vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with CXXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a medical collection account with XXXX XXXX opened on XX/XX/XXXX, and another medical collection account with XXXX XXXX opened on XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the 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 non-monetary relief
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal action!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 writing to formally dispute the inaccurate and unauthorized information currently appearing on my credit report. In violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information has been reported without my express written consent, leading to the inclusion of accounts that are not associated with any transactions I have personally made. This unauthorized reporting not only compromises the accuracy and integrity of my credit file but also constitutes a potential case of identity theft under 15 U.S. Code 1681c-2. I request immediate investigation and correction of these inaccuracies to restore the accuracy and fairness mandated by the FCRA.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I called XXXX and reported an unauthorized deposit of {$43000.00}. 

Check is under my name, XXXX XXXX. 

Check date XX/XX/year>. 

Check # : XXXX I learnt that Chase the bank still has not released my fund as of now. 

I already requested XXXX to file a recovery claim but have not received anything and Chase refused to release the fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is related to an earlier complaint I filed on XX/XX/2025 ( Complaint XXXX XXXXXXXX ). After filing that dispute, Experian mailed me the results under the name XXXX XXXX, which is not my legal name. This raises a serious concern of file contamination or a mixed file. 

This is a separate privacy and identity handling issue under FCRA 1681e ( b ) and the Gramm-Leach-Bliley Act ( GLBA ). I am submitting this second complaint to ensure Experian addresses the name/address error separately and formally investigates file integrity.

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 2025-04-30 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:
Upon reviewing my consumer reports, I noticed that youre reporting negative information in the form of late payments to the consumer reporting agencies in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( XXXX ) ( XXXX ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. 

Furthermore, under the Truth In Lending Act 15 USC 1666b ( a ) states that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the XXXX XXXX XXXX XXXX, XXXX failed to perform your obligation to respect and protect my privacy. 

Ive never granted you any lawful consent for you to disclose my nonpublic personal information to any nonaffiliated third party of yours nor was I given an explanation of how to exercise that nondisclosure option in accordance to 15 USC 6802.

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 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
This matter relates to a student loan I took out for my XXXX, XXXX XXXX, who is attending XXXX XXXX XXXX located in XXXX, VA. The first loan proceeds were originally issued on XX/XX/year>, in the amount of {$25000.00}. 

During the months of XXXX, XXXX and XXXX of XXXX, I made monthly payments of {$250.00} for a total of {$750.00} in payments. These payments were made to the XXXX XXXX XXXX XXXX ( XXXX ), which was servicing the student loan at the time. This loan was subsequently transferred to Aidvantage, which shows no record of these payments being made on their portal. 

I contacted Aidvantage on numerous occassions to resolve this matter. I also provided bank statements for the months of XXXX, XXXX and XXXX of XXXX  showing the disbursement of funds to XXXX. Aidvantage advised me that these payments were applied, but couldn't show me any records to demonstrate payments were, in fact, applied. When I view the account history on Aidvantage 's portal there are no payments shown for XXXX  at all. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: UT

Complaint narrative:
I attempted to pay Jefferson Capital Systems LLC on XX/XX/year>. After discovering a supposed debt collection on my credit history. Upon calling them I could not get through to anyone live person. A recorded message said I needed to call a specific number for a 3rd party to settle the debt. 
So I called XXXX, XXXX, spoke to someone and arranged a settlement, though I have no idea what the debt is for through original debt owner XXXX for {$1700.00} XXXX sent me a payoff agreement of {$870.00} in email and then the final payoff closing/settling the account, instantly upon payment Below ; They meaning Jefferson capital employees.

Now today, Jefferson capital is not admitting the debt has been paid and that I still owe the full amount. They would not accept email proof from me. Claiming they can not contact this 3rd party they admit to hiring. They refused to give me a corporate number to contact. They denied having email systems and or fax systems at all.

That it will take up to 60 days for any proof of payment to be submitted. 

Also they could not tell me what the debt was for. Only that it was from sprint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
I have no idea who company this is please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-29 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 account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-29 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: LA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$14000.00} XXXX XXXX {$810.00} XXXX {$0.00} DPT ED XXXX {$30000.00} XXXX {$1700.00} XXXX XXXX  {$400.00} XXXX XXXX XXXX {$580.00} INQUIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Truist Bank raises our monthly payment claiming there is not enough money in escrow account to cover taxes and insurance when in fact there is surplus on funds to cover both.They also add a late charge and put the next payment as unapplied funds on our statement.Ihave tried to resolve this issue but it keeps happening.It is very confusing to try and figure out what they are doing and why.Our monthly payment is on autopay from our financial institution, meaning payment is made every month at the same time.PLEASE HELP!

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 2025-04-29 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: NC

Complaint narrative:
It has come to my information that my personal information was exposed in a nationtal data breach. After reviewing my credit report I noticed some accounts that I am not familiar with. I have asked the Credit reporting Agencies for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information that I am not familiar with. 

Please find attached a copy of my drivers license, social security card, FTC report, and the copy of the XXXX report showing my information being exposed in a NATIONAL DATA BREACH and a Validation Of Debt letter.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a responsible XXXX XXXX credit card customer for the past four years. During that time, XXXX XXXX has consistently reported my accounts activity to all three major credit bureaus. Recently, I made significant payments on my account, substantially lowering my balance and improving my credit utilization rate. 

However, despite these payments being posted and cleared weeks ago, XXXX XXXX has failed to report the updated balance or utilization rate to any of the credit bureaus. This lack of timely and accurate reporting is negatively affecting my credit score and financial opportunities. 

I find this particularly troubling given that XXXX XXXX has regularly reported activity on my account while I carried a high balance. The sudden lapse in reporting after I improved my financial standing raises concerns about fair and accurate credit reporting practices. 

I am requesting that XXXX XXXX immediately report the current balance and credit utilization to the credit bureaus to ensure my credit report reflects my actual financial activity. Their failure to do so is causing me harm, and I respectfully request that the CFPB investigate this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation