vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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:
My complaint lies with both TransUnion and with XXXX XXXX I have submitted numerous times with multiple disputes as well as request for how investigation information was determined. One account in particular is an account that XXXX funding claims I owe because they bought a debt from XXXX XXXX  which was a XXXX store card. I sent an email I received from XXXX XXXX XXXX XXXXXXXX stating on XX/XX/year> that my XXXX XXXX  was transitioning from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I have disputed XXXX  ownership of this account numerous times and neither TransUnion nor XXXX XXXX will remove this from my account. So essentially I show I owe {$340.00} on a credit card to a company that did not own the account that they sold. XXXX XXXX has also continued to keep other collection accounts on my TransUnion file despite having to remove them from both XXXX  and XXXX  because of their inaccuracy and proof of ownership that they could not provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because the credit bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA ) in relation to my previous disputes. 
On multiple occasions, I have formally disputed inaccurate or unverifiable accounts appearing on my credit reports, specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my written requests under FCRA 609 ( a ) ( 1 ) ( A ) and 611, the credit bureaus have failed to provide proper verification or original documentation that substantiates the accuracy of the negative information being reported. 

The responses I received were generic and automated, lacking any supporting evidence such as : The original signed credit application, Detailed billing and payment history, Written notices of delinquency or correspondence from the creditor, Proof that these accounts were legally verified by the data furnisher. 

This violates my rights as a consumer under XXXX5 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 1681s-2 ( a ) ( 1 ) ( A ), which prohibit furnishing or maintaining inaccurate information once a dispute has been made.

I have sent two written disputes requesting reinvestigation and proper validation, yet the accounts continue to be reported without full verification. This continued reporting is causing harm to my creditworthiness and preventing me from obtaining fair access to 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 explanation
Consumer complaint received 2025-11-06 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:
Im not responsible for these accounts ; they need to be taken off within 15 days as per USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am requesting a reinvestigation of the following charged-off accounts appearing on my Experian credit report. I have reason to believe some items may be inaccurate or unverifiable. 

Charged-Off Accounts in Dispute : DPT EDXXXX XXXX XX/XX/XXXX {$27000.00} DPT EDXXXX XXXX XX/XX/XXXX {$6100.00} DPT EDXXXX XXXX XX/XX/XXXX {$8400.00} DPT ED/XXXX XXXXXXXX XX/XX/XXXX {$1600.00} DPT EDXXXX XXXX XX/XX/XXXX {$5200.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$950.00} XXXX  XXXX XXXX XX/XX/XXXX {$840.00} XXXX  XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment in Dispute : XXXX  XXXX I am also disputing the late payment reported under this account. Please verify its accuracy or remove the negative notation if it can not be substantiated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
This MoneyLion account is being reported inaccurately on my credit file. The account was charged off several years ago but is now showing as if it were recently opened and charged off again, which misrepresents the true date of first delinquency. This ongoing reporting error is misleading and extends the time the account appears derogatory on my report, in violation of the Fair Credit Reporting Act 623 ( a ) ( 5 ). I have already disputed this information with all three credit bureaus, but the furnisher continues to report it incorrectly. I am requesting that the account be permanently deleted or corrected to reflect the accurate original delinquency date.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I opened tow accounts with Truist bank in XXXX, MD. I deposited two payroll  checks from my job ( XXXX XXXX XXXX XXXX XXXX ). When depositing the checks I had one cashed and withdrew {$200.00}. Upon returning home I attempted to set up my online banking, but was given an alert. I called the bank and was told that there was some fraudulent activity and the accounts were being closed. I have not been told why that suspect fraud and my funds have not been returned. I made contact with the fraud department of Truist and was told that there funds where ready for claim but feel now as if the are giving my the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 filing a complaint against XXXX Equifax, XXXX XXXX  because my credit reports show several unauthorized hard inquiries and negative accounts that I did not apply for or approve. I have strong reason to believe that my personal information was compromised as part of the recent XXXX data breach. 

This situation is very concerning because it suggests a possible failure to maintain reasonable procedures to ensure the accuracy, confidentiality, and security of consumer information, as required under the Fair Credit Reporting Act ( FCRA ). These unauthorized inquiries and accounts are damaging my credit and causing financial harm. 

