vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am submitting this complaint and dispute regarding inaccurate credit reporting by Equifax and TransUnion concerning an account that has been paid, settled, and subsequently deleted by the furnishing creditor, yet continues to appear on my credit reports with these XXXX bureaus. 

XXXX. Background The account in question : XXXX XXXX XXXX XXXX This account had previously been reported as charged off. 
I contacted the creditor directly, negotiated and paid a settlement in full. 
After payment, I submitted a goodwill deletion request, which the creditor approved. 
The creditor removed the account from my XXXX  credit file, confirming their intent to no longer furnish this information. 

XXXX. Issue With Equifax and TransUnion Despite the creditor deleting the account with XXXX, Equifax and TransUnion continue to report this account, even after multiple disputes. 

Both credit bureaus responded to my disputes with verifiedno change, which is inconsistent with the creditors reported action and violates federal accuracy and reinvestigation requirements. 

XXXX. Their actions violated miners FCRA regulations. 
XXXX Failure to Report Accurate Information FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy. Reporting an account that the creditor has already deleted is not accurate. 

XXXX Improper Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) When a consumer disputes an item, the bureau must conduct a reasonable reinvestigation. A reinvestigation that results in verified despite the creditor no longer furnishing the account indicates a failure to follow the required process. 

XXXX. Duty of Furnishers to Provide Accurate Information FCRA 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ) Furnishers may not provide information that they know or have reason to know is inaccurate or that they have ceased furnishing. If a creditor has deleted an account at XXXX bureau, they must not continue reporting it elsewhere. 


I have attached a copy of the goodwill letter sent, XXXX reports from XXXX showing where it was on my file and removed. And a report from both transunion and equinox showing that it is still reflecting.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
Kindly consider this a formal notice contesting the accounts referenced. I am not associated with them and did not authorize their creation. A proper review and removal are requested. Supporting documentation is attached.

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 2025-12-01 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
My bank was sending the mortgage payment at the end of the month electronically. The mortgage company said it did not receive payment and that I owed a late fee. I paid the late fee and we switched to sending the payment by check. 

They are now saying they did not receive the check and I owe another late fee. 

They keep moving the ball and saying I owe late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-01 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-01 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: TX

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 2025-12-01 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: TX

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I mobile deposited a check on Tuesday XX/XX/year>, at XXXX and have called multiple times to see why the funds are not being made available and I've been called back in forth to customer service and also to the branch that I deposited it at they have given different explanations and that my check will not be able to even be available to me until XX/XX/XXXX XXXX that will be XXXX days of citizens bank holding on to this deposit. I have attempted many times to let them know that these are funds that I need for a job that I am doing for a client and that it is time sensitive. today Monday XX/XX/XXXX I called and got transferred to several other managers and a branch manager that hung the phone up on me. I haven't ever overdrawn my account before but i do only have a little more than XXXX months with this current account, all tough this account was previously closed about a year prior to reopening it and the intentional account was active for over XXXX years with XXXX problems during that time. i also did read the policy for citizens depositing checks and because the amount of my check was in the amount of {$5000.00} and not XXXX that the policy does allow me to have my check cashed in a timely manner. i just want a resolution to this matter and hope that it is in a timely manner, i am currently losing money for jobs that i should be at this very moment with other various clients and I believe some financial obligation should be considered while i am losing money each day over this very matter. thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: HI

Complaint narrative:
I found a collection account and inquiries on my account that dont belong to me.

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 2025-12-01 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: FL

Complaint narrative:
I am submitting this complaint and dispute regarding inaccurate credit reporting by Equifax and TransUnion concerning an account that has been paid, settled, and subsequently deleted by the furnishing creditor, yet continues to appear on my credit reports with these XXXX bureaus. 

XXXX. Background The account in question : XXXX XXXX XXXX XXXX This account had previously been reported as charged off. 
I contacted the creditor directly, negotiated and paid a settlement in full. 
After payment, I submitted a goodwill deletion request, which the creditor approved. 
The creditor removed the account from my XXXX  credit file, confirming their intent to no longer furnish this information. 

XXXX. Issue With Equifax and TransUnion Despite the creditor deleting the account with XXXX, Equifax and TransUnion continue to report this account, even after multiple disputes. 

Both credit bureaus responded to my disputes with verifiedno change, which is inconsistent with the creditors reported action and violates federal accuracy and reinvestigation requirements. 

