vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit reports across Experian, Equifax, and TransUnion. Specifically, the reporting of my late-closed accounts is inconsistent and incorrect. XXXX XXXX XXXX XXXX XXXX, with a reported balance of {$0.00}, appears as an open account in Experian despite being closed, and similarly tied-up in TransUnion under account XXXX, also showing a balance of {$0.00}. Additionally, XXXX XXXX XXXX XXXX XXXX, showing a {$0.00} balance with late XXXX payments in XXXX, XXXX, and XXXX of XXXX, is incorrectly reported as an open account on Experian and TransUnion. These errors violate FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Info, and 605 ( a ) Obsolete Information, as these accounts should have been reported accurately as closed with correct payment history. I request immediate correction to reflect the true status of these accounts and update any outdated or misleading information, ensuring full compliance with FCRA 609 Right to Full Disclosure. 
Further, the reporting of charge-off accounts by XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5900.00}, is inconsistent and misleading. Experian lists the account as open with the last activity dated XX/XX/XXXX, while Equifax shows a last activity of XX/XX/XXXX, indicating the account status as open but currently charged off. TransUnion similarly reports the account as open with the last activity XX/XX/XXXX, yet marked as charged off. These discrepancies violate FCRA 623 ( a ) ( 2 ), 611, and 15 U.S. Code 1666 Correction of Billing Errors, as the accounts actual status and payment history are inaccurately reflected across the credit bureaus. I am requesting a full reinvestigation of these accounts, verification of the charge-off status, and correction of any inaccurate reporting to ensure the information accurately represents my true credit 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I made a check deposit on XX/XX/year> and my account was immediately restricted its been 30 days later and my account is still restricted I gave the bank all the information of the person who wrote the check I gave invoices and phone numbers I went In the bank to verify and my account is still restricted they told me a email was sent to the issuing bank which is truist bank I bank with flagstar bank. I have no access to make withdraws or deposits and they told me a email was sent on XX/XX/year> still not response I called multiple times to have it escalated I am on the verge of being evicted out my apartment have been having trouble getting back and forth to work

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 2025-11-17 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: SC

Complaint narrative:
I am submitting this complaint because after reviewing my credit reports, I discovered several serious inaccuracies across Experian, Equifax, and TransUnion that violate the Fair Credit Reporting Acts requirements for accuracy, fairness, and proper verification of consumer information. My reports contain multiple incorrect addresses, including XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX none of which belong to me or reflect any place I have lived, and these entries create a mixed file situation in violation of FCRA 607 ( b ) and 611. Additionally, several charge-off and collection accounts are being reported inaccurately, inconsistently, or without proper verification, including XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  reporting a {$17000.00} charge-off that appears incomplete and improperly validated, XXXX XXXX XXXX XXXX XXXX XXXX reporting a {$55.00} balance but not appearing in TransUnion, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting balances of {$150.00} and {$910.00} with cross-bureau inconsistencies and errors, and XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a balance of {$18000.00} without clear substantiation. These inconsistencies violate FCRA 602, 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ), which require furnishers and bureaus to ensure accuracy, completeness, and proper updating of all information. I also found unverified and questionable hard inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which do not align with any applications I initiated, violating the permissible purpose requirement of FCRA 604 ( a ) ( 3 ). Because these errors harm my creditworthiness and create confusion across multiple bureaus, I am requesting CFPB intervention to ensure each bureau conducts a lawful reinvestigation and holds furnishers accountable under FCRA 623 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 am submitting this complaint because after reviewing my credit reports, I discovered several serious inaccuracies across Experian, Equifax, and TransUnion that violate the Fair Credit Reporting Acts requirements for accuracy, fairness, and proper verification of consumer information. My reports contain multiple incorrect addresses, including XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX none of which belong to me or reflect any place I have lived, and these entries create a mixed file situation in violation of FCRA 607 ( b ) and 611. Additionally, several charge-off and collection accounts are being reported inaccurately, inconsistently, or without proper verification, including XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  reporting a {$17000.00} charge-off that appears incomplete and improperly validated, XXXX XXXX XXXX XXXX XXXX XXXX reporting a {$55.00} balance but not appearing in TransUnion, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting balances of {$150.00} and {$910.00} with cross-bureau inconsistencies and errors, and XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a balance of {$18000.00} without clear substantiation. These inconsistencies violate FCRA 602, 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ), which require furnishers and bureaus to ensure accuracy, completeness, and proper updating of all information. I also found unverified and questionable hard inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which do not align with any applications I initiated, violating the permissible purpose requirement of FCRA 604 ( a ) ( 3 ). Because these errors harm my creditworthiness and create confusion across multiple bureaus, I am requesting CFPB intervention to ensure each bureau conducts a lawful reinvestigation and holds furnishers accountable under FCRA 623 ( b ).

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 2025-11-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$14000.00} JXXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$15000.00} XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$12000.00} Account name XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXXXX/XX/XXXXXXXX {$380.00} I have never owed this company a balance, they actually had to pay me upon termination of policy so there is no way I should have a balance. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: WI

Complaint narrative:
This complaint is being filed to address extensive and inconsistent reporting across Experian, Equifax, and TransUnion regarding my late payment history and public record information, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). My XXXX XXXX XXXX accounts, with balances ranging from {$1000.00} to {$4100.00}, are being reported differently across the bureaus : Experian lists 90 days late in XXXX XXXX, 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX, while Equifax reports 90 days late in XX/XX/XXXX and 120 days late from XXXX through XX/XX/XXXX, and TransUnion reports 90 days late in XX/XX/XXXX and 120 days late from XXXX through XX/XX/XXXX. My XXXX  XXXX account, with a balance of {$28000.00}, is also reported inconsistently by all three bureaus, showing 120 days late from XX/XX/XXXX through XX/XX/XXXX, but with conflicting month-by-month entries depending on the bureau. Adding to these inaccuracies, my Chapter XXXX Bankruptcy ( Reference # XXXX ), filed on XX/XX/XXXX, is being reported with inconsistent or incomplete details across Experian, Equifax, and TransUnion, causing further harm to my creditworthiness. These discrepancies violate FCRA 607 ( b ), which requires credit reporting agencies to follow reasonable procedures ensuring maximum possible accuracy ; 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ), which require prompt reinvestigation and correction or deletion of inaccurate or unverifiable information ; 623 ( a ) ( 1 ) ( A ), which obligates furnishers to report information that is accurate and complete ; 609 ( a ) ( 1 ), which grants me the right to review all information in my file ; 611 ( d ) ( 1 ), which requires the bureaus to provide written results of reinvestigation ; and 615 ( a ), which prohibits the furnishing of inaccurate information to third parties. Ongoing noncompliance exposes the bureaus and furnishers to liability under 616 and 617 for willful or negligent violations of federal law. These pervasive inconsistencies in reporting my payment history and public records demonstrate a systemic failure by all three credit bureaus and their data furnishers to maintain accurate, verifiable, and lawful reporting practices, resulting in direct harm to my consumer rights, credit profile, and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: WI

