vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: NC

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 { b } { 5 } yet they have placed a collection on my consumer report.

I am XXXX  out because this company is violating my rights under 15 U.S.C ss 1681s- 2 { A } data furnishers are required to report only accurate & complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2025-12-29 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
there is this collection company called credence resource management for the amount of XXXX dollars from com-cast. i have not received nor requested any service from XXXX this is not mine and needs to be removed for its violation in reporting inaccurately please help me correct this error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I am filing this complaint against TransUnion for reporting inaccurate and unverified information on my credit report. TransUnion has not fulfilled its obligation to ensure maximum possible accuracy as required by the Fair Credit Reporting Act. 

Charged-Off Accounts TransUnion is reporting the following charged-off accounts : XXXX XXXX XXXX ( Account ending XXXX ) Date opened XX/XX/XXXX Balance {$10000.00} XXXX XXXX  ( Account ending XXXX ) Date opened XX/XX/XXXX Balance {$4400.00} I dispute these accounts because TransUnion has not provided proper verification of the debt, including original account documentation, balance calculations, or proof that the information is accurate and current. 

Inquiries TransUnion is reporting the following inquiry : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I do not recall authorizing this inquiry and request TransUnion to provide proof of permissible purpose or remove it. 

Late Payments TransUnion is reporting late payments on : XXXX XXXX ( Account ending XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Account ending XXXX ) I dispute these late payment remarks as inaccurate and unverified. If TransUnion can not substantiate the reporting with proper documentation, these remarks must be 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 2025-12-29 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: TX

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2025-12-29 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I am filing this complaint against Security Credit Services for inaccurate and unlawful credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 5 ) and 1681s-2 ( b ).

Security Credit Services is reporting a collection account with a balance of {$340.00} that is listed as both opened on XX/XX/year> and placed for collection, without accurately reporting the Date of First Delinquency ( DOFD ) or any prior delinquent payment history. This creates the appearance of a newly opened collection account and constitutes improper re-aging and incomplete reporting, which is prohibited under the FCRA. 

Under FCRA 623 ( a ) ( 5 ), furnishers are required to report the original date of delinquency accurately and may not re-age or misrepresent the status of a collection account. Additionally, under FCRA 611, information that can not be fully verified must not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am disputing inaccurate information found on my TransUnion report : 1. Incorrect Previous Address My TransUnion report lists : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please verify this address is correctly formatted and remove any other outdated or incorrect addresses. 

2. Charged-Off Accounts Reported Inaccurately XXXX XXXX XXXX  , Acct # XXXX, Date XX/XX/XXXX, Balance {$680.00} XXXX, Acct # XXXX, Date XX/XX/XXXX, Balance {$440.00} Please verify ownership, balance, and accuracy of these accounts. Remove any unverifiable information. 

3. Inquiry Dispute XXXX, Date XX/XX/XXXX This inquiry was not authorized by me. Please provide proof of authorization or remove it from my report. 

4. Late Payment Reporting XXXX  XXXX, Acct # XXXX I am disputing any late payment reporting for this account. Please verify the accuracy of payment history and remove any late payments that can not be verified. 

Request : Please investigate and provide a written response verifying each item. If any item can not be verified, please delete it from my report as required 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of certain items reported on my credit file. Below are the accounts I believe to be inaccurate, and I request an investigation into each of these accounts. I have listed the details for each bureau separately. 

Charged Off Accounts : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} ) XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} ) XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} ) XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} ) Inquiries : XXXX ( Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX I initiated an On XX/XX/year>, I initiated an ACH transfer in the amount of {$10000.00} from my checking account at Discover Bank to my checking account at XXXX XXXX XXXX Federal Credit Union ( XXXX ). 

Discover Bank has informed me that the ACH transfer was completed successfully. Discover provided me with a transaction reference/trace number and has repeatedly stated that the funds were sent and settled.

However, the {$10000.00} has never been credited to my XXXX account. I contacted XXXX and provided them with all information given to me by Discover, including the trace number. XXXX has searched their systems and has advised me that they have no record of this ACH transaction, no inbound posting, and no pending or unapplied funds related to this transfer. When XXXX searched for the provided trace number, they were unable to locate any corresponding transaction. 

As of today : The {$10000.00} has not been credited to my XXXX account. 

The {$10000.00} has not been returned to my Discover account. 

Discover has not provided written documentation confirming settlement details, including the XXXX routing number or proof of receipt by the receiving institution. 

I am concerned that Discover has either incorrectly marked this ACH transfer as completed or failed to properly trace and resolve a missing ACH transaction. Despite multiple contacts, I remain without access to my funds and without clear documentation showing where the transfer is currently held or how it will be resolved. 

I am requesting that Discover Bank : Conduct and complete a formal ACH trace through its ACH processor.

Provide written documentation confirming the final disposition of the {$10000.00} transfer. 

Either ensure immediate posting of the funds to my XXXX account or return the {$10000.00} to my Discover account without further delay. 

This issue has been ongoing since XX/XX/year>, and represents a material loss of access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been workong wit Citibank for the last 6 months trying to correct illegimate charges on my account by a contractor who was doing work in my home. 

Citi has credited me for 3 of the 4 fraudulent charges ; ( XX/XX/year> {$480.00} ; XX/XX/year> {$870.00}, XX/XX/year> {$270.00} ) but has not and will not credit my account for the XX/XX/year> charge of {$740.00}. They will not explain to me why. All of these illegitimate charges were made in the same billing cycle by the same vendor ( XXXX XXXX  ). I have completed all requested information from Citi on this charge, including a signed statement ( Citi Case # XXXX ) ] I am requesting {$740.00} account credit ( plus interest ) for this fraudulent charge for which I have received no goods nor services. 

[ see attached Citi_LetterXXXX  for full details ]

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