vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: KS

Complaint narrative:
am disputing the inaccurate and inconsistent reporting of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) credit card account that has been mishandled by multiple credit bureaus following my FTC identity theft report . 
After filing my FTC Identity Theft Report, this account was reported differently across all three bureaus : Experian lists the account as Open with a past due balance of {$120.00} and a balance of {$450.00}, showing first payment never received. 


Equifax reports the same account as Closed/Charged Off with a {$0.00} balance, and notes that it was sold to XXXX XXXX XXXX XXXX 


TransUnion reports the account as Collection/Charge-Off, also showing {$0.00} balance and that it was charged off as bad debt and purchased by another lender. 
These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) requirements for accurate and consistent reporting. The account can not legally be reported as both open and charged off/sold at the same time .Under FCRA 605B, I have the right to have fraudulent information blocked from my credit file within four business days after submitting proof of identity theft. I submitted an FTC Identity Theft Report weeks ago, yet the account remains and has now been reclassified as a charge-off. 
The original creditor ( XXXX ) sold this account to XXXX XXXX XXXX XXXX and under FCRA 623 ( a ) ( 5 ), the original creditor must report a zero balance and cease updates once a debt is sold. However, Experian continues to report this account as open and past due, which is materially inaccurate.

This inaccurate and misleading reporting is damaging my credit and violates FCRA 623 ( a ) ( 1 ) ( A ) and 605B.

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 2025-10-07 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: KS

Complaint narrative:
am disputing the inaccurate and inconsistent reporting of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) credit card account that has been mishandled by multiple credit bureaus following my FTC identity theft report . 
After filing my FTC Identity Theft Report, this account was reported differently across all three bureaus : Experian lists the account as Open with a past due balance of {$120.00} and a balance of {$450.00}, showing first payment never received. 


Equifax reports the same account as Closed/Charged Off with a {$0.00} balance, and notes that it was sold to XXXX XXXX XXXX XXXX 


TransUnion reports the account as Collection/Charge-Off, also showing {$0.00} balance and that it was charged off as bad debt and purchased by another lender. 
These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) requirements for accurate and consistent reporting. The account can not legally be reported as both open and charged off/sold at the same time .Under FCRA 605B, I have the right to have fraudulent information blocked from my credit file within four business days after submitting proof of identity theft. I submitted an FTC Identity Theft Report weeks ago, yet the account remains and has now been reclassified as a charge-off. 
The original creditor ( XXXX ) sold this account to XXXX XXXX XXXX XXXX and under FCRA 623 ( a ) ( 5 ), the original creditor must report a zero balance and cease updates once a debt is sold. However, Experian continues to report this account as open and past due, which is materially inaccurate.

This inaccurate and misleading reporting is damaging my credit and violates FCRA 623 ( a ) ( 1 ) ( A ) and 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I wanted to get access to my online banking account due to the automated call line and customer service line providing me different information on the money I owe on my credit card. It has caused me to get behind on payments multiple times despite me paying on time for about two years now. About three years ago, I attempted to use a settlement program to help me get rid of some of debt faster to save some money while I was getting divorced but it was causing to many issues with credit and finances so I stopped it. I told Bank of America this multiple times but when a called a few months back to attempt to get online access, they said I was still apart of the program so they couldn't open it. I showed them I was no longer apart of the program again and they transferred me about 6 times before the phone disconnected. Two of the agents told me they can fix it and their were some documents they needed to sign in order for me to regain access and the IT department will have to give me access. This never happened. I was told I need to open a new account today, got transferred, then I was told they could not give me online access to the credit card I owe money on. I called to make a payment two weeks ago and I was told I did not owe a payment yet I know the due date is close by. I tried to resolve this on XX/XX/year>, XX/XX/year> ( I was told to call back in 10 days and it will be resolved, XX/XX/year> ( I called to fix the online account to be told I owed XXXX plus after missing 4 payments even though I paid on time for almost a year to this point and found out my payments increased from 32 to 89 dollars, XX/XX/year>, XX/XX/year>, and today XX/XX/year>. This only this year as far as my phone goes back. I just want to see my account myself so there is no more miscommunication. I attempted to find a corporate phone number or email online but the numbers I found were disconnected. They provided a corporate address to send letters, however, I fear a letter would never been seen by them due to the treatment I have received from this company.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Light stream was removed from my credit report months ago. I was recently checking my credit report and light stream reappeared on my credit report I did not received a notice or phone call of reappearing they just popped back up same with us bank

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: GA

Complaint narrative:
Light stream was removed from my credit report months ago. I was recently checking my credit report and light stream reappeared on my credit report I did not received a notice or phone call of reappearing they just popped back up same with us bank

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Insurance companies such as XXXX, XXXX and others has violated my data and also TransUnion as well has had a Data breach. Things are on my credit report fraud has been reported bringing down my credit score.

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 2025-10-07 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: NE

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed them, and their presence on my credit report is entirely unacceptable. This false reporting misrepresents my financial history and integrity. I take my credit profile very seriously, and the appearance of these unauthorized accounts is deeply concerning.

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 2025-10-07 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:
This complaint concerns Equifax 's willful violation of the Fair Credit Reporting Act ( FCRA ) and its engagement in an Unfair, Deceptive, and Abusive Act or Practice ( UDAAP ). 

On multiple occasions, including a recorded call with Supervisor XXXX XXXX ( ID : XXXX ) on XX/XX/year>, I have demanded Equifax perform its statutory duty to verify disputed account balances under FCRA 1681i. XXXX XXXX explicitly acknowledged my legal demand but refused to comply, stating Equifax would not act until the furnisher responded, thereby using the unverified data as its own justification for inaction. 

This circular logic is an unfair practice that has caused me concrete monetary harm by artificially depressing my credit score, thereby : Increasing the interest rates I qualify for on loans. 
Causing denial of credit applications. 
Requiring significant investment of my personal time to remediate. 

The violation is the procedure, not just the inaccuracy. Equifax 's reckless disregard for its verification duties has created liability for statutory and actual damages. I am seeking financial compensation for the harms caused. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
On XX/XX/year>, I submitted a dispute regarding an account reported by XXXX and XXXX ), which lists XXXX XXXX as the original creditor. Instead of removing this inaccurate entry, TransUnion updated the status to : Account Paid in Full; was a XXXX. And the balance as {$0.00}. 
This reporting is false, misleading, and violates my rights under the Fair Credit Reporting Act ( FCRA ) for the following reasons : The account was never a collection. 
The original creditor, XXXX XXXX, provided documentation ( submitted in my initial dispute ) showing my account balance was negative {$42.00} ( credit balance ) as of XX/XX/year>, which means no debt was owed. 
A collection account can not legally exist when the original account shows a credit balance. 
The reported collection opening date is inaccurate. 
The XXXX XXXX XXXX account shows an opened date of XX/XX/year>, months after the original creditors records confirmed no balance was due. 
This is evidence of an erroneous and fabricated collection listing.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Updating the status without addressing the proof provided fails to meet this standard.

Under 15 U.S.C. 1681e ( b ), TransUnion must ensure the maximum possible accuracy of information in consumer reports. Reporting an account as a collection when the original creditor shows a credit balance violates this requirement.

Continued reporting of inaccurate information after notice constitutes willful noncompliance, giving rise to damages under 15 U.S.C. 1681n and 1681o.

Updating the status to Paid Collection is insufficient and still inaccurate under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX Date : XX/XX/year> To : XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX Subject : Cease and Desist Demand and Credit Dispute Notice Dear XXXX XXXX XXXX XXXXXXXX, This letter serves as a formal cease and desist demand pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and as a credit dispute notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I hereby dispute the validity of the alleged debt your company claims I owe. I am requesting immediate verification and full documentation of the alleged obligation, including : The name and address of the original creditor, Complete account details and payment history, Proof of your legal authorization to collect or report this debt, and My signed agreement or any document bearing my signature that establishes liability. 

Until proper verification is provided, you are to cease all collection and communication activities with me, my family, or my employer as required by 15 U.S.C. 1692c ( c ). You are also to immediately remove any negative credit entries related to this account that can not be fully substantiated. 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal law. I reserve all rights to pursue civil action should these violations continue. 

Please provide written confirmation of your compliance within XXXX business days of receipt of this notice. 

Sincerely, 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 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I order an engagement ring on XX/XX/XXXX and was told by the salesman that the ring would be here before XX/XX/XXXX Affirm Financed the ring. I Emailed and called numerous times and was told it would be shipped over night and it wasn't On XX/XX/XXXX I had to purchase another ring from a different retailer which has already been paid off.I sent more emails and told them to cancel the ring being it was never shipped they would not answer my calls. and would not answer the emails. I left in XXXX out of state for XXXX pictures and XXXX tried to deliver the ring that was purchased almost XXXX  months later with no notification no email or call no one was home to sign for it. 
I told them I needed a refund and I keep getting excuses from them.I have opened numerous disputes with affirm telling them I didn't get the ring they will not communicate and I keep making my payments due to not wanting my credit ruined. I have sent all evidence numerous times and Affirm tells me XXXX still reliable for my payment even though I didn't receive the ring Its been almost a year I pay {$180.00} a month on a ring I never got. This last dispute the jewelry store finally replied stating they needed my address to ship the ring. XXXX and Affirm both have my address which is crazy. why would I want a ring I never got for my engagement? I have already purchased another one this ring I have been paying with XXXX was {$4200.00} my balance now is {$2400.00}. I would appreciate any help I could get with this. One reason XXXX is not refunding the ring they're stating is because it was engraved? Which I have another email from XX/XX/XXXX stating the reason it was delayed in shipping is because they had to remake it which I was never notified about that as well. My Advice is never use AFFIRM for purchases or buy from XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
Ensure disputed accounts are deleted promptly as directed by 15 U.S. Code 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 2025-10-07 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: FL

Complaint narrative:
I am reporting inaccurate delinquency information on my federal Direct Loans. I currently have two Direct Loans that were reported as delinquent even though I was enrolled at least half-time in an eligible degree program at the time.

Under federal student loan rules, my loans should have been placed into in-school deferment once my new enrollment was reported. However, my servicer failed to update my enrollment status in a timely manner, resulting in delinquent payments being reported to the credit bureaus in error. 

I have verified my enrollment with my school and have supporting documentation confirming I met deferment eligibility. I contacted my loan servicer to correct the issue, but the delinquency reporting has not been removed. 

I am requesting the CFPBs assistance in ensuring my servicer corrects the reporting and updates my credit reports to accurately reflect deferment status during the period I was enrolled in school.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reporting inaccurate delinquency information on my federal Direct Loans. I currently have two Direct Loans that were reported as delinquent even though I was enrolled at least half-time in an eligible degree program at the time. 

Under federal student loan rules, my loans should have been placed into in-school deferment once my new enrollment was reported. However, my servicer failed to update my enrollment status in a timely manner, resulting in delinquent payments being reported to the credit bureaus in error. 

I have verified my enrollment with my school and have supporting documentation confirming I met deferment eligibility. I contacted my loan servicer to correct the issue, but the delinquency reporting has not been removed. 

I am requesting the CFPBs assistance in ensuring my servicer corrects the reporting and updates my credit reports to accurately reflect deferment status during the period I was enrolled in school.

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