vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The furnisher responded with a payment summary, but it does not include any original records, contracts, or documentation proving that the reported information is accurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a data furnisher is required to maintain accurate records and fully verify any information they provide to credit reporting agencies. A simple payment history printout is not sufficient verification I am requesting documented proof, such as : Copies of the original retail installment sales contract or loan agreement. 
Complete monthly statements showing payments received and applied. 
Evidence supporting each delinquency they are reporting. 




If the furnisher can not provide original documentation, then the information being reported is unverifiable and must be deleted from my credit report under the FCRA. I respectfully request that the CFPB direct the furnisher to produce this documentation or remove the account from all credit reporting agencies. 



Thank you for your attention to this matter. I look forward to a written response confirming that proper verification has been performed or that the unverifiable information has been deleted.

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 2025-08-28 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
Hello I have received several letters from XXXX XXXX XXXX trying to collect a medical debt from XXXX XXXX in XXXX XXXX XXXX. To give some history, I did appeal the debt with my insurance company but to no avail. I contacted the XXXX XXXX to let them know I was appealing the charges and they informed me they would place my account on hold. However before I could get back to the XXXX XXXX they had turned my account over to the collection agency. I then contacted the XXXX XXXX to make payment arrangements and was denied. They informed me my account had been transferred to the XXXX XXXX. In addition I went ahead and sent a payment to the XXXX XXXX to show that I am ready and willing to pay my debt but recently received a letter form the XXXX XXXX minus the payment I sent plus additional interest which has been added. This is so unacceptable. I attempted to pay the original debt but get denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$340.00} XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$910.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting 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 explanation
Consumer complaint received 2025-08-28 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: AZ

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX  / XXXX  XXXXXXXX XXXX XXXX XXXX XXXX / XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
In compliance with USC 1681g, these incorrect accounts, which are not mine, must be removed within 15 days.

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-08-28 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: CA

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULLCITY FINANCIAL SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research BULLCITY FINANCIAL SOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
I have always made my payments on time, therefore the late payment showing up on my account profoundly disturbs me. I respectfully ask that this inaccuracy be removed right away in order to properly reflect my payment history, as it is causing needless stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-08-28 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXXXXXX XXXX XXXX  DC XXXX Subject : Request for Removal of Adverse Accounts Under 15 U.S.C. 1681c-2 Dear CFPB Representative, I am disputing the following adverse accounts that appear on my TransUnion credit report, file number [ insert file # from report ], generated on XX/XX/XXXX. Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605C ), I request the blocking and removal of these accounts as they are either inaccurate, unverifiable, or improperly reported : XXXX. XXXXXXXX XXXX XXXX XXXX  ( Acct ending XXXX ) reporting past due balances with late payments scheduled to remain until XXXX/XXXX. This reporting is unverifiable. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct ending XXXX ) reported as a charge-off despite closure. Adverse reporting beyond permissible limits must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) reported as voluntary surrender with continued delinquency updates after closure in XXXX. This is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct ending XXXX ) reporting charge-off status with ongoing updates as of XX/XX/XXXX. This account is unverifiable. 
XXXX. XXXX XXXX XXXX XXXX ( Acct ending XXXX ) listed as charge-off with balance due despite account closure. This reporting is inaccurate. 
XXXX. XXXX XXXX Account ( Acct ending XXXX ) showing charge-off and scheduled to remain until XXXX/XXXX. This reporting is unverifiable.

Per 15 USC 1681c-2, consumer reporting agencies must block the reporting of any adverse information that is inaccurate, unverifiable, or otherwise not permitted once properly disputed by the consumer. I am requesting immediate deletion of the above accounts from my file. 

If deletion is not completed, please provide the full method of verification, including the name and contact information of the furnisher of information, as required under 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 non-monetary relief
Consumer complaint received 2025-08-28 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: CA

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 XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Received a text message with my information in it. Violation of HIPPA as someone else viewed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
This credit report doesn't reflect my actual financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
A couple months ago, I signed up for a free trial of a service called XXXX, which I had planned to use to edit a single document and then cancel my free trial. My payment method for the trial was my Venmo account. I believed I had successfully canceled this free trial, until I saw a charge on my Venmo account for {$96.00} from a company called XXXX XXXX At the time, I did not know that this was related to the PDF editor, so I filed a dispute for an unauthorized charge with Venmo on XX/XX/XXXX, which was denied. I then figured out that the charge was for XXXX, which is operated by XXXX  and I reached out to them to see if I could get my money back. The representative for XXXX  informed me that Venmo had actually taken back my funds already, despite denying my claim, and had a receipt to prove it. Regardless of if Venmo actually has my money or not, they clearly had permission from the merchant to refund the money. I have contacted Venmo support several times since this happened ( only over the chat feature, as there is no way to connect to a real person via call ), and several times I have been told that my case had been elevated to account specialists who would contact me via email in XXXX days. I have never been contacted by these account specialists. I feel as though I have exhausted every option available through Venmo, and believe that this issue can only be resolved through the help of the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I owed cashless tolls to the City of New York and paid them, but each unpaid toll carried a {$100.00} violation. The City would not reduce the violations, and my registration was suspended. On or about XX/XX/XXXX, I paid MTA {$1000.00} toward the outstanding violations. After that, XXXX referred me to a third-party debt collector, Transworld Incorporated , for a payment arrangement.

I have not received a receipt for my payments and did not sign any agreement with MTA. Transworld is now threatening to re-suspend my license if I dont pay the full past-due balance. I offered to pay one month, since I fell two months behind, but they refused. I explained that I am a single mother with two children on the spectrum and need my car to get around, but they still rejected my payment. 

I need help resolving this issue and stopping the threat to suspend my registration.

Company response to consumer: Closed with explanation