vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  for inaccurate, incomplete, and unlawful credit reporting. The issues involve two accounts that XXXX XXXX XXXX  continues to furnish under my name. 
The first account, # XXXX, shows a {$400.00} credit limit, yet the highest balance is reported as {$660.00}. Unless itemized accounting is provided, this appears inflated by fees and is misleading. In addition, XXXX XXXX XXXX  is reporting a past due balance on a charged-off account, which is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681s-2 ( b ) ( furnishers duty to correct inaccurate data ). 

The second account, # XXXX, is reported as a {$890.00} charge-off. XXXX XXXX XXXX  is reporting a past due balance on this charged-off account as well, which is a violation of 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Balance history also shows multiple payments in XXXX, yet the charged-off balance did not change, raising questions about whether payments were properly credited. 

There are broader problems with both accounts. A charge-off means the receivables were treated as losses for tax purposes. If deductions were claimed, this must be reconciled with continued reporting as collectible. For balances over {$600.00}, 26 U.S.C. 6050P requires issuance of a 1099-C when the debt is canceled. If one was issued, the balance can not also be reported as collectible. If none was issued, XXXX XXXX XXXX  must explain why. If these receivables were securitized or otherwise used in an asset-backed transaction, XXXX XXXX XXXX  already received compensation. Reporting them again as unpaid liabilities is deceptive and violates FCRA 1681e ( b ). Finally, under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801, XXXX XXXX XXXX is required to protect nonpublic personal information. Furnishing false or misleading data to credit bureaus violates this duty. 

I request that XXXX XXXX XXXX provide full itemized accounting of balances, fees, and charges, provide proof of tax treatment and any 1099-C issued, confirm whether these accounts were securitized, and correct or delete the inaccurate tradelines furnished to Experian, Equifax, and TransUnion. If XXXX XXXX XXXX  can not prove the accuracy of these tradelines, with proper documentation, they must delete them. Continuing to report unverifiable or inaccurate information after notice of this dispute will be a violation of the Fair Credit Reporting Act, and it will subject you to liability under 15 U.S.C. 1681n and 1681o. Cease and desist all efforts to collect until all documentation is provided 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 non-monetary relief
Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  for inaccurate, incomplete, and unlawful credit reporting. The issues involve two accounts that XXXX XXXX XXXX continues to furnish under my name. 
The first account, # XXXX, shows a {$400.00} credit limit, yet the highest balance is reported as {$660.00}. Unless itemized accounting is provided, this appears inflated by fees and is misleading. In addition, XXXX XXXX XXXX  is reporting a past due balance on a charged-off account, which is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681s-2 ( b ) ( furnishers duty to correct inaccurate data ). 

The second account, # XXXX, is reported as a {$890.00} charge-off. XXXX XXXX XXXX  is reporting a past due balance on this charged-off account as well, which is a violation of 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Balance history also shows multiple payments in XXXX, yet the charged-off balance did not change, raising questions about whether payments were properly credited. 

There are broader problems with both accounts. A charge-off means the receivables were treated as losses for tax purposes. If deductions were claimed, this must be reconciled with continued reporting as collectible. For balances over {$600.00}, 26 U.S.C. 6050P requires issuance of a 1099-C when the debt is canceled. If one was issued, the balance can not also be reported as collectible. If none was issued, XXXX XXXX XXXX  must explain why. If these receivables were securitized or otherwise used in an asset-backed transaction, XXXX XXXX XXXX already received compensation. Reporting them again as unpaid liabilities is deceptive and violates FCRA 1681e ( b ). Finally, under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801, XXXX XXXX XXXX is required to protect nonpublic personal information. Furnishing false or misleading data to credit bureaus violates this duty. 

