vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-21 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: IA

Complaint narrative:
I received my credit report and was completely confused on the inaccurate accounts and information found. I a, taking all the proper steps to clear this unfortunate mishaps on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: IA

Complaint narrative:
I received my credit report and was completely confused on the inaccurate accounts and information found. I a, taking all the proper steps to clear this unfortunate mishaps on my account.

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 2025-06-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Several companies have accessed my credit report without my authorization, negatively affecting both my credit and score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. Their continued presence is deeply concerning, suggesting possible identity theft and causing significant stress and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
FTC REPORT NO : XXXX Subject : Formal Dispute of Inaccurate Credit Information Under FCRA To Whom It May Concern, I am writing to dispute the accuracy and validity of certain accounts currently being reported by XXXX credit file. This letter serves as a formal dispute pursuant to my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ). 
The accounts I am disputing are as follows : 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 explanation
Consumer complaint received 2025-06-21 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:
This is a formal complaint and dispute regarding a hard inquiry that was added to my credit report without my knowledge or consent. I have reviewed my recent financial activities and confirmed that no transaction warranted such access to my credit file.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm reaching out regarding an account currently appearing on my credit report that is completely unfamiliar to me. I have no knowledge of this account, Ive never opened it, and I have never authorized anyone else to open it on my behalf. In short : this account does not belong to meand it absolutely should not be on my credit file. 

After carefully reviewing my report, its clear that this is a case of mixed file datawhere someone elses account has been incorrectly linked to my personal information. Whether this error occurred due to a similar name, a social security number mix-up, or some other database mistake, it needs to be corrected immediately. I am not liable for debts or accounts that were never mine to begin with, and I should not be forced to deal with the consequences of reporting errors that violate the standards of accuracy under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-21 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:
XXXX XXXX XXXX XXXX SS : XXXX Date Birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Charge-Off Account Reporting Violation of CARES Act, FCRA, and TILA To Whom It May Concern, I am writing to file a formal dispute against XXXX  XXXX XXXX XXXX charge-off account ( Account Number : XXXX ) that has been reported on my credit report with derogatory charge-off codes from XX/XX/XXXX through the present, in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). 
This account was impacted by financial hardship resulting directly from the COVID-19 pandemic. Under the CARES Act ( Section 4021 ), furnishers are required to report accounts as current if they were in a current status and a forbearance or accommodation was made due to COVID-19. I contacted my creditor during this time regarding financial hardship, and no valid assistance, accommodation, or accurate reporting was applied as mandated by federal law. 
Further, the FCRA ( 15 U.S.C. 1681s-2 ( a ) ) requires furnishers of information to ensure that the information they provide to consumer reporting agencies is complete and accurate. Continuing to report a charge-off status month after month from XX/XX/XXXX to XX/XX/XXXX the present is not only materially misleading but also creates an unfair and damaging reflection of my credit profile. 
Additionally, under TILA ( 15 U.S.C. 1601 et seq. ), creditors have a duty to provide clear, transparent, and fair treatment regarding consumer credit obligations. I believe the reporting of this account, without appropriate accommodation or disclosure, contradicts this principle. 




Action Requested : I respectfully request that the CFPB investigate this matter and compel XXXX  XXXX to : Remove the charge-off account or all monthly charge-off notations from XX/XX/XXXX onward ; Provide a full investigation into whether appropriate CARES Act accommodations were applied ; Ensure compliance with FCRA and TILA guidelines regarding accurate and non-deceptive credit reporting. 


I have attached supporting documents including my credit report entries, communication with the creditor ( if available ), and identification for verification purposes. 
Thank you for your attention to this matter. I look forward to your timely response and the appropriate resolution of this dispute. 
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 non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX SS : XXXX Date Birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Charge-Off Account Reporting Violation of CARES Act, FCRA, and TILA To Whom It May Concern, I am writing to file a formal dispute against XXXX  XXXX XXXX XXXX charge-off account ( Account Number : XXXX ) that has been reported on my credit report with derogatory charge-off codes from XX/XX/XXXX through the present, in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). 
This account was impacted by financial hardship resulting directly from the COVID-19 pandemic. Under the CARES Act ( Section 4021 ), furnishers are required to report accounts as current if they were in a current status and a forbearance or accommodation was made due to COVID-19. I contacted my creditor during this time regarding financial hardship, and no valid assistance, accommodation, or accurate reporting was applied as mandated by federal law. 
Further, the FCRA ( 15 U.S.C. 1681s-2 ( a ) ) requires furnishers of information to ensure that the information they provide to consumer reporting agencies is complete and accurate. Continuing to report a charge-off status month after month from XX/XX/XXXX to XX/XX/XXXX the present is not only materially misleading but also creates an unfair and damaging reflection of my credit profile. 
Additionally, under TILA ( 15 U.S.C. 1601 et seq. ), creditors have a duty to provide clear, transparent, and fair treatment regarding consumer credit obligations. I believe the reporting of this account, without appropriate accommodation or disclosure, contradicts this principle. 




Action Requested : I respectfully request that the CFPB investigate this matter and compel XXXX  XXXX to : Remove the charge-off account or all monthly charge-off notations from XX/XX/XXXX onward ; Provide a full investigation into whether appropriate CARES Act accommodations were applied ; Ensure compliance with FCRA and TILA guidelines regarding accurate and non-deceptive credit reporting. 


I have attached supporting documents including my credit report entries, communication with the creditor ( if available ), and identification for verification purposes. 
Thank you for your attention to this matter. I look forward to your timely response and the appropriate resolution of this dispute. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
This is a formal request to correct a late payment that is being inaccurately reported on my credit report. I have verified with my bank that the payment was made before the due date. I have always taken my credit responsibilities seriously, and this error is negatively impacting my profile. I kindly urge a review of this issue and ask that the late payment be deleted from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am filing this complaint due to excessive and harassing phone calls from OneMain Financial, specifically from the number XXXX ( XXXX ) XXXX located in XXXX, PA. These calls began in early XX/XX/year>2025 and have escalated quickly despite my account being less than 30 days past due. 

Over the course of just a few days, OneMain has called multiple times per day, with no clear effort to follow compliance rules outlined in Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). This aggressive contact pattern is not only inappropriate given the minor nature of the delinquency, but also appears to be in violation of the CFPBs 7 calls in 7 days rule, which restricts third-party collection efforts to no more than 7 attempts per week per debt. 



Voicemail/Call Log from XXXX ( XXXX ) XXXX : XX/XX/scrub> 2025 1 call XX/XX/scrub> 2025 ( Friday ) 1 call XX/XX/year>2025 ( Saturday ) 2 calls XX/XX/scrub>, 2025 ( Sunday ) XXXX calls XX/XX/year>2025 ( Monday ) 2 calls XX/XX/scrub> 2025 ( Tuesday ) 2 calls XX/XX/year>2025 ( Wednesday ) 2 calls XX/XX/scrub> 2025 ( Thursday ) 1 call ( as seen at XXXX XXXX  ) This totals at least 9 known calls within 7 calendar days, not accounting for any additional missed or unlogged attempts. It is likely higher based on previous patterns.

Additional Context : I have not given consent to receive repeated calls.

The account in question was only recently overdue and does not warrant this level of pressure.

I believe OneMain Financials actions constitute harassment and may also trigger TCPA violations if autodialing or prerecorded messages were used without proper consent.

Despite my attempts to ignore/block these calls, the volume and persistence have caused unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
This is a formal dispute regarding fraudulent accounts listed under my name. I did not open, authorize, or have any affiliation with these accounts. I request that they be removed from my credit report immediately. As per 15 U.S. Code 1681g, I am requesting deletion within 15 days. Please find enclosed documentation to validate this request.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX BANK OF AMERICA- ATM MACHINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made a {$1500.00} cash deposit into my primary checking ( XXXX XXXX dollar bills ) the machine made the counting noise, then paused then started the counting process again, after that it displayed a message that the machine has malfunctioned and can not return the money or read the cash, please enter the amount of your deposit, I keyed in the {$1500.00} amount and hit enter. It printed a deposit receipt for {$300.00} with a message on Atm screen, A phone # to call to dispute the amount on the receipt, if incorrect. Then the Atm ate the debt Card. I immediately called the number, Call center automation answers. Please enter you Debit card #. OK now I'm really Mad I started a dispute when I came home and filed a Police incident report XXXX XXXX XXXX Police Dept. Went to the Bank next day to retrieve my card they said machine shredded it, Nothing they can do but apologize, This {$1200.00} dollar mistake needs immediate attention to avoid NSF Transactions

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 monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX XXXX fixing my water pipes an putting in hot water heater they sign me up for this card from syrohony bank which they charged me on this card the fixing of my water pipes which cost me over XXXX lwas paying before time due and more now they added a whole XXXX more on it l can't afford this lm retired and XXXX old they keep adding all this intrest on it and l don't have the card no more can't charge anything on it l want out just pay the XXXX and be done not using XXXX XXXX XXXX they scamming

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 2025-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
submitted a formal dispute regarding inaccurate reporting on my credit report. The disputed item had already been paid or resolved, yet the furnisher and/or bureau failed to correct it within the timeframe required by the Fair Credit Reporting Act ( FCRA ) under Section 611.

I requested investigation, validation, and removal or proper update. I received either no adequate response or misleading electronic communications. I also have proof through screenshots from XXXX XXXX and the furnishers own system that they failed to uphold federal compliance. 

Their inaction has directly impacted my creditworthiness. Im demanding full correction and compliance under FCRA and reserve the right to pursue further legal action if unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
As per the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting this personal statement and the required documentation to request the blocking of information on my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c3, and 12 CFR 1022.142 ( b ) ( 4 ) ( 7 ).

I am a victim of human trafficking, specifically debt bondage, which is recognized as a form of trafficking under federal regulations. I respectfully request that all accounts associated with this trafficking be blocked from my credit report within four business days of receipt of this request, in accordance with the law. 

Please remove the following account ( XXXX ) from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
I received XXXX different cards from this bank, A XXXX XXXX and a JetBlue card, when I first received these cards, I had a {$25000.00} dollar limit on the XXXXXXXX XXXX and an approximate limit of {$11000.00} on the JetBlue card. When I went through some hard times because of medical reasons and had to pretty much max them out I was never late ( maybe a couple days once because I forgot ) but I always paid at least my minimum balance on both of these cards every month, if not more. I also had a few other cards that I used. When I finally was able to pay them down, they would decrease my limit over and over until I am now at {$2500.00} on XXXX. I don't care about the lower limit every time because I will never use that XXXXXXXX XXXX  again. However, because they kept reducing it, it would show on my credit report as now being over the limit. Like it does now. The XXXX XXXX is paid off, however I had to use the JetBlue XXXX on a trip because it's all I had on me, I was able to use it for up to {$11000.00} credit limit and now when I go on and look, my limit was lowered to about {$9000.00} which now again puts me over the limit and looks bad on my credit report. I understand that they get nervous I'm not going to pay as the balances are getting high, but to make it so it reports over my limit is unfair and unacceptable and to me a form of fraud as it now hurts me for everything that has to do with credit, which is basically everything in life. I just tried going to get the statements to show this, and somehow, they all now show the current credit limit, when I know for a fact, they showed the $ XXXX limit last month. How are they allowed to get away with this?

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