vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-13 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-13 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: AZ

Complaint narrative:
I am submitting a dispute regarding several items on my TransUnion credit report which I believe are inaccurate or outdated : Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Late Payments : XXXX, XXXX I request that TransUnion verify these accounts and remove or correct any inaccurate, incomplete, or outdated information in compliance with 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had fraudulent activity on my PayPal extras Mastercard ( credit card ) in mid 2024 in the amount of about XXXX usd and I have been trying to get them to fix this ever since. Not only has this affected my credit for the last year plus but I have been forced to pay the minimum payment of almost {$600.00} per month for about 16 months because they cant seem to figure out how to fix there own mistakes. Every time I call I get told the same things and get the same promises and Im told I cant speak with anybody higher up and each time they tell me this could take XXXX days so Im forced to wait that amount of time just to have to start over again and be told we see what happened and we are not sure why they closed the fraud case without any resolution so we have to open it back up and then the XXXX day period starts all over. I have paid them over {$10000.00} in minimum payments on an account that should have a XXXX balance! I dont know what else to do but get someone else involved.

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 2025-11-13 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: LA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-13 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: DC

Complaint narrative:
There is a fraudulent account from XXXX XXXX XXXX XXXX XXXX my credit report. This is not my debt. I dont have any collections or late payments on my credit. I am a victim of identity theft and have an Identity Theft Report I can provide to support this. See attached documents. I request to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: DC

Complaint narrative:
There is a fraudulent account from XXXX XXXX XXXX XXXX XXXX my credit report. This is not my debt. I dont have any collections or late payments on my credit. I am a victim of identity theft and have an Identity Theft Report I can provide to support this. See attached documents. I request to remove this account from my credit 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 2025-11-13 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: AZ

Complaint narrative:
I am disputing the accuracy of certain items on my Experian credit report. The items include : Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request a full investigation of these accounts and removal or correction of any inaccurate, unverifiable, or outdated information per FCRA guidelines.

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 2025-11-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), and XXXX collections account opened at XXXX XXXX XXXX XXXX at XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ) XXXX XXXX secured loan opened on the XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX Bank secured loan opened on the XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX accounts XXXX revolving account opened XX/XX/XXXX under the account number ( XXXX ) and another XXXX installment loan account opened XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a confirmed victim of identity theft. 
My FTC Report XXXX is XXXX. 
I already submitted FCRA 605B identity theft block requests to all CRAs, alternative credit bureaus, banking fraud systems, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. 
Please compel all companies to honor my identity theft block and delete all fraudulent or inaccurate information. 
Only my active accounts in good standing, XXXX, and XXXX are mine. Anything else is identity theft.

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 2025-11-13 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: TX

Complaint narrative:
I am a confirmed victim of identity theft. 
My FTC Report XXXX is XXXX. 
I already submitted FCRA 605B identity theft block requests to all CRAs, alternative credit bureaus, banking fraud systems, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. 
Please compel all companies to honor my identity theft block and delete all fraudulent or inaccurate information. 
Only my active accounts in good standing, XXXX, and XXXX are mine. Anything else is identity theft.

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 2025-11-13 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: DE

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 2025-11-13 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: CT

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need my phone number changed on my online account, but I cant log in to update my number. I have called Experians help number 13 times in the past 3 days. The bot refuses to help me and even hangs up on me when it cant solve my problems. I have attempted navigating through the Menu maze and even repeatedly said customer representative, nothing has worked. Im also receiving emails of suspicious activity through my credit. Id like to file a report, but I cant get into my account. So Id like to file a dispute.

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 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I received a collection notice from BCA Financial Services for a medical balance that I already paid directly to the hospital through the official payment portal. The total amount I paid was {$590.00}, which was more than the balance they are trying to collect. The payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

As soon as I received the notice, I contacted the hospitals billing department. They confirmed they received my payments and told me they would contact the collection agency to investigate and update the account. I also contacted the collection agency directly and explained that the balance was already paid. I provided copies of all my payment receipts. 

Despite this, more than XXXX weeks have passed and the collection agency has not corrected anything. They have not confirmed that the account was resolved, and the debt is still showing on the collection agencys online portal as if it is owed. 

I followed all steps, provided proof of payment, and the hospital also asked them to review the issue. There has been no update, no correction, and no written response from the collection agency. I am asking for this paid account to be corrected and closed immediately and for confirmation that it has not been reported to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was trying to buy a house and I noticed I have damages on my credit report. According to 15 U.S.C 1861 Their shouldn't be any damages on my report it is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, the reason of my complaint is that citi bank closed my card despite the fact that they shouldn't have closed it. I contacted them because they have requested documents from me. They told me that my due date is on XX/XX/XXXX for them to receive documents. I asked to provide me more time and representative told me that I have time until XX/XX/year> during a call, but I notified them that I'll send it right away. I sent it through overnight mail and here is my USPS tracking XXXX showing that citi received my documents on XX/XX/year>, meaning that it was even before the initial deadline. But representative told me that because they have checked the form on XX/XX/year>, it doesn't matter. It is not my problem that you haven't checked the form on time, I sent it on time and more than that I was told that they gave me an extension, what makes it even worse. I want you to investigate citi bank behavior toward customers. 

Investigate possible discrimination based on ethnic background of customers Investigate deceitful promises and unfair treatment of customers from citi bank Investigate unfair advertisement from citi bank and schemes they use to close high annual fee card after immediately after it was opened Make them to reopen my card without any additional credit report inquiry Make them to process document I've sent to them to eventually unlock my card after they open it

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 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
This for XXXX Accounts, Same balance. 

I disputed this alleged debt with Credit Bureau Associates and requested full validation under FDCPA 809 ( b ). They did not provide any meaningful validation. Instead of providing proper documentation, they either did not respond at all or sent generic information that does not prove the debt is valid.

They failed to provide : No signed contract or agreement No itemized billing statements No proof of ownership or assignment No documentation showing how the balance was calculated No evidence that they have the legal right to collect or report this account Despite failing to validate the debt, CBA continues to report the account to the credit bureaus, which is a violation of : FDCPA 809 ( b ) continued collection without providing validation FCRA 623 ( a ) reporting information that can not be verified FCRA 611 ( a ) failing to properly reinvestigate I am requesting CFPB assistance in requiring CBA to either : Provide full, lawful validation of this account, or Delete the account from all credit bureaus if they can not validate it.

CBA has not fulfilled their legal obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation