vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX **these accounts is past the stature of reporting date and needs to be removed. all XXXX XXXX  by law is past reporting date and thus far is removal** XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX Date Opened XX/XX/XXXX Balance {$730.00} XXXX  XXXX Balance # XXXX Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-25 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: NY

Complaint narrative:
Unfair Late Fee on Closed XXXX Card Account I'm seeking help with a frustrating issue. In XX/XX/year>, I paid off my XXXX card balance in full, closed the account, and logged out. I had confirmed that there was no remaining balance or outstanding charges. 

However, in XX/XX/year>, XXXX reported a late payment to Experian, which I didn't discover until later. Here 's the shocking part : I never received any letter, bill, or notification from XXXX about this alleged late payment. 

It's been over a year, and I've repeatedly requested that Experian remove this inaccurate late payment, citing XXXX 's improper handling of my account. I'd appreciate any guidance on how to resolve this matter and have my credit report corrected.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Prepared For : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Report Number : XXXX Date Generated : XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute the unauthorized credit inquiries listed below as shown on my credit report. These inquiries were made without my consent and therefore violate the protections afforded to me under federal and state laws.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a creditor must have permissible purpose or authorization to access a consumers credit report. Additionally, according to XXXX  law [ XXXX XXXX XXXX XXXXXXXX if Applicable ], unauthorized inquiries must be promptly removed to safeguard consumer rights. 
The following lenders have accessed my credit file without my authorization : Please remove these of my credit profile. 
XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX I kindly request that these inquiries be deleted from my credit report immediately, as they were conducted without my consent. Please notify me in writing once this has been corrected, or if further clarification is required to process this dispute. 
Should you fail to resolve this matter promptly, I will escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal remedies. 
Thank you for your attention to this matter. 
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 2025-03-25 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act 15 U.S.C 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that are inaccurate XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
ubject : Formal Dispute of XXXX XXXX XXXX XXXX Account Request for Deletion of Late Payments and Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments and the continued reporting of the XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) on my XXXX credit report. Under the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b, as well as the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I demand the immediate investigation and deletion of the erroneous information. 

Grounds for Dispute 1. Violation of 15 U.S.C. 1666b Timing of Payments The law requires that a creditor must promptly credit payments as of the date they are received. If my payments were processed incorrectly or not credited on time, any reported late payment is unlawful and must be deleted.

2. Violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting of Inaccurate Information The information being reported must be accurate and verifiable. If the furnisher ( XXXX XXXX XXXX XXXX ) has failed to provide verifiable proof of the alleged late payments, then the reported late payments must be removed immediately. 
3. Failure to Provide Verification as Required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the FCRA, upon my request, XXXX must verify the accuracy of reported items within 30 days. If the creditor can not provide adequate proof, this negative information must be permanently deleted.

4. Violation of 15 U.S.C. 1666 Right to Dispute Billing Errors If any discrepancies exist in the billing and reporting process, they must be corrected under the Fair Credit Billing Act. I request that XXXX investigate whether my payments were misapplied or recorded improperly. 

Requested Action Immediate deletion of all late payments associated with the XXXX XXXX XXXX XXXX account. 
If the creditor can not verify the accuracy of the entire account, I demand its full deletion from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
ubject : Formal Dispute of XXXX XXXX XXXX XXXX Account Request for Deletion of Late Payments and Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments and the continued reporting of the XXXX XXXX XXXX XXXX account ( Account Number : XXXX  ) on my XXXX credit report. Under the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b, as well as the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I demand the immediate investigation and deletion of the erroneous information. 

Grounds for Dispute 1. Violation of 15 U.S.C. 1666b Timing of Payments The law requires that a creditor must promptly credit payments as of the date they are received. If my payments were processed incorrectly or not credited on time, any reported late payment is unlawful and must be deleted.

2. Violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting of Inaccurate Information The information being reported must be accurate and verifiable. If the furnisher ( XXXX XXXX XXXX XXXX ) has failed to provide verifiable proof of the alleged late payments, then the reported late payments must be removed immediately. 
3. Failure to Provide Verification as Required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the FCRA, upon my request, XXXX must verify the accuracy of reported items within 30 days. If the creditor can not provide adequate proof, this negative information must be permanently deleted. 
4. Violation of 15 U.S.C. 1666 Right to Dispute Billing Errors If any discrepancies exist in the billing and reporting process, they must be corrected under the Fair Credit Billing Act. I request that XXXX investigate whether my payments were misapplied or recorded improperly. 

