vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In 2025, a fraudulent account was reported in my name by XXXX XXXX XXXX. I submitted all required documentation to TransUnion and XXXX XXXX under the Fair Credit Reporting Act ( FCRA ) XXXX, including my FTC Identity Theft Report, police report, and proof of identity. 

Despite this, TransUnion failed to block the fraudulent tradeline within XXXX business days as required by law. On XX/XX/year>, XXXX XXXX confirmed in writing that the account was current and that prior delinquencies had been removed. However, later in 2025, they reinserted a 30 Days Late payment status for XX/XX/year> without providing the mandatory XXXX reinsertion notice. 

This reinsertion occurred after I filed a small-claims lawsuit against XXXX Solutions XXXX which appears retaliatory. The company knowingly furnished inaccurate data after admitting it was false, and TransUnion continued reporting the false data despite having my identity-theft documentation. 

These actions violate FCRA 605B ( failure to block ), 611 ( illegal reinsertion ), 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ), 623 ( a ) ( 3 ) ( failure to investigate ), and the Consumer Financial Protection Act 5536 ( a ) ( 1 ) ( B ) ( prohibited retaliation ).

As a result, my credit score dropped and I suffered financial harm while applying for a {$3.00} XXXX construction-to-permanent mortgage. I am requesting that the Servicing Solutions tradeline be permanently deleted, that TransUnion confirm compliance with FCRA 605B, and that the CFPB investigate both companies for willful and retaliatory violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I am disputing inaccurate and illegal credit reporting by a credit credit XXXX bank and TransUnion. 

The account shows multiple violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. Missing Date of First Delinquency ( DOFD ) The account is reported as a charge-off, but there is no month or year listed for when the first delinquency occurred. Without this, the account may never be removed and continues to harm my credit score. 


XXXX. Impossible payment history The account opened and closed within a few months but is reported as XXXX days late. This timeline is impossible. 


XXXX. Unauthorized consumer statements added The remark First payment never received appears twice, and I did not write, submit, or authorize it. 


XXXX. Incorrect balance and limit The account shows a balance higher than the credit limit, without explanation. 


XXXX. No estimated removal date The required removal date is missing, preventing accurate reporting. 


XXXX. Dispute handled improperly I previously disputed the account through the credit bureau, but the reporting became more negative, and required dates and accurate information were still not provided. 



I am requesting that the companies provide verifiable documentation of the delinquency and all required reporting fields. If they can not, I request that this account be deleted from my credit report, as the reporting is incomplete, inconsistent, and not compliant with FCRA standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NJ

Complaint narrative:
I had initiated remittance of {$1000.00} on XX/XX/year> for my family in XXXX as they needed money for medical treatment. I was promised that it will be done by end of XXXX or at the XXXX XX/XX/XXXX. I have been following with them everyday since then and I get the same standard response everyday that there is an issue with the software in the partner bank and it will be fixed in XXXX days and I will receive my funds. It is XX/XX/XXXX today and till today they have not done the transfer. My family in XXXX is in urgent need of the money for medical treatment. I have asked the company to refund my money so that I can use some other company but they are not willing to refund stating that they can not refund as transaction has already been initiated. 

Name of the company : Abound ( website - XXXX XXXX XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX I am filing this complaint because TransUnion repeatedly refused to conduct a lawful reinvestigation under the Fair Credit Reporting Act and used an identity verification request as an improper barrier to avoid addressing a legitimate dispute, even after I submitted direct written proof from the original creditor. 

This complaint is not about the account itself that account has since been removed by the furnisher. The issue is TransUnions illegal dispute-handling tactics, which violate multiple sections of the FCRA and XXXX me at risk of future inaccurate reporting. 

Summary of What Happened : I disputed an inaccurate account on my TransUnion report and provided written proof from XXXX Bank confirming that the account belonged to XXXX XXXX XXXX, not me ( XXXX ). 

XXXX letter confirmed : XXXX. I have no active accounts with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: MN

Complaint narrative:
My vehicle was repossessed and the account was charged off by XXXX XXXX XXXX Despite this, I am still receiving automated emails and notifications stating that my scheduled payments are declined, due, or requiring me to make a payment. 

XXXX example is an email stating that a scheduled payment of {$300.00} for account number XXXX was declined and that I must contact them to make a payment. This account should not have ANY active billing, auto-draft attempts, or payment schedules because the vehicle was already repossessed and the account charged off. 

These communications represent improper collection attempts and appear to violate multiple consumer protection laws, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ), 1692e ( 10 ), 1692f ( False or misleading representation of a debt ; deceptive methods to collect a debt ; unfair practices. ) Consumer Financial Protection Act ( UDAAP ) 12 U.S.C. 5531 ( Unfair or deceptive acts or practices by attempting to collect payments on an account that has been closed/charged off. ) Minnesota Statutes 332.37 ( Prohibits misleading collection communications and attempts to collect amounts not authorized by law. ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( Furnishers must report accurate information. Sending billing and payment-due notices suggests the account is still open and actively owed, which directly contradicts a charged-off/repossession status. ) Because they continue to treat the account as active and due for payment, the information being furnished to the credit bureaus is inaccurate and misleading. 

Per FCRA 15 U.S.C. 1681s-2 ( a ) and ( b ), I am requesting that this account be removed from my credit reports entirely due to these violations and the continued furnishing of false, misleading, and inconsistent information. 

I am requesting the CFPB XXXX XXXX XXXX XXXX XXXX 1. Stop all automated billing/payment notifications.

2. Confirm in writing that the account is closed and no payments remain scheduled.

3. Correct or delete the account from all credit bureaus due to the inaccurate, misleading reporting and ongoing violations.

4. Provide an accounting if they claim any deficiency balance is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THIS COMPLAINT IS BEING SUBMITTED BY XXXX XXXX XXXX. I SPEAK ON MY OWN BEHALF. 

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a new complaint against XXXX XXXX XXXX because their prior response was incomplete, inaccurate, and failed to meet federal reinvestigation standards. I was not given a fair opportunity to respond before my previous CFPB case was closed. 
Time Financing continues to furnish inaccurate and inconsistent information to Equifax, including : Charge-off balance and past-due amount listed as identical Missing Date Closed Responsibility listed as Undesignated Term Duration listed as 0 months Multiple months of reporting with no verified date of last activity New reporting updates as of XX/XX/year>, despite failing to validate Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are mandated to conduct a reasonable investigation upon notification by the CFPB. XXXX XXXX, however, failed to fulfill this obligation. Instead, they demanded that I provide proof of their own reporting inaccuracies, a clear violation of their statutory duties. 
In addition, XXXX XXXX failed to provide : Proof of contract Complete payment history Accounting of the charged-off amount Validation of the alleged debt Documentation supporting any balance being legally owed Failure to validate or substantiate a debt before continued reporting violates FCRA 1681i, FCRA 1681e ( b ) ( accurate reporting requirement ), and North Carolina XXXX XXXX XXXX, which requires documentation of ownership and verification before collecting or furnishing information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation