vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am writing to formally dispute a collection account that has already been paid in full. The account in question is still being reported on my credit report despite the balance being satisfied. According to the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must be corrected or removed, and I am requesting that this paid collection be deleted from all credit reporting agencies.

Please find attached proof of payment for this account. I respectfully request that this collection account be removed from my credit report immediately, as it no longer reflects my current financial obligations and is negatively impacting my credit score despite being resolved.

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 2025-05-02 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: MN

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 2025-05-02 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: MN

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 non-monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
incorrect information being reported on my credit reports

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 2025-05-02 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: MI

Complaint narrative:
incorrect information being reported on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I settled a charged-off account with XXXX XXXX, yet they continue to report it negatively on my credit report. This account may have been written off for tax purposes under 26 USC 166 or securitized, meaning the creditor has already been compensated and no longer holds the actual debt. Despite this, they are still reporting the charge-off, which is misleading and potentially illegal under the Fair Credit Reporting Act ( 15 USC 1681s-2 ). Ive formally disputed the item, demanding full documentation and removal, as the continued reporting appears to be willful noncompliance with federal 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 2025-05-02 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: MI

Complaint narrative:
incorrect information being reported on my credit reports

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 2025-05-02 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX {$530.00} XXXX XX/XX/XXXX, XXXX {$160.00} XXXX XX/XX/XXXX, XXXXL {$1700.00} XXXX XX/XX/XXXX, XXXX XXXX {$300.00} XXXX XX/XX/XXXX, XXXX {$1000.00} XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX {$530.00} XXXX XX/XX/XXXX, XXXX {$160.00} XXXX XX/XX/XXXX, XXXXL {$1700.00} XXXX XX/XX/XXXX, XXXX XXXX {$300.00} XXXX XX/XX/XXXX, XXXX {$1000.00} XXXX XX/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 2025-05-02 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:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm 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 non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX : Credit Reporting Department XXXX. XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX XXXX to the credit reporting agencies regarding my closed account ( Account # XXXX ) Specifically, there are XXXX reported late payments that appear inconsistently across the three major credit bureaus ( Experian, TransUnion, and Equifax ) XXXX The dates of these late payments differ across each bureau, which is a clear indication of inaccurate and unreliable reporting. This inconsistency directly violates your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers of credit information must report data that is complete and accurate.

Per FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting any information that they know or have reasonable cause to believe is inaccurate. Moreover, once notified of a dispute, under FCRA Section 623 ( b ), the furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify all consumer reporting agencies to which the inaccurate data was furnished. 



Due to the inconsistencies in the dates of the alleged delinquencies, the accuracy of the entire delinquency reporting is now in question. As a result, I request that XXXX XXXX XXXX either remove the late payments from my credit report entirely or delete the entire account, as permitted and required under the FCRA when information can not be verified as accurate.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX : Credit Reporting Department XXXX. XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX XXXX to the credit reporting agencies regarding my closed account ( Account # XXXX ) Specifically, there are XXXX reported late payments that appear inconsistently across the three major credit bureaus ( Experian, TransUnion, and Equifax ) XXXX The dates of these late payments differ across each bureau, which is a clear indication of inaccurate and unreliable reporting. This inconsistency directly violates your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers of credit information must report data that is complete and accurate.

Per FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting any information that they know or have reasonable cause to believe is inaccurate. Moreover, once notified of a dispute, under FCRA Section 623 ( b ), the furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify all consumer reporting agencies to which the inaccurate data was furnished. 



Due to the inconsistencies in the dates of the alleged delinquencies, the accuracy of the entire delinquency reporting is now in question. As a result, I request that XXXX XXXX XXXX either remove the late payments from my credit report entirely or delete the entire account, as permitted and required under the FCRA when information can not be verified as accurate.

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 2025-05-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute of Inaccurate XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX XXXX to the credit reporting agencies regarding my closed account ( Account # XXXX ) Specifically, there are XXXX reported late payments that appear inconsistently across the three major credit bureaus ( XXXX, XXXX, and Equifax ) . The dates of these late payments differ across each bureau, which is a clear indication of inaccurate and unreliable reporting. This inconsistency directly violates your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers of credit information must report data that is complete and accurate.

Per FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting any information that they know or have reasonable cause to believe is inaccurate. Moreover, once notified of a dispute, under FCRA Section 623 ( b ), the furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify all consumer reporting agencies to which the inaccurate data was furnished. 



Due to the inconsistencies in the dates of the alleged delinquencies, the accuracy of the entire delinquency reporting is now in question. As a result, I request that XXXX XXXX XXXX either remove the late payments from my credit report entirely or delete the entire account, as permitted and required under the FCRA when information can not be verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
i am filling this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Experian 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 ( FCRA ), 15 U.S.C s 1681i, which mandates A REASONABLE INVESTIGATION OF DISPUTES. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C ss5536 ( a ) ( 1 ) ( A ) - ( XXXX as highlighted in the CFPB 's recent administrative proceeding the account is accurate ( XXXX XXXX account number : XXXX ) XXXX XXXX XXXX  account number : XXXX ) without providing any evidence of a thorough investigation. i request that CFPB takes action to ensure Experian complies with federal law and action to ensure Experian complies with federal law and action.

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 2025-05-02 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * - Date Opened XX/XX/XXXX - {$1500.00} Account Name : XXXX # XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation