vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is now my XXXX  formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-26 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:
Between XX/XX/XXXX and XX/XX/XXXX, multiple late payments ( XXXX, XXXX, XXXX, and XXXX  days ) were reported on my XXXX  XXXX account ( XXXX XXXX XXXX XXXX XXXX ) by XXXX  and Equifax, while XXXX  reflects mostly OK or significantly fewer delinquencies. 

This account was marked as in dispute, and that dispute was reported as resolved across all three credit bureaus. However, the derogatory marks were not corrected, and no documentation was ever provided by the furnisher to justify these delinquencies. 

I maintain that these late payments are inaccurate. I never received notice of delinquency, and I had previously submitted a dispute which was closed without proper verification. Continuing to report these negative marks without valid proof constitutes a violation of the Fair Credit Reporting Act, specifically : 1681i requiring credit bureaus to remove unverifiable or inaccurate data.

1681s-2 ( b ) obligating furnishers to investigate and correct errors upon notification. 

I am requesting that these late payments be immediately deleted or corrected, and that I be provided with a written confirmation of the correction. If this is not resolved promptly, I will pursue legal remedies under FCRA 1681n and 1681o for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MA

Complaint narrative:
On Friday, XX/XX/XXXX, I contacted US Bank to close my savings account, which had a balance of {$25.00}. The representative processed the closure and informed me that the transfer of funds would take a few days. I found that unusual, but agreed and requested that the balance be deposited into my existing checking account. 

Immediately after the call, I lost access to my savings account, yet the {$25.00} never appeared in my checking account. When I followed up, I was told again that the process takes a few days, which still struck me as odd. 

Fast forward to Friday, XX/XX/XXXX : I called back, only to be told that while my account closure was visible in their system, the representative couldnt determine where my funds had gone. Her best guess was that it might have been sent via check but she had no way to confirm that. She advised me to wait XXXX days and vaguely referenced XX/XX/XXXX as the actual close date. 

I have XXXX question : how does a bank not know where it sent a customer 's money? 

As of today, no one seems to know where my {$25.00} is. Its not in my checking account, and if it was sent as a check, no one can confirm it. I was also told someone would call me with an update that didnt happen either. 

This level of uncertainty and lack of accountability is baffling. Basic accounting should not be this complicated. Transferring funds from XXXX account to another is a routine process. Where is my money?

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
NCB Management Services This account is the result of identity theft. I did not authorize or open this account, and I have already disputed it with the credit bureaus. Despite providing proof that I was not involved in this debt, it remains on my credit report. This violates my rights under FCRA Section 605B. I am requesting that this item be permanently deleted and blocked from reappearing.

XXXX. XXXXXXXX XXXX XXXXXXXX I do not recognize this account and did not authorize it. It appears to have been added to my credit report in error. I have disputed it multiple times, and the bureaus have failed to provide any documentation verifying its accuracy. This is a violation of FCRA guidelines regarding unverifiable information. 



XXXX. XXXX XXXX XXXX XXXX I do not recognize this account and did not authorize it. It appears to have been added to my credit report in error. I have disputed it multiple times, and the bureaus have failed to provide any documentation verifying its accuracy. This is a violation of FCRA guidelines regarding unverifiable information. 




4. DPT ED/XXXX This account has been on my credit report for more than 7 years and should have been removed as required by the FCRA. The reported date of delinquency is inaccurate and appears to be manipulated to extend its reporting period. I am requesting that this obsolete account be immediately removed. 


XXXX XXXX I did not open this account and have no knowledge of it. It has been disputed with the credit reporting agencies, but no proper verification was provided. This account should be removed as it is not mine and has no documentation to support its presence on my file. 



XXXX. XXXX XXXX This account does not belong to me. I previously disputed it and requested removal, but it was verified without evidence or a valid investigation. This violates FCRA Section 611, which requires proper verification of disputed debts. 

I requested the removal of inaccurate hard inquiries that I did not authorize, but they remain. 

These accounts are negatively impacting my credit, and the failure to remove or accurately verify them is in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and ensure that these inaccurate or unverifiable accounts are removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT Account # XXXX I am unaware of this debt, I didnt have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send the certified receipt with my signature. Without providing the requested information above you are in violation because I have not been given a chance to dispute the alleged account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Also provide the following documents to start to satisfy the Fair Debt Collection Practices Act XXXX. * * Proof of the debt * * : I would like to receive a complete statement of the account, showing the original balance, interest, fees, payments, and any other charges that make up the total amount you claim I owe. 



XXXX. * * Chain of Assignment * * : Please provide documentation showing the complete chain of assignment for this debt, starting with the original creditor and including all subsequent parties to whom the debt was transferred or sold, up to and including XXXX XXXX. Including proof assignment or debt sale. 



XXXX. * * Account-Level Documentation * * : Including but not limited to a copy of the original signed agreement or contract, any amendments, and documentation showing all transactions equaling to every statement, which equals to the alleged balance and show the transfer of the debt, including the terms and conditions that apply. 

Provide whats stated above in separate terms than the demand below this sentence. 

