vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXX XXXX ( and XXXX, their servicing/debt furnishing entity ) Issue : Furnishing inaccurate information after dispute / Re-aging account / No response to certified dispute Submitted By : XXXX XXXX XXXX Date of Certified Dispute Letter : XX/XX/year> Bureaus Affected : Experian and TransUnion XXXX Status : Account deleted Attached Evidence : Certified mail receipt Screenshots of payment history inconsistencies Screenshot showing account deletion from XXXX  Proof of email communication with XXXX dated XX/XX/year> ( last contact ) Complaint Text : I sent a certified dispute letter to XXXX XXXX and their servicer, XXXX, on XX/XX/year>, requesting full validation and investigation of a tradeline reporting on my credit reports. As of today, XX/XX/year>, I have received no written response, in violation of the FCRA ( Fair Credit Reporting Act ) and FDCPA ( Fair Debt Collection Practices Act ).

Instead of investigating and validating the account, they updated the payment history retroactively, changing months that were marked Current to 30 Days Late and shifting other delinquencies forward a practice known as re-aging, which is prohibited under FCRA 623.

This re-aged, inconsistent data now appears differently across credit bureaus :
Experian : Still reporting with newly added delinquencies after my dispute.

TransUnion : Account was deleted after dispute.

XXXX  : Account was also deleted, supporting that the tradeline could not be verified.

I also received an email response from XXXX dated XX/XX/year>, but nothing via mail, despite mailing proper documentation and proof of identity. The email did not contain validation, only generic statements.

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 2025-07-19 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute the reporting of a charge-off account listed under the following details : Company : XXXX  XXXX Account Number : XXXX ( CREDIT account ) Reported Balance : {$1200.00} This account has been reported as a collection/charge-off and is currently affecting my credit score negatively. The reporting of this account is incorrect, as I still see a balance listed after it was charged off. I urge your agency to reinvestigate this matter and provide any missing or corrected information. Furthermore, I request a detailed explanation as to why there is a past due balance being reported while the account is simultaneously listed as a charge-off. This dual status is a known violation of reporting standards. 



Additionally, I see that this account continues to reflect a past due balance, despite being charged off. This inaccurate reporting raises further concern and must be addressed. I strongly urge your agency to conduct a thorough reinvestigation and ensure that all information being reported is correct, fair, and complete. If your investigation determines this reporting to be inaccurate, I request immediate deletion of the account from my credit file due to multiple violations. 



Please be advised that I am maintaining a detailed record of all correspondence and actions taken throughout this process. Failure to respond to this letter or address the mentioned violations within the specified timeframe will result in legal action to protect my rights as a consumer. 



I trust that you will take this matter seriously and respond in a timely and professional manner. I look forward to receiving a satisfactory resolution to this issue. 



Sincerely, 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 explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the XXXX timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights 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 explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint regarding inaccurate, incomplete, and unverified negative items being reported by ChexSystems in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related statutes. 

I obtained my ChexSystems report and discovered XXXX entries being reported that I have no legal obligation to, nor have I ever received proper verification or validation of these alleged debts. The institutions listed below have either failed to validate these accounts or are reporting them without any permissible purpose, verifiable contract, or complete audit trail : 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 XXXXXX/XX/XXXX Issue : No documentation or ledger ever provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Account was not authorized by me and no validation has ever been received. 

I submitted a formal dispute letter to ChexSystems on XX/XX/XXXX, under 15 U.S.C. 1681i requesting a reinvestigation and deletion of the above items due to lack of verification. I also cited 1681s-2, which obligates furnishers to only report accurate and verifiable information. Failure to verify the accounts constitutes a willful and/or negligent violation of FCRA statutes, specifically 1681n and 1681o, which provide for legal remedies.

Despite my dispute and submission of proper identification, ChexSystems continues to report these entries, causing me repeated denials for banking services and substantial 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 explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am filing this complaint because I found multiple unauthorized credit inquiries on my credit reports that I did not initiate or authorize. These inquiries appear to be hard pulls, which affect my credit score, yet I never applied for credit, authorized these inquiries, or had any prior relationship with these companies.

Under the Fair Credit Reporting Act ( FCRA ) 604, a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose and with the consumer 's consent in many cases. 
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 XXXXXX/XX/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 explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I do not know this collection and I do not owe them. Ive been a victim of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
This account is involved in litigation due to XXXX XXXX and the balance is incorrect. I need this account removed from credit report immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX, who is using the name XXXX XXXX in emails and also as Resurgent and XXXX XXXX XXXX. I have received harassing and deceptive communications from this agency, including the following violations : I have received text messages from at least XXXX different phone numbers and phone calls from constantly changing numbers, making it impossible to block or trace them reliably. 
This company has contacted my family members, stating that I am involved in a financial business matter that will be escalated. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits disclosure of debt to third parties. 
The messages and letters have included threats of negative credit reporting, lawsuits, and garnishment if I do not pay and in some cases have implied that those actions would be stopped if I make payment, which is a coercive and misleading practice. 
I have no verifiable or documented debt with this agency. They have not provided any proof, signed contract, or documentation to show I owe them anything, despite their repeated threats and pressure. 
I believe these actions violate federal consumer protection laws, including the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). 

