vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Equifax, TransUnion, and Experian have listed addresses where I have never lived. Additionally, several old accounts that are over XXXX years old are still showing up on my credit report, some even dating back as far as XXXX years. A charged-off account from XXXX years ago is still being reported as of last month. Ive noticed that collection accounts often try to reset the reporting time on charged-off accounts. 

These companies do a poor job of keeping my account information accurate. How is it possible for them to attempt to collect on the same account multiple times after they have already charged it off for taxes or profit and loss? I would appreciate your help in looking into this matter, as trying to speak with the companies has been fruitless. 

Furthermore, some of these accounts are under the wrong name, XXXX XXXX. Do you have any idea how many individuals named XXXX XXXX ( or XXXX XXXX ) there are? 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Equifax, TransUnion, and Experian have listed addresses where I have never lived. Additionally, several old accounts that are over XXXX years old are still showing up on my credit report, some even dating back as far as XXXX years. A charged-off account from XXXX years ago is still being reported as of last month. Ive noticed that collection accounts often try to reset the reporting time on charged-off accounts. 

These companies do a poor job of keeping my account information accurate. How is it possible for them to attempt to collect on the same account multiple times after they have already charged it off for taxes or profit and loss? I would appreciate your help in looking into this matter, as trying to speak with the companies has been fruitless. 

Furthermore, some of these accounts are under the wrong name, XXXX XXXX. Do you have any idea how many individuals named XXXX XXXX ( or XXXX XXXX ) there are? 


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 2025-05-05 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I am filing this formal complaint against TransUnion for ongoing negligence, non-compliance with the ( FCRA ), and unethical handling of my consumer report. Over the past five months, I have submitted five rounds of disputes regarding persistent and serious inaccuracies on my credit file, and TransUnion has continually failed to correct these errors.Despite multiple good faith efforts on my part to resolve these issues, TransUnion has Failed to conduct reasonable investigations into the disputed items, Ignored factual inaccuracies and failed to correct or remove clearly erroneous data, Violated FCRA 1681i ( a ) ( 6 ) by not providing required written results of their investigations, Demonstrated a pattern of willful noncompliance and bad faith behavior.The following accounts continue to be inaccurately reported on my credit file : XXXX XXXX Inaccurate reporting of a credit limit on a charged-off account. This has been disputed and confirmed deleted in earlier rounds, yet it continues to reappear. 
XXXX Financial Reporting an inconsistent and inaccurate payment/charge-off timeline ( XX/XX/year> payment date with a XX/XX/year> charge-off ), which contradicts standard charge-off delinquency windows. 
XXXX XXXX due balance has been inconsistently increased post charge-off with no lawful explanation. The past due amount also conflicts with the reported full balance. 
I have tried to work with TransUnion by submitting documentation and detailed explanations in every dispute round. The continued refusal to correct the above inaccuracies and to provide a full explanation of investigation results is unacceptable. This has been taking a toll on my mental heath and is causing me to become depressed. Transunion has replied to my complete with the results of the XXXX complaint stating that they updated XXXX XXXX, verified XXXX  XXXX and verified XXXX but XXXX was the account that got updated the XXXX others werent nothing fixed so Transunion is still deceitful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MO

Complaint narrative:
To whom it may concern, I am writing to dispute the following account XXXX This account is appearing on my credit report ( XXXX ) as a charge off account. My information has been exposed in several data breaches as well as I have just been made aware that my ex had several accounts in my name. 

per IRS regulations, when a creditor cancels a debt exceeding {$600.00}, they are required to file Form 1099-C and provide the consumer with a copy. This notifies the IRS and discharges the debt for tax purposes. Because a 1099-C was never provided per IRS regulation If no 1099-C was issued, then the charge-off can not legally be considered a canceled debt and must be removed from my credit file Therefore, I am requesting that you notify all the credit reporting agencies and remove this account from my credit profile.

Continuing to report this information without IRS documentation also violates FCRA 1681e ( b ) and may constitute tax fraud if the debt was supposedly canceled but not reported.

Finally, your continued reporting of inaccurate data violates my right to privacy under : FCRA 604 ( 15 U.S.C. 1681b ) limiting when and how consumer reports can be accessed or published The Gramm-Leach-Bliley Act ( GLBA ) restricting the sharing of personal financial data without explicit consumer consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have a Care Credit card through Synchrony Bank. I was on a payment plan through XX/XX/year> and then they put {$800.00} interest on card if not paid by XX/XX/year>. Our balance was XXXX which we paid on XX/XX/year> based on them agreeing to cancel {$150.00} of additional charges. The Synchrony representatives agreed to waive XXXX if I paid XXXX. We had conversations on a recorded line and when they did not waive {$150.00}, we called and asked them to listen to tapes. They did not listen to tapes and thus misrepresented themselves as inducement to get XXXX. This is fraud and unethical.