Details of the disputed items Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO Account # XXXX * * * XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO Account # XXXX * * * * XXXX XXXX XXXX Account # XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MA

Complaint narrative:
I am a consumer actively working to resolve inaccurate information on my credit report. Below are the accounts that I am disputing, categorized by each credit bureau. I respectfully request that the disputed information be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Inquiries XXXX Date of Inquiry : XX/XX/XXXX Late Payment XXXX/XXXX  Account Number : 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 2025-11-06 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: GA

Complaint narrative:
I am trying to get a house and I am not able to due to damages to my credit. According to the 15 U.S.C 1681 this has caused deformation to my character and I am asking that you remove this from my credit. 

As of XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am disputing several accounts on my Equifax credit file that appear to be inaccurately reported. 
The accounts listed below show charge-offs or delinquencies that I believe are incorrect or can not be verified. 
Please conduct a reinvestigation and remove or correct any information that is not fully supported by the furnisher. 

Charged-Off Accounts in Dispute : XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXXXXXX Opened XX/XX/XXXX {$0.00} XXXX XXXXXXXX Opened XX/XX/XXXX {$410.00} XXXX XXXXXXXX Opened XX/XX/XXXX {$2300.00} Late Payment Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that Equifax verify each of these accounts directly with the original creditors and provide documentation supporting their accuracy or remove them if unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I noticed a collections account on my credit report from Jefferson Capital Syst for the amount of {$510.00} that is associated with a XXXX XXXXXXXX XXXX XXXX 

The account number is listed as XXXX and days it was opened on XX/XX/year>. 

I have no knowledge of this account and did not open a XXXX XXXXXXXX XXXX XXXX. This debt does not belong to me, and they ( Jefferson Capital ) are hurting my credit score with their collection attempts. 

I've contacted Jefferson Capital several times since I noticed the collections account on my credit score, and they have not provided me any information or proof regarding the debt aside from that it is for {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
In XX/XX/year> I purchased merchandise from XXXX XXXX XXXX through XXXX  using an XXXX XXXX XXXX  The purchase was returned to the store and the items were received on XX/XX/year>. XXXX processed a refund for the returned merchandise in the amount of {$150.00} ( after tax ). Instead of refunding the XXXX XXXX used for the purchase, the refund was processed to my personal payment method outside of the XXXX XXXX  XXXX  system. 

Because the refund was misrouted, XXXX  system did not receive or register the refund and subsequently reported the loan as delinquent to the credit reporting agencies. I repeatedly contacted the merchant ( XXXX XXXX XXXX ), XXXX, and XXXX  to resolve the issue. XXXX Customer Service confirmed the refund was processed for the returned items and provided the return receipt as proof of refund. XXXX escalation team also confirmed refunds were processed and directed me to coordinate with the merchant and the financing company ; XXXX assigned Case # XXXX in connection with the issue. 

I disputed the inaccurate reporting with the credit bureau and provided supporting documentation, but the negative item remained. I notified XXXX of the misrouted refund and provided documentation from XXXX and XXXX showing the refund was processed but applied to the wrong payment method. XXXX initially responded that it was my responsibility to pay and declined removal of the late payments. At a later contact XXXX acknowledged they would refresh the credit and subsequently escalated the matter to a higher department and opened a reinvestigation. Despite these communications and the merchant confirmation that the refund was misrouted, the delinquency remains on my credit report and continues to harm my credit. 

I have repeatedly attempted to resolve this directly : I disputed the item with the credit bureau, provided XXXX confirmation and XXXX  correspondence as evidence, and communicated with XXXX  support and escalation teams. XXXX has been notified of the merchant refund error and was given written confirmation from the merchant and from XXXX, yet XXXX  reporting on my credit file has not been corrected. This is an inaccurate credit reporting issue caused by a confirmed merchant refund routing error, not by consumer nonpayment. 

Documents I am providing with this complaint : merchant confirmation of refund ( receipt and customer service email from XXXX ), XXXX escalation correspondence and case reference ( Case # XXXX ), XXXX  support emails showing investigation status and prior denials, and a screenshot of the credit report showing the delinquency remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Tired of being denied access to apartments and car lots etc. This has XXXX  me for two years straight

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NV

Complaint narrative:
I am disputing the following account on my TransUnion credit report. Please investigate the information provided. 

CHARGED OFF XXXX XXXX - Account Number : XXXX, Date Open : XX/XX/2021, Balance : {$0.00}

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