I have preserved evidence including : Screenshots of messages Call logs Letters and emails Notes from third-party contact Thank you for reviewing this matter.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Creditors are reporting inaccurate information from email addresses, previous addresses and previous phone numbers not associated with me

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 2025-07-19 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 UPLOADED MY DOCUMENTS TO TRANSUNION A LOT OF TIMES TELLING THEM THAT THIS ACCOUNT WAS RESULT OF IDENTITY THEFT AND EVERY SINGE TIME THEY HAVE NOT CARED THAT I AM A VICITIM OF IDENTITY THEFT AND HAVE NOT REMOVED THIS ACCOUNTS FROM MY NAME. 
XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX {$5600.00} I TALKED WITH THE CREDITORS ALREADY AND THEY TOLD ME THIS ACCOUNTS HAVE ALREADY BEEN SUPPRESSED FROM THEIR END AND THIS XXXX XXXX BEEN REMOVED FROM MY OTHER BUREAUS.

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 2025-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, I was misled by XXXX XXXX XXXX into signing what I was told was a trial period, with the assurance that I could cancel the service if I wasnt satisfied. They never disclosed that they were locking me into a XXXX financing contract through XXXX XXXX XXXX for XXXX {$1900.00}. I was never shown or provided a copy of the contract at the time, nor was it explained that this was a long-term financial obligation. 

Once I realized I had been misled, I contacted both XXXX and XXXX multiple times requesting a cancellation and an investigation. I asked XXXX to provide proof of the signed agreement and how the loan was processed. To this day, no signed document has been provided. XXXX  has continued to charge me late fees, high interest, and penalties despite my formal disputes. 

In XX/XX/XXXX, I participated in XXXX XXXX XXXX XXXX and paid {$110.00} expecting a full match, as advertised. They only applied {$56.00}, and now claim the rest is due to past late payments which are the direct result of a fraudulent agreement I never knowingly consented to. 

My latest balance is {$2000.00}, and I am being asked to pay a minimum of {$330.00} monthly for something I never agreed to. XXXX continues to send automated responses and has not addressed my core complaint : that the contract was obtained under false pretenses, and I was misled by XXXX. 

XXXX has admitted that the account is outside of the trial period, yet refuses to acknowledge that I was deceived about the very existence of a contract. They have offered only to waive moving fees which is completely irrelevant and demand over {$3200.00} to cancel, including payment for cameras and part of the contract. 

I have done everything in good faith : made payments, requested investigations, asked for documentation, and received no resolution. At this point, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, and I am now escalating the case to your office. I am requesting immediate intervention, investigation into deceptive sales practices and predatory lending, and cancellation of this fraudulent financial obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 reviewed my credit report and discovered an account that I did not open, authorize, or have any knowledge of. This account is fraudulent and does not belong to me.

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
This issue has been going on for over a year now. 
Citi contacted me back in I think it started in XXXXXXXX XXXX XXXX by phone, then email, then again in XXXX and XXXX of the same year informing me of unauthorized transactions. 
When I was still billed for these charges, I called, I wrote letters, I could never speak to the same person twice, when I would ask for the persons name that I was speaking too, they said it was against company policy to give me a name. 
I have spent hours on the phone, one evening I spoke to 9 different people, one man who said his name was is sounded like he said XXXX, but anyway, he stated to me that charges continued to be made on a the credit card. 
I advised him how could that be possible as I had never activated a credit card. I also told him according to one email that they were sending notifications and documents to an online account for the credit card I asked him, how was I to get those since I did not have a credit card account, and he stated. oh I see, it closed .. I don't know .. and thus forwarded me to another individual, XXXX different ones, some stating even more charges.

I have continued to request documents supporting the charges, and they get silent, literally. I keep pressing them for it, they say they will but never do, The last letter I sent requesting again all documents, finally they replied only they reviewed it and I owe it. They even noted a bank on one of their letters, that I have no clue who or where they are as I have never heard of it. They now have sent it to a collection agency.

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 2025-07-19 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I registered my car in XXXX  back in XXXX. TD Bank was supposed to remit the title copy to the tax assessors office in XXXX. It took them XXXX months to do so and they sent it to the wrong address and office. I received a letter from the tax assessors office saying I can't re-register my vehicle until this is handled. I have paid the vehicle off since then.They say they are waiting for them to return the title but the title was sent to the wrong address and is long gone in a shredder. I have tried to resolve this and they have dragged their feet. I've called them XXXX times to check on the situation and I get the same answer from them. It has been a month and I also still have not received a letter of lien release.

Company response to consumer: Closed with non-monetary relief