vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-04 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: NJ

Complaint narrative:
Hello, Im reaching out because I need assistance correcting late payment marks that appeared on my closed XXXX  XXXX XXXX credit card account. I have already spoken with customer service and the credit bureaus, but they were unable to resolve the issue. Given the circumstances, Im requesting a goodwill adjustment and removal of the late payments. 

The situation is simple : XXXX  XXXX XXXX closed the credit card account on its own initiative due to inactivity, I had a $ XXXX limit. 

After the card was closed, an annual fee was chargedeven though the account was no longer active and I could not use the card. 

I was not expecting a fee on a closed account, and as a result, the charge aged without my knowledge. 

The late payments do not reflect my actual credit behavior or financial responsibility. My current credit score is XXXX so I do have excellent credit. I was not aware of the annual fee, if I knew, I would have paid it off even though I didn't use the credit card. 

This is an unusual and unfair outcome : the bank closed the account, the fee was unrelated to any usage, and the late marks stem solely from an unexpected post-closure annual fee. These factors do not accurately represent my creditworthiness and are now causing avoidable harm to my credit profile. 

I am requesting a goodwill deletion of the late payments associated with this annual fee, given : The account was not delinquent due to misuse or inability to pay The fee was applied after the bank closed the account I have a strong overall payment history I respectfully ask for your assistance in removing these late marks as a courtesy and as an accurate reflection of the situation. I will even pay for the annual fee, to get the late payment removed from my credit report. 

Thank you for your time and consideration. I appreciate any help you can provide in resolving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 disputing the following items listed on my TransUnion credit report. These accounts are inaccurately reported, and I request that they be investigated and corrected immediately. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} DEPTEDNELNET Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX CRED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-04 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: CA

Complaint narrative:
I am a consumer who is working to resolve inaccuracies on my credit report. I have identified several accounts that I believe are reported incorrectly or have discrepancies that need to be addressed. Below are the accounts in dispute, separated by bureau. 

Charged Off : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I am a consumer attempting to fix my credit and have identified discrepancies regarding my credit reports. I am requesting the removal or correction of the following information : Previous Address : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, GA XXXX Charged Off Accounts : XXXX  XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX, XX/XX/XXXX, Balance : {$600.00} XXXX XXXX, XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments : 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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/year> I sent Debt Validation Letters to XXXX XXXX XXXX, XXXX XXXX and Portfolio XXXX. They did not sufficiently supply all the information requested such as the original signed contract and an itemized breakdown. The Collectors failed to validate the debt under 15 USC 1692g, resulting in inaccurate reporting.

I also disputed via Experian but they still show these in collections and as validated. My question is how do they validate if I can't even receive the information requested? I don't think they investigated this at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
purchased one airline ticket from XXXX  XXXX, but XXXX separate loan transactions were sent to Affirm for what should have been a single purchase. I received only one ticket, confirmed under Confirmation Code XXXX and Ticket Number XXXX. I did not receive any second ticket or authorize a second transaction. 

When I contacted XXXX  XXXX  beginning XX/XX/XXXX, I requested clarification for the duplicate charge. Since that date, I have sent multiple emails seeking explanation and documentation. My most recent case with XXXX XXXX is Case ID XXXX. 

XXXX XXXX confirmed on XX/XX/XXXX ( via email from XXXX ) that they received my documents and that they are coordinating with their relevant team, and that a review would take 23 business days. However, this situation has now been going on for nearly two months, and I still do not have answers regarding the duplicate charge. 

I specifically asked XXXX XXXX to provide a Merchant ID or Order ID number for each of the two loans that were sent to Affirm. I need this information so I can determine which merchant record corresponds to my real ticket and which one represents the duplicate/unauthorized charge. Earlier today, XXXX XXXX stated that this information is confidential, even though I already verified all my personal information with them. A few hours later, I was told something different. The inconsistency in their responses raises concerns about transparency and potential mishandling. 

Without the merchant ID or order ID for each transaction, I can not confirm which charge is legitimate and which is erroneous. XXXX XXXX refusal to provide this information prevents me from resolving the dispute and makes it impossible to verify the accuracy of their billing. 

The delay, lack of clarity, and contradictory information from XXXX XXXX have caused unnecessary financial hardship, especially because Affirm continues to bill and add interest on the disputed transactions. I feel that this matter has not been handled with transparency, and given the inconsistent information, I am concerned that there may be improper activity or internal error that has not been disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
Navient is reporting my student loan account as XXXX and XXXX  days late during the XXXX federal student loan payment pause, even though no payments were due under the CARES Act. Federal student loan payments and collections were suspended from XX/XX/XXXX through XX/XX/XXXX, and servicers were required to report all accounts as current during this period. 

Despite this requirement, Navient has reported late payments on my credit reports. These late marks are inaccurate and occurred during a time when the U.S. Department of Education mandated that federally owned loans be placed in administrative forbearance with no payments due and no negative credit reporting. 

I disputed this information with XXXX, but they did not correct it. I also attempted to resolve the issue directly with Navient, but the inaccurate reporting remains. 

What I want Navient to do : Remove the inaccurate XXXX and XXXX late payments Correct the tradeline to current for all months within the CARES Act payment pause Update the correction with all three major credit bureaus ( XXXXXXXX XXXX XXXX ) Provide written confirmation of the investigation and the correction Why this matters : These inaccurate late payments have harmed my credit profile and violate the CARES Act and Department of Education servicing requirements . I am asking the CFPB to help ensure Navient corrects the reporting and complies with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
Any account thats disputed must be reviewed and taken down by the legal deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report. These accounts contain inaccurate information and I request that they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). Please find the details of the accounts in dispute below, separated by each credit bureau. 

Charged Off Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX ( Comerica Bank ) regarding the improper holding of my Social Security XXXX Insurance ( SSXXXXI ) benefits. 

On or around XX/XX/XXXX, I changed my direct deposit with XXXX  from XXXX XXXX to XXXXXXXX XXXX XXXX. Immediately after leaving the XXXX  office, I called XXXX XXXX and requested my account to be closed. I believed it was fully closed. 

However, my XXXX XXXX benefits were sent to XXXX XXXX  anyway. When I called today, the representative stated that XXXX XXXX is holding my benefits and will not release them, and will not send the funds back to SSA, unless SSA re-enrolls me into the XXXX XXXX program. She repeated that she can not issue a new card, can not reactivate my existing card, and can not return my benefits to SSA. 

This is incorrect and is causing financial hardship. 
Under 31 C.F.R. 210.10, federal payments deposited into a closed or inaccessible account must be returned to SSA, not held indefinitely. 
Under Regulation E ( 12 CFR 1005 ), I have a right to timely access to my federal benefits and to dispute errors when funds are inaccessible. 

I am currently unable to access my XXXX benefits, which affects my rent, utilities, and other required monthly expenses. SSA informed me that once XXXX XXXX returns the funds, they can immediately issue a replacement payment. XXXX XXXX is preventing this by refusing to return the funds and refusing to provide access. 

I am requesting : Immediate release or return of my XXXX  payment to SSA Correction of the error and compliance with federal benefit payment regulations Written explanation of why my funds were withheld Assurance this will not happen again in future months This mishandling of benefits is causing substantial hardship. I need the CFPB to intervene.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Jefferson Capital Systems. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Jefferson Capital Systems is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiries on my TransUnion credit report : XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my TransUnion credit report : XXXX - Account No. 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 2025-12-04 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-12-04 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of an account that the creditor/lender is reporting. This account appears only on my XXXX  credit report, and it has been reporting this way for an extended period of time. It does not appear on my XXXX XXXX XXXX reports, which raises concerns about inconsistent or inaccurate reporting. 

SANTANDER CONSUMER USA - XXXX I requested that they investigate, verify the accuracy of the information, correct any inaccuracies, and provide written confirmation of their findings. I am filing this complaint because the information remains unverified or inconsistently reported, and I have not received proper resolution from the creditor.

Company response to consumer: Closed with explanation