vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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:
I am submitting this complaint regarding inaccurate and incomplete information appearing on my TransUnion credit report. 

Charged-Off / Collection Accounts I dispute the accuracy of the following accounts : XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( Reported twice, opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$2500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$560.00} ) XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) These accounts include duplicates and items with zero balances that are still being reported negatively. I am requesting TransUnion verify the accuracy, balance, and reporting status of each account and remove or correct any that can not be verified. 

Previous Address Information The following address is inaccurate or outdated and should be removed : XXXX XXXX XXXX, XXXX, XXXX  XXXX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 explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have received a response from my credit bureau. This delay is a violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NE

Complaint narrative:
On XX/XX/XXXX, I submitted an Unemployment Deferrment Request, XXXX No XXXX, starting XX/XX/XXXX ( attached ). On XX/XX/XXXX, I received a notice that they had successfully processed my request for in school deferrment ( attached ) and no payment was due. Recently, it came to my attention that the Department of Education was planning to use its XXXX tool to start garnishment proceedings against borrowers who were in default status, so I reviewed my account with Mohela and discovered that my loans were in default status and in queue for garnishment starting in XX/XX/XXXX. It appears to me that 1 my unemployment deferment request was mishandled by Mohela, and once approved, was not implemented correctly, resulting in the acceleration of my loan, putting me in default.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A collection account reported by XXXX XXXX XXXX XXXX, allegedly associated with XXXX XXXX XXXX, appears on my TransUnion credit report. 

According to the credit report, the account reflects a high balance of {$130.00} and a reported balance of {$250.00}, with a date opened of XX/XX/year>, and a date reported of XX/XX/year>. The account is listed as derogatory and placed for collection. 

More than 135 days before this reporting, I had already requested verification and disputed this alleged debt, but I did not receive documentation, verification results, or a response from TransUnion within the time required by the Fair Credit Reporting Act. 

Despite the lack of verification or response to my prior dispute, TransUnion later reported or continued reporting this collection account without providing evidence of a valid contract, billing records, or legal authority supporting the debt. 

I have never had a contractual relationship with XXXX and have never had late or unpaid balances related to XXXX services. All service accounts in my name have been paid in full. The reporting of this collection without proper verification raises concerns regarding accuracy, reinvestigation, and reinsertion procedures. 

I am requesting that TransUnion conduct a proper reinvestigation, ensure the account is verified with competent evidence, or remove the collection if it can not be verified as required by 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from credit bureau. This delay is a violation of of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.

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 2025-12-28 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:
To Whom It May Concern ; second request. 

For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXXXXXX XXXXXX/XX/year> I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act. 

They came back as Unspecified. To my understanding, it means it can not be verified. I now request that you open an investigation Let me be clear on a matter of importance : I will not accept any documentation from your investigation that does not bear my signature authorizing the furnisher to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. 
In the absence of any such documentation bearing my signature, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, I will not accept generic responses from you requesting that I deal directly with the furnisher regarding these matters. This step has already been completed. 
Sincerely,

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I I'm currently having pay garnished for very old debt. I have 2 more that are lined up to take more money for very old debt. I finally have a job to some what support me n my I'll wife and now tons ofoney is being taking for me and will be taking from me. I've contacted the creditors for years .. they keep switching dates.. I also have XXXX XXXX it's very hard for me to figure out how to help my self and I feel take. Advantage of because of this.. I can't afford a lawyer and with my wife 's upcoming procedures and loss of work I may have these garnishments are making it impossible to live a somewhat normal life please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-28 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: OH

Complaint narrative:
I identified a repossession tradeline furnished by XXXX XXXX that is being reported on my consumer credit reports. I disputed the accuracy and completeness of this information and requested verification of the reported data. 

Despite this dispute, the tradeline continues to be reported without documentation demonstrating that the information furnished is accurate, complete, and verifiable. 

In addition, the consumer reporting agencies Experian, Equifax, and TransUnion continue to report this information without evidence that a reasonable investigation was conducted.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Well I sent XXXX XXXX to a friend that I always had on XXXX and they for the first time ever my money was put on hold for review that was in XXXX XX/XX/year>. 

I never had this issue so I called my Bank Of America and they ended up asking me question about why and what the money was for and why the note which I told them that is what we call my friend its a nickname I answered and they told me in 72 hours they will have a response. Its about a month already since then and I am stressing out about this. 

Again never had an issue sending my friend money before till now.

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 2025-12-28 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: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
According to USC 15 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with the credit bureaus and its coming back verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated. 
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: ND

Complaint narrative:
I sent a ACH payment on XX/XX/year> for the amount of XXXX from my account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Usbank says the funds were sent and XXXX says they havent received.

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 2025-12-28 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: NC

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I was given information for hardship due to me losing my job after XXXX  XXXX I couldn't work. I had to move with my family in Louisiana and when I did so I worked with a shelter to help me find a job. I talked with the agent that said that the hardship offered was that I make these payments and when I do I can get of repossession status. She stated that all of the other payments will go to the back of the loan so id just be making regular payments. This last time I have rent to pay and my lights were over due I expressed this to the XXXX of the people on the phone and even expressed the hardship that was offered and she acted as if I didn't say anything about it and told me it had to be paid every XXXX until the XXXX  was paid. I only needed XXXX more days to get the extra funds and that wasn't honored. So per my counsel I was advised to make the complaint here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to ____ in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I have found an inaccurate negative item on my credit report from Chex Systems. I have contacted Chex Systems and I havent received any verifiable response. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item from report. The closure date has changed, and the amount.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I was charged {$94.00} on XX/XX/XXXX by a merchant listed as XXXX XXXX using my PayPal debit card. I do not recognize this company, do not recall authorizing any subscription or pre-authorization, and did not receive any goods or services. 
A prior charge of {$26.00} from the same merchant on XX/XX/XXXX was refunded, which indicates an issue with this merchants billing practices. 
PayPal denied my unauthorized transaction claim stating the charge was pre-authorized, but PayPal has not provided proof of my consent, contract, or authorization. PayPal also denied my item-not-received claim despite no product ever being delivered. 
I appealed the decision and PayPal denied my appeal on XX/XX/XXXX. 
I am requesting that PayPal reverse the {$94.00} charge and provide documentation showing how and when I supposedly authorized this merchant.

Company response to consumer: Closed with explanation