Complaint narrative:
This complaint is being filed to address extensive and inconsistent reporting across Experian, Equifax, and TransUnion regarding my late payment history and public record information, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). My XXXX XXXX XXXX accounts, with balances ranging from {$1000.00} to {$4100.00}, are being reported differently across the bureaus : Experian lists 90 days late in XXXX XXXX, 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX, while Equifax reports 90 days late in XX/XX/XXXX and 120 days late from XXXX through XX/XX/XXXX, and TransUnion reports 90 days late in XX/XX/XXXX and 120 days late from XXXX through XX/XX/XXXX. My XXXX  XXXX account, with a balance of {$28000.00}, is also reported inconsistently by all three bureaus, showing 120 days late from XX/XX/XXXX through XX/XX/XXXX, but with conflicting month-by-month entries depending on the bureau. Adding to these inaccuracies, my Chapter XXXX Bankruptcy ( Reference # XXXX ), filed on XX/XX/XXXX, is being reported with inconsistent or incomplete details across Experian, Equifax, and TransUnion, causing further harm to my creditworthiness. These discrepancies violate FCRA 607 ( b ), which requires credit reporting agencies to follow reasonable procedures ensuring maximum possible accuracy ; 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ), which require prompt reinvestigation and correction or deletion of inaccurate or unverifiable information ; 623 ( a ) ( 1 ) ( A ), which obligates furnishers to report information that is accurate and complete ; 609 ( a ) ( 1 ), which grants me the right to review all information in my file ; 611 ( d ) ( 1 ), which requires the bureaus to provide written results of reinvestigation ; and 615 ( a ), which prohibits the furnishing of inaccurate information to third parties. Ongoing noncompliance exposes the bureaus and furnishers to liability under 616 and 617 for willful or negligent violations of federal law. These pervasive inconsistencies in reporting my payment history and public records demonstrate a systemic failure by all three credit bureaus and their data furnishers to maintain accurate, verifiable, and lawful reporting practices, resulting in direct harm to my consumer rights, credit profile, and financial 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 2025-11-17 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AK

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccuracies on my credit reports as reported by Experian, Equifax, and TransUnion. Upon review, I discovered that the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been reported inconsistently across the three bureaus. In Experian, this account is inaccurately reported as a charge-off, with late payments of 30 days in XX/XX/XXXX and 60 days in XX/XX/XXXX, despite the balance being {$0.00} and the last payment being made on XX/XX/XXXX. In Equifax, the same account is tied up with incorrect opening and last activity dates, reporting a last activity of XX/XX/XXXX, with a date opened of XX/XX/XXXX. In TransUnion, it shows a date opened of XX/XX/XXXX, last activity of XX/XX/XXXX, and last payment on XX/XX/XXXX, creating a conflicting history. These discrepancies violate FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute and Require Reinvestigation, 623 ( a ) ( 2 ) Duty to Correct and Update, and 605 ( a ) Obsolete Information, as the accounts do not reflect my true payment history, and the reporting is both inaccurate and misleading. I request a thorough reinvestigation of this account to correct the late payments, date of first delinquency, and status to reflect accurate, verified information. 
Additionally, I dispute multiple XXXX XXXX accounts that are reported inconsistently or incompletely across the XXXX bureaus. XXXX XXXX XXXXXXXX shows a balance of {$91.00} with late payments of 30 days in XX/XX/XXXX and 60 days in XX/XX/XXXX, reported only in Experian, and absent from Equifax and TransUnion. Similarly, XXXX XXXX XXXX, balance {$950.00}, and XXXX  XXXX XXXX, balance {$110.00}, are also reported solely in Experian with the same late payment patterns but are missing from Equifax and TransUnion. Furthermore, XXXX  XXXX XXXX, balance {$84.00}, appears only in TransUnion and is tied to open accounts on Experian, creating reporting conflicts. These reporting failures violate FCRA 15 U.S. Code 1666 Correction of Billing Errors, 1666a Creditors Restrictions During Dispute, 611 Right to Dispute Inaccurate Information, and 609 Right to Full Disclosure, as the accounts balances, late payment dates, and reporting across bureaus are inconsistent. I am requesting immediate correction of these accounts to accurately reflect balances, last activity dates, late payments, and proper reporting status across all three bureaus. 
The combined errors in both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misrepresent my creditworthiness and violate the standards established under the FCRA for maximum possible accuracy and fair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Despite being paid in full, the account continues to show late payment information.

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 2025-11-17 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: GA

Complaint narrative:
I am writing to dispute inaccurate information reported on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
The account listed below is showing as a negative closed account with a {$0.00} balance. 
Since the account is fully paid and closed, it should not continue to reflect negative status or payment history. Please verify all details of this account and remove any inaccurate or unverifiable information. 
Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Status : Closed

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