If you fail to provide at least the proof of contact prior to placing this alleged debt on to my credit, within a reasonable time. I'm going to assume identity theft, because I am completely unaware this alleged debt. ( Proof of contact prior to furnishing is not a verification or validation request )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the reinsertion of an account into my credit file that had previously been removed. The account in question was deleted from my credit report following a prior dispute. However, I recently noticed that the same account has been reinserted without any advance notice, in violation of 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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Bitstamp USA, Inc.
State: SD

Complaint narrative:
Bitstamp has not responded to a single CFPB customer complaint out of XXXX submitted in the last XXXX  months. So I am submitting this complaint not in expectation of a resolution, but in order to create a record. 
I opened my Bitstamp account in XXXX. I have withdrawn more than XXXX XXXX  since then. Despite this long history of valid transactions and trusted identity, Bitstamp froze my account on XX/XX/XXXX without stating a reason, disabling withdrawals. My Bitstamp account holds XXXX XXXX, worth more than half a XXXX dollars at the time of this writing. 
I performed all the actions Bitstamp requested in response to their freezing of my account. I completed their video interview in which I held up my passport next to my face to prove my identity, among other things. I responded to their email asking me whether I logged in from the ip addresses in my Bitstamp activity history, acknowledging that yes, I recognize those logins and that I made them. And I provided supporting evidence in the form of an extensive recounting of my location and chronology in recent months, which correlates with the login ip 's. I have even more proof such as hotel booking receipts and other travel records which I could provide if asked, but Bitstamp hasn't communicated with me any further.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
There are several accounts that are showing inaccuracies that i have disputed that needs attention

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I am filing this complaint due to ongoing issues with how my auto loan servicer handles payments that exceed the monthly amount due. Each month, I submit a payment greater than the required amount with explicit instructions that the excess be applied to the principal balance of the loan. Despite this, the servicer frequently misapplies the excess toward future payments instead of reducing the principal. 

This month alone, I have called XXXX times to ensure proper allocation. Each time, Ive received conflicting information : Some representatives say applying extra funds to principal is not allowed. 

Others tell me I must wait until the full payment posts before requesting reallocation. 

Others claim the adjustment has been madewhen it clearly hasnt. 

In addition, I was advised to make a debit payment ( with a {$3.00} fee ) so the funds could be reallocated sooner. I followed their instructions and still had the excess applied incorrectly toward future payments rather than principal reduction. 

This is not an isolated incidentthis has happened consistently month after month, forcing me to waste hours trying to correct their mistakes. This practice undermines my financial goals, inflates interest costs unnecessarily, and feels deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
Ive been given multiple mail billings about money I owe. I havent made a visit to the hospital in almost a year. I called and never received a message, even left my phone number for questions and concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against all three major credit bureaus : XXXX, Equifax, and XXXX, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding disputes I submitted about inaccurate and unverified accounts on my credit reports. 


I submitted formal disputes to all three XXXX  regarding specific accounts I believe are inaccurate, unverifiable, and/or fraudulent. 
More than XXXX  days have passed since my disputes were received, and I have not received a proper response, completed reinvestigation, or sufficient verification of the accounts in question. 
The CRAs failed to remove or block the disputed accounts, despite being unable to verify them with valid documentation. 
I requested validation and original source documentation as allowed under FCRA 609 ( a ). None of the bureaus provided this. 
Additionally, the XXXX  failed to provide written results of the reinvestigation as required under FCRA 611 ( a ) ( XXXX ) and 611 ( b ). 

FCRA 611 ( a ) ( XXXX ) ( A ) Failure to investigate disputes within the required XXXX period. 
FCRA 611 ( a ) ( XXXX ) ( A ) Failure to delete or correct information that is found to be inaccurate or unverifiable. 
FCRA 611 ( b ) Failure to provide written results of the reinvestigation. 
FCRA 609 ( a ) ( XXXX ) Failure to provide documentation verifying that the information belongs to me. 
FCRA 605B Failure to block information alleged to result from identity theft, where applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
Inaccurate Date of First Delinquency ( DOFD ) ; demand for precise verification of DOFD to ensure compliance with 7-year reporting limit under FCRA Section 605 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: VA

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Between XX/XX/2024 and XX/XX/2024, multiple hard inquiries were reported on my Equifax and TransUnion credit reports by companies including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXXXXXX XXXX ), XXXX XXXX, and others. I did not apply for credit with any of these companies nor did I authorize any pull. I already disputed each inquiry directly with Equifax, Experian, and TransUnion and provided documentation, but the inquiries remain. Im requesting that CFPB investigate whether proper consumer consent was documented and that all unauthorized inquiries be removed immediately.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against all three major credit bureaus : Experian, XXXX, and TransUnion, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding disputes I submitted about inaccurate and unverified accounts on my credit reports. 

I submitted formal disputes to all three CRAs regarding specific accounts I believe are inaccurate, unverifiable, and/or fraudulent. 

More than 30 days have passed since my disputes were received, and I have not received a proper response, completed reinvestigation, or sufficient verification of the accounts in question. 

The CRAs failed to remove or block the disputed accounts, despite being unable to verify them with valid documentation.

I requested validation and original source documentation as allowed under FCRA 609 ( a ). None of the bureaus provided this.

Additionally, the CRAs failed to provide written results of the reinvestigation as required under FCRA 611 ( a ) ( 6 ) and 611 ( b ).

Violations : FCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate disputes within the required 30-day period.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete or correct information that is found to be inaccurate or unverifiable.

FCRA 611 ( b ) Failure to provide written results of the reinvestigation.

FCRA 609 ( a ) ( 1 ) Failure to provide documentation verifying that the information belongs to me.

FCRA 605B Failure to block information alleged to result from identity theft, where applicable.

I've included attached below all previous submissions documents for proof of identity no reason to stall investigation 's the refuse to comply. Documentations was sent to all three credit bureaus on XX/XX/year> and another certified copy going out today XX/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