vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate and unverifiable items on my credit report, but these entries continue to be reported without proper correction or verification. The disputed items include late-closed and inaccurately reported accounts such as XXXX with a XXXX balance, XXXX XXXX with a balance of {$480.00}, XXXX XXXX with a balance of {$160.00}, XXXX XXXX  with a balance of {$3000.00}, XXXX with a XXXX balance, XXXX XXXX  with a balance of {$4500.00}, XXXX with a balance of {$2100.00}, XXXX with a balance of {$1200.00}, and XXXX XXXX with a balance of {$2400.00}, along with numerous inquiries and account entries including 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 and others that continue to appear without a proper reinvestigation response. Despite the protections under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ), which require access to accurate data, a complete reinvestigation, and maximum possible accuracy, these items remain unresolved and improperly reported.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against XXXX XXXX XXXX XXXX due to their ongoing failure to issue the replacement check they promised. 
On XX/XX/XXXX, XXXX told me they would issue a check because the gift card was not working with the merchant I needed. Since then, I have contacted them multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) because the check never arrived. 
Each time I called, I was told to wait XXXX business days, despite speaking with supervisors who gave different instructions : XX/XX/XXXX XXXX XXXX : Told me to call back on XX/XX/XXXX if the check had not arrived so they could re-issue it. 
XX/XX/XXXX Representative XXXX : XXXX I needed to wait again XXXX business days. 
XX/XX/XXXX XXXX XXXX : Repeated the same timeframe. Only after I asked for a higher supervisor did he say he would email the Back Office Department to re-issue the check. He told me I should receive it by XXXX, but he did not provide written confirmation or proof that it was actually sent. 
The information Ive received has been inconsistent and contradictory, and the issue remains unresolved more than a month later. 
I am requesting CFPB assistance to : Confirm that XXXX has issued the check, Provide proof of mailing or tracking, and Address their repeated delays and inconsistent information. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

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 2025-11-24 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:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have verified multiple accounts on my credit report that contain clear FCRA violations, illegal re-aging, contradictory account statuses, and impossible payment histories. I previously disputed these accounts directly with all three bureaus, and they failed to conduct a lawful, reasonable investigation as required by FCRA 611 ( a ) ( 1 ) ( A ). The bureaus verified information that is factually incorrect, internally inconsistent, and legally impossible, which constitutes willful noncompliance. 

The inaccurate accounts are : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Across all four accounts, the credit bureaus are reporting : Illegal re-aging of the Date of First Delinquency ( FCRA 623 ( a ) ( 5 ), 605 ( c ), FACTA 312 ) Multiple charge-off months, which is impossible because a charge-off is a one-time event ( FCRA 623 ( a ) ( 1 ) ( A ) ) Late payments reported AFTER repossession or AFTER charge-off, which is prohibited ( FCRA 623 ( a ) ( 2 ) ) Contradictory statuses, such as charged off, written off, and past due being reported simultaneously ( FCRA 607 ( b ) ) Inaccurate status updated dates that do not match the timeline of delinquency Past-due balances being reported on closed/charged-off accounts, which is factually impossible Continuous derogatory updating on closed accounts, which is misleading and harmful ( FCRA 602 ( A ) ) Each of these items is a direct violation of the Fair Credit Reporting Act.

The bureaus ' verification of this data proves that no reasonable investigation was performed, and the information verified is not accurate, not complete, and not verifiable. Under FCRA 611 ( a ) ( 5 ), unverifiable or inaccurate information must be deleted. 

I am requesting CFPB assistance because the credit bureaus continue to allow these false accounts and illegal reporting practices to remain on my credit file even after being disputed.

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 2025-11-24 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: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and conflicting items on my credit reports with Experian, Equifax, and TransUnion, which violate my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1666, 1666a, 1681g, 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 2 ), 1681s-2 ( b ), 1681c, 1681d, 1681e, and related provisions ; specifically, my XXXX XXXX  accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) report multiple 30- and 60-day late payments with balances ranging from {$1200.00} to {$1400.00} inconsistently across TU, EX, and EQ despite timely payments according to my records, my XXXX XXXX  accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX report {$21000.00} with XXXX XXXX late payments in XX/XX/XXXX XXXX XXXX and XXXX while XXXX shows {$20000.00} with no late payments, my XXXX  account ( XXXXXXXX XXXX XXXX XXXX  ) shows XXXX XXXX late payments in XX/XX/XXXX and balances between {$34000.00} and {$34000.00} with inconsistent last activity and open dates across all three bureaus, closed accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to report 30- and 60-day late payments despite XXXX balances, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report incorrect late payment dates and balances, all of which constitute failures by the furnishers to comply with 611 dispute procedures, 623 ( a ) ( 1 ) ( A ) responsibilities, 623 ( a ) ( 2 ) duty to correct and update, 623 ( b ) duty to investigate, 605 ( a ) on obsolete information, 609 right to full disclosure, and 1666/1666a correction of billing errors and restrictions during disputes, causing material harm to my creditworthiness and financial opportunities.

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 2025-11-24 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:
I am submitting this complaint regarding inaccurate, outdated, and unverifiable information on my credit reports from TransUnion, Experian, and Equifax. All three reports list incorrect addresses, including 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 are reported with inaccurate balances or beyond permissible reporting periods, violating FCRA 605 ( a ) ( 4 ), 605 ( c ), and 623 ( a ) ( 1 ) ( A ). My reports also include a repossession with XXXX and multiple collection accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, which are inaccurate, unverifiable, or misleading, violating FCRA 611, 623 ( a ) ( 1 ) ( A ), and FDCPA 807-809. Additionally, inquiries such as XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, and others may be unauthorized or outdated, violating FCRA 604 ( a ) and 605 ( a ).

