vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/year> requesting to have this removed and no response section section 15 usc 1682 c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Received call from Bank of America stating someone by the name of XXXX XXXX opened a account in my name in CA and posted XXXX payment for {$1400.00} and {$1900.00} the Fraud Dept personnel I spoke with is XXXX XXXX who called me at XXXX XXXX  XX/XX/25 from XXXX and gave me XXXX phone number XXXX to call and stop payment.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
XXXX refuses to remove outdated student loan information from my credit report. Despite multiple attempts to dispute this inaccurate and obsolete data, it remains. 

The student loan in question has long since been resolved and should no longer appear on my credit file per the Fair Credit Reporting Act ( FCRA ). I consolidated my student loans and since they have been in good standing. Not to mention that said loans were over 10 years old and exceed the time to be on credit report. I have submitted documentation and followed all the necessary procedures, yeXXXX XXXX has continuously failed to take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
I discovered that i was a victim of the Equifax data breach and upon checking my credit report i found several unauthorized accounts! This is affecting my report negatively and preventing me from getting credit for myself and my children! FCRA 605B states that these accounts must be blocked from my profile! Please Remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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 2025-05-24 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: NV

Complaint narrative:
I have a loan with XXXX  for $ XXXX since XXXX.And I have been praying {$2200.00} every month since then. They started showing me delinquent right from the beginning and I found out it's because they Don't take partial payments where I pay twice a month for {$1100.00}. They take the initial payment and put it in a savings account somewhere and do not apply it to my loan. And when they get the second payment, they apply that to the loan and show that I am short. I have had many conversations with them. And they refuse to update their system to allow for multiple payments. They tell me that they have to actively go look in the other account to see if that's where they have money of mine and then they have to pull it back and apply it to my loan.And i've been told several times that they have to constantly do this and they're not going to do 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 non-monetary relief
Consumer complaint received 2025-05-24 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM finance has our account listed as a charge off on our credit report when it was paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks!

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 2025-05-24 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am filing this complaint because my credit report is being inaccurately re-aged by the original creditor, XXXXXXXX XXXX The account beginning in XXXX and first delinquency in XX/XX/XXXX was charged off over five years ago and should reflect a single charge-off event dated XX/XX/XXXX, not XX/XX/XXXX, as repeated with 180 days past due on one report and inaccurate across all reports.

However, the creditor continues to report a CO ( charge-off ) status every month, making it appear that the account is being continuously charged off. This violates the Fair Credit Reporting Act ( FCRA ) 605 ( c ), which prohibits reaging of accounts by updating the delinquency date.

This misreporting damages my monthly credit score and falsely suggests a recent delinquency.

I request that the CFPB investigate this illegal reporting and that the creditor and credit reporting agencies either : Correct the reporting to reflect only the original charge-off month, or Please remove the account entirely from my credit reports.

Attached are excerpts of my credit reports showing the monthly CO status after the original charge-off date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am filing this complaint because my credit report is being inaccurately re-aged by the original creditor, XXXXXXXX XXXX The account beginning in XXXX and first delinquency in XX/XX/XXXX was charged off over five years ago and should reflect a single charge-off event dated XX/XX/XXXX, not XX/XX/XXXX, as repeated with 180 days past due on one report and inaccurate across all reports.

However, the creditor continues to report a CO ( charge-off ) status every month, making it appear that the account is being continuously charged off. This violates the Fair Credit Reporting Act ( FCRA ) 605 ( c ), which prohibits reaging of accounts by updating the delinquency date.

This misreporting damages my monthly credit score and falsely suggests a recent delinquency.

I request that the CFPB investigate this illegal reporting and that the creditor and credit reporting agencies either : Correct the reporting to reflect only the original charge-off month, or Please remove the account entirely from my credit reports.

Attached are excerpts of my credit reports showing the monthly CO status after the original charge-off date.

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 2025-05-24 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:
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. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts consist of : - A credit card opened at XXXX on XX/XX/XXXX under account number XXXX. 
- A credit card opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A credit card opened at XXXX on XX/XX/XXXX under account number XXXX. 
- An auto loan opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A credit card opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. 

