vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
In 2002 I was in a very bad car accident and this was one of the doctors that I saw during that time. My hospital and medical debts were all paid through my insurance which at the time with XXXX XXXX XXXX XXXX this doctor did not file on the insurance within the 30 days allotted time and then after me to pay the debt, Im not gon na do that the first company that they sold the debt too was XXXX XXXX XXXX. I went through the same thing with XXXX XXXX  XXXX  and they could not prove ownership of the original debt from XXXX XXXX to me now this company ARSTRAT has bought the debt from XXXX XXXX and is harassing me with emails and letters, threatening me that if I do not pay the debt, they will take some kind of legal action. I called them on the phone today and the woman cussed me out. Theyre very unprofessional. This is not my debt. It is not my fault that the original creditor did not file with the insurance that was provided. And if you note there is nothing showing that I owe a debt from XXXX XXXX at all of my credit report. This is just a company that bought a debt who wants to get free money and they can not provide ownership just like the first company that tried to buy this debt and go after me could not prove it and had to let it go. The woman who answered the phone was completely unprofessional argumentative with me and cursed at me. I do not appreciate that and I do not appreciate these companies that go out and buy medical debts or other debts and then try to strong arm you or threaten you into giving them money because they bought a debt was already supposed to have been paid through the insurance company and they overlooked it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been wrongfully added to my credit report. I did not authorize, open, or have any connection to these accounts. Their presence is false, misleading, and has caused significant harm to the integrity of my credit record.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
They sent the email through PayPal saying a word for PayPal and saying that oh Ive made a transaction of {$860.00} that I never made. Plus the email they saying the XXXX  was order on the wrong email address that there saying the PayPal account was connected to thats 2 lies and he was going back and forward with me so I new he was not real they stealing peoples money I want to press charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: TX

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, a personal utility loan account opened at XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. And furthermore to my recent discovery I have been compromised with my name social addresses as a result of the XXXX  XXXX breach, and was NEVER notified. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
We are filing this complaint against XXXX and XXXX XXXX Resorts due to their deceptive sales practices, which coerced us into an indefinite timeshare contract that they now refuse to assist us in canceling without threatening severe damage to our credit reports. This is despite the fact that we have fully paid off our mortgage balance. 



We were misled during the sales presentation. They promised to take our XXXX timeshare off our hands if we purchased this one, but they did not. We had to pay someone else to take it. They also claimed the week we purchased ( XXXX birthday week ) was highly desirable for skiing, easy to rent, and had great trading power. None of this turned out to be true. The trading system has since changed, and our unit now has low trading power, requiring additional fees to combine weeks or exchange for better options. 



Weve faced constant fees ( maintenance, trade, XXXX membership, and more ) while rarely being able to use the timeshare. Even when we do, were harassed at check-in to attend more sales presentations. Once, we even experienced raw sewage backing up into our room. 



At XXXX, with my husband retired and myself soon to follow, we hoped to travel as promised. Instead, were stuck paying for something we cant use, wasting resources on fixed incomes. This has been a stressful and costly ordeal, and we need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: VA

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and outdated personal information on my credit file. This misinformation misrepresents my identity and creates confusion for creditors who rely on accurate consumer data. Despite my efforts to correct these inaccuracies, TransUnion continues to report false information about both my address and my employment history. 

The incorrect information being reported includes : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

Employers : XXXX XXXX XXXX. I have never worked for this company and have no association with it. 

These errors are damaging because they misrepresent my identity and can cause further inaccuracies in how my accounts are linked or verified. Inaccurate address reporting can also lead to incorrect associations with accounts or even potential mixed files. Employment misreporting is equally concerning because it suggests an employment history that does not exist, which is misleading to creditors and violates the requirement for consumer reports to maintain maximum possible accuracy. 

I have attempted to correct these issues directly with TransUnion, but they have failed to update my file as required. The Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, yet the continued reporting of this false information shows that TransUnion has not fulfilled its legal obligations. 

This inaccuracy has caused me harm, including concerns about potential misidentification and the risk of being unfairly associated with accounts or employment information that do not belong to me. I should not have to continually dispute basic identity information that TransUnion should be maintaining with accuracy.

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 2025-09-18 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: IN

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 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: T.S. Holdings
State: CA

Complaint narrative:
Hello, I am trying to pay off a debt from collection and XXXX from IQ data spoke to me in a very disrespectful way and refused to send me a letter of validation of debt. He kept using words as you will do this which is detrimental and very intimidating as speaking to me in a threatening way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was scammed by a person who sent an online job offer to my school email I had heard of a legitimate program my school does so immediately was excited to apply. I felt since it was being sent through my school email I could trust it. I was told I was going to be a personal assistant and my first task was to upload a check sent to me via email to a non-profit organization. As someone who just turned XXXX I will admit I was clearly an impressionable target. Looking back it was obviously a scam but the truth is I didn't know any better. I was instructed to send the money once I deposited it. Which I don't have a lot of financial literacy and didn't know even fake money could be deposited into my account. 

But I sent XXXX dollars out. A day passed, and I'm speaking to my sister about my new job. She tells me her honest opinion that she believes the check was fraudulent. I confronted the scammer with no response. Immediately, I reported the suspected fraud to Wells Fargo before the hold was released. I was advised by multiple associates that I wouldnt be held liable since I reported it early. Despite that, I was later told I had to pay the entire XXXX dollars by XX/XX/XXXX which I did within 6 hours. The next day I was told my account would be closed even though I was told I had a grace day period. 

This is what Wells Fargo sent me : " With Extra Day Grace Period, when your account is overdrawn, you have an additional business day ( extra day ) to make covering deposits and/or transfers to avoid the prior business day 's overdraft fees. If your account 's available balance as of XXXXXXXX XXXX Eastern Time on your extra day is enough to cover the prior business day 's overdraft items, the pending overdraft fees for those items will be waived. ''

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 2025-09-18 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: MO

Complaint narrative:
I am filing this complaint because all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, and TransUnion, are reporting an account as a charge-off in a way that is inaccurate, misleading, and non-compliant with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The account is as follows : XX/XX/2021XX/XX/year> {$590.00} The way this account is being reported creates multiple problems. First, the balance being shown does not match my records and has not been properly validated. Second, the continued reporting of this account as a charge-off despite the relatively small balance creates a misleading picture of my creditworthiness. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. Listing an account as a charge-off without complete and verifiable documentation fails this standard. 

Additionally, under 15 U.S.C. 1681i, once I dispute an account, the bureaus are legally required to conduct a reasonable reinvestigation. A reasonable reinvestigation requires more than simply contacting the furnisher and accepting their word. It requires reviewing original account-level documentation, billing records, or other supporting evidence that the account was legitimately charged off in the manner reported. To date, none of the bureaus have provided such documentation, and the account continues to be marked verified without explanation.

This inaccurate reporting has caused me financial harm, including denials of new credit, higher interest rates on existing credit, and emotional stress from being unfairly portrayed as someone who defaults on obligations. The damage is compounded by the fact that this is the only account of its kind on my file, making it disproportionately damaging to my overall creditworthiness.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts appearing on my credit report. I did not authorize or engage with these accounts, and their reporting is entirely false. These entries have caused harm to my creditworthiness and create a misleading representation of my financial standing.

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 2025-09-18 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 bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation