vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
TransUnion is reporting false bankruptcy-related information on my file even though they have no bankruptcy public record on me in their system. 

On the attached TransUnion report, an account ( XXXX / account ending XXXX ) is labeled : Status : Unrated or Bankruptcy Status Updated : XX/XX/year> This reporting is false, fabricated, and inconsistent with TransUnions own records because : XXXX. TransUnion previously deleted the bankruptcy entirely from my public records after reinvestigation and written confirmation. 
XXXX. There is no bankruptcy appearing anywhere in TransUnions public record section. 
XXXX. The court itself ( XXXXXXXX XXXX XXXXXXXX, XXXX ) confirmed that it does not furnish bankruptcy data to any credit bureau, meaning TransUnion can not lawfully claim bankruptcy status for this or any account. 
XXXX. TransUnion is now inserting a XXXX bankruptcy suppression code without any court record, any furnisher, or any permissible source of that information. 

This is a willful FCRA violation, including : FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i ( a ) failure to conduct a lawful reinvestigation FCRA 1681c reporting obsolete or false public record data FCRA 1681s-2 ( a ) reporting information not provided by any furnisher FCRA 1681h ( e ) defamation through false bankruptcy codes CFPB Bulletin 2013-09 failure to ensure data integrity and prevent fabricated reporting This UNRATED OR BANKRUPTCY label is NOT a normal account status.

It is a bankruptcy risk code, which lenders interpret as included in bankruptcy.

TransUnion is effectively inventing a bankruptcy, even after removing the actual bankruptcy from my file.

This is not a clerical error it is systematic, repeated, and intentional.

It damages my creditworthiness, misleads lenders, and contradicts TransUnions own public record data, making it unverifiable, inaccurate, and unlawful under every FCRA standard.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint because TransUnion is refusing to remove an outdated and incorrect name from my credit file. My legal name is XXXX XXXX XXXX. However, TransUnion continues to report the name XXXX XXXX XXXX, which is not my current legal name and is no longer used by me. 



I have already sent TransUnion a written dispute requesting removal of this outdated name, along with proof of my identity, but they have refused to correct it. This violates the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) TransUnion has a duty to maintain maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) I have the right to accurate personal identifying information in my file.

FCRA 611 I have the right to dispute inaccurate or outdated information and have it corrected or deleted.

TransUnion has not provided any valid reason for continuing to report the incorrect name, and they have not shown any verification that supports keeping this outdated name on my file.

This inaccurate name is causing confusion and negatively affecting my ability to maintain accurate records with lenders and agencies. I need their reinvestigation required 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 2025-11-20 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-20 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:
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 2025-11-20 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: TX

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 2025-11-20 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: NY

Complaint narrative:
I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The account in questionXXXXXXXX XXXX XXXX XXXXXXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Creditor : JPMCB Card Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint against JPMCB Card Services regarding an inaccurately and unlawfully reported charged-off credit card account that is violating the Fair Credit Reporting Act ( FCRA ) and harming my credit profile. 

Summary of Issue The JPMCB Card Services account referenced above is reporting derogatory information inconsistently across the three major credit bureaus. The information furnished by JPMCB contains multiple discrepancies, including : Conflicting dates of last activity Different account status reporting across bureaus Improper continued reporting following charge-off Missing, unverifiable payment history Balance and status inconsistencies As evidenced in my 3-bureau report dated XX/XX/XXXX : TransUnion reports the tradeline as Closed Collection/Charge-Off with last activity XX/XX/XXXX and balance {$800.00} XXXX  reports the same account as Closed Unpaid balance reported as a loss by credit grantor with continued monthly negative reporting through XXXX XXXX  reflects different reporting data and status history altogether This inconsistency is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate information FCRA 623 ( a ) ( 2 ) Duty to update and correct incomplete or inaccurate information FCRA 605 ( c ) Prohibits illegal reaging of debt to extend reporting period FCRA 611 Right to dispute inaccurate information and require verification Harm to Consumer These inaccurate reporting practices have severely reduced my credit score and have resulted in denials for housing and credit opportunities. The conflicting data demonstrates the information is unreliable, unverified, and non-compliant with federal reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Account # : XXXX XXXX XXXX Balance : {$530.00} Payment Status : Collection/Charge-off Incorrect Dates Reported : XX/XX/2024 XX/XX/2024 XX/XX/2024 To Whom It May Concern, I am disputing the account listed above as it is being reported with multiple conflicting dates, which is a direct violation of the Fair Credit Reporting Act. Each bureau shows different Date Opened information, proving the furnisher is reporting inaccurate, inconsistent, and unverifiable data.

