vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: VA

Complaint narrative:
Complaint : Misleading Credit Reporting and Lack of Effective Billing Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In XX/XX/XXXX, a {$2.00} XXXX XXXX subscription charge was automatically reassigned from my XXXX XXXXXXXX card ( which I had temporarily suspended after losing it ) to an XXXX XXXX account with XXXX XXXX XXXX XXXX without my authorization or knowledge. 
I received no billing statement by mail, email, or app notification alerting me to this balance. I was not actively using the XXXX XXXX and had no reason to check the account. 
In XX/XX/XXXX, XXXX XXXX contacted me by phone, stated that I owed {$8.00}, and explicitly said : If you dont pay now, we will report you to the credit bureaus. I paid the balance in full on that same call. Despite this immediate cure, XXXX XXXX reported the account as XXXX days delinquent to the credit bureaus. 
This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681e ( b ) ), which requires information furnished to be accurate and not misleading. Reporting me as delinquent suggests extended nonpayment, when in fact the balance was paid in full immediately upon first notice.

It also raises compliance concerns under the Truth in Lending Act and Regulation Z ( 12 CFR 1026.7 ), which require issuers to provide periodic statements with at least 21 days notice before payment is due. I received no effective notice of this balance and therefore had no opportunity to pay before delinquency reporting. 
The harm is grossly disproportionate. A {$2.00} subscription charge, reassigned without my knowledge, has resulted in more than two years of credit score damage. I have an otherwise spotless record of on-time payments and responsible credit use. The only reason my score is not in the upper XXXX is that I immigrated to the XXXX as an adult and therefore have a shorter credit history. 

Attached are Exhibits AD documenting this complaint. 

These exhibits show ( A ) the small, recurring subscription charges reassigned without my knowledge, ( B ) my immediate full payment upon notification, ( C ) the ongoing derogatory credit reporting, and ( D ) the accounts dormancy and lack of effective billing notice. 

Together, these demonstrate that XXXX XXXXXXXX XXXX XXXXXXXX reporting is misleading under the FCRA, failed to provide meaningful notice under TILA/Reg Z, and has caused disproportionate long-term harm relative to the underlying transaction.

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 2025-09-06 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-06 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:
Pursuant to USC XXXXg, these erroneous accounts must be cleared from the record within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am writing to raise concerns about several inaccuracies on my credit report that have caused unnecessary stress and confusion. While reviewing my report, I discovered that the account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a charged-off balance of {$10000.00}, is being reported three times. This duplication is misleading, as it makes it appear that I owe much more than I actually do and unfairly impacts my credit profile.XXXX XXXX XXXX  Balance {$10000.00} XXXXXXXX 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 2025-09-06 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 writing to raise concerns about several inaccuracies on my credit report that have caused unnecessary stress and confusion. While reviewing my report, I discovered that the account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a charged-off balance of {$10000.00}, is being reported three times. This duplication is misleading, as it makes it appear that I owe much more than I actually do and unfairly impacts my credit profile.XXXX XXXX XXXX  Balance {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am writing to raise concerns about several inaccuracies on my credit report that have caused unnecessary stress and confusion. While reviewing my report, I discovered that the account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a charged-off balance of {$10000.00}, is being reported three times. This duplication is misleading, as it makes it appear that I owe much more than I actually do and unfairly impacts my credit profile.XXXX XXXX XXXX  Balance {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 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: NV

Complaint narrative:
The credit review lacks a true picture of my finances.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN ( last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute Request for Permanent Deletion under FCRA and FDCPA Dear XXXX, I am formally disputing the following account appearing on my XXXX credit report : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1000.00} This account is inaccurate, incomplete, and unverifiable. Reporting a paid collection without verifiable payment history, terms, or original creditor documentation is misleading and violates the Fair Credit Reporting Act ( FCRA ) XXXX ( A ), 609, and 611, as well as the Fair Debt Collection Practices Act ( FDCPA ) 807.

Issues with this reporting : 1. Unverifiable No payment history or original documentation is provided. FCRA 609 requires disclosure.

2. Inaccurate The account is listed as Paid off, but continues to be reported as a collection. This is deceptive and damages my credit profile.

3. Incomplete Key details such as terms, responsibility, and substantiating records are missing.

4. Possible Obsolescence If the Date of First Delinquency predates XX/XX/XXXX, this account may be reporting beyond the XXXX limit allowed under FCRA 605 ( a ).

Under FCRA 611, TransUnion must conduct a reasonable reinvestigation. If the furnisher can not verify every element of this account with full supporting documentation from the original creditor, you must permanently delete this account from my file.