Requested Action Immediate deletion of all late payments associated with the XXXX XXXX XXXX XXXX account. 
If the creditor can not verify the accuracy of the entire account, I demand its full deletion from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-03-25 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: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am submitting a complaint against GM Financial for inaccurate and misleading credit reporting, failure to follow proper dispute procedures under the Fair Credit Reporting Act ( FCRA ), and refusal to provide adequate resolution. 
I made multiple and timely payments on my GM Financial auto loan. Due to their system mistakenly flagging XXXX of my payments as a duplicate, my account was marked late. I spoke to XXXX different GM Financial representatives who confirmed my payments were showing as successful and told me there was no past-due balance - their mobile app and online portal also showed no outstanding amount due. 

Months later, when I called for clarification as to why I was receiving a late charge, I was informed my account was behind, and late payments had already been reported to the credit bureaus XXXX and XXXX reporting a late payment in XXXX, and XXXX showing a late payment in XXXX. This adds to the inaccuracies. 

I submitted a written dispute directly to GM Financial. Their only response was a letter asking me to call them. When I called, they refused to provide any written findings or conclusions, despite the FCRA requiring furnishers to conduct a reasonable investigation and provide results. The supervisor was dismissive, rude, and stated that despite not listening to the entire call, she had already decided GM Financial would not remove the late mark. 

I asked for call transcripts and a written decision. I was told I would need legal representation to access my own call history, and that they would not send me written documentation of their final decision. 

I am requesting the CFPB investigate this matter and that the late payment be removed from all credit bureaus due to GM Financials failure to : Conduct a complete and fair investigation, Provide written findings, Accurately report consistent information across credit bureaus, and Take accountability for the misinformation given to me that directly caused the late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: MA

Complaint narrative:
In a recent transaction, I purchased a wig from the XXXX XXXX, specifically from XXXX XXXX, a company that purports to sell human hair. Upon receiving the product, I promptly contacted the seller to inform them that the item did not match my order. Despite providing photographic evidence to support my claim, the merchant denied my request for a refund. 

In an attempt to resolve the issue, I offered to return the item. However, the merchant informed me that a partial refund would be issued, citing alterations made to the wig. In reality, the wig had only been flat ironed, which led me to believe that it was not the product I had ordered. 

Undeterred, I filed a dispute with Credit Karma, confident that I would receive a refund due to the availability of the necessary proof. I submitted the dispute on XX/XX/XXXX, and it was denied on XX/XX/XXXX. Despite my request for the documentation used in determining the dispute, the credit card company has failed to provide it. Furthermore, they have informed me that there is no further recourse available and that the decision stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the incorrect information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Can you clarify why my complaint was closed without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, could you provide information on the verification methods they employed? This situation is extremely frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not updated promptly, I will be compelled to consider legal action due to the significant stress this has caused. Furthermore, I am worried about the security of my personal data, especially in light of the Equifax, Experian, and Transunion data breach.

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 2025-03-25 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-25 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-25 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: TX

Complaint narrative:
I am submitting a complaint against XXXX XXXX for inaccurate and misleading credit reporting, failure to follow proper dispute procedures under the Fair Credit Reporting Act ( FCRA ), and refusal to provide adequate resolution. 
I made multiple and timely payments on my XXXX XXXX auto loan. Due to their system mistakenly flagging XXXX of my payments as a duplicate, my account was marked late. I spoke to XXXX different XXXX XXXX representatives who confirmed my payments were showing as successful and told me there was no past-due balance - their mobile app and online portal also showed no outstanding amount due. 

Months later, when I called for clarification as to why I was receiving a late charge, I was informed my account was behind, and late payments had already been reported to the credit bureaus XXXX and XXXX reporting a late payment in XXXX, and Experian showing a late payment in XXXX. This adds to the inaccuracies. 

I submitted a written dispute directly to XXXX XXXX. Their only response was a letter asking me to call them. When I called, they refused to provide any written findings or conclusions, despite the FCRA requiring furnishers to conduct a reasonable investigation and provide results. The supervisor was dismissive, rude, and stated that despite not listening to the entire call, she had already decided XXXX XXXX would not remove the late mark. 

I asked for call transcripts and a written decision. I was told I would need legal representation to access my own call history, and that they would not send me written documentation of their final decision. 

I am requesting the CFPB investigate this matter and that the late payment be removed from all credit bureaus due to XXXX XXXX  failure to : Conduct a complete and fair investigation, Provide written findings, Accurately report consistent information across credit bureaus, and Take accountability for the misinformation given to me that directly caused the late reporting.

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