vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
b'I am a consumer seeking to correct inaccurate information on my credit reports to ensure that my credit history accurately reflects my financial activity.\n\nAccounts in Dispute  Charged Off:\n\nXXXX XXXX XXXX  Account: XXXX XXXX XXXX XXXX  Opened: XXXX  Amount: XXXX\n\nXXXX XXXX XXXX  Account: XXXX XXXX XXXX XXXX  OpenedXXXX XXXX  Amount: XXXX\n\nXXXX   AccountXXXX XXXX XXXX XXXX  Opened: XXXX  Amount: XXXX\n\nAddress Discrepancy:\nThe previous address listed as:\n\nXXXX XXXX XXXX XXXX, FL XXXX\nShould be corrected to:\nXXXX XXXX XXXX FL XXXX\n\nRequest: Please verify and update the accounts to ensure that all information, including balances and account status, is accurate. Correct my previous address.'

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$53000.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$2700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX Previous Addresses : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MD

Complaint narrative:
Accounts in Dispute ( Charged Off ) : XXXX XXXX XXXX XXXX Account ending XXXX, Date Opened : XX/XX/year>, Reported Balance : {$0.00} Issue Summary : I am disputing the accuracy and continued reporting of the above charged-off account. I believe this account may contain inaccurate or outdated information. I request Experian to investigate and verify all reported details, including balance, payment history, and date of last activity. If this account can not be verified under FCRA Section 611, please remove it from my credit report. 

Late Payments : XXXX  XXXX Account ending XXXX XXXX Account XXXX I am disputing the late payment notations on the accounts above. I have documentation suggesting payments were made on time or that the reported delinquencies are inaccurate. I request Experian to review payment history and correct or delete any erroneous late payment records. 

Inquiries : No disputed inquiries at this time. 

Positive Accounts : No issues with positive accounts.

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 2025-12-28 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: MD

Complaint narrative:
I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit reports by XXXX, Experian, and XXXX. Below is a detailed list of the accounts in dispute, categorized by each bureau. I am requesting that the credit bureaus thoroughly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts : XXXX XXXX XXXX , Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account # XXXX , Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account # XXXX , Date Opened : XX/XX/XXXX, Balance : {$940.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX XXXX, Account # 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 2025-12-28 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}

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 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XXXX, I purchased a XXXX XXXX phone from Best Buy for approximately {$1300.00} and opened a My Best Buy credit card issued by Citi XXXX XXXX at the time of purchase. I was told the purchase would have 0 % interest, and I made monthly payments of {$50.00} consistently for the duration of the promotion. 

At no point during the application or purchase process was I verbally informed that this was a deferred-interest promotion, nor was I told that paying {$50.00} per month would be insufficient to avoid interest. I was not clearly informed that I needed to pay a specific amount each month or pay the full balance by a specific date to avoid interest being added retroactively. 

In XX/XX/XXXX, after the promotional period ended, I discovered that approximately {$940.00} in deferred interest had been added to my account, leaving an unexpected remaining balance of around {$890.00}. This came as a shock, as I believed I was on track to complete payment for the phone based on the information provided at the time of sale. 

When I contacted Citi XXXX XXXX, I was informed that the promotional expiration and payment requirements were included in monthly statements. However, the critical nature of deferred interest and the consequences of not paying the full balance were never clearly explained or verbally disclosed when the account was opened. I relied on the information given to me at the time of purchase and acted in good faith by making consistent monthly payments. 

I believe this situation reflects inadequate disclosure and a lack of clear explanation of deferred-interest terms, which led to significant and unexpected financial harm. I am requesting a review and adjustment of the deferred interest charges, including full or partial removal of the interest assessed, as a goodwill or courtesy adjustment.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccuracies and outdated information found on my credit report. Please find the details of the accounts in dispute, categorized by bureau : XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/year>, {$0.00}. 

XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-12-28 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Previous Addresses : 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 explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
Fair Collections & Outsour is knowingly reporting and attempting to collect an unverified and disputed rental debt in the amount of {$13000.00}, allegedly owed to XXXX XXXX, despite having no lawful proof that any enforceable obligation exists. 

I have formally disputed this account and demanded validation. To date, Fair Collections & Outsour has failed and refused to provide : A copy of any signed lease or contract bearing my signature A lawful itemization justifying the alleged balance Proof of assignment or standing authorizing them to collect Verification of the date of first delinquency being reported Notwithstanding the absence of verification, Fair Collections & Outsour continues to furnish negative information to Equifax, damaging my credit and financial standing. This conduct constitutes false, deceptive, and misleading representations under 15 U.S.C. 1692e, unfair collection practices under 15 U.S.C. 1692f, and willful noncompliance with 15 U.S.C. 1692g. 

Further, by continuing to report this account after notice of dispute and without conducting a reasonable investigation, Fair Collections & Outsour is in direct violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ). 