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 2025-11-24 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: TX

Complaint narrative:
Experian repeatedly reported inaccurate and fraudulent public-record and student-loan data that was obtained from a third-party vendor without permissible purpose. After I disputed, Experian failed to conduct a lawful reinvestigation under FCRA 611, failed to verify accuracy with the actual furnisher, and continued reporting data that should have been blocked under 605B due to my active FTC Identity Theft Report ( Report # XXXX ). Experian provided no verification, no documentation, and did not correct or delete the unlawful 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 2025-11-24 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: TX

Complaint narrative:
A CHARGE-OFF DEBT FOR XXXX XXXX XXXX HAS BEEN FILED AND IS NOW TAXABLE INCOME AND SHOULD NOT BE REPORTED TO MY CONSUMER PROFILE BUT IS BEING REPORTED TO MY CREDIT PROFILE. THE DATES OF THE LAST REPORTED ACTIVITY IS DIFFERENT ACROSS ALL 3 CRAs. 

INACCURATE INFORMATION IS BEING REPORTED TO MY CREDIT PROFILE VIOLATING MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
A CHARGE-OFF DEBT FOR XXXX XXXX XXXX HAS BEEN FILED AND IS NOW TAXABLE INCOME AND SHOULD NOT BE REPORTED TO MY CONSUMER PROFILE BUT IS BEING REPORTED TO MY CREDIT PROFILE. THE DATES OF THE LAST REPORTED ACTIVITY IS DIFFERENT ACROSS ALL 3 CRAs. 

INACCURATE INFORMATION IS BEING REPORTED TO MY CREDIT PROFILE VIOLATING MY CONSUMER RIGHTS.

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 2025-11-24 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: CA

Complaint narrative:
I am filing this complaint because inaccurate and unverified information is being reported on my credit file in violation of FCRA 602, 603, 607 ( b ), 611 ( a ), and 623 ( a ). I have requested proper verification, yet the furnishers and bureaus continue reporting false late payments and an unauthorized inquiry, causing harm and financial damage. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX This address is not mine and has never been connected to me. Reporting an address I have no relationship with is a clear violation of FCRA 602 and 607 ( b ) due to failure to maintain maximum possible accuracy. This type of mixed or incorrect personal data exposes me to identity confusion and potential fraud, and the bureau must remove it immediately. 

XXXX Account # : XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  This late payment is completely inaccurate and unverifiable. I have never paid this account late, and any reporting that states otherwise violates FCRA 623 ( a ) ( 1 ) because furnishers are prohibited from reporting information they can not verify as accurate. The bureaus previous investigations were not conducted properly as required by FCRA 611 ( a ), because no documentation proving a late payment was ever produced. This must be corrected. 

XXXX XXXX Account # : XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$15000.00} * * This late payment history is false. I have never been late on this account and any negative reporting without certified proof violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ). The repeated appearance of false payment information shows a pattern of negligent reporting and failure to maintain accurate records under FCRA 607 ( b ). Remove or correct immediately. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  I dispute the reported late payment because I have no history of paying late on this account. This inaccurate data violates FCRA 623 ( a ) ( 1 ) and must not continue appearing on my consumer report unless verified with actual payment records, which have never been provided in the prior rounds of reinvestigation. Continued reporting without proof violates FCRA 611 and 607 ( b ). 

XXXX XX/XX/XXXX This inquiry is unauthorized. I did not apply for credit on this date, and the bureau is responsible under FCRA 604 and 607 ( a ) to ensure that only permissible-purpose inquiries appear on my file. Since this was done without my consent, it must be removed immediately. 

I request immediate CFPB intervention because these items violate federal law and continue to cause damage through inaccurate and unverified reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I disputed unfair charges on my credit card account in XXXX by Synchrony bank. And after talking to them and writing to them, we could not reach a settlement and hence I lodged a complaint with CFPB ( Complaint No. : XXXX ) and the dispute was resolved in my favor. While the account was in dispute, bank reported missed payment to the credit bureaus, to all the three of them. They reported 7 missed payments from XX/XX/XXXX to XXXX XXXX and from XX/XX/XXXX to XX/XX/XXXX. I did not even owe them any balance for me to make a payment and in-fact bank gave me a refund. And they came up with interest charge of less than {$5.00} when they owed me few XXXX dollars. And they again reported {$5.00} as missed payment from XXXX until XXXX, XXXX and kept on adding interest to this amount, while they could have settled that amount from the refund they were supposed to pay me. When I asked the same to the bank they mentioned that they were different departments and these two departments do not talk to each other internally. 

How fair is this to report a disputed amount as missed payment and at end the payment expected from me was {$0.00}, so am not sure what is that I missed paying. Please have all the 7 missed payments removed form the credit reports. Thanks.

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
Consumer complaint received 2025-11-24 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: WI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion that are negatively affecting my credit profile and financial standing. My reported addresses are inconsistent and inaccurate across the three bureaus, including XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX in Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX Equifax, and XXXX Wisconsin, XXXX, WI XXXX and XXXX XXXX, XXXX, WI XXXX in TransUnion, none of which fully reflect my verified residency history. Additionally, my XXXX account XXXX, with a balance of {$8900.00} and last activity on XX/XX/XXXX, is reported only in Equifax and omitted from Experian and TransUnion, resulting in incomplete and misleading reporting. Several hard inquiries are also incorrectly listed or outdated, including XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX  ( XX/XX/XXXX ) in Experian, and XXXX XXXX  ( XX/XX/XXXX ) in TransUnion, some of which I did not authorize or which exceed permissible reporting time limits. These discrepancies collectively violate the Fair Credit Reporting Act 605 ( a ), 605B, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ), as the information is inaccurate, obsolete, and has not been properly verified or updated, causing harm to my creditworthiness and financial reputation.

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