vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion Consumer Solutions for violations of the Fair Credit Reporting Act involving the unlawful reinsertion of a previously deleted account. 

An account furnished by XXXX XXXX XXXX XXXX was previously disputed and deleted from my TransUnion credit file on XX/XX/year> after TransUnion failed to verify its accuracy. Despite this deletion the account was reinserted on XX/XX/year> without any advance or subsequent written notice to me.

This action is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ) which clearly requires that a consumer be notified in writing within XXXX business days when a previously deleted account is reinserted. To date I have received no notice whatsoever explaining the reinsertion or providing documentation supporting its accuracy. 

This reinsertion has caused measurable harm including credit score damage and adverse reporting of inaccurate information. TransUnion has failed in its duty to maintain maximum possible accuracy and failed to follow mandatory procedures governing reinsertion. 

The disputed account details are as follows Creditor XXXX XXXX XXXX XXXXXXXX Account Number Unknown or Not Provided Date of Deletion XX/XX/year> Date of Reinsertion XX/XX/year> I am requesting CFPB assistance to require TransUnion to do the following immediately Remove the reinserted account from my credit 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 explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
i recenty review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-24 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 am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: AL

Complaint narrative:
I am filing this complaint against Checkr , Inc. for inaccurate background check reporting, continued reporting after notice, and obstruction of my statutory right to access consumer reports used for adverse employment actions. 

Checkr prepared multiple background check reports about me that were provided to employers and gig platforms ( including XXXX, XXXX, XXXX XXXX, and XXXX ). These reports contained criminal case information from XXXX XXXX, Washington that was reported as pending, guilty, or otherwise adverse before adjudication, after legal discharge, and after vacatur, despite my fulfillment of all court obligations by XX/XX/year>. 

I formally disputed this information in writing. Checkr acknowledged receipt of my dispute. Despite this notice, Checkr continued to publish the same inaccurate information, resulting in additional adverse actions and loss of income. 

When I attempted to access historical reports through Checkrs Candidate Portal, I was blocked and informed that Checkr does not provide access to reports older than 12 months. Checkrs support materials confirm this is an intentional policy. No alternative disclosure was automatically provided. 

Checkrs internal portal-access policy does not override my rights under the Fair Credit Reporting Act to obtain copies of consumer reports prepared about me and used for adverse or pre-adverse employment decisions. 

As a direct result of Checkrs inaccurate reporting, continued reporting after notice, and obstruction of disclosure, I lost ongoing work opportunities and income across multiple platforms. I am requesting CFPB review and appropriate corrective and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this follow-up complaint regarding two XXXX accounts that continue to be reported on my credit files with unresolved inaccuracies despite my prior disputes and validation requests. The accounts at issue are XXXX  account XXXXXXXX XXXX XXXX XXXX  with a reported balance of {$23000.00} and XXXX  account XXXX XXXX XXXX XXXX with a reported balance of {$11000.00}, both of which remain on my credit reports with information that does not align with the disclosures, dates, or documentation I have attempted to obtain from the furnishers. I have exercised my rights under FDCPA 809 to request debt validation ; however, the responses provided failed to supply sufficient detail to establish the accuracy, ownership, or legitimacy of the reported balances and histories. In addition, discrepancies among the reported balances, dates, and communication records raise concerns under FDCPA 807 regarding potentially false or misleading representations and FDCPA 808 regarding unfair or unconscionable practices in the furnishing and management of these accounts. The continued reporting also appears inconsistent with multiple provisions of the Fair Credit Reporting Act, including FCRA 605 ( a ) relating to obsolete information, 605 ( c ) regarding the proper use and reporting of the date of first delinquency, and 623 ( a ) ( 5 ), which requires accurate reporting of delinquency dates. Furthermore, the presence of conflicting data and unclear verification procedures implicates FCRA 623 ( a ) ( 1 ) ( A ), which requires maximum possible accuracy, and FCRA 609 ( a ) ( 1 ), which guarantees my right to full disclosure of all information used to create these tradelines. I formally disputed these inaccuracies under FCRA 611, yet the responses provided by the credit bureaus failed to address the conflicting dates, missing documentation, or validation deficiencies, leading me to believe that the reinvestigation process did not comply with federal standards, necessitating CFPB oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am submitting a complaint regarding an inaccurate account on my XXXX  credit report. 

Creditor : Self Financial / Lead Account Number / Reference : XXXX Reported Amount / Balance : {$420.00} I previously disputed this account with XXXX, but it was verified as accurate. I believe this reporting is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigate this matter and ensure that XXXX  and XXXX XXXX correct or remove any inaccurate information. 

Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX SSN ( last XXXX digits ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint as my tenth formal dispute and final demand regarding the inaccurate and misleading reporting of my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Equifax credit report. This account is currently reported as late/closed with a {$0.00} balance, which is entirely inaccurate and unverifiable. Despite my previous disputes, this information remains, and its continued presence is damaging to my credit profile, financial well-being, and ability to access credit fairly. 
The reporting of this account in its current form violates multiple provisions of the Fair Credit Reporting Act. Specifically, FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) requires Equifax to conduct a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) governs the duties of furnishers to provide accurate information, and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum accuracy. Reporting this account as late or closed, despite a XXXX balance and lack of supporting documentation, is a clear violation of these laws and is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments across several accounts on my Equifax credit report. Equifax is reporting payments as late that were made on time, yet this false information continues to appear on my credit file. These inaccuracies are damaging my credit score and misrepresenting my true payment history. Despite my timely payments, these accounts are not being reported accurately, which violates my right to fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-24 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: PA

Complaint narrative:
This account was wrongfully attributed to me and the reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: MO

Complaint narrative:
On XX/XX/year>, I had a one-time payment of {$390.00} taken for my Discover credit card under a payment plan/hardship arrangement. This payment posted to my Discover account and caused an overdraft and immediate financial hardship because I am between jobs and the funds were needed for basic living expenses. 

On the morning of XX/XX/year>, I called Discover and was told by a representative ( after escalation to a supervisor ) that the {$390.00} would be refunded back to my XXXX bank account and that it would take XXXX business days. I relied on that information. 

Later the same day, I contacted Discover again and was told the refund was denied. This was not presented earlier in the day when I was told the refund was already set. Discover has stated that multiple managers reviewed the call but they have not provided any review IDs, reference numbers, or documentation of the review outcome beyond opening a new complaint. 

When I requested any formal confirmation of these things this morning they said I would not receive anything. They said on the call that I could see the payment plan in the app and there would be no confirmation for the refund. 

I am requesting that Discover honor the refund that I was told was approved and in process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I believe that prepaidgiftbalance.com is a scam of a company. I went on their website on XX/XX/year> to check the balance on two cards I know I have never been used. Both cards were unable to be validated. I then called the company at XXXX and was told the cards was not in their system. I then reached a human and was told the card had a XXXX balance. Not sure how that is possible. I think this company should be put out of business. Clearly fraudulent.

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 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Ive been fighting for 4 years to get my parents house.i have now been trying to get a buyout letter since XXXX.i have been calling, emailing, going to the local branch, talking to supervisors etc. All telling me they will send one out and still nothing .i have another court case in XXXX and i feel like they are holding out so i loose the house

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 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My federal student loans are being reported inconsistently and inaccurately across XXXX XXXX XXXX XXXX. 
The same student loan accounts are reported as deferred with payments scheduled to begin in XX/XX/year> on XXXX, while XXXX XXXX XXXX report the same loans as 120+ days past due with active delinquency histories. 
A student loan can not simultaneously be in deferment and seriously delinquent. These contradictory statuses are materially inaccurate and misrepresent my creditworthiness. 
I disputed these inaccuracies through the credit reporting agencies. Despite this, the conflicting information remains and has not been corrected. 
This inaccurate reporting has caused significant harm, including the denial of my XXXX XXXX XXXX application after I qualified and passed XXXX, based on credit-related findings tied to these student loan tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Acct XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to follow reasonable procedures to ensure maximum possible accuracy. 
The most glaring issue in your report is the " CO '' ( Charge-Off ) status being reported month-over-month for nearly five years. A " Charge-Off '' is a one-time accounting event ; continuing to report it as a monthly recurring status can be considered inaccurate and misleading. 
To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported for the above-referenced account. After reviewing my XXXX  credit report, I have identified blatant violations of the Fair Credit Reporting Act ( FCRA ) that require immediate deletion of this trade line. 
Violations Identified : Violation of 15 U.S.C. 1681e ( b ) : XXXX  has failed to follow reasonable procedures to ensure the " maximum possible accuracy '' of the information. The payment history shows this account being " Charged Off '' every single month from XX/XX/XXXX through XX/XX/XXXX. A charge-off is a singular event, not a recurring monthly status. Reporting it as a recurring monthly event artificially suppresses my credit score. 
Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : The furnisher is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting a " Charge-Off '' status for 50+ consecutive months is factually impossible and legally inaccurate. 
Inconsistent Data : The " Status Updated '' date is listed as XX/XX/XXXX, yet the furnisher continues to update the status monthly through XX/XX/XXXX. This is a contradiction in data reporting that proves the internal records are unreliable. 
Demand for Investigation : Under 15 U.S.C. 1681s-2 ( b ), the furnisher is required to conduct a meaningful investigation into this dispute. If the furnisher and XXXX  can not verify the absolute accuracy of this specific reporting patternspecifically the repetitive monthly charge-off notationsthis account must be deleted in its entirety immediately. 
Please note that continued reporting of verified inaccurate information subjects both the furnisher and the credit bureau to civil liability for willful non-compliance under the FCRA. 
I expect a response regarding the results of your investigation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to be reported with conflicting information, inconsistent account classifications, and unverifiable statuses : * XXXX XXXX Charged-off installment account reporting conflicting activity dates and a profit and loss write-off without proper disclosure or verification. 
* XXXX XXXX XXXX ( XXXX ) Account reported with inconsistent classifications and statuses across credit bureaus, with no validation of ownership or chain of assignment despite being disputed. 
* XXXX XXXX Account reported as a charge-off while simultaneously showing positive payment history and inconsistent term and activity dates. 

These errors demonstrate a failure to conduct a reasonable reinvestigation and a failure to provide the method of verification, in violation of 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IS SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDITELY

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