This violates : FCRA 602 ( A ) Consumer reports must be fair, accurate, and consistent.

FCRA 607 ( b ) Bureaus must ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

FCRA 611 ( a ) ( 1 ) ( A ) Any item that can not be verified must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 2025-11-20 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: MD

Complaint narrative:
XXXX XXXX Inaccurate Late Payment Reporting XXXX is reporting multiple late payments for XXXX on my active credit card account. These late payments are not accurate and can not be verified, yet the credit bureaus continue to report them. 

I requested verification from the bureaus under the Fair Credit Reporting Act ( FCRA 1681i ), which requires creditors to provide documentation proving the accuracy of each late payment entry. XXXX has failed to provide any documentation showing : actual due dates the dates my payments were received proof of delinquency notifications billing records or statements Despite the lack of verification, the bureaus are continuing to report these late payments, which violates FCRA requirements for accurate, verified, and complete reporting. 

I am requesting CFPB assistance in requiring XXXX and the credit bureaus to provide full verification or delete all inaccurate late payments from my credit files. 

Harm Caused These inaccurate negative marks are severely damaging my credit score, affecting my ability to obtain housing and essential services. I am simply requesting fair, accurate credit reporting as required by federal law. 



Requested Resolution : Remove all unverifiable late payments reported by XXXX. 
Remove the XXXX XXXX  charge-off if they can not provide complete, accurate verification. 
Ensure all credit bureaus update my files accordingly. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
XXXX XXXX Inaccurate Late Payment Reporting XXXX is reporting multiple late payments for XXXX on my active credit card account. These late payments are not accurate and can not be verified, yet the credit bureaus continue to report them. 

I requested verification from the bureaus under the Fair Credit Reporting Act ( FCRA 1681i ), which requires creditors to provide documentation proving the accuracy of each late payment entry. XXXX has failed to provide any documentation showing : actual due dates the dates my payments were received proof of delinquency notifications billing records or statements Despite the lack of verification, the bureaus are continuing to report these late payments, which violates FCRA requirements for accurate, verified, and complete reporting. 

I am requesting CFPB assistance in requiring XXXX and the credit bureaus to provide full verification or delete all inaccurate late payments from my credit files. 

Harm Caused These inaccurate negative marks are severely damaging my credit score, affecting my ability to obtain housing and essential services. I am simply requesting fair, accurate credit reporting as required by federal law. 



Requested Resolution : Remove all unverifiable late payments reported by XXXX. 
Remove the XXXX XXXX  charge-off if they can not provide complete, accurate verification. 
Ensure all credit bureaus update my files accordingly. 

Thank you for your assistance.

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 2025-11-20 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: IL

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 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 2025-11-20 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: IL

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 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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
Halsted Financial Services continues to send me emails for an unspecified debt. Each email contains a random amount of debt and states my credit card has been charged, listing the last four numbers of a credit card. They spell my name XXXX XXXX XXXX, but my name is XXXX XXXX XXXX. Also, I dont know whos credit card they are charging, but Im pretty sure Im not supposed to have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MI

Complaint narrative:
Someone stole my car with my phone and cashapp card in the car & they spend a lot of money by the time I got a new phone & was able to log back in & now when I try to dispute these transactions its does not do anything for me & the account was some how closed when I got my account back I just want my cashapp back and my funds expedited to me immediately I do now want to have to get lawyer involved please just help look over my case an credit my account or help I have kids and a home I need the money this had me in debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/25, a charge of {$150.00} was withdrawn from my U.S. Bank account for a XXXX subscription auto-renewal. I did not intend for the subscription to renew, and I have not used the service at all during the new subscription period. 

After seeing the charge, I reviewed XXXX posted refund information. Their policy indicates that refunds are issued only if required by law, and I could not find a clear or practical method to request a refund. Because of this, I did not pursue it further with XXXX. 

Instead, I acted promptly by contacting U.S. Bank and disputing the charge. The bank issued a provisional credit on XX/XX/25 while the dispute is under review. 

Later, U.S. Bank mailed me a notice stating I must respond only via fax or physical mail to continue the dispute process. These outdated communication methods make resolution unnecessarily difficult, especially for a simple billing issue. I have attached the letter U.S. Bank sent me for reference. 

I have not used the service, did not intend for the auto-renewal, and took the steps I reasonably could to address the issue through my 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