vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NY

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Value Recovery Holding, LLC
State: NC

Complaint narrative:
At XXXX on XX/XX/year>, I received a call from XXXX from a company called the XXXX XXXX XXXX. ( Website that they provided XXXX  doesn't exist. See screenshots ) They state that I applied for a payday advance loan that I know I never applied for and were try to get me to pay. At that time, I just started receiving my XXXX XXXX compensation and was not working. I was going to school at that time and would be never apply for a loan due to this. The information they provided me on my location at that time was false as well. I at that time had a freeze on my account to prevent unauthorized access to my accounts and credit report. I still have a credit freeze on my account via XXXX. I want to report that this company is fraudulent.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-03 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:
Take a moment to review the materials ; the inquiries were submitted with no advance warning and could be unapproved.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Issue : My student loan servicer is reporting inaccurate balance and interest information and has failed to update my account status despite my pending XXXX XXXX and XXXX applications. 

What happened : I submitted a XXXX XXXX application in XXXX and an XXXX XXXX ( XXXX ) application in XX/XX/XXXX. Both applications remain pending due to the federal injunction issued on XX/XX/XXXX and reaffirmed on XX/XX/XXXX, which prevents the Department of Education from adjudicating XXXX XXXX claims until the injunction is lifted. 

Because of this injunction, my loan status has not been updated by the servicer. However, the servicer continues to report an incorrect balance and has recently begun reporting new interest accrual, even though the account is in pending federal review and has not been properly assessed for repayment status. 

The reporting on my credit file is incomplete, inaccurate, and misleading, especially since my loan status can not be updated due to the injunction. This is harming my debt-to-income ratio, causing issues with mortgage qualification and interest rate eligibility. 

Servicer issues include : Incorrect loan balance being reported Interest being added despite no adjudication or updated repayment plan Failure to report the loan as pending review No response to my XXXX XXXX or XXXX inquiries Violations of XXXX requirement for accurate and verifiable 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 2025-12-03 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: FL

Complaint narrative:
Issue : My student loan servicer is reporting inaccurate balance and interest information and has failed to update my account status despite my pending XXXX XXXX and XXXX applications. 

What happened : I submitted a XXXX XXXX application in XXXX and an XXXX XXXX ( XXXX ) application in XX/XX/XXXX. Both applications remain pending due to the federal injunction issued on XX/XX/XXXX and reaffirmed on XX/XX/XXXX, which prevents the Department of Education from adjudicating XXXX XXXX claims until the injunction is lifted. 

Because of this injunction, my loan status has not been updated by the servicer. However, the servicer continues to report an incorrect balance and has recently begun reporting new interest accrual, even though the account is in pending federal review and has not been properly assessed for repayment status. 

The reporting on my credit file is incomplete, inaccurate, and misleading, especially since my loan status can not be updated due to the injunction. This is harming my debt-to-income ratio, causing issues with mortgage qualification and interest rate eligibility. 

Servicer issues include : Incorrect loan balance being reported Interest being added despite no adjudication or updated repayment plan Failure to report the loan as pending review No response to my XXXX XXXX or XXXX  inquiries Violations of FCRAs requirement for accurate and verifiable 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 non-monetary relief
Consumer complaint received 2025-12-03 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 writing to dispute the following accounts that I believe are inaccurately reported on my credit report. Please find the disputed accounts separated by bureau below : Charged Off Account : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$74.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/year>

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint because Jefferson Capital Systems is reporting an inaccurate and illegally re-aged XXXX XXXX collection account. 

My official TransUnion AnnualCreditReport shows : Estimated Removal Date : XX/XX/XXXX This means the Date of First Delinquency ( DOFD ) is XX/XX/XXXX, because negative information must be removed 7 years after the DOFD. 
However, XXXX XXXX is reporting this account as Opened : XX/XX/XXXX, which is XXXX years after the actual delinquency. 

This is illegal re-aging under : FCRA 623 ( a ) ( 5 ) ( failure to report the correct DOFD ), and FCRA 605 ( c ) ( prohibition on changing the DOFD to extend the reporting period ). 

I contacted XXXX directly, and they confirmed that my account was suspended in XXXX, and that there was no active service after that point. This aligns with the DOFD being in XXXX, not XXXX. 

XXXX XXXX has also failed to provide any validation or documentation to me to support this debt, despite it being disputed. They never supplied : The original XXXX XXXX contract Itemized billing Proof of assignment or ownership A breakdown of charges after suspension Any explanation for why they reported the account as opened in XX/XX/XXXX Additionally, the credit reporting bureau XXXX has now verified this inaccurate information multiple times, despite not providing ANY documentation to me. 
My disputes were resolved within 2 days and 9 days, which is not enough time for a reasonable investigation, violating FCRA 611 ( a ) ( 1 ) ( A ). 

