vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX XXXX : XX/XX/year> SSN ( Last 4 ) : XXXX Phone/Email : XXXX THIS IS A FORMAL LEGAL NOTICE I am formally notifying you that you are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverified, and fraudulent accounts on my personal credit report. 
Further, TransUnion, Equifax & Experian has willfully and negligently damaged my credit standing by reducing my score by approximately XXXX points based on inaccurate and unverified data, without validating or confirming its legitimacy. 
I have not entered into any contract, credit agreement, or authorization with any party for the accounts currently being reported, nor have you provided any lawful, documented validation proving that I owe or authorized these accounts. 
LEGAL VIOLATIONS Your actions constitute violations under, but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to verify disputed information 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance resulting in legal liability

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 2025-12-23 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$220.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$560.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries : No inquiries listed for TransUnion. 

Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-12-23 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: NJ

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with Equifax/Experian/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

They are reporting an account in my credit reports that is erroneous, they are reporting that a balance of {$4200.00} is pending when they are none existent. 

I sent written disputes on XX/XX/year> and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA if collector ). 

Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX v. TransUnion ( XXXX ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === TU : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX === INQ === TU : COAF XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
Recently I looked a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account XXXX XXXX Number : 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 2025-12-23 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:
Dear Sir/Madam, I am writing to 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : 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 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 2025-12-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have several Featured CDs with the bank. When the Featured CD matures, the bank 's policy is to automatically renew the CD to a 3M Flexible CD instead. The current annual percentage rate with a 7-month term for a Featured CD is 3.25 %, but for a 3M Flexible CD is only 0.1 %. I have a CD matured on XX/XX/year>, which was a Sunday. When I called to renew the CD back to a Featured CD, the bank 's agent couldn't do it because its CD department is closed on Sundays. In that case, I had to call to renew the CD on Monday, XX/XX/year> and I lost the interest difference for XX/XX/XXXX. The difference between 3.25 % and 0.1 % is about {$2.00} daily. If the bank 's CD department doesn't open on Sundays, why does the bank make CDs maturing on Sundays?

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone is using my identity for credit card application. I got an email regarding hard inquiry and i called the bank. They said, all my personal info including my number and SSN and address is used to apply for credit card application. It was done from the Missouri state in XXXX XXXX. 

Please help me with identity protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
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  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Creditor : XXXXXXXX XXXX  Experian : Account # XXXXXXXX XXXX XXXX XXXX XXXX  | Balance {$0.00} Equifax : Account # XXXX * * * * | Balance {$0.00} TransUnion : Account # XXXXXXXX XXXX XXXX XXXX XXXX | Balance {$0.00} Bureaus Reporting : Experian, Equifax, TransUnion Discrepancies Found : Account Type Detail : Equifax lists " - '' while others say " Auto Loan ''. 
Date Opened : Experian/Equifax : XX/XX/XXXX vs. TransUnion : XX/XX/XXXX. 
High Credit : Equifax : {$18000.00} vs. Experian/TransUnion : {$19000.00}. 
Last Reported : Experian : XX/XX/XXXX vs. Equifax : XX/XX/XXXX vs. TransUnion : XX/XX/XXXX. 
Date Last Active : Experian : XX/XX/XXXX vs. Equifax : XX/XX/XXXX vs. TransUnion : XX/XX/XXXX. 
Date of Last Payment : Experian/TransUnion : XX/XX/XXXX vs. Equifax : XX/XX/XXXX. 
Payment History Status Conflict : TransUnion shows no recent status, Experian shows consistent " CO '', Equifax shows a mix of " OK '' and lates ending in " 30 ''. 
Comments : Wording varies between bureaus ( " Purchased by a another lender '' vs. " Account transferred or sold '' ). 
Dispute Text : This is not mine, I have no knowledge of this account, and it belongs to someone with the same or similar name. I will include PRECEDENT. This is absurd and outrageous. This is factually incorrect. All this data is factually wrong, erroneous. This is not my debt. I was never even notified by mail. I was never told, nor did I ever sign anything here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
i have discovered after reviewing the XXXX statement that Barclay has been accessing interest incorrectly to our account. I called the customer service and spoke to XXXX, XX/XX/XXXX and can not explain in detail how and why too much interest was accessed. Not only incorrect interest was applied interest again in XXXX after the balance was {$0.00} Our balance as of XX/XX/XXXX was {$6800.00} and paid {$5000.00} on XX/XX/XXXX an interest of {$64.00} was applied. the remaining balance of XXXX In XXXX the balance left over was {$2000.00} and payment of {$2000.00} was made and interest of {$27.00} and another {$3.00} interest was again accessed for the XXXX balance of {$310.00} in which will be paid before the due date of XX/XX/XXXX. 
This is outrageous and the interest accessed was excessive.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : URGENT Request for Immediate Removal of Dispute Remarks From All Tradelines To Whom It May Concern, I am currently in the process of purchasing a home and recently had my credit reports pulled by my mortgage lender. It has come to my attention that there are dispute remarks listed on one or more tradelines within my credit report. These remarks are now preventing final approval of my home loan. I am formally requesting the immediate removal of all dispute-related comments and notations from all tradelines on my credit report. I am not disputing any accounts at this time, and I need all remarks indicating otherwise removed without delay.

