vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Auto loan was with XXXX XXXX, and vehicle was sold at auction, XXXX XXXX bought the debt and put a judgement on me when the loan was cosigned to another individual not me. XXXX XXXX said they served me but was a complete lie, I was at work on shift that day and the process server served the paperwork to an old relative I have not spoken to in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
Recently, I carefully reviewed my credit reports and was alarmed to find numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet several accounts are being reported inconsistently, misleadingly, and in some cases, without proper verification. 

I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am requesting a thorough reinvestigation of the following items : 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  These errors have a direct and negative impact on my ability to accurately represent my creditworthiness. I request that Equifax, TransUnion, and Experian conduct a full reinvestigation of the disputed accounts and address associations, correct or remove any inaccurate, incomplete, or unverifiable entries, and provide written confirmation of the results within the time allowed by 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 2025-09-30 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: GA

Complaint narrative:
Recently, I carefully reviewed my credit reports and was alarmed to find numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet several accounts are being reported inconsistently, misleadingly, and in some cases, without proper verification. 

I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am requesting a thorough reinvestigation of the following items : 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  These errors have a direct and negative impact on my ability to accurately represent my creditworthiness. I request that Equifax, TransUnion, and Experian conduct a full reinvestigation of the disputed accounts and address associations, correct or remove any inaccurate, incomplete, or unverifiable entries, and provide written confirmation of the results within the time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OR

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices.

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under 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 non-monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
XXXXI am submitting this formal dispute under the Fair Credit Reporting Act (FCRA), Section 611 [15 U.S.C. 1681i], which grants me the right to challenge any credit file information that is inaccurate, outdated, or unverifiable.XXXXI am disputing the following items currently appearing on my credit report: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 XXXXI request a full review of these addresses and account information to determine if they are correctly associated with my credit file. If any of these entries are outdated, duplicated, fraudulent, or incorrectly reported, they must be updated or removed in compliance with FCRA requirements.XXXXPlease provide me with the results of your reinvestigation in writing. If any of the above information cannot be fully verified, it must be promptly corrected or deleted from my credit report as required by 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 2025-09-30 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: GA

Complaint narrative:
XXXXI am submitting this formal dispute under the Fair Credit Reporting Act (FCRA), Section 611 [15 U.S.C. 1681i], which grants me the right to challenge any credit file information that is inaccurate, outdated, or unverifiable.XXXXI am disputing the following items currently appearing on my credit report: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 XXXXI request a full review of these addresses and account information to determine if they are correctly associated with my credit file. If any of these entries are outdated, duplicated, fraudulent, or incorrectly reported, they must be updated or removed in compliance with FCRA requirements.XXXXPlease provide me with the results of your reinvestigation in writing. If any of the above information cannot be fully verified, it must be promptly corrected or deleted from my credit report as required by federal law.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I am contacting you regarding Venmo. 

I have an account with them and have not been able to access my account through the app. 

I have contacted them about XXXX times via email and chat. I have described the problem each time. 

When I try to open the app all I get is a blurry screen. I can access it online but do not have access to all the options I had before. 

I was getting my social security check sent to this account and had to move it. 

I feel they have no interest in helping me since I am a senior citizen. 

Could you please help me? 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Subject : Cease and Desist Notice Account No. XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally demand that you cease and desist all forms of communication and collection activities regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you immediately stop contacting me by telephone, mail, or any other means concerning this alleged debt. 

Please consider this letter as my official notice that any further direct contact from XXXX XXXX XXXX, its agents, or representatives must stop immediately. Any future communications regarding this matter should be made in writing only and sent directly to my address listed above. 

If you believe you have a valid legal claim, you are hereby notified that you may pursue such claim through the appropriate legal channels. However, any further attempts to collect, including repeated calls, letters, or threats, will be considered harassment and a violation of my rights under federal and state law. Such actions will be documented and may result in legal action against you. 

Thank you for your prompt attention to this matter. 

Sincerely, _________________________ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and reliable. I am requesting a thorough investigation of these accounts, and if they can not be verified, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IL

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, my credit report began showing multiple student loan accounts from XXXX. There are at least XXXX separate tradelines, each with a balance ranging from about {$160.00} to {$5700.00}, all marked In good standing. 

I believe these accounts are duplicate and inaccurate. I should not have this many separate tradelines for the same student loan servicer. The multiple listings are misleading, artificially inflate my total debt, and may harm my credit profile. 

I am requesting that the credit bureaus and the furnisher ( DEPTEDNELNET ) investigate these accounts and delete any duplicate or inaccurate tradelines that do not belong on my report.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, my credit report began showing multiple student loan accounts from XXXX. There are at least XXXX separate tradelines, each with a balance ranging from about {$160.00} to {$5700.00}, all marked In good standing. 

I believe these accounts are duplicate and inaccurate. I should not have this many separate tradelines for the same student loan servicer. The multiple listings are misleading, artificially inflate my total debt, and may harm my credit profile. 

I am requesting that the credit bureaus and the furnisher ( DEPTEDNELNET ) investigate these accounts and delete any duplicate or inaccurate tradelines that do not belong on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am formally disputing a reported late payment. My records confirm that the payment was submitted on time. The false entry is negatively affecting my creditworthiness and misrepresents my financial responsibility.

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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Paid off my XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX from XXXX on mentioned vehicle. On XX/XX/year>, my bank sent a XXXX payer electronic check to XXXX for {$4200.00} for a payment to a car already paid off. I called XXXX XXXX XX/XX/year>, they saw that the over payment was received and I would need to call my bank to get payment back. I called my bank they said once they send the electronic check its out of their hands. I called back to XXXX XXXX, and said I would receive a refund in XXXX days. I called XXXX XXXX on XX/XX/XXXX. for a follow up, all they said it was pending. I called XX/XX/XXXX, for another follow up, they stated XXXX day refund time frame. I called for a follow up XXXX XX/XX/year>, they said it was pending again. I said initially it was a XXXX day window for a refund, they stated XXXX day window for refunds. I called again on XXXX XX/XX/year>, got the same run around, they stand it was pending. I said it was XXXX days for a refund they told me, but he changed it now to a XXXX  day refund window. I have spent hours on hold trying to get my refund of {$4200.00}. I get nothing but run around from this company.

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 2025-09-30 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: IL

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX apartment Amount - {$2100.00} on Date open XX/XX/year> I asked the company for a breakdown of what was owed and why due to having already moved out before the timeframe given. I tried to dispute it online, but I could not delete it from my credit. I tried calling the apartment and left my contact information multiple times directly, to have them each back out however no one ever contacted me.

Company response to consumer: Closed with non-monetary relief