vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: KS

Complaint narrative:
Subject : Formal Complaint Inaccurate and Inconsistent Credit Reporting I am filing this complaint against the credit reporting agencies Experian, Equifax, and TransUnion, as well as the furnishers XXXX XXXX and XXXX XXXX. Both accounts are being reported inaccurately and inconsistently across the three credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). 



1. XXXX XXXX XXXX XXXX ( Acct ending in XXXX / XXXX ) Experian : Reports the account as Open, balance {$450.00}, past due {$120.00}. 
Equifax : Reports the account as Closed / Charged Off, balance {$0.00}, sold to XXXX XXXX XXXX. 
TransUnion : Reports the account as Collection / Charge-Off, balance {$450.00}, remarks : Charged off as bad debt| First payment never received.

This is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), as the account can not simultaneously be open, charged off, and sold with both {$0.00} and {$450.00} balances. This inconsistent and misleading reporting is materially damaging my creditworthiness. 



2. XXXX XXXX  ( Acct ending in XXXX / XXXX ) Experian : Reports the account as Closed, balance {$950.00}, past due {$75.00}.

Equifax : Reports the account as Closed, balance {$950.00}, status : Not more than two payments past due.

TransUnion : Reports the account as Closed, balance {$950.00}, status : 30 days late, with remarks : Dispute resolved ; reported by grantor.

Once again, this is in direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) because the same account is being reported with different delinquency statuses depending on the bureau. This creates a materially misleading impression of my payment history.

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 2025-10-03 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: KS

Complaint narrative:
Subject : Formal Complaint Inaccurate and Inconsistent Credit Reporting I am filing this complaint against the credit reporting agencies Experian, Equifax, and TransUnion, as well as the furnishers XXXX XXXX and XXXX XXXX. Both accounts are being reported inaccurately and inconsistently across the three credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). 



1. XXXX XXXX XXXX XXXX ( Acct ending in XXXX / XXXX ) Experian : Reports the account as Open, balance {$450.00}, past due {$120.00}. 
Equifax : Reports the account as Closed / Charged Off, balance {$0.00}, sold to XXXX XXXX XXXX. 
TransUnion : Reports the account as Collection / Charge-Off, balance {$450.00}, remarks : Charged off as bad debt| First payment never received.

This is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), as the account can not simultaneously be open, charged off, and sold with both {$0.00} and {$450.00} balances. This inconsistent and misleading reporting is materially damaging my creditworthiness. 



2. XXXX XXXX  ( Acct ending in XXXX / XXXX ) Experian : Reports the account as Closed, balance {$950.00}, past due {$75.00}.

Equifax : Reports the account as Closed, balance {$950.00}, status : Not more than two payments past due.

TransUnion : Reports the account as Closed, balance {$950.00}, status : 30 days late, with remarks : Dispute resolved ; reported by grantor.

Once again, this is in direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) because the same account is being reported with different delinquency statuses depending on the bureau. This creates a materially misleading impression of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A bankruptcy entry appears on my credit report that I believe may be incorrect or can not be properly verified. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate credit report. I am requesting a review of this entry, and if it can not be verified, I ask that it be deleted from my 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 2025-10-03 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: FL

Complaint narrative:
I am formally disputing the accuracy of the following tradelines in my TransUnion file : XXXX. XXXX ( Acct ending [ XXXX ] ) Reported Status : Negative without any supporting Date of First Delinquency, Payment History Profile, or Amount Past Due. This is incomplete and unverifiable. 
XXXX. XXXX XXXX vs XX/XX/XXXX Duplicate/fragmented mortgage entries with conflicting statuses ( one Negative, one Positive ). This creates a materially misleading report. 
XX/XX/VICTORIA ( Acct ending [ XXXX ] ) Reported Negative, while Equifax and Experian both report the same tradeline as Positive, showing inconsistency. 
XXXX. XXXX ( Acct ending [ XXXX ] ) Reported Negative, yet also flagged Status per system : In Dispute, but not coded correctly with Compliance Condition Code XX/XX/XXXXas Metro 2 requires.

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 2025-10-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cr
edit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cr
edit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion ( XXXX XXXX ) I am disputing inaccurate and unverifiable reporting by TransUnion for the account XXXX XXXX XXXX ( Acct. XXXX ). 

This account is being furnished inconsistently across credit bureaus : TransUnion reports : Balance : {$0.00} High Balance : {$35000.00} No lates Remark : Account information disputed by consumer Last reported : XX/XX/year>XXXX XXXX reports : Balance : {$16000.00} past due High Balance : {$0.00} 430-day lates, 460-day lates, 190-day late Remarks : Dispute resolved consumer disagrees/ account disputed Last reported : XX/XX/year>XXXX XXXX does not report this account at all. 

These contradictions show that the furnishers data can not meet the accuracy requirement of FCRA 607 ( b ). It is not possible for the same account to carry both a {$16000.00} past due balance and a {$0.00} balance simultaneously, or to have multiple lates ( XXXX ) and no lates ( TransUnion ).

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have identified collection accounts on my credit report that I believe to be inaccurate. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I request that these accounts be reviewed, and if they can not be verified, they must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
The company sold a product based on having proprietary technology portal for travel booking. When I switched to XXXX some months later the platform is the EXACT SAME. And its free to allXX/XX/XXXX users They can keep any free trips they offered me with purchasing. But they need to release me from this contract because they are not the only company that offers the platform they are selling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 60

5B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIESXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$32000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
early 2025, my auto insurance policy with XXXX XXXX XXXX was unexpectedly shown as canceled in their mobile app. Later, XXXX XXXX admitted this was an app bug and that my policy had not actually been canceled. Because I believed the policy was canceled, I moved to a different insurer. 
In XX/XX/year>, I received a collection notice from Credit Collection Service ( XXXX XXXX XXXX, XXXX, MA XXXX, XXXX ) claiming I owed XXXX XXXX {$220.00}. This was the first time I learned that XXXX XXXX had continued billing me for one extra month without my knowledge. 
I contacted XXXX XXXX ( representative XXXX XXXX  ) and they acknowledged the app issue and agreed to adjust the amount to {$92.00}. Although I disagreed, I paid the {$92.00} in good faith and provided proof of payment and my email correspondence with XXXX XXXX to Credit Collection Service. I also provided written confirmation from XXXX XXXX that my policy now has a zero balance. 
However, Credit Collection Service refused to accept the corrected balance and continues to pursue the original {$220.00}. They have ignored the zero balance confirmation from XXXX XXXX and keep sending me harassing text messages about a debt that no longer exists. This is unfair and damaging to me, and I am concerned it will affect my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation