vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccuracies that are causing ongoing harm to my financial life. I have made good faith efforts to dispute these items directly with the credit bureaus, but I continue to receive results that appear to be automated, incomplete, or without proper investigation. I am requesting the CFPBs assistance to ensure that each Credit Reporting Agency ( CRA ) and furnisher complies with the law.

Charged Off Accounts The following accounts contain conflicting dates, statuses, and balances, making them unreliable and harmful to my credit score : Creditor Account # Issue / Consumer Concern XXXX XXXX Shows conflicting open/closed and charge-off dates across the bureaus. 
XXXX XXXX XXXX Reports a {$0.00} balance but still shows as charged off which does not make sense. 
XXXX XXXX XXXX XXXX Reporting inconsistent dates across bureaus ; possible unverified collection. 
XXXX XXXX Dates and status are not uniform across XXXX, XXXX, and XXXX. Accuracy is questionable. 
XXXX XXXX XXXX XXXX Furnishing dates differ among bureaus, which shows inconsistency. 
Inquiry Concern XXXX  ( XX/XX/year> ) I do not recall authorizing this inquiry. I request proof of permissible purpose, including documentation showing when and how this was authorized. 

Late Payment Detail These accounts show late payments, but I do not believe the dates are accurate, and I was not provided any validation or proof. I am requesting : Billing records Payment history Proof of actual delinquency Accounts under dispute : XXXX XXXX ( XXXX accounts ), 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 non-monetary relief
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF XXXX U.S.C. XXXX ( A ) ( XXXX ) ( B ) ( XXXX ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY XXXX U.S.C. XXXX ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-10 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:
These entries appeared without warning and might be unofficial. Please inspect the attached materials.

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 2025-11-10 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 disputing the accuracy and validity of the following charged-off accounts being reported by Experian : XXXX XXXX Account No. XXXX Reported XX/XX/year> Amount : {$1400.00} XXXX XXXX XXXX Account No. XXXX Reported XX/XX/year> Amount : {$930.00}

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 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I want a record of all the calls I have made to Aidvantage. All of them. The date they were made, and the duration of the call. This is an extremely simple request, one I am entitled to by law, and I am demanding it. I also want a list of all the documents I have sent to Aidvantage, ever. Aidvantage will not provide this information when I ask them directly, even though that is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
This notice is to inform you that the debt you are attempting to collect has antedated the time allowed by 15 USC 1681 ( a ) ( 4 ) of The Fair Credit Reporting Act, in addition, this is an Time Barred debt which you have failed to communicate in your correspondence which is also a direct violation of 1006.26 ( 1 ) ( 2 ) of The Code of Federal Regulations and 392.307 ( e ) of The Texas Finance code. You are also in violation of 1006.18 ( b ) ( 2 ) ( 1 ) of The Code of Federal Regulation for False or Misleading Representations of a debt since XXXX XXXX  allegedly paid less than value for the account. In accordance with 15 USC 1692 ( c ) 805 Communication with a Debt I demand you cease all communications with me concerning this debt. Failure to comply will result in me taking legal action against you for each violation committed which is my right under 15 USC 1692k ( a ) ( 2 ) of the Fair Debt Collection Practices Act. The judgment and case number you provided in your correspondence is inaccurate and does not pertain to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
XXXX XXXX  is charging surcharges on debit card and exceeding the 4 % limit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
I was notified by XXXX XXXX that DCU closed my XXXX credit card line. This credit account has been open for 22 years and has impacted my credit score significantly now that it is closed. 

When I reached out to DCU about this closure, they stated they notified me through email. I have no emails, chat couldnt provide proof of the email sent. They did not mail me anything nor did they use the DCU messanger application in their banking system to notify me. 

I would like the account reinstated as it was, and the credit bureaus notified it was closed in error. 

This closure came right before XXXX, and also after being a loyal DCU member for 22 years? Seems like it was in error to me.

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 2025-11-10 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: TX

Complaint narrative:
I am a consumer disputing the accuracy and completeness of the information being reported on my credit files. Below are the specific accounts I am requesting to be investigated with each bureau.

Charged Off Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Payment Accounts in Dispute : 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 2025-11-10 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: GA

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 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 2025-11-10 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: IL

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported on my Equifax credit report. As a consumer, I am requesting a full investigation into the accounts listed below, as they may be reporting inaccurate, incomplete, or unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

CHARGED-OFF ACCOUNTS ( EQ ) XXXX  Acct : XXXX | Opened : XX/XX/year> | Balance : {$180.00} LATE PAYMENTS ( EQ ) XXXX XXXX Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regional acceptance corporations mobile app has been down for about 2 months now and the website barely works so it is hard for me to access information about my loan and pay my bill.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby demand that United States Bankruptcy XXXX for the XXXX XXXX XXXX XXXX immediately cease all communication with me regarding the above-referenced account. 

I revoke any and all prior consent, if given, to be contacted by telephone, mail, email, or any other means. The only exceptions permitted under the law are to advise me that your collection efforts are being terminated, or to notify me that you may invoke specific remedies that are ordinarily invoked by your company.

Please note that any further communication from United States Bankruptcy Court for the XXXX XXXX of XXXX, other than those exceptions outlined in the FDCPA, will constitute a violation of federal law and may result in legal action being taken against your company. 

This letter is being sent to you via CFPB to document your receipt and my compliance with the law. 

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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am submitting this complaint because I have identified inaccurate or unverifiable information being reported on my credit reports. I am requesting that these items be properly investigated, verified with supporting documentation, or deleted if they can not be substantiated. 

Disputed Category : Charged-Off Accounts Creditor Name : XXXX Account Number ( partial ) : XXXX Date Reported : XX/XX/XXXX Reported Balance : {$0.00} Dispute Statement : This account is being reported as a charge-off ; however, I dispute the accuracy and validity of this information. I request that Experian provide full verification of this account, including the original contract, complete payment history, and any documentation supporting the charge-off status. If this information can not be verified in accordance with the FCRA, please delete this account from my report. 

Disputed Category : Hard Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-10 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:
Check that all accounts marked as disputed are cleared within the legal timeframe.

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 2025-11-10 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: MD

Complaint narrative:
I am requesting a reinvestigation of the information listed below. I have concerns regarding its accuracy. If TransUnion or the furnishers are unable to validate the information with proper documentation, I am requesting correction or permanent removal.

CHARGED-OFF ACCOUNTS ( XXXX  ) The account below appears inaccurate or possibly incomplete. If proper validation can not be provided, please delete : XXXX Acct : XXXX | XX/XX/XXXX | {$390.00} INQUIRIES ( XXXX  ) The following inquiry appears questionable and may not be legitimate. If it can not be proven valid, please remove : XXXX XX/XX/XXXX LATE PAYMENTS ( XXXX  ) The late payments below appear inconsistent across bureaus and may be inaccurately reported. If they can not be substantiated with proper proof, I request deletion : XXXX Acct : XXXXXXXX XXXX Acct : 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 2025-11-10 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:
To Whom It May Concern, I am writing this formal complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) related to the inaccurate and unauthorized reporting of accounts and inquiries appearing on my credit report. The reporting agencies and furnishers have failed to ensure accuracy, conduct reasonable investigations, and maintain my consumer rights as protected under federal law. These accounts and inquiries have caused significant harm to my credit profile, financial reputation, and emotional well-being. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not connected to my verified identity or credit history and violate FCRA Section 607 ( b ), which requires accurate reporting. Please delete them immediately.

Account : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$410.00} Late Payment This account incorrectly reports late payments. I have no records showing any delinquency. Continuing to report false data violates FCRA Sections 602 ( A ), 607 ( b ), and 611. If the furnisher can not verify with valid proof, this account must be deleted.

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my authorization or written consent, violating FCRA Section 604. I request immediate removal of these inquiries as they were obtained without permissible purpose.

I am requesting the CFPB to investigate these violations and hold both the credit bureaus and the furnishers accountable for their failure to maintain compliance with federal consumer protection laws. I demand correction and deletion of the inaccurate and unauthorized information immediately. I also request that written confirmation be provided once the reinvestigation is complete.

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 2025-11-10 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: CA

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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a consumer attempting to fix my credit and ensure all information being reported about me is accurate, complete, and verifiable. I am disputing the following accounts and inquiries on my Equifax report because I believe they are being reported inaccurately and/or without proper verification. I am requesting a full investigation and correction or removal where appropriate. 

CHARGED OFF / NEGATIVE ACCOUNTS IN DISPUTE EQ XXXX, XXXX * * * *, XX/XX/XXXX, {$5600.00} XXXX, XXXX * * * *, XX/XX/XXXX, {$8700.00} XXXX, XXXX * * * *, XX/XX/XXXX, {$5300.00} XXXX XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$170.00} XXXX XXXX XXXX IN, XXXX * * * *, XX/XX/XXXX, {$280.00} INQUIRIES IN DISPUTE EQ ADVANTAGE, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENTS IN DISPUTE EQ XXXX XXXX, XXXX * * * * XXXX, XXXX * * * * XXXX, XXXX * * * * XXXX, XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I am asking for an investigation into the accuracy of the items listed below on my TransUnion report. Please validate all information or remove any unverifiable or inaccurate reporting. 

Charged Off Accounts in Dispute : XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$6500.00} XXXXXXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$26000.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Acct XXXX XXXX Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$4000.00} Late Payments in Dispute : XXXX XXXX Acct : XXXX XXXX  Acct : 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