XXXX. Their actions violated miners FCRA regulations. 
XXXX Failure to Report Accurate Information FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy. Reporting an account that the creditor has already deleted is not accurate. 

XXXX Improper Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) When a consumer disputes an item, the bureau must conduct a reasonable reinvestigation. A reinvestigation that results in verified despite the creditor no longer furnishing the account indicates a failure to follow the required process. 

XXXX. Duty of Furnishers to Provide Accurate Information FCRA 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ) Furnishers may not provide information that they know or have reason to know is inaccurate or that they have ceased furnishing. If a creditor has deleted an account at XXXX bureau, they must not continue reporting it elsewhere. 


I have attached a copy of the goodwill letter sent, XXXX reports from XXXX showing where it was on my file and removed. And a report from both transunion and equinox showing that it is still reflecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
I am requesting Experian to reinvestigate the following accounts. These items contain inaccuracies, unverifiable information, and reporting inconsistencies that violate the Fair Credit Reporting Act. I am asking for a complete review, validation with the original creditors, and removal of any item that can not be verified. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LATE PAYMENT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/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 2025-12-01 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX Experian, XXXX, XXXX  Re : Request for Investigation Under the FCRA Report Date : XX/XX/year> SSN ( Last 4 Digits ) : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the following information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611. The account listed below contains information that is inaccurate, incomplete, and/or unverifiable, and I respectfully request an immediate investigation. 



Account Information Being Disputed Creditor Name : XXXX XXXX XXXX  Account Number ( Partial ) : XXXX Date Reported : XX/XX/year> Type of Error : This is Not my account Account reported inaccurately Balance incorrect Payment history incorrect or unverifiable Fraud/identity theft Creditor can not validate the debt Duplicate reporting Account status incorrect Sincerely 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 2025-12-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX XXXX, Transunion, XXXX  Re : Request for Investigation Under the FCRA Report Date : XX/XX/year> SSN ( Last 4 Digits ) : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the following information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611. The account listed below contains information that is inaccurate, incomplete, and/or unverifiable, and I respectfully request an immediate investigation. 



Account Information Being Disputed Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date Reported : XX/XX/year> Type of Error : This is Not my account Account reported inaccurately Balance incorrect Payment history incorrect or unverifiable Fraud/identity theft Creditor can not validate the debt Duplicate reporting Account status incorrect Sincerely 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 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Consumer Complaint Against : Ally Financial XXXX XXXX XXXX XXXX XXXXXXXX Product : Auto Loan / XXXX  Contract Vehicle : XXXX XXXX  XXXX VIN XXXX Co-Borrowers : XXXX XXXX and XXXX XXXX Complaint This complaint is regarding the mishandling, delay, and improper denial of my XXXX XXXX XXXX XXXX XXXXXXXX ) claim following the total loss of my vehicle, resulting in significant financial harm and negative credit reporting. 
What Happened I purchased a XXXX XXXX XXXX with financing through Ally Financial, including an optional XXXX  contract administered by XXXX. 
The vehicle was totaled on XX/XX/XXXX, and my insurance company ( XXXX  ) declared it a total loss on XX/XX/XXXX. 
XXXX issued a total-loss payment of {$70000.00} on XX/XX/XXXX, leaving a deficiency of {$14000.00}, which should have been covered under the XXXX contract. 
Attempts to File XXXX  Claim From XXXX through XX/XX/XXXX, I attempted to file and process the XXXX  claim through both Ally and XXXX, and repeatedly received conflicting information : Ally told me XXXX  was responsible for payment. 
XXXX told me Ally had not submitted required documents. 
In XX/XX/XXXX, XXXX instructed me to submit the claim via their portal. I submitted all required documents, twice, including everything from Ally and XXXX. 
XXXX continued to claim they had not received lender documents, while Ally stated the opposite. 
Ally did not submit their documentation to XXXX until XX/XX/XXXX. 
Improper Denial My XXXX  claim analyst at XXXX, XXXX ( XXXX ), instructed me to resubmit documents through XX/XX/XXXX, which I did twice. 
On XX/XX/XXXX, for the first time, I was told the claim was being denied due to an alleged 90-day submission deadline that : Was never disclosed Does not appear in any documents I received Was not provided when the contract was purchased Was not mentioned during any of the months of communication Conflicts with the repeated requests for documents beyond the alleged deadline XXXX  then offered only a {$3000.00} good-faith settlement, which is far below the {$14000.00} deficiency.

Company response to consumer: Closed with explanation