vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
Dear CFPB Officer, I am submitting this complaint against TransUnion for continuing to report multiple inaccurate and unverified accounts on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my dispute efforts, TransUnion has failed to conduct a proper reinvestigation or provide validation of the reported information, as required by law. 

The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Late Payment Balance : {$0.00} * * These student loan accounts are reporting late payments even though the balances are paid off and closed. No documentation has been provided to prove the legitimacy or accuracy of these derogatory notations. This is misleading and in violation of FCRA Section 1681e ( b ) for failing to ensure accurate data reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection Balance : {$3100.00} * These collection accounts are being reported without any contract, itemized billing, or validation from the original creditor. TransUnion has failed to provide proof that I owe these debts or that they are legally reportable. I requested a reinvestigation under FCRA Section 611 and a method of verification under Section 609 ( a ), but received no valid response.

The continued reporting of these accounts without proper documentation, despite formal disputes, constitutes willful noncompliance with FCRA Section 1681i ( failure to reinvestigate disputed items ) and 1681e ( b ) ( failure to assure maximum possible accuracy ). 

These negative accounts are severely damaging my credit profile and financial well-being. I am requesting that the CFPB investigate TransUnions failure to comply with federal law, enforce corrective actions, and ensure these unverifiable items are permanently deleted from my credit report if they can not be validated with full supporting documentation. 

Attached are copies of my dispute letter and the relevant credit report 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 non-monetary relief
Consumer complaint received 2025-07-02 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: TN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion for failing to remove accounts from my credit reports even though the creditors have confirmed they should be deleted.

I have documentation from the creditors clearly stating these accounts were to be removed. Despite this, all three credit reporting agencies continue to report them.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to conduct a reasonable reinvestigation and delete or modify any information found to be inaccurate or unverifiable within 30 days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Requires furnishers ( the creditors ) to notify the agencies to delete or correct information after determining it's inaccurate. The credit bureaus are then required to update or delete it accordingly.

The creditors have fulfilled their obligation by confirming the accounts must be deleted. The credit bureaus have ignored this and continued reporting, causing harm to my credit standing.

I am requesting that the CFPB ensure these inaccurate accounts are permanently removed from my Experian, Equifax, and TransUnion credit reports immediately, and that they confirm the deletions in writing.

I have attached the creditor letters verifying the removal 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 explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My credit score dropped XXXX points in month preventing me from closing on a home to buy. The XXXX says the report they made of 90 days late on 16 accounts was their error but they have scheduled retraction by XX/XX/year> which is crazy. I now have lost a home purchase that I no longer qualify for until my score goes back to where it was. I am hiring an attorney as well.

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 2025-07-02 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: CT

Complaint narrative:
My credit score dropped XXXX points in month preventing me from closing on a home to buy. The XXXX says the report they made of 90 days late on 16 accounts was their error but they have scheduled retraction by XX/XX/year> which is crazy. I now have lost a home purchase that I no longer qualify for until my score goes back to where it was. I am hiring an attorney as well.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Dear Sirs It is almost 5 months since I sent out this money and still missing " in the XXXXXXXX XXXX XXXX'!! 
XXXX ) On XX/XX/year> I send out of my account : XXXX XXXX XXXX ( beneficiary name ) at " XXXX XXXX  '' ( or XXXX XXXX XXXX ), Account number XXXX the amount of usd {$6400.00} to HSBC bank in NY. 
USD XXXX that I transfered from my XXXX  account to a beneficiary account at XXXX Tracking detail ( XXXX generated ) XXXX. 
2 ) On ( around ) XX/XX/XXXX, I opened a complaint ID XXXX with CFPB. 
3 ) According to HSBC, letter here attached dated XX/XX/XXXX ), they needed further information in order to release the wire but they did not receive the requested info from XXXX so they proceeded to return the payment to XXXX. 
4 ) On XX/XX/XXXX, XXXX told me that : we were able to locate a payment from HSBC received on XX/XX/XXXX in the same amount ( but did not deposit it into my account due to lack of " sufficient benefficiary information '' ( in the wire transfer received from HSBC )XXXX  So XXXX returned that wire back to HSBC : XXXX XXXX ( as per attached email ). 
5 ) I then provided this upadted XXXX  to XXXX XXXX XXXX XXXX ( the beneficiary at HSBC ), and he in turn send it to HSBC asking them to retunr with a memo that clarifies my pper beneficiary account as well as the original transaction XXXX ( XXXX ). 
6 ) HSBC is not responding about this claim to XXXX XXXX XXXX despite several emails and phone calls he may have done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Date XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Ive disputed a late payment with Acima Leasing that they claim occurred in XX/XX/XXXX. Ive now sent multiple letters directly to Acima, and they still havent provided any verifiable proof of the alleged delinquency. 

