vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1- Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX, XXXX XXXX, XXXX  XXXX, XXXX  and XXXX, XXXX, XXXX, XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

XXXX Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA , 15 U.S.C . 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

XXXX Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4- Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-02 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: OR

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
This concerns Navy Federal Credit Union. A joint account with survivorship was opened using a Power of Attorney for my mother in XXXX. At that time the POA was reviewed and the account was approved to open. In XXXX of XXXX my mother passed away and when it was reported to NFCU it was transferred to the NFCU Survivor Support department. Sometime later I was notified that the POA was not valid and that I would have to go to Probate court to get access to this account. My complaint is why was the POA, valid for opening, but is now " vague '' after she died. If there were issues then, NFCU should have denied opening the account or I should have been notified that I can open the account but need to take measures to get additional paperwork to seamlessly pass her funds to me upon her death. I am the sole heir, representative for her Will, she had no financial debt or property. Resolving it through probate court is a financial burden on me since the probate court is in Virginia and I live in Hawaii. I will need to fly XXXX miles for a 1 hour appointment. I have attached an appeal letter that I submitted to NFCU which was also denied with no further explanation or written reason for the denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit report across the three major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). The following accounts are being disputed due to incorrect reporting, including outdated information, missing details, or discrepancies between the reporting bureaus. Kindly investigate the following accounts and provide a resolution according to the Fair Credit Reporting Act ( FCRA ).

CHARGED OFF XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX - Date : XX/XX/XXXX LATE PAYMENT XXXX - Account Number : XXXX XXXX  - Account Number : XXXX XXXX - Account 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 2025-12-02 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-02 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting, failure to verify disputed information, and failure to maintain the security of my personal identifying information. 

Equifax is reporting the following unverifiable, inaccurate, and obsolete negative accounts, which continue to harm my credit standing : XXXX  Dept. of Human Services Collection {$570.00} Opened XXXX XXXX XXXX XXXX Installment Account Opened XXXX XXXX XXXX Account # 1 Opened XXXX XXXX XXXX Account # 2 Opened XXXX I disputed these accounts directly with Equifax and requested a proper reinvestigation. Instead of performing a lawful reinvestigation, Equifax responded with a generic furnisher verified notice without providing : The method of verification The documents used to verify the disputed information The name, address, and telephone number of each furnisher Any proof that the accounts belong to me Any chain of assignment for collection accounts This violates FCRA 611 ( a ) ( 1 ) ( A ) because the information remains inaccurate and Equifax failed to perform a meaningful reinvestigation.

I also requested full disclosure under FCRA 609 ( a ) and Equifax failed to provide the documentation required to validate the accounts.

Furthermore, because of the historic Equifax data breach, my personal identifying information was compromised. Under FCRA 628 ( a ), Equifax must use reasonable procedures to protect consumer data. Since Equifax failed to protect my information, continued reporting of any inconsistent, incomplete, or unverifiable data is unsafe, unreliable, and unlawful.

Equifax is also in violation of : FCRA 602 ( a ) Failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishers reporting information without proof of accuracy FCRA 615 Causing adverse action through inaccurate reporting FCRA 616617 Willful and negligent noncompliance resulting in harm These accounts are damaging my credit score, causing credit denials, higher interest rates, and ongoing financial harm.

Requested CFPB Action : I request that the CFPB require Equifax to : Delete all disputed accounts because they are unverifiable and inaccurate Provide a complete method of verification, including all documents used Provide the identity and contact information of each furnisher allegedly verifying the items Correct Equifaxs unlawful reinvestigation process Issue written confirmation of the deletions Equifax has failed to comply with federal law and is continuing to report harmful, unverifiable information. I am requesting the CFPBs immediate intervention to enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Called XXXX XXXX credit card company comenity bank XX/XX/year> spoke to representative about how I paid my credit card off in full on XXXX XXXX but XXXX XXXX charged interest on XX/XX/year>. I explain to agent that I paid card off in full online so my balance was {$0.00}. And she said well you still have to pay the interest and I said well why when I paid online it said pay balance in full that to anyone means paid in full total balance. The agent said she will not remove the interest and hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I HAVE BEEN WAITING FOR MY MONEY TO BE RETURNED TO ME SINCE XX/XX/XXXX. IT HAS BEEN PASSED THE 30-60 DAYS I NEED MY MONEY RETURNED TO ME- THERE IS NOTHING WRONG WITH THE CHECKS I DEPOSITED- THEY ARE PAYROLL CHECKS IN MY NAME AND MY COMPANY APPROVES THEM TO BE PAID WHEN THEY ARE DEPOSITED.

PLEASE RETURN MY FUNDS- I WILL HAVE TO CONTACT AN ATTONEY IF THIS MATTER IS NOT RESOLVED ASAP! YOU CAN CLOSE MY ACCOUNT BUT YOU HAVE NO RIGHT TO HOLD MY MONEY FOR MONTHS PLEASE ESCALATE THIS MATTER TO A HIGHER AUTHORITY!

YOU ARE HOLDING $ XXXX OF MY MONEY! THIS IS THIEFT!

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
On XX/XX/XXXX I was alerted via XXXX XXXX wallet that my Venmo credit card was deactivated and closed.

The account in question had {$500.00} in cashback rewards that were pending at the time of closure.

On XX/XX/year> I called Synchrony bank, issuers of the Venmo credit card to inquire about the rewards and was told by the representative that the rewards would post within 2 billing cycles ( XX/XX/year> ). XX/XX/year> has passed and the rewards have yet to post to 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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
b'I received this message on my I-phone "Critical Account Security Alert-XXXX XXXX Activity Identified"\nThe message went on to say, that an XXXX credit card had been opened in my name and a charge was made to the card that seemed unauthorized.\nthey were contacting me to verify the charge and  provided a phone # to call.\nI called the number and talked to an XXXX  tech. During the conversation he walked me through some settings on my phone. Then he asked me to share my screen with him so that he could fix the problem. When I refused he hung up.\n\nThere are two Numbers associated with this messageXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal follow-up dispute regarding unverified negative items that continue to appear on my credit report despite previous dispute submissions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal follow-up dispute regarding unverified negative items that continue to appear on my credit report despite previous dispute submissions.

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 2025-12-02 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: LA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report : Charged-Off Accounts XXXX  : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} UNAUTHORIZED COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Inquiries XXXX  : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX  : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute multiple items reported inaccurately on my credit report. I have reviewed the accounts in question, and I believe these items have not been reported in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts I am disputing, separated by each bureau.

Charge Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$95.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}

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 2025-12-02 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: WI

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are 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 explanation
Consumer complaint received 2025-12-02 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: WI

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are 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