I request that XXXX XXXX XXXX  provide full itemized accounting of balances, fees, and charges, provide proof of tax treatment and any 1099-C issued, confirm whether these accounts were securitized, and correct or delete the inaccurate tradelines furnished to Experian, Equifax, and TransUnion. If XXXX XXXX XXXX  can not prove the accuracy of these tradelines, with proper documentation, they must delete them. Continuing to report unverifiable or inaccurate information after notice of this dispute will be a violation of the Fair Credit Reporting Act, and it will subject you to liability under 15 U.S.C. 1681n and 1681o. Cease and desist all efforts to collect until all documentation is provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
I contact XXXX XXXX because of a letter that was sent to me. I called them on XXXX  XXXX and they informed me that a person used my name and SS # on XX/XX/XXXX?, XXXX  to take a loan out in my name with an amount owed of {$170.00}. Once I spoke to them they put a freeze on the acct and sent the claim to their fraud dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/year> I contacted Marcus to confirm that they had received the required documentation that I had Power of Attorney for my aunts CD account. They said they had, but I couldnt access the account until they had verbal confirmation by my aunt that she had appointed me as Power of Attorney. They said they had called her, but she hadnt picked up. I requested to speak to a supervisor as my aunt was XXXX and in a long term care facility and I needed to access her account to cover the cost. They said someone would call me back in a day or two. They actually had been sent an ORIGINAL power of attorney document at there specifications, not a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I called in XXXX of 2024 to follow up on my Goldman Sachs card with Apple and found out at this time the card was charged off and sent to another department without my knowledge. According to the Fair Debt Collection Practices Act, it is not legal to send a card or limit it or send it to another agency etc without someones knowledge or warning. I joined a payment plan in XX/XX/year>. I was calling for updates but just became recently aware of what happened and how legally questionable it is to send a card to an agency without the owners knowledge. I also did not get any updates at least for that but the whole principle of the situation of my card even being in this situation seems odd as I never had any communications. I would like this looked into as it does seem questionable legally. I never even got updates for the payment plan which is also questionable. No warnings no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5000.00} 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 US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have filed several disputes, but even with proof, the credit bureau is still honoring their information which is incorrect and I do not understand why. Anything owed to the property owner was paid and this company even sent me A letter like I requested, saying that this was an error and they would fix it .. later on down the line they are still not fixing the issue. I would like this removed promptly from my credit report. Unfortunately the property owner has passed and I have. Havent had any luck finding out who owns this property now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Property Receivables, Corp
State: TX

Complaint narrative:
I applied to an apartment and asked them if they excepted section XXXX then they replied yes and so I applied for the apartments then they didn't except the XXXX so then I contacted the park place and then they said they would refund the deposit but to the application fee and then they never did after about a month I then called regions bank and requested a refund and they gave me the whole thing but I told them the same as I am typing here I then after seeing it on my credit I then sent a certified letter and they returned it after tgetting the address from the company when I first applied and then the address from XXXX and checking from the emails that I received I will upload the emails and documents and I may have a phone recording as well know. if I'm correct I'm owed a daily or weekly fee for having that on my credit millisiously XXXX I believe and it still on there almost a year later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 XXXX 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 : ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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, as proof from the US 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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: CA

Complaint narrative:
Albert makes it difficult to cancel a subscriptionand customer support does not reply at all.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trying to sign up at transunion.com for the free score/monitoring account and unable to do so. Have spoken to 6 support agents who all tell me there is no free score, I have to pay. The web page clearly states FREE with no credit card required. All support people are sending me to a different site that asks me for money. Agents keep deleting my account and having me sign up for a " Service Account '' that wants money for a 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 non-monetary relief
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-09 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:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-09-09 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the following account : XXXX XXXX : XXXX XXXX XXXX 

Account Number : XXXX Type : Secured Loan Date Opened : XX/XX/XXXX Status : XXXX XXXX as of XX/XX/XXXX This account is inaccurately reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX, despite being listed as XXXX  and XXXX  since XX/XX/XXXX. The reporting contains multiple inaccuracies : The account reflects XXXX, XXXX, yet continues to report derogatory late payments, which is inconsistent and misleading. 

The account shows no balance, no recent payment, and no monthly payment obligation since being closed, yet derogatory notations remain. 

The status date last updated ( XX/XX/XXXX ) conflicts with continued negative reporting, suggesting the account has not been properly updated. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX, you are required to conduct a reasonable reinvestigation of any disputed information. The current reporting is incomplete, misleading, and not a fair representation of my payment history. 

Accordingly, I request that this account be deleted entirely from my credit file, or at minimum, that all inaccurate late payment notations be removed immediately. 

Please provide me with written confirmation of your reinvestigation results within the XXXX period allowed by 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 explanation
Consumer complaint received 2025-09-09 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:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 
The following inquiries are unauthorized and must be permanently deleted : XXXXXXXX XXXX XXXX XXXXXX/XX/year> I have already disputed these items directly with [ Credit Bureau ], providing both my written dispute and a copy of my official FTC Identity Theft Report. Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized.

I am being denied credit opportunities. 


When I do receive approvals, I face higher interest rates and less favorable terms. 


These violations have placed me at risk of further identity theft and financial damage.

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