vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-13 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

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 2025-11-13 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: IL

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

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 2025-11-13 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am disputing the derogatory account being reported by ZIONSDEBTHOL ( Zions Debt Holdings ) because the information they are furnishing appears to be inaccurate, unvalidated, and inconsistent across the credit reporting agencies. When reviewing my credit reports, I noticed that Zions Debt Holdings is reporting a charge-off/collection account with a past-due balance that does not align with any original creditor records or billing history. 

I filed a dispute with the credit reporting agencies and specifically requested that Zions Debt Holdings provide verification of the account. I asked for documentation such as the original creditor agreement, proof of ownership, chain of assignment, itemized billing statements, and the records used to justify the reported past-due balance and delinquency status. Instead of providing documentation, the bureaus responded with generic statements claiming the account was verified, without explaining how the verification was performed or supplying any validation records. 

Zions Debt Holdings did not provide any original documents showing that they legally own the debt or that the reported balance is accurate. No validation was supplied to prove the amount owed, the dates of delinquency, the validity of the collection claim, or any transfer history showing how Zions Debt Holdings obtained the account. Without these documents, the accuracy of their reporting can not be confirmed. 

There are also discrepancies between the credit bureaus regarding the Zions Debt Holdings account. Different bureaus show different delinquency dates, balance amounts, and status information, which indicates that the information being furnished is neither consistent nor reliable. If each bureau is displaying different account details, it suggests that the reporting is not being properly validated. 

Additionally, the account was not marked as disputed even after my disputes were submitted. Furnishers are required to add this notation once a dispute is filed, and failing to do so gives lenders an inaccurate impression of the situation. 

Because Zions Debt Holdings has not provided validation, is reporting inconsistent information, and has not demonstrated that the derogatory information is accurate or complete, I am requesting that the company and the credit reporting agencies conduct a full reinvestigation using original documentation and remove the account if it can not be verified.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am submitting this filing to dispute several items listed on my Equifax credit report. After reviewing my report, I believe the following accounts and inquiries are inaccurately reported, and I request a thorough investigation into these items. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1100.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am writing to dispute the following inaccuracies on my credit reports with the three major credit bureaus. Please find the details of the disputed accounts below, separated by each bureau. 

Inquiries : XXXX XXXXXXXX, Date : XXXX Late Payments : XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because Credit Collection Services ( CCS ) is reporting a collection account to Equifax even though they have not demonstrated any legal right to collect this alleged debt. 

On XXXX XXXX XXXX CCS added a new collection account to my XXXX  report. This caused a XXXX decrease in my XXXXredit score ( now XXXX ). The account appears as : Collection Agency : Credit Collection Services ( CCS ) Original Balance : {$2100.00} Status : Unpaid Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Date Reported : XXXX I dispute CCSs authority and legal standing to collect or report this alleged debt. CCS has never provided proper debt validation, including : Proof of ownership or assignment of the debt A complete chain of title A signed agreement or contract with my name An itemized breakdown of how the amount was calculated Any evidence establishing that CCS has a business relationship or legal claim Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activities until they provide the consumer with proper validation. CCS has not done so. 

Despite this, CCS continues to : Attempt collection Report the debt to XXXX Furnish damaging negative information Fail to mark the debt as in dispute in a timely manner These actions violate both the FDCPA and the Fair Credit Reporting Act ( FCRA ), including : FDCPA Violations 1692g ( b ) Continuing collection without validation 1692e False, deceptive, or misleading representations 1692f Unfair or unconscionable practices FCRA Violations Furnishing information that is unverified, inaccurate, or incomplete Failing to ensure maximum possible accuracy Reporting a disputed debt without appropriate investigation Because CCS can not validate this alleged debt and has not proven any legal right to collect it, they should not be furnishing information to any credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am filing a complaint regarding inaccurate or unverifiable information that Equifax continues to report. I am requesting a full reinvestigation and validation of the following accounts and items. 

Charged-Off Accounts in Dispute 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 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 XXXXXX/XX/XXXX Balance {$0.00} Reason for Dispute : Several of these accounts appear to be outdated, inaccurate, or unverifiable. I have not received documentation validating ownership, balance, or charge-off status. I request a full reinvestigation and removal of any account that can not be verified in full compliance with the FCRA. 

Inquiries in Dispute XXXX XXXX XX/XX/XXXX Reason for Dispute : I do not recall authorizing this inquiry. Please provide documentation of permissible purpose or remove it if verification can not be provided. 

Late Payments in Dispute XXXX XXXX Account No. XXXX XXXX XXXX XXXX  XXXX Account No. XXXX Reason for Dispute : The reported late payments on these accounts appear inaccurate. I request verification or removal of these delinquencies if they can not be confirmed with payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
b'My company, XXXX XXXX XXXX XXXX, is a merchant using CardConnect, which is a Fiserv company. Our merchant ID is XXXX\n\nFiserv has withheld our settlement deposits for multiple weeks without providing any explanation, timeline, or resolution. Our account is still live and processing authorizations, meaning Fiserv continues collecting funds from our customers, but Fiserv will not release the money owed to us.\n\nI submitted all documents requested by their Risk and Credit Monitoring team. I confirmed receipt multiple times. I have emailed and called repeatedly. I contacted their ISV Operations representatives as well. No one at Fiservs Risk department will respond with a status update, release date, or even confirm whether our settlements are frozen.\n\nThis situation has created significant financial risk for our business. It appears to be an abusive settlement hold with no communication and no justification. Fiserv has not complied with reasonable disclosure requirements under their merchant agreement. They have also not provided any formal notice of a freeze, reserve, or termination. They simply stopped releasing funds.\n\nI am requesting the CFPB to require Fiserv to:\n\nConfirm whether my merchant account is under a settlement hold or reserve.\n\nProvide the exact dollar amount being held.\n\nProvide the specific reason for the hold.\n\nProvide the release date for our funds.\n\nExplain why they allowed transactions to continue without releasing settlements.\n\nFiserv has been completely unresponsive at the Risk and Settlement level. This needs immediate regulatory review.\n\nContact information:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-13 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-13 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXXXXXX XXXX  account # XXXX is reported on my ChexSystems record as non-sufficient funds with a charge-off of {$410.00}, closed XXXX. I deny that this account ever legitimately incurred the reported negative balance. Despite multiple attempts to resolve this matter through mail, email, and phone calls, XXXXXXXX XXXX failed to investigate, correct, or update the reporting, in violation of 15 U.S.C. 1681s2 ( a ) and 1681i. The inaccurate reporting continues to prevent me from accessing banking services and has caused measurable financial harm.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I am filing a complaint regarding Citi/Visas handling of my credit card dispute for a coerced airline charge of {$3200.00} with XXXX XXXX ( Dispute ID : XXXX ). XXXX XXXX forced me to repurchase a ticket at the airport despite my original ticket being fully paid and confirmed. Their own written responses contradict each other and support that I was denied boarding without cause. 

I filed a dispute with Citi on XXXX. Citi initially opened the dispute but then closed it in error without contacting the merchant, which caused the charge to be re-applied to my account. When I provided additional documentation, Citi reopened the dispute, but they did not restore the conditional credit or properly code the charge as in dispute. 

Instead, Citis system is treating the disputed amount as an active owed balance, which is : generating a bill, reporting to credit bureaus, and harming my credit and my authorized users credit. 

This violates my protections under the Fair Credit Billing Act ( FCBA ) because : 1. A creditor can not bill or attempt to collect a charge under dispute ; 2. A creditor must prevent or correct adverse credit reporting on a disputed amount ; 3. A reopened dispute should be handled the same as an initial dispute ; and 4. A consumer can not be penalized for a creditors internal coding errors. 

What I have done : I contacted Citi multiple times. Citi admits the dispute is active and being reviewed, but they refuse to : put a conditional credit back on the account, or correct the coding to remove the balance from billing/credit reporting. 

This has caused documented credit score reduction for my authorized user and ongoing financial stress due to an incorrect balance that never should have appeared during an active dispute.

What I am requesting : 1. Reinstate the conditional credit for the {$3200.00} disputed charge ; 2. Correct all credit bureau reporting to show the charge as in dispute and not owed ; 3. Prevent further billing or interest on the disputed amount ; 4. Ensure Citis dispute review adheres to FCBA timelines and protections. 

I am not requesting a decision from the CFPB regarding the underlying merchant dispute only that Citi comply with federal billing laws and correct the administrative errors affecting my account and credit.

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