This complaint serves as formal notice of intent to pursue all available civil remedies, including statutory damages, actual damages, attorneys fees, and costs, should this company continue reporting or attempting to collect this unverified debt. All communications and regulatory filings are being preserved for litigation. 
I am requesting immediate regulatory intervention to require Fair Collections & Outsour to either : Produce competent, admissible evidence establishing the validity and enforceability of this alleged debt ; or Immediately cease collection and permanently delete this tradeline from all consumer reporting agencies.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX  ( XXXX ) was sent to my wallet address. 

The transaction was successful and fully confirmed on XXXX. I understand XXXX may not be automatically supported, but this is a PayPal-controlled XXXX  address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/year> IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : XXXX Dear Sir or Madam, This letter is sent in response to your communication regarding the above-referenced account. I dispute this debt in its entirety and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following documentation : The name and address of the original creditor The original account number associated with this debt The total amount claimed, including a detailed itemization of interest, fees, or other charges A copy of the original signed contract or agreement bearing my signature Proof that IC System , Inc. is legally authorized to collect this debt, including the complete chain of title from the original creditor The date of last payment and the date of default Proof that the debt has not been settled, discharged, or is barred by the statute of limitations Until you provide proper validation, you must cease all collection activity, including reporting or verifying this account to any consumer reporting agency. Reporting or verifying an unvalidated debt constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you are unable to provide the requested documentation, please delete this account from all consumer credit reporting agencies and confirm the deletion in writing. 
This letter is not a refusal to pay, but a notice that your claim is disputed. Any further collection activity without proper validation will be documented. 
Sincerely, 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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX at XXXX XXXX  PST someone hacked into my Cash App Account and took all of my money. They were able to make it look like it was me by taking all of my money and moving it to my XXXX bank account and than back into Cash App than they removed my XXXX bank account entirely from my Cash App account and added their bank account and than removing all of my money into their bank account XX/XX/XXXX at XXXX XXXX  PST XXXX was instantly Transferred out of my Cash App account into their bank. Transaction number XXXX. XX/XX/XXXX XXXX XXXX  PST they sold {$40.00} of my bitcoin and added it to their account. transaction number XXXX. Later the following morning I contacted Cash App support and they did an investigation and at the end of that investigation they concluded that I was partner with the person and authorized this to happen. They only clue I have of the culprit is that their bank is called XXXX Bank, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: VA

Complaint narrative:
I am filing this CFPB Complaint to report 8 separate accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of a data breach. These accounts include : 1. XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
2. XXXX  on XX/XX/XXXX under the account number XXXX. 
3. XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX. 
4. XXXX  on XX/XX/XXXX under the account number XXXX. 
5. XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of two XXXX accounts on my XXXX XXXX credit report. The accounts are reported with multiple errors that do not reflect my actual payment history.I see on my report they are listed as XXXX but actually companies name was changed to XXXX. I used them under XXXX. I only learnt of XXXX when researching where this came from. Ive highlighted all the inaccurate entries when I submitted them to a XXXX rep ( included here ). Also of note ive made 12 out of 12 payments on the XXXX XXXX watch totaling over XXXX $ and fulfilled my obligation of 12 monthly payments yet when I go to their site its showing I still owe a last payment says 13 of 12? and says order number null? I assumed when i saw it last XXXX ( see email ) it was a glitch. There system shows in certain locations that ive completed my lease ( see youre now approved for XXXX after paying off your lease ). Also per the reps email and see 13 of 12 payments.. Ive made the 12 out of 12 payments I was contracted to for the XXXX lease totaling {$900.00} ( XXXXXXXX XXXX  XXXX ) not including the down payment! However my main issue is the inaccurate credit reporting but thought this was important to note for anyone else having payoff/site issues. My XXXX loan accurately reflects payment wise. 

Specific Issues : XXXX accounts show 120180 days past due on the XXXX  report, which is false. 
2. The accounts are showing open status and incorrect last payment dates, even though they are fully paid and closed according to the lender. Two months apart to be exact which is factually impossible. Loan term was 12 months. 
3. XXXX  reports random XXXX  numbers or placeholders in the payment histories. 
4. These errors have caused my XXXXXXXX XXXX XXXX application to be denied, despite my accounts being accurate and my credit otherwise in good standing. 

Steps Taken to Resolve : I contacted XXXX directly via email with screenshots and supporting documentation showing the accounts are fully paid and closed and all the errors. 

XXXX responded on XX/XX/year> acknowledging that the accounts are paid and closed in their internal records and asked me to provide evidence and where I saw this reporting. I submitted the requested evidence on XX/XX/year> and havent heard back. 

I filed a XXXX  complaint in XXXX which is currently under review. 

. I have disputed twice with XXXX  themselves which came back verified despite providing evidence. 

I filed a CFPB dispute with XXXX, as they incorrectly verified the accounts as accurate despite the evidence provided. They to my knowledge still have not responded to my complaint.

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 2025-12-28 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Daily emails and phone calls from a debt collector that bought the account from another company which was already settled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: NC

Complaint narrative:
Account Credit service internation # XXXX  XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not please delete account # XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation