vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-24 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: WI

Complaint narrative:
I am filing this complaint because my XXXX XXXX ( Acct. No. XXXX ) * * account is being reported inaccurately and inconsistently across the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

According to my credit reports, TransUnion lists the Date of Last Activity as XX/XX/year>, while Equifax lists the same account with a Date of Last Activity of XX/XX/year>. Experian has already deleted this account entirely. These discrepancies can not all be accurate. The same account can not have different dates of last activity or appear deleted on XXXX report while still being reported as a charge-off on others. 

Under FCRA 607 ( b ), credit bureaus are required to maintain the maximum possible accuracy of all reported information. These inconsistencies demonstrate a failure to uphold that obligation. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information and to have a reasonable reinvestigation conducted by each bureau. I have exercised that right and am requesting verification of this account and documentation supporting the reported data. 

Additionally, the furnisher, XXXX XXXX, is required under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate information, and under 623 ( a ) ( 5 ) to provide the correct Date of First Delinquency ( DOFD ) so that the reporting period is calculated properly under 605 ( c ). The inconsistent dates and deletion from XXXX bureau suggest that the XXXX is either incorrect or not being reported consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
L J ROSS ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATES IN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Park Hill Holdings
State: FL

Complaint narrative:
I have been unable to obtain my consumer and rental reports from this company. I request full file disclosure under FCRA XXXX ( a ). Please see attachments.

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 2025-10-24 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I was given the opportunity to buy a loveseat from XXXX for {$2500.00} on a 60 month interest free in store credit card issued by XXXX XXXX. Not long after receiving my furniture I noticed that the in-store credit card was reporting like a maxed out credit card. After several months the XXXX XXXX  card credit limit reported lowered once again, showing like a maxed out credit card. In XXXX of XXXX I recieved a letter from XXXX XXXX  informing me that my account was closed for inactivity which negatively impacted my credit score. I Contacted XXXX XXXX  and they confirmed that I was still on auto-pay and that I had never missed a payment. They stated that they could not help as the account was closed and they suggested that I contact Transunion Credit Reporting and file a dispute. That is why I am not filing a 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 2025-10-24 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: AL

Complaint narrative:
I am writing to dispute and demand reinvestigation of several inaccurate and incomplete tradelines appearing on my credit file. Each of the following accounts contains errors in payment history, status coding, or ownership that violate federal reporting laws and Metro-2 formatting standards : 1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX days late without verified contractual records or consecutive delinquency timeline. 
XXXX XXXX XXXX XXXX  Reported as Collection/Charge-off while account still displays active balance updates ; data integrity failure under FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  No verified consumer consent or debt validation under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX Duplicate entries across bureaus, missing validation of ownership ; must be deleted per 623 ( a ) ( 2 ). 
XXXX. XXXX XXXX XXXX Outdated charge-off information and unverified collector chain ; violates FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX. XXXX XXXX XXXX Improperly coded as charged off without late-payment record ; incomplete data under 607 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX Closed as agreed yet listed as negative ; constitutes a willful furnishing of inaccurate data under 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: RI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-24 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: RI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Make certain that disputed accounts are eliminated quickly, per legal regulations.

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 2025-10-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Summary : Fifth Third Bank incorrectly reported a 30-day late payment on our mortgage despite the fact that our payments were made on time and sufficient funds were available. The bank has acknowledged their error but has failed to remove the negative credit reporting. This has already caused a loan denial and significant financial harm, and we need the reporting corrected immediately. 

Details : We made our XXXX mortgage payment to Fifth Third Bank on XX/XX/XXXX, even though it was not due until XX/XX/XXXX. Because of an unnoticed escrow increase, the automatic payment was short by {$53.00}. Fifth Third received the payment but, instead of notifying us or holding it for full application, they left the funds unapplied for two days and then applied the payment to the principal balance without any notice to us. 

As a result, the XXXX payment cycle showed as unpaid even though we had funds on hand. On XX/XX/XXXX, the next automatic payment went out ( again short by {$53.00} due to the same escrow adjustment ). This time, Fifth Third notified us immediately, and we corrected the shortfall right away. However, before the account would have reached 30 days past due on XX/XX/XXXX, Fifth Third was already holding enough money in our account to cover the full XXXX payment. Despite that, they reported a 30-day late payment to the credit bureaus. 

