vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against TransUnion for Inaccurate Credit Reporting and Post-Closure Late Payment Reporting Date : [ XX/XX/year> ] D

ear CFPB Representative, I am writing to file a formal complaint against TransUnion for violations under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and misleading information on my credit report. Specifically, TransUnion is reporting late payments on an account that was already closed, which is both misleading and damaging to my credit standing. Once an account is closed, it should not be subject to further delinquencies unless there is clear, verifiable evidence of new obligationswhich there is not in this case.

Furthermore, my credit file includes information that is either inaccurate, does not belong to me, or lacks sufficient documentation to prove its validity or connection to me. I have disputed these accounts and items with TransUnion directly, yet they remain on my credit report without any verifiable investigation or supporting documentation provided to me.

These actionsor inactionsby TransUnion appear to be in direct violation of my rights under the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i Failure to properly reinvestigate disputed information.

15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate, incomplete, or unverifiable information after notice from a consumer.

I am requesting that the CFPB investigate TransUnions handling of my disputes and the continued presence of inaccurate and unverifiable data on my credit report. This false reporting has caused harm to my financial reputation and may impact my ability to access credit fairly.

TransUnion has also shown an unreasonable delay in handling my disputes. The FCRA requires disputes to be investigated and resolved within 30 days ( with limited exceptions ). However, TransUnion has exceeded this timeframe, failed to provide timely updates, and has not issued clear or detailed responses. This delay violates my rights as a consumer and further exacerbates the damage to my credit profile by allowing inaccurate data to persist longer than legally allowed.

I am attaching all relevant documentation, including : Any responses ( or lack thereof ) from TransUnion Identification and proof of 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 2025-07-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Locked out of my Experian account due to a selfie verification failure. The 5-minute window expired, and I was told to wait 3 days. Im at risk of identity fraud and can not freeze my credit or access my report. This delay puts me in danger. This is unacceptable.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Credit cards was open with out my knowledge or consent this company XXXX XXXX XXXX has a account in my name with a balance in the amount of {$680.00} that I have not open this account was open fraudulently with out my permission or knowledge also NAVY FEDERAL CREDIT UNION was open without my knowledge in the amount of {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-29 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute duplicate entries on my credit report regarding what appears to be the same debt being reported by two different collection agencies : Midland Credit Management Inc {$3300.00} XXXX XXXX XXXX ( XXXX ) {$3200.00} These entries are substantially similar in amount and nature and appear to be attempts to collect the same debt. Reporting the same debt more than once is a violation of my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires credit reporting agencies to ensure maximum possible accuracy of the information reported.

Additionally, if either debt is invalid or unverified, continuing to report or collect on it violates the Fair Debt Collection Practices Act ( FDCPA 807 and 809 ).

I am formally requesting : deletion of any duplicate or inaccurate listing ; Violations : FCRA 607 ( b ) Credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Reporting the same debt more than once, under different agencies, violates this provision.

FDCPA 807 ( 2 ) ( A ) Prohibits false, deceptive, or misleading representations, including the character, amount, or legal status of any debt.

FDCPA 809 If a debt is disputed, collection agencies must cease collection activity and verify the debt before continuing. Listing a disputed debt through multiple agencies without proper validation violates this right.

If you do not remove or correct these accounts within 15 days of receiving this letter, I will pursue legal action for damages and file formal Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-29 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: OR

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-29 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
Payments were late payments were reported in XXXX, XXXX, & XXXX. Tried to resolve however the company would not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine

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 2025-07-29 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 never authorized these credit checks. Their presence is concerning and could suggest fraudulent behavior. I ask that you act promptly. Attached is my evidence.

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 2025-07-29 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2800.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2700.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$10000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4600.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine

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 2025-07-29 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account # XXXX Dear XXXX, Subject : Debt Validation Request I am writing to request validation of the debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of the debt and verification of your authority to collect it. Please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of the original agreement or contract that I signed.

