vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
I am writing to formally submit a second-round dispute regarding several charge-off accounts currently appearing on my Equifax, TransUnion and Experian credit report. Upon careful review of my credit file, I have identified that multiple accounts are being reported inaccurately as charge-offs or collections, despite being tied up to open accounts and having verified payment histories that do not support such negative statuses. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX  XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Under 12 C.F.R. 1022.43 and 1022.44 ( Regulation V ), Equifax, TransUnion and Experian must notify the furnishers of each disputed account and ensure that a proper reinvestigation is performed. Any inaccuracies discovered must be corrected or updated to maintain compliance with federal law.

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 2025-11-14 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a proper reinvestigation and verify the accuracy and completeness of the information in my credit file as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 

I submitted a written request for a full file reinvestigation, but the bureau did not provide the required verification, documentation, or proof that the reported information was confirmed by the original furnishers. Without this, I can not determine whether the information in my file is accurate, which violates my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MO

Complaint narrative:
I have debt that I wanted to take care of as I am working to be debt free by mid next year. I contacted IQ Data International Inc to work out a payment plan to pay off the left over debt from an apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Mo. The debt collector XXXX was only giving me one option which was to pay {$7200.00} by XX/XX/XXXX and that if I failed to meet the payment date it will lead to consequences. After being strong armed into the only payment plan I then called back as the payment plan that they set me up in by force would set me up for financial failure. I then was transferred to the supervisor who then stated that I must apply for loans and then show XXXX denial letters, and then have co-signer and show XXXX denial letters. She then told me that I need to apply for a tribal loan if neither of the options worked which I don't think I can legally do as I am not a tribal member. The other huge red flag that I am dealing with is they have not sent me a Debt Validation and they have never called me in the past and they are claiming I owe nearly {$1500.00} in interest and that I must pay it by Missouri state law. But without the report I don't know if it is legal for them to do that. I am sending a letter to them for debt validation but this company has been reported to be shady with their practices and the fact they are not willing to work with me on a more reasonable payment plan is just as concerning. I want to get this debt paid but not to the point where I can not financially hold my own when I have XXXX daughters XXXX being a newborn. I have paid {$1000.00} this week on XX/XX/XXXX and am being required to pay {$3000.00} this week and {$3200.00} the week after. I am sending a formal payment schedule stating a new payment schedule that works better for me but will still get the debt paid off by XX/XX/XXXX rather than the forced upon date of XX/XX/XXXX set by the debt collector. I am also seeking a legal representative to help me with this matter as well. But this company has been under major scrutiny for shady business practices and continues to do them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally disputing multiple inaccuracies and inconsistencies on my credit reports that violate the Fair Credit Reporting Act ( FCRA ). My rights under FCRA 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ), 605 ( a ) and 605 ( c ), and 607 ( b ) entitle me to accurate reporting and a full reinvestigation of disputed accounts. Accounts in dispute : XXXX XXXX XXXX XXXX Acct. ending XXXX ) OPEN, balance $ XXXX {$280.00}. Date of Last Activity is reported inconsistently : Experian XX/XX/XXXX, Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. These discrepancies suggest inaccurate reporting and failure to update the account properly. XXXX XXXX XXXX ( Acct. ending XXXX ) CLOSED, balance {$0.00}. Date of Last Activity : Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. The account is marked current, yet a XXXX late payment remains in the seven-year history, which may constitute obsolete or inaccurate information under 605 ( a ) and 605 ( c ). XXXX XXXX ( Acct. ending XXXX ) CHARGEOFF, balance {$690.00}, Date of Last Activity XX/XX/XXXX, but not reported on Equifax or TransUnion. This inconsistent reporting violates 607 ( b ) and 623 ( a ) ( 1 ) ( A ), and if any portion of the debt was forgiven over {$600.00}, a Form 1099-C should have been issued. Under 15 U.S.C. 1666 and 1666a, creditors are prohibited from reporting disputed amounts as delinquent while an investigation is pending. I am requesting that the credit bureaus and data furnishers conduct a full reinvestigation of these accounts, verify all reported information, and correct or delete any data that can not be fully substantiated. I also request written confirmation of the investigation results and an updated copy of 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 2025-11-14 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: AL

Complaint narrative:
I am formally disputing multiple inaccuracies and inconsistencies on my credit reports that violate the Fair Credit Reporting Act ( FCRA ). My rights under FCRA 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ), 605 ( a ) and 605 ( c ), and 607 ( b ) entitle me to accurate reporting and a full reinvestigation of disputed accounts. Accounts in dispute : XXXX XXXX XXXX XXXX Acct. ending XXXX ) OPEN, balance $ XXXX {$280.00}. Date of Last Activity is reported inconsistently : Experian XX/XX/XXXX, Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. These discrepancies suggest inaccurate reporting and failure to update the account properly. XXXX XXXX XXXX ( Acct. ending XXXX ) CLOSED, balance {$0.00}. Date of Last Activity : Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. The account is marked current, yet a XXXX late payment remains in the seven-year history, which may constitute obsolete or inaccurate information under 605 ( a ) and 605 ( c ). XXXX XXXX ( Acct. ending XXXX ) CHARGEOFF, balance {$690.00}, Date of Last Activity XX/XX/XXXX, but not reported on Equifax or TransUnion. This inconsistent reporting violates 607 ( b ) and 623 ( a ) ( 1 ) ( A ), and if any portion of the debt was forgiven over {$600.00}, a Form 1099-C should have been issued. Under 15 U.S.C. 1666 and 1666a, creditors are prohibited from reporting disputed amounts as delinquent while an investigation is pending. I am requesting that the credit bureaus and data furnishers conduct a full reinvestigation of these accounts, verify all reported information, and correct or delete any data that can not be fully substantiated. I also request written confirmation of the investigation results and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-11-14 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: PA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
The balance is cleared, but the report still shows late payments.

