vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ASTA FUNDING INC.
State: CA

Complaint narrative:
This company put a order to take 20 % the my work I have a garnishment star XX/XX/year> but I never reciv a letter for court this why I need help plz

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 2025-09-08 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: FL

Complaint narrative:
am filing a complaint regarding inaccurate and contradictory reporting of my XXXX XXXX  account ( ending XXXX ) on my Equifax credit report. 
The account is reported as Closed on XX/XX/XXXX with a {$0.00} balance and {$0.00} past due, yet Equifax also shows a Date of Last Payment of XX/XX/XXXX and an Actual Payment of {$140.00}. This is contradictory for an account that was closed months earlier. 
The tradeline is also coded with Paid Charge Off, even though it is listed as paid/closed with {$0.00} due. Historical data blocks even show Charged Off Account entries after closure, which is misleading and inaccurate. 
I have disputed this account multiple times with Equifax. The most recent reinvestigation ( XX/XX/XXXX ) only modified historical information but left the errors unresolved. 
This violates the FCRA ( 1681e ( b ), 1681i, 623 ( a ) ( 5 ) ), because the information is inaccurate and unverifiable. 
Requested remedy : Please remove the derogatory Paid Charge Off narrative, or delete the tradeline if XXXXXXXX XXXX can not provide accurate documentation ( original agreement, full payment ledger, DOFD, Metro 2 data ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
Identified Irregularities Credit Limit vs. Balance Conflict : Reported credit limit {$3000.00}, but the balance is listed as {$3700.00}, which is mathematically impossible and indicates false reporting. 

Inconsistent Opening and Closing Dates : XXXX  & XXXX  : Opened XX/XX/XXXX. 

TransUnion : Opened XX/XX/XXXX. 

TransUnion : Closed XX/XX/XXXX, while others report later activity into XXXX. 

Conflicting Last Activity Dates : XXXX  : XX/XX/XXXX. 

XXXX  : XX/XX/XXXX. 

TransUnion : XX/XX/XXXX. 

Three different dates for the same account are contradictory. 

Different Last Reported Dates : XXXX  : XX/XX/XXXX. 

XXXX  : XX/XX/XXXX. 

TransUnion : XX/XX/XXXX. 

This inconsistency shows lack of synchronization and accuracy. 

Late Payment Discrepancies : XXXX  shows 90, 120, and 120-day lates in early XXXX. 

XXXX  shows 90, 120, and 150-day lates. 

TransUnion shows 30, 60, 90, 120, and 120-day lates. 

These variations prove that the bureaus are reporting unverifiable and inconsistent derogatories. 

Conflicting Closure Status : XXXX  : Closed by credit grantor.

XXXX  : Closed due to inactivity.

TransUnion : Canceled by credit grantor.

Three different closure reasons can not all be accurate. 

Legal Violations FCRA Fair Credit Reporting Act ( 15 USC 1681 ) 602 ( A ) : Failure to ensure fair and accurate reporting.

607 ( B ) : No reasonable procedures to assure maximum accuracy.

611 ( A ) : Failure to reinvestigate and resolve disputes properly.

623 ( A ) ( 1 ) ( A ) : Furnishing information known or should be known as inaccurate.

623 ( A ) ( 2 ) : Failure to update and correct errors after notice.

FDCPA Fair Debt Collection Practices Act ( 15 USC 1692 ) 1692e ( 2 ) ( A ) : False representation of account status.

1692e ( 8 ) : Reporting credit information known to be false.

TILA Truth in Lending Act ( 15 USC 1601 ) 1637 ( b ) : Failure to correctly disclose account balances and limits.

GLBA Gramm-Leach-Bliley Act ( 15 USC 68016809 ) Failure to safeguard the accurate transmission and integrity of consumer data.

ECOA Equal Credit Opportunity Act ( 15 USC 1691 ) 202.6 ( B ) ( 6 ) : Adverse reporting based on inaccurate data, which negatively affects credit opportunities.

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 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have enclosed the necessary documents to support my claim.

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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
A complaint was sent to the company requesting a solution for my problem and I described that I have sent money to the wrong person an error I have never done before and mentioned to the representative who processed my claim I dont take responsibility, it was my error mistake and was not sending to the person so I requested a refund and or to send me my money in return it to me since I sent it to by mistake and the person declined and continued to decline my refund after so many reques I stopped requesting it, I've exhausted my persistence since I had no great result, than reported my problem to the company and explained to the representative, i sent money to the wrong individual or payee and submitted a request for a refund. Customer service i was giving to me was very poor and courtesy and to perform all the job task in handling a claim was done very unprofessional or just not properly trained or educated to do her job well done and effectively and denied my claim and I was never refunded or reimbursed for the amount of {$350.00} that was stolen from me is how I fell on how the whole outcome of the matter was handled by the company representative and research to do a full investigation on this claim. A full compensation should be refunded to me for their poor adequate performance on how my case was processed and denied Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I have no ownership of these accounts ; please remove them within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion reporting a charge off XXXX XXXX  account that been close over seven years without verification on account close date and keep update the account close date on my credit report without showing verification or were they got they information.... continuation of my recent complain XXXX left out some information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00}

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 2025-09-08 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:
I hope this follow-up complaint finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. 
While I understand that these investigations can take time, I respectfully request an update on the current status and any progress made toward resolving the matters outlined in my earlier correspondence. 
The following items are being disputed and I am requesting their removal from my credit file, as they are inaccurate or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX XXXX  involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My credit report includes a bankruptcy record that I believe is inaccurate or can not be verified. Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), I am entitled to a fully accurate credit report. I request a review of this bankruptcy entry and, if it can not be verified, its removal from 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 explanation
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-09-08 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-08 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Kikoff.

My Kikoff account is open and active, and I have made 98 % of payments on time. However, Kikoff continues to report a 30-day late payment from 2021, which is outdated and misleading, as the account is current and in good standing. 
At the time of the alleged late payments ( XXXX, XXXX, and XX/XX/year> ), I was fully enrolled in autopay and had sufficient funds available. Kikoffs own customer support confirmed that autopay was enabled, but the system failed to process my payments. I never received proper notification via email, SMS, or phone call of a failed transaction.

According to the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), creditors must ensure that information furnished to the credit bureaus is accurate and complete. Reporting me as delinquent despite my autopay enrollment and available funds is factually inaccurate and unfairly portrays me as negligent. This is a system failure on Kikoffs part, not consumer negligence.

I have disputed this matter directly with Kikoff multiple times, but they have refused to correct the reporting, stating that they are required to report late payments even when the issue was caused by their own system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-09-08 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : DEPT OF EDUCATIONXXXX 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