vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am filing this complaint because both TransUnion and XXXX  continue to report a charge-off for XXXX XXXX  in the amount of {$120.00}, dated XX/XX/year>, that is inaccurate and misleading. This reporting is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires consumer reporting agencies to ensure maximum possible accuracy of information, yet both bureaus are failing in this duty by allowing an outdated and unverifiable account to remain on my report. 

This account is over seven years old, which under 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ), makes it ineligible to continue being reported. The continued presence of this charge-off is materially inaccurate because the FCRA explicitly limits how long derogatory information may remain on a consumers report. By continuing to display this account, TransUnion and XXXX  are knowingly publishing false information that damages my credit profile. 

I have disputed this account previously and neither bureau has provided verifiable documentation proving its accuracy. Instead, they recycle boilerplate responses that fail to meet their reinvestigation obligations under 15 U.S.C. 1681i ( a ). A proper reinvestigation requires them to verify the accuracy with the furnisher, yet no such evidence has been provided. If the bureaus can not produce verifiable proof, they are legally required to delete or update the account.

The ongoing reporting of this charge-off has caused me immense XXXX, XXXX, and tangible financial harm. I have been denied credit opportunities, forced into higher interest rates, and left fighting an endless battle over an account that should not legally appear on my credit report. The law is clear, yet both TransUnion and XXXX  are choosing to ignore it, disregarding both their statutory obligations and the impact on my livelihood.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I sent in a Check to pay off my account ( XXXX XXXX XXXX  ). They received the check XX/XX/year>. They cashed the check ( XX/XX/year> ). They did not credit my account. I called the only number on the company page ( XX/XX/year> ), I had to struggle with the automated bot. Finally I got to talk to someone, as I struggled to understand this person, She said they I would have wait 7 to 10 days for the check to arrive, I explained that they received the check on the XXXX, she did not understand what I was saying and continued to say 7 to 10 days. I ended the call as I was getting nowhere. I called back on the XXXX and got that automated bot and went through the same hassle to try to talk with a person. As I struggled to understand, I explained the situation and told me to not worry, we will get this resolved today. I gave him the check information and where Citi had cashed the check. He told me " no worries we will take care of this ''. He told me he assigned a case number. My account would be credited in 24 to 48 hours. Citi may email you for more information. I thanked him and ended the call. I checked my my account on the XXXX, no update on account, I checked on the XXXX, no update to the account, I checked on the XXXX no update to account. I called them back, wrestled with the automated bot to get a live person, Talked with a lady, as I struggle to understand her, we went back and forth and basically she told me I had to wait 30 days for resolution. I was extremely agitated at this point and told her that Citi cashed my check, Citi has my money and Citi did not credit my account. I also asked her why she didn't ask for my case number or anything relevant, she stated that she is customer service and doesn't have access to the account. At that point I asked for anyone I could talk to to rectify this situation. She gave an email address. I ended the call, sent an email to the address she gave me and haven't heard a word..

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Madeclaim to receive my money back from Cash appand did not do to no live agent being available my account was scanned out of {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is inaccurately reporting late payments on accounts that are closed, fully paid, and have a XXXX balance with no past due amounts. Specifically, the accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  are both listed as Closed & Paid XXXX Balance/XXXX  Past Due, yet TransUnion continues to report late payment notations.

This reporting is both misleading and unlawful. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the maximum possible accuracy of the information they report. Reporting late payments on accounts that were paid in full and carry no past due balance creates a materially false impression of delinquency. This is not a matter of opinionit is objectively inaccurate.

Furthermore, by continuing to publish these false late payment notations after I disputed them, TransUnion is failing its reinvestigation obligations under 15 U.S.C. 1681i ( a ). The FCRA requires a thorough investigation and correction of disputed items, yet TransUnion has failed to provide any documentation verifying these supposed late payments. Without such proof, TransUnion has no legal basis to continue publishing this harmful information.

This situation has caused immense frustration and harm. I am being unfairly penalized for accounts that I responsibly paid and closed. Seeing false late payments tied to them has directly impacted my ability to secure fair credit terms, forced me into higher rates, and placed unnecessary XXXX  and XXXX  on me. I should not have to live under the shadow of inaccurate credit reporting, particularly when I did everything right in paying off and closing these accounts. The burden of proof is on TransUnion to verify accuracy, and they have failed.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is refusing to comply with FCRA 605B. I have repeatedly provided proof of identity, a full FTC Identity Theft Report, and a police report from XXXX XXXX XXXX Department. Despite this, Equifax continues to refuse to block fraudulent accounts, instead claiming it will conduct a 30-day reinvestigation under 611.

I should not be forced to repeatedly re-send documentation. These materials have already been submitted and Equifax acknowledged receipt in their XX/XX/year> letter ( attached ). The FTC and CFPB also have copies of my reports, which Equifax can obtain directly. 

Requested Resolution : Immediate compliance with FCRA 605B by blocking all fraudulent information within 4 business days, as required by law. Written confirmation from Equifax that my file has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Today I tried to login per usual, the XXXX portal loaded a nonsense password, my portal was blocked and I was sent a message that there was a " problem ''. I have had no response from XXXX to date.

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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute concerning an unauthorized account that has been reported on my credit history. I did not open, authorize, or manage this account. Its presence is inaccurate, misleading, and harmful to my financial record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX/2025

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am a XXXX United States XXXX XXXX. I went to check my bank account to make sure my XXXX XXXX XXXXXXXX check was deposited on XX/XX/XXXX at XXXX. 
I have been on PayPal 's customer service CUSTOMER SUPPORT CHAT asking why my account is limited to only allowing deposit of funds. After three days of back and forth with PayPal- this is the answer I receive : " XXXX, Apologies for any inconvenience caused. I have reviewed your account, and I see that based on dispute for the transaction, you have filed this dispute with your financial institution/credit card company, and not with PayPal. We wont be able to provide additional details or updates on this claim because we dont have access to the financial institutions investigation details as it was filed directly with your card issuer. 
We would have helped you if it had been raised via paypal. I apologize, but it is clearly stated in the dispute that PayPal is not allowed to decide or to make any changes since it was already handled by the funding source. 
Further in this case, I strongly suggest you to please contact your financial institution to get further details. " I DO NOT have anything to do with this other financial institution they are speaking about. I emailed the VENDOR where the charges where made, asking for assistance, but have yet to hear back from them. 
This is my XXXX check, PayPal is my main banking institution, I have used them almost twenty years. My car was just stolen, I have the policy reports, my storage unit was broken into ( by that same thief ), I believe this same thief has something to do with this current problem. I NEED access to my funds to pay rent, to EAT. My phone is turned off because I can not pay the phone bill. I have no means of transport, my car was stolen. I can't even pawn anything, my valuables were stolen out of my storage unit! I AM XXXX. 
I have asked PayPal for " funds availability policy '' but have not received that yet. 
Please, please, I need some assistance. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This all began in XX/XX/XXXX when I purchased a vehicle service contract financed by XXXX XXXX XXXX XXXX. The contract was later canceled due to misrepresentation and coverage issues, and the XXXX XXXX XXXX XXXX XXXX ( XXXX ) became involved. Through SCDOIs intervention, XXXX  XXXX agreed to a resolution that included canceling the account, refunding payments, and removing all negative credit reporting. 

On XX/XX/XXXX, the account was officially closed and updated to show a {$0.00} balance and Pays as Agreed. However, despite this agreement, Equifax credit reports continue to show collection codes in the payment history for XXXX, XXXX, and XX/XX/XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I filed at least five disputes with Equifax ( confirmation numbers on record ). With each dispute, I attached documentationincluding emails from XXXX  XXXX and XXXX, as well as XXXX correspondenceshowing that XXXX XXXX agreed to remove the negative reporting. Despite this, Equifax repeatedly marked the account as verified as reported without correcting the payment history. 

I have spoken with Equifax representatives and supervisors multiple times. Customer service could not even locate the collection codes until escalated to supervisors. Equifaxs position has been that they only report what the furnisher ( Line 5 ) sends. But I have written confirmation that Line 5 agreed to remove these codes. This indicates either that Line 5 is not properly transmitting the correction, or that Equifax is failing in its duty under the FCRA to ensure maximum possible accuracy. 

The end result is that I am still harmed by inaccurate credit reporting, even though the tradeline correctly shows {$0.00} balance/ Pays as Agreed. The derogatory collection codes for XXXX XXXX should have been permanently removed per the agreement with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal dispute concerning a fraudulent account being reported on my credit history. I have no association with this account and never authorized its creation. Its presence on my report is incorrect and harmful, unfairly lowering my creditworthiness.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Equifax Information Services LLC, I am formally disputing inaccurate information on my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 611 [ 15 U.S.C. 1681i ].

The following account is being reported inaccurately and must be investigated : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Reported : Closed/Paid ( {$0.00} balance ) Bureaus Reporting : Appears on TransUnion and Equifax, but not on XXXX XXXX  inconsistent reporting ). 
Grounds for Dispute Inconsistent Reporting This account appears with conflicting information across bureaus. XXXX  does not report it at all, while TransUnion and Equifax do. Under the FCRA, reporting must be complete and accurate across all bureaus. 
Closed Account, {$0.00} Balance Since the account is closed and carries a {$0.00} balance, its continued reporting serves no permissible purpose and may be misleading regarding my current credit obligations.

Potential Misclassification The account is reported as a secured/non-traditional installment loan, which may be inaccurately categorized, creating a distorted view of my credit profile. 
My Request Please investigate and verify this account with the furnisher ( XXXX ). 
If XXXX can not provide full documentation of the debt, contract, and payment history, this account must be deleted immediately as required under the FCRA. 
If the account is verified, please provide me with a complete copy of the verification, including all records used to confirm its accuracy. 
Notice of Rights If you fail to correct or delete inaccurate information, you are in violation of the FCRA 623 and 611. If this occurs, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue legal remedies.

Please complete your investigation within the required 30-day period and provide me with an updated copy of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report. I never approved their opening and had no prior knowledge of them. As outlined under USC 1681g, I am requesting their removal within 15 days. Supporting documentation is attached.

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 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Hi this is regarding Goldman Sachs XXXX XXXX. I never used the XXXX app and this was an unauthorized transaction. Goldman is being XXXX to me because XXXX XXXX. I demand a full permanent credit for this transaction for {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-27 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: TX

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 XXXX 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 : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} WFC - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, XXXX,, as proof from the XXXX 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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I received several calls placed to my XXXX  mother, along with a voicemail to me that suggested I was going to be arrested for a debt that had already been paid off. When I called back, I was informed that the caller was a representative from Acima and that I was being sued, with the possibility of arrest by the county for this debt. I made it clear to them that my debt had been paid in full within the 90 days stipulated in the agreement, and therefore, their claim was not valid.

Company response to consumer: Closed with explanation