vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am submitting this complaint regarding ongoing issues with my TransUnion credit report that have persisted since XXXX. 

Background : In XXXX, I discovered incorrect information on my TransUnion credit file, including an unfamiliar last name, addresses, accounts, and hard inquiries. At the same time, many of my legitimate credit accounts were missing. I suspected my file had been mixed with another individualssomeone with a similar name. 

In XXXX, I was contacted via XXXX by a woman whose name had appeared incorrectly on my TransUnion report. She shared that my name and personal data appeared on her credit report, along with accounts and addresses that didnt belong to her but may have belonged to me. This reinforced my belief that our credit files were mixed. 

Ongoing Issues : Since XXXX, I have made repeated attempts to work with TransUnion to dispute, verify my identity and correct these issues. Despite those efforts, I have only been able to dispute the items that were showing up on my credit report, not items that are missing. While my personal information ( name and address ) now appears correct, the majority of my revolving credit accounts are still missing. 

As of XX/XX/XXXX, at least XXXX of my active revolving credit accounts are not reflected in my TransUnion report, though they are correctly reported to XXXX and XXXX. This discrepancy is negatively affecting my credit score with TransUnion. 

I suspect that these missing accounts may still appear on the other individuals credit file, as she may still be benefiting from my positive payment history. I offered to provide her name and address to assist with resolving this, but TransUnion declined and told me they could not fix it.

Attempts at Resolution : TransUnion advised me to contact my creditors directly. However, my creditors ( XXXX of them being XXXX ) confirm they are reporting to all three major credit bureaus and that this is a TransUnion issue. My reports with XXXX XXXX XXXX are accurate, further confirming that the problem lies with TransUnions handling of my 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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I have been receiving countless calls from different numbers from different parts of the world all claiming to be a collection agency, XXXX of which have refused to stop contacting me. I do not know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Grow Credit for inaccurately reporting my account status to the credit bureaus. Despite fulfilling all my obligations, XXXX XXXX has reported my account as being in collections, which is false, harmful, and misleading. 

Here are the key facts : I fully paid my balance with XXXX XXXX before the account was closed. 
I received a refund check for my security deposit, confirming that there were no outstanding balances. 
XXXX XXXX notified me that they would be closing accounts due to their contract ending with their sponsor. 
In their communication, they promised that the account would be reported as paid as agreed and closed in good standing. 
Despite this, I have now discovered that XXXX XXXX is reporting my account as in collections to the credit bureaus, which has negatively impacted my credit score and is damaging to my financial reputation. 

This is unacceptable and a violation of fair credit reporting practices. I am requesting the CFPBs assistance to : Investigate Grow Credits inaccurate reporting. 
Require them to immediately correct my credit report to reflect paid as agreed or closed in good standing. 
Ensure this error does not affect my creditworthiness moving forward. 
I have documentation supporting my claim, including payment confirmation, the deposit refund check, and Grow Credits closure notice. I am happy to provide any supporting materials needed for your investigation. I also want to note that I made this payment on XX/XX/year>. 

Thank you for your time and attention to this matter. I hope for a swift resolution. 

Sincerely, 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 2025-07-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this formal complaint against Experian for failing to investigate a credit dispute I initiated, despite my providing the necessary documentation to verify my identity and authorization for the request. 

Here are the details of my case : Nature of the issue : I submitted a credit dispute to Experian and despite submitting a copy of my drivers license, Experian has refused to properly investigate my dispute. 

Experians response : They denied or failed to process my dispute, citing " that does not appear to have been sent directly by you or to be authorized by you ''.

I have followed all necessary steps, including submitting the required identification. Despite this, Experian refuses my request. This has created an unnecessary roadblock in resolving my credit issue. 

I respectfully request that the CFPB intervene and ensure that Experian follows legal obligations under the Fair Credit Reporting Act ( FCRA ) and conducts a proper investigation. 

Please let me know if you need any additional information from me to proceed with my complaint. I am eager to resolve this matter as soon as possible. 

Thank you for your attention to this issue.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/year>, while on vacation in California, I visited a store called XXXX XXXX XXXXXXXX XXXX, located on XXXX XXXX, CA. I intended to purchase XXXX perfumes totaling approximately \ {$65.00}, but was later charged \ {$380.00} on my Discover credit card. 

When I entered the store, the salesman repeatedly said phrases like its on me, dont worry about it and was very evasive about the prices, even when I asked. He kept trying to add additional perfume bottles, saying they were on him or free. In the end, I selected XXXX perfumes I believed I would be paying for ( around \ {$65.00} total ), and he added a third bottle, claiming it was complimentary. At no point did he tell me the total price, and I was never told Id be charged \ {$380.00}. 

The store did not provide a receipt, which I now believe was intentional to prevent me from disputing the charge. When I saw the full charge on my sent to my phone number a few minutes after the purchase, I returned to the store XXXX separate times and also called the manager, attempting to get a refund. I was refused each time. I even returned the item, but was still denied a refund. The store cited a no refund or exchange-only policy, only AFTER i attempted to get a refund. This is a case involving overcharging and deceptive sales tactics. 

I do not reside in California and can not return to the store again. I was only in the state on vacation. 

I then disputed the charge with Discover, explaining the situation. However, Discover denied the dispute, stating the merchant provided evidence of a no-refund policy. They told me I needed documentation showing I was overcharged, but I have none because the store deliberately did not give me a receipt. 

This is not a case of buyers remorse. I was misled, not shown prices, deceived about the prices of the perfumes, and never authorized a \ {$380.00} transaction. I also returned the item the same day on XX/XX/XXXX, and the store still kept my money. Discover failed to conduct a reasonable investigation, as required under the Fair Credit Billing Act, by dismissing all of this and simply siding with the merchant.

I want Discover to reopen and properly investigate my dispute and issue a refund for the full \ {$380.00} charge.

Discover has failed in its obligation to protect consumers from unauthorized or deceptive charges. A merchant should not be allowed to engage in misleading sales tactics, refuse to show prices, fail to issue a receipt, overcharge a customer, deny a refund after the item is returned, and then rely on a no refunds sign to avoid accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
I am disputing multiple inaccurate items on my Equifax credit report. I am a confirmed victim of the XXXX  Equifax data breach and my personal identifying information was compromised. Because of this, Equifax has a heightened legal duty to ensure the accuracy and integrity of my file, including verifying all reported accounts. Equifax has failed to remove unverifiable and inaccurate information even after formal disputes and reinvestigation requests. These errors may be a result of identity theft stemming from the breach. I am requesting a complete deletion of the disputed accounts or sufficient documentation that proves full legal liability, authorization, and account ownership beyond doubt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: LA

Complaint narrative:
Reached out to XXXX XXXX XXXX to enact my SCRA benefits for being XXXX XXXX military in the state of Louisiana. Ive called on a few occasions and theyre always busy. I leave voicemails and never get a call back. Ive sent two messages on XXXX XX/XX/year> within the website to no response.

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 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XXXX national credit systems has been an attempting to collect On a debt that's inaccurate information claim. 
XXXX XXXX for damage carpet and other miscellaneous charges for an apartment complex.That I had no broken leases with and my lease was ending i went to court for this matter. I also have send this company the dismissal paper from the courts. I have disputed this several times but this continues to sabotage my credit profile with inaccurate inpermission.They refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-11 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-11 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-11 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: TX

Complaint narrative:
This reporting is inaccurate and misleading. Continuing to report this account as a profit and loss write-off despite evidence to the contrary is a violation of my consumer rights.

Under the Fair Credit Reporting Act, you have legal obligations as a data furnisher : 15 U.S.C. 1681s-2 ( a ) requires that you report only accurate and complete information to credit reporting agencies.

15 U.S.C. 1681s-2 ( b ) requires that upon notice of a consumer dispute, you must conduct a reasonable investigation and correct or delete any information that is found to be inaccurate or unverifiable.

15 U.S.C. 1681e ( b ) obligates all entities involved in credit reporting to follow reasonable procedures to ensure maximum possible accuracy of information.

The continued reporting of this account as a charge-off or profit and loss write-off after its resolution is not only incorrect but potentially damaging to my creditworthiness and financial reputation.

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 2025-07-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX CT XXXX, GA XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/25 XXXXXXXX XXXX Date : XX/XX/25 XXXX  Date : XX/XX/25

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/year> Credence Collection Agency called me regarding a debt from XXXXXXXX XXXX XXXX I advised the re that the bill was paid in full to XXXX XX/XX/year> and I had been on a payment plan with XXXX that was never outstanding so the account should not have gone to collections. The collections rep refused to verify the account with XXXX and refused to mail any verification of the debt. I called XXXX myself who did verify there was XXXX balance and the account was paid in full. XXXX stated they would contact Credence. I also filed a complaint with XXXX and XXXX confirmed there is XXXX balance and the account was sent in error. They apologized. On XX/XX/year> Credence called again insisting I owe money & the rep refused to confirm with XXXX. I sent screenshots of the payments and XXXX paid in full along with the correspondence from XXXX to XXXX where they state again that the account is paid in full and was sent to collections in error. XXXX confirmed again on XX/XX/year> that the balance is zero and Credence should not be contacting me. XXXX XXXX states their reviews will take XXXX weeks and theyll let me know their decision. Its ridiculous. The bill is paid. Stop contacting me.

Company response to consumer: Closed with non-monetary relief