These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: AZ

Complaint narrative:
I was contacted by the company Structured Settlement about a month ago. I did not receive any previous correspondence from them about my debt, including any emails with an option for me to dispute the debt, nor that they have taken over my debt from the original lender. I received a call in which i was told i would need to make an initial payment soon or else they would be able to send it to a law firm and start legal proceedings. This was on our first call and again, no prior correspondence via email or text from this company. I have tried to XXXX Structured Settlement to see about an online portal or to verify information but i only get search results for structured settlements in my area. After the call, in which they set up a payment plan, i was supposed to get an email from them outlining the details. It was not received and i had to call them back to receive an email, despite them having the correct email on file and it not going to my spam folder. The attached document shows the current creditor as XXXX XXXX XXXX XXXX, i was not aware of this and even googling their name brings up a website where i dont have the options to pay my debt or review it. I fear i may have been scammed by them and also felt coerced into a payment arrangement because of the verbiage used on the phone call. I'm unsure of who they have been trying to contact but they did contact someone i live with despite having spoke with me and confirming my contact information. I checked my call logs for a prior day when i was unable to make a payment due to many unexpected bills and they called me three times during my workday and did not leave any voicemail, text, or email regarding it. I have attached screenshots of the day where i was unable to pay that morning because of unexpected bills taking priority. Obviously i did try to call back on a few but 3 times in one day, plus the call to someone i know and who knows how else they tried to contact is a lot. Im nervous to contact this company back again after the first initial call, the language of a lawsuit and being pressured to pay makes me feel very anxious and freeze up and start to panic.

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
XX/XX/year> credit one attempted to collect a debt with incorrect social and not my debt. Phone call was recorded. Debt disputed and removed off all XXXX reporting agencies. Creditor then proceeded to sell off debt to portfolio right after. Portfolio has made phone calls to collect debt and they were advised not mine wasn't correct social and already disputed and removed and credit one knows this. They stated they updated file and now have correct social. However my question is how did they obtain my social being im law enforcement tells me it was illegally done. I have requested them to validate debt and what the original creditor has. They refused and proceeded to send letters. I had my spouse explain to them the legal action we will take and read them off the laws and then again requested to validate debt. They stated sorry to late past the time you must pay. We proceeded to explain that original creditor had the debt until end of XXXX how did they obtain it in XXXX and send letters. We just recently started dealing with them. Again I told the lady call is recorded. They said they can only put in a request to validate debt most likely wont be approved it's to late. And they will try and dispute it again ( we never put it in dispute with them only original creditor ) but will have to check later. This is complete illigal and deceptive business practices to collect on a debt with an incorrect social and then obtain social illegally to collect debt and refuse to show proof and validate as they know they changed the information from original debt. Please look into this company as I already see plenty of law suits against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XX/XX/2025, I received a credit card statement from Citibank Citi Card in the amount of {$3100.00} for a card that I neither applied for nor ever received. This is clearly a case of Identity theft. I called the company and stated this on XXXX XX/XX/2025. They are reporting it to the Fraud Department and a letter will be sent to me within 15 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2025 requesting to have this removed and no response section section 15 usc 1682 c

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XX/XX/year> requesting to have this removed and no response section section 15 usc 1682 c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/2025 requesting to have this removed and no response section section 15 usc 1682 c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IL

Complaint narrative:
Beginning on XXXX XXXX of this year, I submitted a notarized affidavit to Discover CFO XXXX XXXX  XXXX requesting that they provide validation- and not a mere verification- for an account they allege I have an outstanding balance on. More specifically, I was formally requesting a full accounting disclosure under applicable consumer protection laws and banking regulations, including, but not limited to : Regulation Z ( TILA ) ; GAAP ; FCBA ; etc. When they failed to respond, I then submitted another certified letter on XX/XX/year>, and still did not receive a favorable respoinse. Then, on XX/XX/year>, I sent 2 notarized, certified letters in which I made a FOIA request. One copy was dircted to the attention of an employee named XXXX XXXX no last name was given ), along with the corporate CFO. This was mailed to the Executive Office of Customer Advocacy, while the other was sent to the VP/CFO of Discover XXXX XXXX  XXXX However, to date, Discover has refused to provide me with the requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XXXX XXXX. 


This item was removed from my credit report in late XXXX or early XXXX. The credit bureau placed this back on my credit report and has failed to provide me with the actual proof of the debt from the creditor as requested. Under FCRA laws they must provide detailed information and notification of a reinvestigation which they did not do. Furthermore, they keep sending dispute results that just say Remains without proof. I am asking that this get removed from my credit report before I seek further legal action under FCRA laws.

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 2025-05-24 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 submitting a complaint about XXXX XXXX XXXX XXXX, account number beginning with XXXX, which is reporting negatively only on my Experian credit report and not at all on XXXX XXXX XXXX 

The account history on Experian shows : 30-day late : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This account is completely missing from the other two major credit bureaus ( XXXX XXXX XXXX XXXX XXXX 

This inconsistent and selective furnishing violates the Fair Credit Reporting Act ( FCRA 623 ), which requires data furnishers to report accurate and complete information and not mislead or re-age accounts.

I am requesting that the CFPB investigate this account and require XXXX XXXX to either : Correct and furnish the same data to XXXX XXXX XXXX XXXXor consistency ; or Remove the mortgage tradeline from Experian if the account is no longer verifiable or has been closed and should be uniformly reported. 

Attached are credit reports showing the Experian data and absence on 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