What they sent was just an internal payment summary, which is not valid proof. They also admitted that the dispute I submitted in XX/XX/XXXXXXXX  wasnt properly processed due to identity verification issues but they never followed up or corrected the reporting. Instead, they left the tradeline as-is, which violates the Fair Credit Reporting Act. 

Furthermore, Acima has not provided any proof that I was properly notified in writing before the delinquency was reported. Under 15 U.S. Code 1666b, creditors must provide written notice ( such as billing statements ) at least 21 days before a due date to give consumers a fair opportunity to pay. They havent shown that this requirement was met. 

Ive made multiple good-faith attempts to resolve this directly. Now Im escalating this because Acima is continuing to report inaccurate information and refusing to verify it properly. This is damaging my credit and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NRA Group, LLC
State: PA

Complaint narrative:
Incorrect information on my credit report ( medical collection debt beyond 7 years ) Company XXXX XXXX Description : I am disputing a medical collection account that has been reported on mXXXX XXXX  credit report. The original date of first delinquency on this account was in 2017. 

According to the Fair Credit Reporting Act ( FCRA ), such accounts should be removed after 7 years from the original delinquency date. This account remains on my report past that period. 

Additionally, the collection agency appears to have reported false or misleading recent payment activity, which I did not authorize or make. This suggests unlawful re-aging of the account, in direct violation of FCRA. 

I filed a formal dispute with XXXX  but the account was not removed. I am now requesting CFPBs intervention to ensure that this outdated and inaccurately report

ed information is deleted from my credit file. Requested resolution : Immediate deleti
on of the medical collection account 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX : {$0.00} Open Date XXXX XXXX, XXXX XXXX Balance : {$1900.00} Open Date XX/XX/XXXX Inquiries IR XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX OF XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, XXXX XX/XX/XXXXXXXX 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed several discrepancies on 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 non-monetary relief
Consumer complaint received 2025-07-02 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
I called to retrieve loan information from Affirm after I saw an account listed on my credit report that I did not authorize. After providing a slew of my personal information to Affirm over the phone, they could not verify any accounts belonging to me such as the one listed on my credit report. I then submitted a " Contact Us '' request online via Affirm to report the unauthorized loan in my name. They asked for my personal information again and details about the loan. I can only see the first 4-6 digits of the loan ID. They have yet to respond to me providing my information. I filed a dispute with XXXX  on my credit report and they have deemed the Affirm Account valid and I do not agree with these dispute results. Over the last few months I have actively been working to improve my credit score and would not open an Affirm Account, this is not my affirm account and I suspect fraud and/or identity theft for this account being opened with some of my personal information. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: FL

Complaint narrative:
Dear CFPB, I recently submitted a complaint against Tesla regarding a lease agreement for a Model Y vehicle. After my complaint was submitted, Tesla deleted my entire order from their mobile app. I did not cancel the order, and I never replied " YES '' to confirm cancellation. 
I now have no access to my order, and the app treats my account as if I never made a purchase. This appears to be a deliberate action taken after my complaint to avoid accountability. 
I am requesting that this unauthorized cancellation and data removal be investigated and that Tesla refund my {$250.00} order fee. 
Thank you, XXXX XXXX ID FOR COMPLAINT SENT TO TESLA , INC . 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-02 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: TX

Complaint narrative:
XXXXThis complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted ASAP:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap."

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have {$21000.00} against my CapitalOne card. Charges were made in XXXX by same company. Have been trying to resolve this since XX/XX/year>.

Company response to consumer: Closed with explanation