vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a formal written dispute to TransUnion identifying multiple accounts reporting inaccurate, outdated, and legally unverifiable informationall in direct violation of the Fair Credit Reporting Act ( FCRA ). The disputed accounts include : XXXX ( # XXXX ) : false payment terms, unresolved dispute remarks, and continued reporting errors on a closed account XXXX  XXXX ( # XXXX & # XXXX ) : re-aged charge-offs, fabricated 30-day late payments reported after closure, and conflicting statuses ( Paid in Full vs. Settled for Less ) XXXX  ( XXXX XXXX ) : only two months of history, an unverifiable 30-day late payment, and a $ XXXX payment termfinancially and contractually impossible TransUnion never contacted me for clarification, nor did they reject the dispute. Instead, they initiated a reinvestigation on XX/XX/year>, based solely on my letterproving the submission was valid and complete. 

However, prior to receiving my dispute, TransUnion issued a stall letter dated XX/XX/year> ( File # XXXX ) demanding address verification. This demand was baseless. TransUnion had already mailed credit reports and prior dispute results to the exact same verified address multiple times throughout the past year. The timing and content of the letter demonstrate a preemptive and intentional delay tactic, used to suppress and obstruct legitimate dispute activity. 

This conduct is part of a documented pattern of suppression, procedural abuse, and bad faith, violating the following provisions of the FCRA : 1681i ( a ) ( 1 ) ( A ) : failure to conduct a timely and reasonable reinvestigation 1681e ( b ) : failure to ensure the maximum possible accuracy of reported information 1681n and 1681o : willful and negligent noncompliance, exposing TransUnion to statutory and punitive damages I have attached the following evidence : My formal dispute dated XX/XX/year>XXXX  The stall letter dated XX/XX/year>XXXX  My credit report dated XX/XX/year>XXXX  showing the disputed inaccuracies A valid government-issued ID and utility bill, both confirming the same verified address TransUnions refusal to proceed without redundant verification was not only unjustifiedit was a clear violation of federal law. If this obstruction continues, I will pursue further remedies, including civil litigation under 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 2025-07-29 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: FL

Complaint narrative:
Please assist me in opening an investigation into these accounts, which appear to be reporting erroneous information on my credit report. Under USC 1681g, I am officially requesting their removal within 15 days. I have provided the appropriate documents for your thorough review. It is also important to note that the reported account data varies and is inaccurate across all major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Acceptance Corp
State: NC

Complaint narrative:
This complaint is in regard to my initial dispute for the accuracy and validity of a derogatory account reported by Merchants Acceptance Corp . I initially disputed this account directly with the company and requested full validation of the debt. I asked for a detailed breakdown of the balance, proof of my agreement to the debt, and verification of their authority to collect and report it. Instead of providing adequate documentation, they closed the dispute with a generic response and left the inaccurate information on my credit reports. 

In addition to the lack of verification, the balance being reported is inconsistent across the credit bureaus. XXXX  is reporting a balance of over {$5300.00}, XXXX  above {$3000.00}, and yet XXXX  {$3000.00} or a different figure. These discrepancies suggest inaccurate reporting that is causing me financial harm. 

Furthermore, this account originally stemmed from a financing agreement for merchandise that I never received. I was promised specific items under this contract, and despite being held financially responsible, the goods were never delivered. 

This situation has already negatively impacted my credit score, contributed to denials for credit, and has caused emotional distress. I am asking the CFPB to investigate this matter and require Merchants Acceptance to either provide proper validation or remove the account from all three credit bureaus due to failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CO

Complaint narrative:
My information has been recieved without my authorization, I am a victim of identity theft and I filed a identity theft report on XX/XX/year>. Due to the inaccurate reporting, I have incurred financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CO

Complaint narrative:
My information has been recieved without my authorization, I am a victim of identity theft and I filed a identity theft report on XX/XX/year>. Due to the inaccurate reporting, I have incurred financial hardship.

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 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute the accuracy of a collection account that appears on my credit report. This information is inaccurate and incomplete, and I am requesting its prompt removal under the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate, verifiable information may be reported.

The collection account in question is listed as follows : Creditor/Collection Agency Name : XXXX XXXX Bank Account Number ( last 4 digits ) : XXXX Date Opened : XXXX XX/XX/XXXX Amount Reported : {$28000.00} Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number ( last 4 digits ) : XXXX Date Opened : XXXX XX/XX/XXXXXXXX  Amount Reported : {$8300.00} Reason for Dispute : This debt does not belong to me ; The amount listed is inaccurate ; I was never notified before this account was reported, as required under the FCRA. 

In accordance with the FCRA ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this information. If the account can not be verified, it must be deleted from my credit file.

Enclosed : A copy of my government-issued ID Please complete your investigation within the 30-day window required by law and notify me of the outcome in writing. I also request that you send an updated copy of my credit report once the investigation is complete.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I am writing and submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been severely impacting both my life and credit score, preventing me from achieving financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NV

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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I had autopay set up on my Comenity account and made an early payment in XXXX. Without warning, this canceled my autopay, causing my XXXX payment to be missed. I was never notified that making an early payment would unenroll me from autopay. As a result, my credit limit was dropped to {$100.00}, which negatively impacts my credit profile. 

Ive spoken to multiple agents, and none of them have offered to fix the issue or acknowledge the error on Comenitys part. I have other accounts with Comenity, and this did not happen on those, showing their system is inconsistent and misleading. 

Im asking for my original credit limit to be reinstated, for any fees or interest to be reversed, and for written confirmation of autopay status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-29 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-30 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: TX

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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
We received your response stating that you have determined XXXX to be the correct person whom the obligation is owed. However, the core issues we raised remain unaddressed. 

Specifically : We are still requesting a full itemized statement that outlines the charges, the dates of service, and the basis for each charge. 

We continue to dispute the validity of this debt, as there has been no service rendered, no treatment provided, and no formal agreement entered into. This was simply an inquiry about establishing care that never progressed further. 


At this point, it appears you have no interest in resolving the matter appropriately. If this is not addressed within 10 business days, we will move forward with a formal complaint to the XXXX XXXX XXXX and explore other avenues available to us under the Fair Debt Collection Practices Act. 




See first dispute below : I am writing to formally dispute the validity of the {$50.00} charge referenced under account # XXXX for XXXX XXXX. 



To date, we have not received an itemized statement or explanation of the charge. The only interaction with your office was a scheduled new patient appointment, which was canceled in accordance with your stated cancellation policy. 



No services were rendered, no treatment was provided, and no financial agreement or consent to care was signed or implied. As such, I am requesting written verification of the debt, including an itemized breakdown and the basis for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
Trustmark National Bank is still reporting a closed checking account to XXXX  as account abuse with a negative balance. This debt was included and discharged in my XXXX  XXXX bankruptcy ( XXXX XXXX. [ XXXX ], discharged on XX/XX/year> ). Reporting this account as abusive or delinquent after discharge violates the Fair Credit Reporting Act and the Bankruptcy Code ( 11 U.S.C. 524 ). Ive requested this be corrected or removed and am asking the CFPB to ensure compliance with federal 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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2025-07-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
What happened : On XX/XX/XXXX, a payment of {$350000.00} was due on my account with XXXX XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). At the time, I was out of the country undergoing XXXX XXXX XXXX XXXXXXXX due to a critical illness. 

Because of my condition, I verbally authorized my son, XXXX XXXX ( XXXX : XX/XX/XXXX ), who resides in the U.S., to handle my household responsibilities and make bill payments on my behalf. When he contacted the bank to make the payment, he was denied due to being underage. I believe the bank has a voice recording of this call, which can verify his attempt to make the payment in good faith. 

Despite my circumstances and my son 's effort, the payment was marked as missed, and this was reported to the credit bureaus, negatively impacting my credit history. 

In addition, I noticed a fraudulent credit card account on my credit report, allegedly from XXXX XXXX XXXX, with a balance of {$16000.00}, opened on XX/XX/XXXX. I did not authorize or open this account, and I am requesting that it be investigated and removed as fraudulent. 

Actions taken : My son attempted to make the payment over the phone. 

The bank declined due to his age. 

I reviewed my credit report and found the fraudulent XXXX XXXX account. 

What I am requesting : A correction to my credit report to remove the missed payment mark from XXXX XXXXXXXX XXXX due to the extenuating circumstances and my sons documented attempt to pay. 

An investigation into and removal of the fraudulent XXXX XXXX credit card account.

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 2025-07-29 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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