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 2025-11-14 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: GA

Complaint narrative:
On XX/XX/year>, XXXX publicly confirmed a data breach that exposed consumer names, Social Security XXXX, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX credit report. I do not authorize XXXX or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading reporting of several accounts on my credit report. Despite multiple prior disputes, these accounts continue to appear on my report in a manner that is both unfair and damaging to my creditworthiness. I am requesting complete removal of the accounts listed below, as their continued reporting is not supported by the applicable laws and constitutes unfair reporting. 
Accounts in Question : Late Closed Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$450.00} Charged Off Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Collection Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance Owed : {$1800.00} FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) : Right to reinvestigation of inaccurate information.

FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Obligation of furnishers to provide accurate information.

FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of consumer reports.

FCRA 605B / 15 U.S.C. 1681c-2 : Disputes regarding obsolete, outdat
ed, or unverifiable information.

FDCPA 807 15 U.S.C. 1692e : Prohibition against false, deceptive, or misleading representations.

FDCPA 809 15 U.S.C. 1692g : Validation of debts and required notices.

Despite my previous disputes, the above accounts remain on my credit report inaccurately. These accounts either have zero balances, are incorrectly reported as late or charged off, or are collections that do not reflect accurate, verifiable debts. Continued reporting of these accounts is damaging, misleading, and violates my rights under the FCRA and FDCPA.

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 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
ACE Cash Express created an unauthorized check from my bank account I have a loan with ACE Cash Express for about {$450.00} On XXXX XXXX XXXX  my bank alerted me to a suspicious check written from my account with my name on it. ACE Cash Express created and attempted to cash a check from my bank account that I never authorized, never signed, and never approved. 

I did not provide any signed check authorization, ACH authorization, or blank check. This check was created without my permission and my bank flagged it as fraud. 

This is an unauthorized debit and a violation of the Electronic Fund Transfer Act ( Regulation E ). ACE Cash Express does not have permission to draft my account or create checks in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-14 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: GA

Complaint narrative:
I am sending to bring several serious inaccuracies on my credit report to your attention. I make it a priority to monitor my credit file regularly, and during my most recent review, I identified multiple entries that have absolutely no connection to my personal history or financial activities. Discovering these errors was unsettling, as they create confusion about my identity and potentially expose me to identity-related issues that I have never experienced before. Because accuracy and integrity are essential to my credit profile, I must request immediate action in accordance with federaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-14 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:
Account Name : XXXX XXXX Account Number : XXXX No written agreement exists. I never signed or participated in any contract with this furnisher. 
Action Requested : DELETE FROM CREDIT REPORT. 

Account Name : XXXX XXXX Account Number : XXXX No written agreement exists. I never signed or participated in any contract with this furnisher. 
Action Requested : DELETE FROM CREDIT REPORT. 

FINAL DEMANDS Provide written verification procedures for each disputed account. 

Delete or block all inaccurate, unauthorized, or unverifiable information. 

Send me an updated and corrected consumer report. 

Cease all further unauthorized reporting in violation of federal law. 

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 

Respectfully, 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 2025-11-14 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: SC

Complaint narrative:
I am submiiting to formally dispute certain inaccurate late payment reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to challenge and request the correction of information that I believe to be incomplete or inaccurate. Upon reviewing my credit report, I noticed the following accounts reporting late payments that I believe are incorrect. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} late 30 days XXXX XXXXXXXX Under FCRA 623 ( a ) ( 2 ), you have a duty to ensure that all information in my credit report is accurate and up to date. Additionally, under FCRA 623 ( b ), the furnishers of this information are required to conduct a reasonable investigation into my dispute. The FCRAs Congressional Findings and Purpose ( 602 ) clearly state that consumer reports must maintain integrity, fairness, and confidentiality to protect consumers like myself from inaccuracies that could unjustly impact their financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submiiting to formally dispute certain inaccurate late payment reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to challenge and request the correction of information that I believe to be incomplete or inaccurate. Upon reviewing my credit report, I noticed the following accounts reporting late payments that I believe are incorrect. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} late 30 days XXXX XXXXXXXX Under FCRA 623 ( a ) ( 2 ), you have a duty to ensure that all information in my credit report is accurate and up to date. Additionally, under FCRA 623 ( b ), the furnishers of this information are required to conduct a reasonable investigation into my dispute. The FCRAs Congressional Findings and Purpose ( 602 ) clearly state that consumer reports must maintain integrity, fairness, and confidentiality to protect consumers like myself from inaccuracies that could unjustly impact their financial standing.

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