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 2025-12-23 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally notify Capital One of ongoing and repeated billing and payment processing issues that have caused me financial harm over an extended period of time. 

For years, Capital One has engaged in conduct that has directly interfered with my ability to make timely payments, including but not limited to : Closing branch locations without adequate notice, thereby eliminating reasonable options to make cash payments Delaying the posting of electronic and transfer payments, resulting in improper late and past-due fees Refusing to allow same-day payments despite several remaining business hours Restricting my access to the mobile application and limiting my ability to manage my account through standard technological channels Denying effective customer service assistance to resolve these issues As a direct result of these practices, I have been assessed multiple late fees in the amount of {$29.00} each, despite my good-faith efforts to pay on time. These actions constitute unfair and abusive billing practices and appear to violate federal consumer protection laws, including the Fair Credit Billing Act, Regulation E, and applicable UDAAP standards. 


If these matters are not promptly resolved, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau and pursue all available legal remedies. 

Please respond in writing. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I refinanced my auto loan with Navy Federal Credit Union in XX/XX/XXXX through their mobile application for a XXXX XXXX XXXX. During the refinance process, Navy Federal did not disclose that my vehicle was ineligible for Guaranteed Asset Protection coverage due to its age, nor did they disclose that refinancing would cancel the existing GAP coverage I had with my prior lender. 

At no point during the application process, prior to signing, or within the loan documents was I informed of a vehicle age restriction for GAP coverage, or that GAP was unavailable for my loan. There was no disclosure, warning, acknowledgment, or election related to GAP presented to me. The refinance application contained no mention of GAP or GAP eligibility. 

Navy Federal approved the refinance knowing the vehicle was a XXXX model and therefore ineligible under their internal policy, yet no one contacted me to disclose this material limitation or allow me to make an informed decision to refinance elsewhere or secure alternative coverage. I would not have refinanced had I known GAP would not be available. 

After my vehicle was later totaled, I discovered I had no GAP coverage and was left with a deficiency balance of approximately {$5000.00}. When I requested documentation showing that I was informed of GAP ineligibility, Navy Federal was unable to produce any such disclosure or acknowledgment. Navy Federal has since stated that GAP was not offered due to the age of my vehicle but has not shown that this information was disclosed to me prior to signing. 

This deficiency balance exists solely because Navy Federal failed to disclose a material limitation of the loan at the time of refinancing. I am requesting regulatory review of Navy Federals disclosure practices and remediation of the financial harm caused by this omission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation