vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
Please take this off my report and forward written documentation verifying the 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 non-monetary relief
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I XXXX XXXX D.O.B. XXXX have been a victim of 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 2025-11-15 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 Adjusters, LLC
State: KY

Complaint narrative:
I am filing a complaint regarding the handling, transfer, and reporting of an account originally held by XXXX XXXX ( Account # XXXX ) and later sold to National Credit Adjustors ( NCA ). The account was charged off, sold without my knowledge, and then placed into collections for {$840.00}. 

I was never informed by Speedy Cash that the account was being sold or transferred, nor did I authorize my personal information to be shared with NCA or any third party. 

The primary issue is that this account has been illegally re-aged and is being reported inaccurately by TransUnion and Equifax, despite being removed by Experian last month when it passed the federal XXXX reporting limit. Under 15 U.S.C. 1681c ( a ) ( 4 ) ( FCRA ), a collection account can not be reported longer than XXXX years past the Date of First Delinquency ( DOFD ). TransUnion and Equifax are both reporting an account that is no longer legally reportable. 

I have disputed this issue with both TransUnion and Equifax, and despite the clear violation and the fact that Experian has properly removed it, both bureaus refuse to delete it. This is a violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 2 ) failure to correct inaccurate information 15 U.S.C. 1681i ( a ) failure to conduct a reasonable investigation National Credit Adjustors is also reporting inaccurate information by allowing or causing this account to be re-aged, which may violate 15 U.S.C. 1692e ( 2 ) ( misrepresenting the amount or legal status of a debt ) and 15 U.S.C. 1692e ( 8 ) ( communicating false credit information ). 

This inaccurate reporting is damaging my credit, interfering with loan approvals, and causing financial harm. Since the account has already aged off of Experian, the continued reporting by TransUnion and Equifax is both inaccurate and unlawful, and appears to be negligent or intentional misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: KY

Complaint narrative:
I am filing a complaint regarding the handling, transfer, and reporting of an account originally held by Speedy Cash ( Account # XXXX ) and later sold to XXXX XXXX XXXX ( XXXX ). The account was charged off, sold without my knowledge, and then placed into collections for {$840.00}. 

I was never informed by Speedy Cash that the account was being sold or transferred, nor did I authorize my personal information to be shared with XXXX or any third party. 

The primary issue is that this account has been illegally re-aged and is being reported inaccurately by TransUnion and Equifax, despite being removed by Experian last month when it passed the federal XXXX reporting limit. Under 15 U.S.C. 1681c ( a ) ( 4 ) ( FCRA ), a collection account can not be reported longer than seven years past the Date of First Delinquency ( DOFD ). TransUnion and Equifax are both reporting an account that is no longer legally reportable. 

I have disputed this issue with both TransUnion and Equifax, and despite the clear violation and the fact that Experian has properly removed it, both bureaus refuse to delete it. This is a violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 2 ) failure to correct inaccurate information 15 U.S.C. 1681i ( a ) failure to conduct a reasonable investigation XXXX XXXX XXXX is also reporting inaccurate information by allowing or causing this account to be re-aged, which may violate 15 U.S.C. 1692e ( 2 ) ( misrepresenting the amount or legal status of a debt ) and 15 U.S.C. 1692e ( 8 ) ( communicating false credit information ). 

This inaccurate reporting is damaging my credit, interfering with loan approvals, and causing financial harm. Since the account has already aged off of Experian, the continued reporting by TransUnion and Equifax is both inaccurate and unlawful, and appears to be negligent or intentional misreporting.

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 2025-11-15 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: KY

Complaint narrative:
I am filing a complaint regarding the handling, transfer, and reporting of an account originally held by Speedy Cash ( Account # XXXX ) and later sold to XXXX XXXX XXXX ( XXXX ). The account was charged off, sold without my knowledge, and then placed into collections for {$840.00}. 

I was never informed by Speedy Cash that the account was being sold or transferred, nor did I authorize my personal information to be shared with XXXX or any third party. 

The primary issue is that this account has been illegally re-aged and is being reported inaccurately by TransUnion and Equifax, despite being removed by Experian last month when it passed the federal XXXX reporting limit. Under 15 U.S.C. 1681c ( a ) ( 4 ) ( FCRA ), a collection account can not be reported longer than XXXX years past the Date of First Delinquency ( DOFD ). TransUnion and Equifax are both reporting an account that is no longer legally reportable. 

I have disputed this issue with both TransUnion and Equifax, and despite the clear violation and the fact that Experian has properly removed it, both bureaus refuse to delete it. This is a violation of : XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 2 ) failure to correct inaccurate information 15 U.S.C. 1681i ( a ) failure to conduct a reasonable investigation XXXX XXXX XXXX is also reporting inaccurate information by allowing or causing this account to be re-aged, which may violate 15 U.S.C. 1692e ( 2 ) ( misrepresenting the amount or legal status of a debt ) and 15 U.S.C. 1692e ( 8 ) ( communicating false credit information ). 

This inaccurate reporting is damaging my credit, interfering with loan approvals, and causing financial harm. Since the account has already aged off of XXXX, the continued reporting by XXXX  and Equifax is both inaccurate and unlawful, and appears to be negligent or intentional misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 regarding the correction of billing errors, 15 U.S.