Further, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. TransUnion is obligated to ensure only verifiable, accurate, and complete data is reported. 

If this account is not deleted within XXXX  days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for noncompliance. 

I expect written confirmation of the deletion upon completion of your reinvestigation. 

Sincerely, 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 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In response to multiple letters I have received demanding payment of over {$14000.00} allegedly owed to Aidvantage for a student loan. Under federal law, I dispute the validity of this debt and request full validation as required. 

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I have the right to request and receive verification of any alleged debt before being compelled to make payment. I previously attempted to contact your agency and requested the original loan agreement, proof of ownership of the debt, and documentation substantiating the claimed amount. To date, you have not provided adequate verification.

Additionally, under the Fair Credit Billing Act, 15 U.S.C. 1666 and 1666b, creditors are required to provide accurate billing and resolve disputes regarding charges promptly. Your continued attempts to collect without supplying the requested documentation may constitute a violation of these statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
The credit check doesnt align with my true financial reality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I have been denied multiple times in regards to disputing this {$93.00} charge. Cash app gives a reason of " transaction was processed in accordance with the payment information received and no error occurred. 
As a result, your dispute has been denied. '' However it is clear in the documents l 've uploaded, that I was charged for both the delivery order that was cancelled ( {$93.00} ) and for the takeout order ( {$81.00} ). I didnt want to pay for a delivery fee so I cancelled the {$93.00} delivery order and placed the second order for takeout and went to the merchants store and picked up my order. I've been told by one cash app representative I spoke with, that cash app spoke with the merchant regarding the transaction of {$93.00} and they were advised by XXXX XXXX  in XXXX that they did not have the payment to refund me because it was cancelled. Another time my dispute was denied, cash app advised that " the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. '' One of the documents attached is a screenshot of an automated text from XXXX. They are one of the third party delivery service the merchant uses through their online ordering website. The screenshot of the text message shows proof that the delivery from XXXXXXXX XXXX was cancelled. Another document shows the order I placed immediately after the delivery order was cancelled and the order was for takeout which was {$81.00}. Yet cash app STILL processed the cancelled order and processed the charge for {$93.00} as well as charging me the takeout order I placed immediately after canceling the order for delivery. The ONLY order that was received was the takeout order because. If there was " no error '' or if " the merchant fulfilled their obligations for the associated transaction '', I should have been given two duplicate orders but I was not nor did I want two duplicate orders, lastly the picture of the text shows the delivery was cancelled. Why was I charged for BOTH transactions and why were BOTH processed after one was clearly CANCELED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 a victim of identity theft and unauthorized use of my personal information in violation of my rights as a consumer under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. This statute limits access to my credit report only for permissible purposes, such as with my written instruction, in connection with a credit transaction initiated by me, or under specific legal circumstances.

The accounts and inquiries currently reporting on my credit file were either opened or accessed without my knowledge, consent, or legal authorization. These actions were not initiated by me and represent an unlawful invasion of my financial privacy. 
As such, I am requesting that these accounts and inquiries be : Permanently blocked from appearing on my credit reports, and Deleted in accordance with FCRA 605B, which provides identity theft victims the right to remove fraudulent information.

Attached are documents supporting my identity and this report, including a government-issued photo ID, proof of address, and copies of the disputed credit files. 

I am exercising my full rights under federal law and expect immediate action by the credit reporting agencies and any furnishers involved. 


See attachments below

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 2025-09-06 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: MI

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
The credit review ignores key aspects of my financial character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to share my concern regarding several entries on my credit report that have caused me significant stress and confusion. While carefully reviewing my report, I discovered multiple accounts that appear to be inaccurate, misreported, or misleading, and this has affected my confidence in my financial standing.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am writing to share my concern regarding several entries on my credit report that have caused me significant stress and confusion. While carefully reviewing my report, I discovered multiple accounts that appear to be inaccurate, misreported, or misleading, and this has affected my confidence in my financial standing.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-06 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: AR

Complaint narrative:
I was affected by the XXXX Equifax data breach. Please see attached identify theft report with unknown accounts listed. 

XXXX XXXX XXXX XXXX XXXX$1100.00} XXXX XXXX XXXX XXXX {$550.00} XXXX. XXXX XXXX XXXX {$890.00} XXXX. XXXX XXXXXXXX XXXX {$16000.00} XXXX. XXXXXXXX XXXX XXXX {$350.00}

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 2025-09-06 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: NJ

Complaint narrative:
As outlined in USC 1681g, you must delete these false records within 15 days.

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 2025-09-06 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXb Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-06 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 requesting the removal of these incorrect accounts within 15 days as stated in USC 1681g.

Company response to consumer: Closed with explanation