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 monetary relief
Consumer complaint received 2025-05-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems , LLC reported a {$590.00} collection account ( original creditor : XXXX  ) to XXXX XXXX XXXXXX/XX/year>, without any prior notice or communication. I do not recognize this debt and never received a validation notice within five days of reporting, violating 15 U.S.C. 1692g. They are reporting this account as active despite failing to validate, provide a signed contract, or show proof of ownership or assignment. I sent them a formal dispute and validation demand via email to their compliance department. Until validation is provided, this reporting is unlawful and misleading under FDCPA 1692e and FCRA 1681e ( b ). I do not consent to processing of unverifiable or inaccurate data, which also violates CCPA 1798.145.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I opened a Credit Karma account several years ago to monitor credit reports in one place. recently requested that my account be deleted for several reasons, to include the following. 1. I became aware that this company was selling my information and making it available to companies who were contacting me with unsolicited offers of loans and credit cards. 2. These offers claimed that no hard inquiries would be made to my credit file- this was a lie ; there are many hard inquiries. I also was led to believe that I was guaranteed acceptance for loans that I did not actually qualify for. 3. Credit Karma began interacting inappropriately with my credit file, verifying accounts without my permission or knowledge. Upon requesting that my account be DELETED, Credit Karma informed me that my account was instead deactivated. I contacted my state attorney general only to receive a letter from Credit Karma stating that my account would not be deleted by my file would be " anonymoized : '' They state : " Anonymization is a process through which a member 's personal data is rendered anonymous by removing all identifiers that link the data to an individual, including contact information.Once this process is complete, Credit Karma is unable to re-identify the data, and it no longer constitutes personal data associated with an individual. After two years, the anonymized data will be deleted. '' They claim this is what I agreed to ; at no time did I agree to allow Credit Karma the free use of my credit files to make multiple inquiries routinely, which show up as hard inquiries, or use my credit file to harvest and sell my data. I certainly never agreed to allow them to keep my data, anonymize it, and use it for unclear, unauthorized purposes. I now have no control over my own credit files and have no way of monitoring or being made aware of how my data is being used. I decided to sever my relationship with this company for these and other related reasons.

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

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MA

Complaint narrative:
I submitted a valid and well-documented dispute with specific references to incomplete, inaccurate, and contradictory data you are reporting under my consumer file. Despite providing sufficient identifying information and evidence of factual errors, XXXX  failed to meaningfully respond or reinvestigate the disputed items as required by 15 U.S.C. 1681i.

No correction, deletion, or acknowledgment of the dispute was issued. Additionally, Experian failed to suppress negative reinsertions or correct Metro 2 compliance violations, all of which cause ongoing damage to my financial opportunities.

Legal Standing : Your inaction violates : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy XXXX XXXX XXXX XXXX unfair and deceptive business practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAND HOME FINANCIAL SERVICES
State: AZ

Complaint narrative:
We requested a payoff on XX/XX/XXXX after the lender would not provide payoff information to the listing real estate agent 's office. The payoff provided on the XXXX was used to close the sale of the home on XX/XX/XXXX and the wire was sent directly to the lender for the full amount provided on XX/XX/XXXX. The wire was sent back around XX/XX/XXXX or XXXX to the settlement company and the payoff was not completed. Upon calling the lending institution Friday XX/XX/XXXX, the company dug into the issue and responded today, Monday XX/XX/XXXX that the payoff amount was short {$300.00} and they returned the money. Upon calling the company per their email, to request a new payoff, they are now telling us that the home is in foreclosure and they foreclosure today. They told us to contact the foreclosure attorney at XXXX XXXX XXXX to get a new payoff including potential attorneys fees. XXXX 's does not have any record of the foreclosure in their system yet and we do not feel we should be responsible for any of these additional costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2024 XXXX XXXX XXXX XXXX. Agreed to a settlement offer with my persona ; Attorney for the amount of {$3900.00} US Dollars in 24 Monthly payments for {$150.00} with zero interest payments. Instead Midland Credit Management data base is currently displaying a total balance amount of {$4900.00} even after I have successfully made 14 monthly payments for {$150.00} which amounts to {$2100.00} dollars of the {$3900.00} agreed upon in the settlement. Several months ago I contacted XXXX and I was told to contact my attorney and then only will they get the amounts corrected in their system. After being contacted by my Attorney XXXX is still misreporting the amount owed. 
On the other hand XXXX is requesting that I call in the payments Via Phone. In the Judgement XXXX stated that I make payments by logging into web site www.midlandcredit.com or by mail. When I log into their web site Midland Credit Management to make payments for the two Accounts Midland Credit Management system data does not represent the amount that was agreed upon in the Judgement but instead the balance amounts are inflated and misrepresented. 
On many occasion when I am attempting to log into their web site its difficult, often down and, also when making a payment it does not use my default payment account but purposely reflects to another account I do not have to cause the payments to reverse back. I have spoken to several representatives concerning these issues and I'm always being told its their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX I got a message from XXXX XXXX that I had a hard inquiry added to my credit report. The next day I was notified of another hard inquiry added. I froze my credit to prevent any more inquiries and called the credit card companies and advised them they are fraudulent.They were helpful in getting it stopped. On one credit application they had changed some my personal information. They used a different phone number. I have managed to get that corrected. The person responsible for this used a fake drivers license number to apply for credit which I find insane.I managed to get both of the hard inquiries off my XXXX  report but is on XXXX still

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

Complaint narrative:
I have loan with XXXX XXXX XXXX XXXX for years I pay my loan with in 30 days it never goes past 30 days payment is made lat on XX/XX/XXXX and they reported my car note as past 30 days. They did this in the past and took me a year to fix. 

Also XXXX and XXXX are on my credit and XXXX is closed and XXXX has been paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2025 XXXX XXXX  cancelled my Master Card credit card without any advance notice to me. Part of the my use of this credit card was for automatic payments to businesses for services for me. As a result some of my automatic payments were denied. On XXXX XXXX,2025 I called XXXX XXXX XXXX XXXX XXXXs to find out why my card was cancelled without any notice to me. I was told that I would receive a letter explaining why my credit card was concelled, but no other explanation was given. 
On XXXX XXXX, 2025 I received a letter ( dated XXXX XXXX,2025 ) from XXXXXXXX XXXX regarding the credit card cancellation. The letter indicated that no reason was given for the cancellation, and they would not reconsider their decision. 
I do not wish to do business with this XXXX bank, but I think that because of their inconsiderate practice of cancelling my card without any notice or reason, this bank should be banned from issuing credit cards in the USA.

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