vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX Case Account Number : XXXX XXXX Trailblazer Seeking financial compensation Three year long case concerning an erroneous charge off on a lease for a XXXX XXXX due to a misreported phone number by XXXX. XXXX responsibility was taken by XXXX to remove charge off, but after dozens of attempts to enforce and confirm by myself, it still has not been corrected. Seriously damaged my credit for almost 3 years, preventing the acceptance of the application of any other loan, causing the accrual of serious debilitating financial debt and fees due to there being no fair access to credit. 

XX/XX/XXXX Called asking for escalation Put on hold XX/XX/XXXX Called XXXX XXXX facts of case Put on hold No one else was available Given contact info for XXXX XXXX XXXX message for answering machine No call back from anyone Charge off still not removed XX/XX/XXXX Talked to XXXX Stated charge off removal was approved Stated proof would be emailed and mailed Nothing was mailed or emailed XX/XX/XXXX Talked to XXXX XXXX Customer Service XX/XX/XXXX Talked to XXXX XXXX - Lease Servicing She is person who can remove the charge off XX/XX/XXXX Called XXXX explained situation Transferred to loss team Talked to XXXX explained situation Transferred to supervisor Called XXXX, explained situation Needed to submit case to higher management Said hed call back in two days Never called back XXXX? XXXX Call not recorded XX/XX/XXXX Called, Stated system was down talked to XXXX, XXXX trailblazer account was corrected ( Was not corrected ) XX/XX/XXXX Call not recorded XX/XX/XXXX Call not recorded XX/XX/XXXX Call not recorded XX/XX/XXXX Initial call to XXXX concerning charge off specifically ( earlier calls not recorded in call history but were had navigating initial issues )

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 2025-11-17 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:
Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of the information reported on my TransUnion credit report. The following accounts are being disputed due to potential inaccuracies : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the XX/XX/year> I noticed that TransUnion was displaying inaccurate information on my credit report. They were notified 30 days plus to investigate and delete the information if they couldn't specifically verify the information. They didn't do either.

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 2025-11-17 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:
I am requesting that TransUnion review and verify the accounts below. There appear to be discrepancies and potentially incomplete information. I am only asking for accurate reporting. If any account or late payment can not be verified with proper documentation, please remove it according to the FCRA. 

Charged Off Accounts Under Dispute XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX  XXXX XX/XX/XXXX {$7000.00} XXXX XXXX  XXXX XX/XX/XXXX {$14000.00} Late Payments Under Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a victim of identity theft it is the utmost importance for my report to be accurate. These inquiries were not authorized and should not reflect on my credit report. Please delete immediately.

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 2025-11-17 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: SC

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
I am submitting this complaint because, after reviewing my Experian, Equifax, and TransUnion credit reports, I discovered numerous inaccurate, outdated, and improperly reported items that violate my rights under the Fair Credit Reporting Act, including FCRA 605 ( a ) for obsolete information, FCRA 623 ( a ) ( 5 ) for incorrect DOFD and inaccurate reporting, FCRA 604 ( a ) ( 3 ) regarding inquiries without permissible purpose, and FCRA 611 which allows me to dispute incorrect or incomplete information. My reports contain several late-closed accounts, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all showing {$0.00} balances yet still carrying outdated or misleading derogatory remarks that no longer reflect my resolved account status, and these inaccuracies harm my creditworthiness by misrepresenting my true financial behavior. In addition, collection accounts from XXXX XXXXXXXX XXXX XXXX  and others are reported with inconsistencies across the bureaus, failing to meet the accuracy standards required under FCRA 623 ( a ). My Experian report also continues to show a Chapter XXXX Bankruptcy filed XX/XX/year>, which now exceeds the XXXX reporting limit and is obsolete under 605 ( a ), yet remains on my file. I am also disputing a long list of hard inquiries across all three bureaus including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others that do not appear to have a legitimate permissible purpose, as I did not authorize credit checks with most of these companies and was not involved in any transaction justifying multiple bureau pulls on the dates shown. These unauthorized inquiries lower my credit score and violate FCRAs permissible purpose standards. I am requesting the CFPB to require : Experian, Equifax, and TransUnion to reinvestigate and correct all late-closed accounts to accurately show their resolved status with no negative remarks ; confirmation and correction of all collection accounts to ensure they match verified, complete, and accurate information ; removal of the obsolete 2016 bankruptcy from Experian ; deletion of all inquiries that can not be validated as having permissible purpose under FCRA 604 ( a ) ( 3 ) ; and ( 5 ) a full compliance review to ensure all furnishers and bureaus meet their obligations under federal law so that my credit files reflect only accurate, timely, and legally reportable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
I am submitting this complaint because, after reviewing my Experian, Equifax, and TransUnion credit reports, I discovered numerous inaccurate, outdated, and improperly reported items that violate my rights under the Fair Credit Reporting Act, including FCRA 605 ( a ) for obsolete information, FCRA 623 ( a ) ( 5 ) for incorrect DOFD and inaccurate reporting, FCRA 604 ( a ) ( 3 ) regarding inquiries without permissible purpose, and FCRA 611 which allows me to dispute incorrect or incomplete information. My reports contain several late-closed accounts, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all showing {$0.00} balances yet still carrying outdated or misleading derogatory remarks that no longer reflect my resolved account status, and these inaccuracies harm my creditworthiness by misrepresenting my true financial behavior. In addition, collection accounts from XXXX XXXXXXXX XXXX XXXX  and others are reported with inconsistencies across the bureaus, failing to meet the accuracy standards required under FCRA 623 ( a ). My Experian report also continues to show a Chapter XXXX Bankruptcy filed XX/XX/year>, which now exceeds the XXXX reporting limit and is obsolete under 605 ( a ), yet remains on my file. I am also disputing a long list of hard inquiries across all three bureaus including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others that do not appear to have a legitimate permissible purpose, as I did not authorize credit checks with most of these companies and was not involved in any transaction justifying multiple bureau pulls on the dates shown. These unauthorized inquiries lower my credit score and violate FCRAs permissible purpose standards. I am requesting the CFPB to require : Experian, Equifax, and TransUnion to reinvestigate and correct all late-closed accounts to accurately show their resolved status with no negative remarks ; confirmation and correction of all collection accounts to ensure they match verified, complete, and accurate information ; removal of the obsolete 2016 bankruptcy from Experian ; deletion of all inquiries that can not be validated as having permissible purpose under FCRA 604 ( a ) ( 3 ) ; and ( 5 ) a full compliance review to ensure all furnishers and bureaus meet their obligations under federal law so that my credit files reflect only accurate, timely, and legally reportable information.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number XXXX, XXXX XXXX, XXXX XXXX, XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), to request that you cease all communication with me regarding the above-referenced debt. This request prohibits you from further contacting me, except to confirm your receipt of this notice or to notify me of any specific legal actions you intend to take.Should you continue to communicate with me beyond what is permitted by law, you will be in violation of federal law, and I reserve the right to take legal action.Please confirm in writing your compliance with this request.Thank you for your immediate attention to this matter.Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX, and TransUnion are reporting materially false, misleading, and damaging credit information regarding my paid XXXX XXXX XXXX. 
Although XXXX acknowledges the account was PAID IN FULL with a {$0.00} balance, they continue reporting : XXXX consecutive months of Charge-Off ( CO ) codes Ongoing delinquency after payoff Negative months extending into XXXX and XXXX Conflicting information across different CRAs This reporting is inaccurate, legally impermissible, misleading, and has caused substantial harm.

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 2025-11-17 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: GA

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 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Back in XXXX I had {$4000.00} in my account I went to the ATM to try withdrawing {$50.00} and my account locked up and said to contact PayPal to verify my identity so I did and they told me my account was verified and I'd be able to access my cash in XXXX weeks that they couldn't unlock my account til then for security reasons. When I was able to access my account again the {$4000.00} was gone there was no record of it at all. When I called customer support they told me my account was suspended and they wouldn't give me any information at all. I asked them to mail me a check and they told me my account had no funds. I tried reporting it but needed my account number and dates and time I had nothing, I received an email saying my direct deposit number was changed. I didn't even get a email saying my account was closed until XXXX. {$4000.00} is a lot of money to just disappear not having that money made things really hard for me. I was unable to pay my credit cards bills, I couldn't afford food or anything. I tried to get a lawyer but they cost too much. I hope it's not too late to get my money back, but most importantly I want warn everyone NOT TO USE PAYPAL, NOT TO TRUST PAYPAL THEY WILL STEAL YOUR MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
TransUnion and Experian are reporting materially inaccurate, misleading, and unverifiable information concerning a XXXX XXXX XXXX XXXX ( XXXX ) auto loan charged-off account. The reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and controlling federal case 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
On XX/XX/XXXX I got an email from XXXX about having debt with telechek however I reviewed any and all accounts under my name that may have had debt medical bills etc and have been making regular payments I went to pay the debt as I was unsure what it was and it said I did not have an account even when using the registration code provided I am pretty sure this is a scam but not sure as they have not replied to my written request to know exactly where the debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$32000.00} Account name XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$21000.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$6600.00} Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4200.00} Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$35000.00} Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$24000.00}

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 explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-17 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/year>, I applied for a DiscoverXXXX XXXX card through XXXX, which clearly advertised a {$200.00} welcome bonus. 
After being approved for the card, I inquried with Discover about the welcome bonus offer. Discover denied there ever being such an offer on this card and directed me to contact XXXX support. 

I inquired with XXXX support, who stated in part " The particular bonus offer you mentioned is administered by our partner. If you have any questions or concerns about the terms and conditions of the offer, we recommend contacting the partner directly for assistance. '' To this date, both XXXX and Discover deny that there is a {$200.00} welcome bonus on this card, and both companies point to the other for resolution.

Company response to consumer: Closed with explanation