Code 1666a concerning creditor restrictions during disputes, FCRA 611 ( 15 U.S.C. 1681i ) on disputing inaccurate information with credit bureaus, FCRA 623 ( a ) ( 2 ) regarding the duty to correct and update, and FCRA 605 ( a ) on obsolete information. I have noticed that several Department of EducationXXXX DPT EDXXXX student loan accounts and XXXX XXXX XXXX XXXX XXXX XXXX accounts are reporting late payments inconsistently and inaccurately across Experian, Equifax, and TransUnion XXXX which misrepresents my payment history and overall creditworthiness. 
For example, DPT EDXXXX account XXXXXXXX XXXX XXXX XXXX XXXX  shows a balance of {$3500.00} with a date opened of XX/XX/XXXX and last reported on XX/XX/XXXX in Experian. It is inaccurately reflecting late payments of XXXX  days from XXXX to XXXX XXXX XXXX days in XXXX XXXX XXXX days in XX/XX/XXXX, and XXXX days in XX/XX/XXXX. The same account appears in Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3400.00}, date opened XX/XX/XXXX, last reported XX/XX/XXXX, showing XXXX  days late from XXXX to XX/XX/XXXX and XXXX days late in XX/XX/XXXX. On TransUnion XXXXXXXX XXXX XXXX XXXX XXXX it reports a balance of {$3500.00}, date opened XX/XX/XXXX, last reported XX/XX/XXXX, showing XXXX days late XXXX to XX/XX/XXXX and XXXX days late XX/XX/XXXX. Similarly, DPT EDXXXX accounts XXXXXXXX XXXX XXXX XXXX XXXX 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 all show late payments inconsistently across the three bureaus, ranging from XXXX to XXXX days late for overlapping periods, which does not accurately reflect my payment activity. 
Additionally, XXXX XXXX XXXX XXXX accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  are reporting late payments of XXXX days in XX/XX/XXXX, with last reported dates and last activity dates that are inconsistent between Equifax and TransUnion, causing further misrepresentation of my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: KY

Complaint narrative:
On XX/XX/year>, I opened two business checking accounts with Relay Financial ( XXXX XXXX XXXX ), a financial services provider, for my small business XXXX XXXX XXXX XXXX After approximately one week of using the accounts, Relay reached out on XX/XX/year> at XXXX XXXX XXXX to notify me that their compliance team was closing my accounts, and that my balances of > {$45000.00} would be disbursed to me via check " once the investigation process is completed. '' I reached out to Relay 's compliance team three times over the course of a week to request an update on the status of my funds, and have not received a response from them. Upon doing a brief amount of research online, it seems that I am far from the only business owner who they are illegally holding funds from after an account closure, and that in many cases it takes greater than 45 days to recover funds from a closed account. Relayfi has caused significant amounts of harm to mine and others ' businesses through illegally holding onto our funds for an extended period of time after an account closure. I request that the CFPB investigate and require Relay to immediately release my accounts ' funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AR

Complaint narrative:
I am following up on my previous complaint and formal dispute submission regarding multiple inaccurate and unverifiable accounts and inquiries appearing on my credit report. Despite my initial request for a thorough reinvestigation and validation of these accounts, I have not received an update or resolution. The accounts I referenced in my original complaint remain on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items continue to appear inaccurately, and I am concerned that the required reinvestigation and validation, as mandated by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), has not been properly 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 explanation
Consumer complaint received 2025-11-15 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: AR

Complaint narrative:
I am following up on my previous complaint and formal dispute submission regarding multiple inaccurate and unverifiable accounts and inquiries appearing on my credit report. Despite my initial request for a thorough reinvestigation and validation of these accounts, I have not received an update or resolution. The accounts I referenced in my original complaint remain on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items continue to appear inaccurately, and I am concerned that the required reinvestigation and validation, as mandated by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), has not been properly conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-15 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-15 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or before XX/XX/year> I was contacted by a company that was pretending to be XXXX XXXX XXXX, I had previously secured a {$15000.00} loan 9months prior I was called by a guy that explained he knew I had a loan with XXXX XXXX XXXX & that they were offering to remove all interest & finance on the loan due to the Pandemic. I explained to the gentleman that called I would be willing to do this as long as it wouldnt effect my credit he assured me that this would actually boost my credit & that I had nothing to worry about. Since then I have come to find out that I was involved in a Pandemic scheme I have did my research & came to find out I was actually working with another company name XXXX & that they only settle accounts I was told that the account should have been closed or reported as paid as agreed but they also said that XXXX  could report it any way they want & that they could not do anything because they are not the ones reporting. I was able to get all the credit bureaus to remove this account but Experian continues to hold on to it after speaking with XXXX I was told they dont have access to remove it because it was paid & closed & that they couldnt change the status because they no longer have access to the loan. I would like to have this item removed because after reviewing the agreement its not my signature & I never agreed to this agreement nor would I ever. I ask that this item be removed due to misleading & fraudulent forced signatures.

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 2025-11-15 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following INQUIRIES FROM THIS COMPANY : XXXX XXXX, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

I DEMAND the following INQUIRY : XXXX XXXX, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

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 2025-11-15 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am submitting a complaint regarding the following collection account that is appearing on my credit report : CREDIT COLL Account # XXXX * Date Opened : XX/XX/year> Balance Owed : {$1300.00} Status : Collection * * I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative collection account is harming my credit report without any valid basis. I am requesting a full investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

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 explanation