I have screenshots showing : My disputes filed through TransUnion ( via XXXX XXXX ) Both disputes marked as Denied without documentation The same inaccurate XXXX opened date The XX/XX/XXXX estimated removal date confirming DOFD of XX/XX/XXXX Because Jefferson Capital is reporting incorrect dates, and because TransUnion failed to conduct a reasonable investigation, this account is inaccurate, misleading, and non-compliant with federal law. 

I am requesting that the CFPB investigate the following violations : XXXX. Illegal re-aging of my account by Jefferson Capital Systems. 
XXXX. Failure to report the correct Date of First Delinquency ( DOFD : XX/XX/XXXX ). 
XXXX. Failure to provide debt validation under FDCPA 809 ( b ). 
XXXX. Inaccurate reporting of a XXXX opened date. 
XXXX. Failure by TransUnion to conduct a reasonable investigation under FCRA 611. 
XXXX. Continued reporting of information that is inaccurate and unverifiable. 

Requested Resolution : I am requesting that Jefferson Capital Systems and TransUnion delete this collection account from my credit reports, as it is inaccurately reported, legally re-aged, and unverifiable. 

I am also requesting written confirmation once the account has been removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have been trying to obtain some sort of temporary financial help from US Bank for months now and feel that I have been jerked around, misguided and not treated fairly. They are not transparent and don't explain anything clearly at all, and have put me in a worse situation than I started. I was being proactive to get ahead of the situation and now I am months behind. On top of their vague responses, I have received multiple letters from them, each with conflicting information on them and the date in which they were generated doesn't coincide with the update on the prior one. For example I received a letter dated XXXX stating my review has been closed, but a second letter came dated XXXX that says they received my application but the application is incomplete ( with NO explanation of what was not complete ), they just mailed the application form to me, which I already submitted with a LOE and hardship letter, proof of new job, offer letter from company with compensation schedule etc. This is unacceptable. I have the email showing they received my documents that I sent on XXXX and then they say they don't have them. I sent them again on XX/XX/year>. I had already filed a complaint regarding the handling of my very first application process and how that was handled and they suggested I submit a second one and here I am again, experiencing this all over again and now worse issues. This is abusive practices and especially to vulnerable parties, trying to keep my house and make payments. I want to repay my loan and want to come up with a solution and it seems they are making it very hard for me to do so. Then they assign you a XXXX XXXX ( in the letter ), give you her name and extension, but you can never speak to her. There are no options for entering extensions when you call and XXXX of the representatives told me they did away with that during covid. Well maybe you should take it off your letter then. XXXX was 6 years ago people. This is circus show and it's so disheartening. I have cried on the phone to these people, that I need help [ and want to get this resolved, this is my home, my life here we are talking about, not some credit card.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Concora Credit services regarding my account opened in XX/XX/year>. 

Since I opened the account, I was being charged a fee for credit protection that I was unaware of. It was not a separate signed contract or agreement or explicitly clear that I would be charged {$16.00} for a credit protection that in turn put my account over limit and was charged {$41.00} for a over limit allowance fee, as in they charged me for the ability of my account going over limit. 

The credit protection fee accumulated over the last 9 months and put my account over limit and increased over limit fees and then increased my interest as a result. 

I have used the credit card for personal purchases a total of XXXX times in XXXX months, and Concora was charging me nearly a $ XXXX  monthly with these fees that were not made explicit clear. 

Concora representative XXXX, ID XXXX, stated that I only had XXXX days to get a full reversal. I asked him where that policy was, he did not give it to me. 

I asked for the last XXXX months of fees of credit protection, over limit, and interest fees to be removed or adjusted. 

Concora only removed credit protection charges for XXXX, XXXX, and XXXX, and overlimit fees only for XXXX and XXXX. 

They did not reverse any of the interest accrued as a result of these charges or the rest of the XXXX months this has been ongoing for. 

The total feels from Concora accumulate to nearly {$400.00} and I have only used the credit card a total of XXXX times in the last XXXX months. All purchases aside from XXXX being below {$50.00}. 

This has put me under immense financial hardship. I am paying monthly and consistently to the best of my capabilities but have been consistently underwater due to these fees I was not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling I lost my laptop, wallet, phone and all my identity documents which led to unauthorized individual gaining access to my personal information and opening these accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-03 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-03 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC 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