: Global Lending Services LLC
State: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize any credit application with this entity. This appears to be an unauthorized or fraudulent inquiry. 
XXXX. XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : I did not apply for financing through XXXX XXXX on this date. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply for a loan through XXXX XXXX . 
XXXX. XXXX XXXX XX/XX/XXXX ( XXXX  ) Reason for removal : Duplicate/unwanted inquiry I did not authorize. 
XXXX. Global Lending Service XX/XX/XXXX ( XXXX  ) Reason for removal : I did not apply for credit with Global Lending Service. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply for auto financing with XXXX XXXX XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX  ) Reason for removal : I did not authorize this inquiry or apply with this dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint against all three credit reporting agenciesExperian, Equifax, and TransUniondue to repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with a XXXX XXXX XXXX XXXX secured loan that was closed and paid off in XXXX. 

Despite multiple disputes and the submission of documentation, all three bureaus continue to report this account inaccurately and inconsistently : Experian shows a 7-month loan term from XX/XX/XXXX with all payments marked XXXX through XX/XX/XXXX, yet it still reports late payments in XXXX and XXXX the term ends. 

TransUnion reports a 60-day late status and derogatory comments, even though the balance is {$0.00} and the last activity was in XXXX. It also falsely reports post-closure late payments and continues to update the account monthly. 

Equifax shows no late payments but labels the account as derogatory and continues to update the tradeline as of XX/XX/XXXX. 

All three bureaus report different account numbers, inconsistent creditor names ( XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX ), and conflicting loan terms. These discrepancies clearly violate FCRA 1681e ( b ), which requires maximum possible accuracy. 

I have disputed this account multiple times and included supporting documents. Despite these efforts, the bureaus have failed to perform a reasonable reinvestigation ( FCRA 1681i ) and continue to verify this inaccurate information solely based on flawed data from the furnisher. 

Notably, each time I dispute this account, my auto loan with XXXX XXXX, which has never been disputed, is flagged as in disputedemonstrating how unreliable the furnishers system is and how blindly the CRAs are accepting invalid data.

Company response to consumer: Closed with non-monetary relief