4. Proof that you are legally authorized to collect this debt.

Please consider this letter as a formal request for validation and verification of the debt in question. I request that all communication regarding this matter be in writing and sent to the address provided above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am formally disputing the collection account reported under XXXX XXXX, associated with XXXX XXXX XXXX, and listed as account number XXXX, with a reported balance of {$2500.00} and a date opened of XX/XX/2022. 

This account is being reported inaccurately and without proper documentation. The reported debt is based on a bed that was never delivered to me. During the COVID-19 pandemic, the item was returned to the supplier for safety reasons under then-in-place public health precautions. I have made repeated attempts to obtain proof of deliverysuch as tracking details or receipt confirmationbut none has been provided. 

In addition, I was enrolled in a payment protection program offered by XXXX that was meant to support consumers affected by COVID-19. However, despite verified hardship, XXXX unilaterally denied my coverage, stating that COVID-19-related disruption was not a valid reason to qualify. This contradicts public policies and guidance issued during the pandemic regarding forbearance, hardship relief, and consumer protection. 

This account is therefore in dispute on the following grounds : Goods not received I never received the item and request proof of delivery. 

Debt validation never provided I have not received a validation of this debt under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

Incorrect credit reporting The Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) prohibits furnishing of inaccurate or unverifiable information. 

Denial of contractual protections The rejection of my payment protection request undermines the contractual protections I was entitled to. 

I am requesting that your bureau : Initiate an immediate investigation into this account. 

Contact the furnisher ( XXXX XXXX / XXXX / XXXX ) to obtain full validation, including proof of delivery. 



Delete the account entirely if validation can not be provided. 

I request a written confirmation of the outcome of your investigation as required by law under FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Ava Finance, Inc
State: FL

Complaint narrative:
Subject : Request for Goodwill Adjustment Account # XXXX To Whom It May Concern, I am writing to respectfully request a goodwill adjustment for a late payment that was reported on my Ava Finance account ( Account # XXXX ). 

The late payment occurred on [ insert exact date or month/year ], and I take full responsibility for the oversight. At the time, I was experiencing [ brief explanation e.g., financial hardship, medical issues, job loss, or another reason ], which unfortunately led to this one missed payment. 

Since then, I have made every effort to stay on top of my financial obligations, and my payment history with Ava Finance has been strong and consistent. I value our relationship and have appreciated the services provided.

Im kindly requesting that you consider removing this late payment from my credit report as a gesture of goodwill. This adjustment would significantly help me improve my credit profile and continue to build financial stability.

Thank you for your time and understanding. I hope you will consider this request favorably. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I had a XXXX XXXX  and related medical care in XX/XX/XXXX. I received my bill after it had been run through insurance, then I set up a payment plan with the hospital to pay the amounts owed. I paid the full amounts owed directly to the hospital and the hospital shows a {$0.00} account balance. 

I have received collection notices from XXXX XXXX XXXX  ( and a debt collector prior to that ) saying I owe {$650.00} from my hospital stay in XX/XX/XXXX. I have informed XXXX XXXX XXXX  ( and the prior debt collection service ) that I have already paid all amounts owed and that I have a {$0.00} account balance. 

They have refused to clear the debt, saying only that it is my responsibility to figure out why I owe the amounts they claim I do. On XX/XX/XXXX, I spoke with a support clerk, XXXX XXXX, then a supervisor, XXXX XXXX. Both said that insurance had clawed back amounts already paid to the hospital and that I would have to resolve the matter with my insurance company. 

The notices I have received state that the original creditor is the hospital, not my insurance company. In any event, I have no record of a notice from either the hospital or my insurance company stating I owe anything further. 

I explained this, but XXXX XXXX XXXX stated the most they will do is note that the account is in dispute and put it in abatement for 30 days. I do not owe the amount. It should be cleared, not placed in collections again in 30 days. 

My last conversation with XXXX XXXX XXXX on this matter was XX/XX/XXXX.

Company response to consumer: Closed with explanation