vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially outdated information being reported on my credit file. This pertains specifically to the account listed as : Creditor Name : XXXX XXXX Account Number : XXXX Reported Balance : {$85.00} Charge-off Status Date : XX/XX/year> or XX/XX/year> I am requesting that your office investigate this matter and validate the accuracy and completeness of the reported charge-off. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that only verifiable and accurate information is reported.

Specifically, I am disputing the following issues : The continued monthly reporting of the balance after charge-off, which may constitute re-aging.

The inconsistent reporting language across all three bureaus.

The accuracy of the {$85.00} balance post charge-off, as this amount appears unresolved without proper debt validation or notification from the original creditor.

Please provide : 1. Verification of the debt including the date of last payment and the final balance prior to charge-off. 
2. Documentation from XXXX confirming the charge-off and current balance. 
3. Clarification on whether the account is still owned by XXXX XXXX  or sold to a third party. 

If the information can not be verified within the required 30-day window, I respectfully request that it be removed from my credit file per 15 U.S.C.1681i ( a ).

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 2025-05-01 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: AZ

Complaint narrative:
TransUnion is reporting a charge-off from XXXX XXXX XXXX XXXX account number XXXX with a balance of {$0.00}, which is both inaccurate and misleading. Reporting a charge-off status on an account that shows a XXXX-XXXX  balance implies ongoing derogatory status without any substantiating delinquency or outstanding debt. This violates 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. A charge-off entry without a balance or verifiable payment history substantiating a true default raises serious concerns about the legitimacy of this entry. Furthermore, this type of vague and harmful reporting is indicative of a systemic issuelikely caused by a data breach or flawed batch processingwhich resulted in inaccurate data appearing in my credit profile without my consent or knowledge.

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 2025-05-01 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: NY

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 2025-05-02 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: MA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-01 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: AZ

Complaint narrative:
TransUnion is reporting an unauthorized hard inquiry from XXXX XXXX XXXX dated XX/XX/year>. I did not authorize this creditor or institution to access my credit file, and I have no current or pending relationship with this entity. Under 15 USC 1681b, credit inquiries must be authorized by the consumer or made with a permissible purpose. In this case, the inquiry was placed without my consent or a legitimate need, which constitutes a serious breach of my consumer rights. Additionally, this suspicious inquiry could indicate that my personal information was exposed in a data breach and improperly used by a third party.

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 2025-05-01 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX as reported on my TransUnion credit report ( File Number : XXXX ). The account was charged off and closed, yet TransUnion continues to report a balance of {$6100.00} and lists the pay status as Charged Off, with recent updates through XX/XX/year>. There has been no new consumer activity on this account. Continued monthly charge-off reporting without validation or certified reinsertion violates FCRA 1681i ( a ) ( 5 ) ( B ). XXXX XXXX has classified this account as a Profit and Loss Write-Off, yet has not issued an IRS Form 1099-C, which is required under IRS Code 6050P for canceled or discharged debts over {$600.00}. Reporting a balance and past due status post-charge-off while failing to disclose the cancellation to the IRS and consumer is materially misleading and deceptive under FCRA 1681e ( b ). This tradeline continues to cause harm to my credit profile. I respectfully request the permanent deletion of this XXXX XXXX account from my TransUnion credit file due to its unverifiable post-charge-off activity, failure to issue IRS Form 1099-C, and violation of federal credit and tax reporting laws.

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 2025-05-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

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 explanation
Consumer complaint received 2025-05-01 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: MI

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 non-monetary relief
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
Paypal paid my transaction from the wrong source. 
On XX/XX/XXXX I placed an order on XXXX in the amount of {$640.00} and I made sure my preferred method of payment on Paypal was Credit Card ending in XXXX. Today my XXXX XXXX XXXX  checking account ending in XXXX shows overdrawn because Paypal charged it instead of my selected Credit Card without my consent. I called them and they agreed that my preferred method of payment was my credit card XXXX but said that a billing agreement with XXXX from XXXX  had my Bank account as payment method. I do not remember selecting this back in XXXX, and even if I did my current selection of credit card XXXX should override something from almost XXXX years ago, I asked them to change the method of payment and they said they could not do it, they offer to dispute the transaction which meant scam XXXX  out of money when they did nothing wrong, when I did not agree to that they tried to say that maybe XXXX did not accept credit cards and that is why paypal defaulted to pay with my bank account, again without my consent and not true. Paypal led me to believe that I can change my preferred method of payment at any time and never informed me that I had to do it individually with every merchant I deal with. Never in the process of placing my order they inform me there was a conflict between my current preferred method of payment and an old billing agreement so I could make a decision. Now I am out of cash to pay my bills. This is a deceiving practice if I ever saw one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-01 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: TX

Complaint narrative:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-02 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: MA

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate and/or outdated negative information reported by ChexSystems that has resulted in me being denied the ability to open a bank account. 

I obtained a copy of my ChexSystems consumer report and found negative entries that I believe are either incorrect, incomplete, or no longer relevant based on the Fair Credit Reporting Act ( FCRA ) guidelines. I have not received sufficient documentation or explanation from ChexSystems to justify these entries. 

These negative marks are seriously affecting my ability to participate in the banking system, despite having resolved past issues or having no recent derogatory banking activity. I attempted to dispute this information but received no response or the response did not address the inaccuracy. 

I am requesting that ChexSystems thoroughly reinvestigate the negative entries and either verify them with proper documentation or remove them from my record. I also request that the CFPB ensure ChexSystems is following all FCRA compliance obligations in handling my 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
The debt collector based out of XXXX Georgia has been trying to collect a debt on the behalf a complex that I used to reside in. I have asked for validation of debt by this collector and have yet to receive it. They have also had an attorney reached out to me via mail for the debt as well. I have looked up the debt collectors license on the NMLS and according the site ( XXXX XXXX XXXX ), they do not have a license/permit to collect in the state of North Carolina. They are reporting the debt as a negative collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
Hey, im writing this complaint because A fraudulent account has appeared on my credit report under my name. When I did not open this account or give any permission to authorize it, I didnt have any knowledge of its existence until I reviewed my credit report. Now This is identity theft, and it is negatively impacting my credit score and my financial well-being.

I have already contacted all credit bureaus and filed a dispute, as well taken necessary Steps To Freeze My Credit Profile On XXXX XXXX XXXX .. However, the account is still being reported. I am now seeking CFPB help in having this account permanently removed. 
THE COMPANY XXXX XXXX  account type credit account XXXX XXXX opened XXXX account is showing on XXXX XXXX, and XXXX  XXXX want immediate deletion of this fraudulent account and {$1000.00} per violation of the FCRA I want this Fraudulent account to be fully investigated and removed from my credit report by the reporting companies and all credit reporting agencies. I also want confirmation that these accounts will not impact my credit moving forward thank you. best regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 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 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 Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
All three bureausXXXX, Experian, and Equifaxare reporting closed account activity for XXXX XXXX XXXX XXXX ( account number XXXX ) that includes past-due payment history, despite the account showing a {$0.00} balance and being closed in good standing. Reporting past-due history on a XXXX-balance, closed account that has been settled or resolved is a direct violation of 15 USC 1681e ( b ), and may also breach 15 USC 1666b if payments were not properly credited or misapplied without proper consumer notification. This misleading reporting has an unfairly negative impact on my creditworthiness and contributes to an inaccurate picture of my financial responsibility. I believe this to be a case of old data resurfacing during system updates or due to a prior data breach that exposed inaccurate or outdated records.

Company response to consumer: Closed with non-monetary relief