vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: V and H Portfolio
State: TX

Complaint narrative:
I dont know what this debt is for Ive been trying to figure it out but when trying to reach the company they tell me to just pay it with out giving me the information necessary to know exactly what Im paying for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello. I am writing to request the correction of inaccurate personal information on my credit report. I've noticed that some errors in my report, particularly the incorrect addresses listed, have caused issues with my credit applications, which is extremely frustrating. Please take action on this as soon as possible.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I request that you conduct a reasonable investigation of this item and either verify it with proper documentation or remove it entirely from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

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

Company 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 2025-06-09 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: CA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under XXXX U.S. Code XXXX ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-09 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: FL

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 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 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
XXXX payment was accidentally from the wrong account and was returned in XXXX. XXXX payment from correct account was pending for weeks and I called to inquire about it's status. I was told the payment went through on their end and to wait a day or so and it would be fine. That payment didn't go through and when I called back wasn't informed why, just that I would have to make XXXX  months payment rather than XXXX and she ( XXXX XXXX wouldn't accept any payment if not in full to get my account current. No XXXX available. I called back today to make a payment and was on hold for XXXX minutes and was disconnected. Called back to customer service and was transferred and left a voicemail. No return call. I called back and asked for a XXXX again, no XXXX available. The only answer she would give me, with attitude, was that she would transfer my call and I'd have to wait in queue again to be assisted. I've been on hold for another XXXX hour and still no attendant to make payment with. I am not allowed to make payment online, as they've closed my ability to pay online. Now I'll have to pay the fee to do by phone as well as waste my whole day being on hold, disconnected, no return calls, and no XXXX available during the last XXXX phone calls. Their lack of customer service and unfriendly policies are a barrier to me being able to pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-09 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: FL

Complaint narrative:
XXXX had reversed XXXX disputed charges that were fraudulent as I never received the services and demanded full refund after attorneys withdrew and stopped answering phonecalls. XXXX closed the cards for fraud XX/XX/year> and told CFPB the matter resolved. Then months later I was denied a mortgage due to credit reports. When I received reports in XX/XX/year> XXXX reversed XXXX charges back on the closed credit cards. I reopened the dispute in XXXX and was told from XXXX in Corporate office that the charges would be removed permanently. XXXX started receiving collection letters, texts and alerts harassing me to pay on fraudulent charge. XXXX is violating FCRA and XXXX  rule, XXXX XXXX Crimes XXXX defraud the issuer or a person that pays to obtain services. All XXXX lawyers charged card, promised to file motion to retrieve escrow money, then after months of excuses withdrew from court case without providing the service. 
My credit went from XXXX to XXXX because of this reporting, which is the only negative reporting damaging my business. I can not get a loan and buy any properties and have lost over {$700000.00} profit this year since this error occurred on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
XXXX had reversed XXXX disputed charges that were fraudulent as I never received the services and demanded full refund after attorneys withdrew and stopped answering phonecalls. XXXX closed the cards for fraud XX/XX/year> and told CFPB the matter resolved. Then months later I was denied a mortgage due to credit reports. When I received reports in XX/XX/year> XXXX reversed XXXX charges back on the closed credit cards. I reopened the dispute in XXXX and was told from XXXX in XXXX office that the charges would be removed permanently. XXXX started receiving collection letters, texts and alerts harassing me to pay on fraudulent charge. XXXX is violating FCRA and XXXX  rule, XXXX XXXX Crimes XXXX defraud the issuer or a person that pays to obtain services. All XXXX lawyers charged card, promised to file motion to retrieve escrow money, then after months of excuses withdrew from court case without providing the service. 
My credit went from XXXX to XXXX because of this reporting, which is the only negative reporting damaging my business. I can not get a loan and buy any properties and have lost over {$700000.00} profit this year since this error occurred on my credit report.

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 2025-06-09 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:
XXXX had reversed XXXX disputed charges that were fraudulent as I never received the services and demanded full refund after attorneys withdrew and stopped answering phonecalls. XXXX closed the cards for fraud XX/XX/year> and told CFPB the matter resolved. Then months later I was denied a mortgage due to credit reports. When I received reports in XX/XX/year> XXXX reversed XXXX charges back on the closed credit cards. I reopened the dispute in XXXX and was told from XXXX in XXXX office that the charges would be removed permanently. XXXX started receiving collection letters, texts and alerts harassing me to pay on fraudulent charge. XXXX is violating FCRA and XXXX  rule, XXXX XXXX Crimes XXXX defraud the issuer or a person that pays to obtain services. All XXXX lawyers charged card, promised to file motion to retrieve escrow money, then after months of excuses withdrew from court case without providing the service. 
My credit went from XXXX to XXXX because of this reporting, which is the only negative reporting damaging my business. I can not get a loan and buy any properties and have lost over {$700000.00} profit this year since this error occurred on my credit report.

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 2025-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a Virtual AMEX prepaid card from XXXX, it has balance of {$72.00} in total. Today I am trying to use it to pay for the electricity bills in XXXX. Added the card with card number, exp date, CVV, name and zip code. The transaction got declined. Called the customer service XXXX, the representative is unable to figure out the declined reason and suggest me try another merchant. I tried the paypal, and it also got declined. So basically, this card is useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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:
On XX/XX/year>, I mailed a dispute to TransUnion after reviewing my credit report and finding multiple inaccuracies and incomplete data across numerous accounts. My dispute included specific accounts where the reported information did not align with the actual payment history or lacked required data. 
Examples include : Discrepancies between the Date Opened and the start of Payment History. 
Missing payment amounts despite listing a Date of Last Payment. 
Accounts marked as charged off but still showing active XXXXedit Limits, which is inaccurate.

Long stretches of missing data in Payment History, with months labeled as " Unknown ''. 
Reporting of XXXX or Profit and Loss Write-off status in months that conflict with the actual status reported ( e.g., Current or Late ).

Failure to include required dispute notations on previously disputed accounts. 
I submitted a copy of my ID and proof of address and provided a detailed breakdown of each disputed account. I have not received any proper response or update that reflects a reinvestigation, as required by the Fair Credit Reporting Act ( XXXX  ). 
I want the CFPB to help me secure that TransUnion will properly investigate my dispute. I want to be sure that TransUnion will handle my disputes fairly and responsibly. This complaint also serves as a formal documentation of my dispute in case they refuse or delay the required investigation.

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 2025-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXX sold debt to a collection agency without my written consent company reaged debt, debt was taken off credit report and placed back on. Spring oaks capital llc bought debt from XXXX with out my written consent. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
All the inquiries on my Trans Union report, which is 22 I reached out to Trans Union called and I also use their automatic text assistant both with no help. It was a foreigner who picked up the phone. I let them know that I did not authorize these transactions, which is inquiries on my report to show me proof of it I sent in a mail letter to them, letting them know that it was me along with my last four days of my social and this was done every month for three months straight, which is 90 days and I still have not got these inquires on my report.

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 2025-06-09 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: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

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 2025-06-09 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: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company response to consumer: Closed with explanation