After we escalated, the bank investigated and confirmed the payments were mishandled. They readjusted the account to reflect the payments correctly, but they have refused to retract the negative credit report, even though they admit the reporting was wrong. Our contact at Fifth Third, XXXX XXXX, has stopped responding, and we have been unable to reach anyone able to finalize the correction. 

Requested Resolution : We request that Fifth Third Bank : 1 ) Immediately remove the 30-day late mark from all credit bureaus ( XXXX XXXX XXXX XXXX ) . 

2 ) Provide written confirmation that the tradeline has been corrected. 

3 ) Confirm this correction directly to the credit bureaus to restore our credit scores. 

The bank has already admitted fault and adjusted their internal records they are simply delaying the reporting correction. We are experiencing ongoing financial harm because of their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MD

Complaint narrative:
I am filing this complaint to formally demand immediate action regarding egregiously inaccurate and misleading entries on my credit report. My report currently lists numerous accountsincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas charge-offs or collections with balances ranging from {$500.00} to {$68000.00}, spanning from XXXX through XXXX. Many of these accounts were reported after my XXXX  XXXX Bankruptcy ( Reference # XXXX ) and are clearly inconsistent with legal protections and federal reporting requirements. This inaccurate reporting is causing severe harm to my creditworthiness, financial opportunities, and personal reputation. 

The reporting of these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including Sections 607, 609, and 611, which obligate credit reporting agencies to ensure information is accurate, complete, and verifiable. The continued listing of these accounts as active charge-offs or collections without proper verification constitutes not only negligence but potentially willful violations of federal law. I demand an immediate and thorough investigation, correction, or removal of all inaccurate entries, and expect enforcement action against any party failing to comply with federal credit reporting standards. Supporting documentsincluding my credit report, bankruptcy filing, and communications with creditorsare attached for review. I insist that the CFPB act swiftly and decisively to rectify these violations and protect my rights as a 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I dispute an item Golden 1 Credit Union is reporting to XXXX  ( XXXX ID : XXXX ). This account is marked Paid in Full and should not be reported as a negative closure. I previously submitted a dispute to Golden 1 and to XXXX  ( copies attached ) but the report remains inaccurate. Requested remedy : update or delete the inaccurate entry and confirm in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This complaint concerns unresolved XXXX loan disbursement funds that Capital One confirmed in writing would be returned to the originating lender but still have not been processed nearly four years later. 

Background : On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) XXXX loan funds were disbursed to my Capital One account ending XXXX by the lender XXXX XXXX XXXX/ XXXX. The account was later closed on XX/XX/XXXX, with a final balance of {$1.00}. 

Capital One confirmed to the CFPB in a prior complaint response dated XX/XX/XXXX, that : The funds were never deposited or verified and will be returned to the originating bank. 

Despite that written confirmation, as of XX/XX/XXXX, the originating lender still has not received the returned funds. XXXX XXXX confirmed in writing that their records show no returned or reversed transaction from Capital One and requested proof of the transaction ID or treasury trace number. 

Current Issue : Capital One has not provided any confirmation of the refund transaction, trace details, or treasury record of the return. This failure to follow through on the stated resolution ( return of PPP funds ) has resulted in continued financial and administrative hardship, including ongoing disputes with the originating lender and SBA record discrepancies.

Request for Resolution : 1. Immediate verification from XXXX XXXX Treasury Department or XXXX XXXX confirming the date and transaction number of the XXXX refund return to XXXX XXXX XXXX/ XXXX. 
2. If the return has not been processed, initiate the refund immediately as previously committed in Capital Ones CFPB response dated XX/XX/XXXX. 
3. Provide me written confirmation of the completed action or transaction trace within 10 business days. 

Supporting Evidence : Capital One CFPB response dated XX/XX/XXXX ( funds will be returned to the originating bank ). 
Lender confirmation ( XXXX XXXX / XXXX ) showing funds were never received or returned. 
Disbursement date : XX/XX/XXXX. 
Account closed XX/XX/XXXX, with {$1.00} balance. 

This matter has been pending since XXXX and now constitutes a significant compliance delay and failure to execute a treasury return that Capital One itself acknowledged in writing.

Company response to consumer: Closed with explanation