vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Equifax, Experian, and TransUnion regarding their ongoing failure to correct inaccurate payment history information in my credit reports, despite multiple disputes. 

This is my third formal attempt to have these inaccuracies corrected. My first dispute was submitted over 35 days ago, followed by a second dispute, yet the bureaus have not provided any valid documentation verifying the legitimacy of the reported late payments. 

The disputed accounts are : Late Payment ( Open ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Open ) XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe basis of my dispute is that these late payments appear to be the result of billing errors as defined under 15 U.S.C. 1666 ( b ), including : Failure to correctly post or credit timely payments ; Computation or accounting errors by the creditor ; Failure to send a billing statement at least 21 days before the due date, which makes the reporting of late payments legally invalid.

Despite these clear issues, the bureaus have failed to provide : The method of verification used to confirm the accuracy of these late payments ; The name and contact information of the furnisher ( s ) ; Any documentary proof that substantiates the late payments being reported.

Under 15 U.S.C. 1681i, the bureaus are required to conduct a reasonable reinvestigation of disputed information. Under 15 U.S.C. 1681e ( b ), they are obligated to follow procedures ensuring maximum possible accuracy. The continued reporting of these unverified late payments constitutes a violation of these provisions.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: IN

Complaint narrative:
Around XX/XX/2025, Valon Mortgage incorrectly reported two of my mortgage accounts as delinquent after they were transferred to XXXX XXXX. The accounts were not delinquent, and this false reporting was submitted to all three major credit bureaus ( XXXX, XXXX, and XXXX  ). 

Valon has since admitted in writing that the reporting was incorrect and stated they had notified the credit bureaus to remove the derogatory marks. However, the damage had already been done. While my credit score did not drop significantly, this error caused me stress, XXXX, and emotional harm. 

As a father and XXXX XXXX, I spent valuable time researching the issue, monitoring reports, and preparing to defend my creditworthiness time that should have been spent with my family or at work. 

Under 15 U.S.C. 1681o, I am entitled to actual damages due to negligent credit reporting, including emotional distress and time lost.

I reached out to Valon seeking a modest settlement to resolve this issue without further escalation, but they declined, stating they dont offer monetary compensation. They did, however, invite me to submit documentation of damages.

I am requesting CFPB assistance in ensuring : 1. Full correction and verification of all credit bureau entries 2. Accountability for FCRA negligence 3. A fair resolution for the emotional harm caused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
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! 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-08 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'm filing a complaint regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX concerning an auto loan account ( Account # : XXXX ). 

Specifically, my credit report shows this account as 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. However, my payment history does not reflect a preceding 30-day late payment for this account. This reporting is factually inaccurate, as standard practice and common logic dictate that an account can not be 60 or 90 days late without first having been 30 days late. This inconsistency points to a clear error in how Experian and XXXX XXXX XXXX have furnished this information. 

This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. I have already formally disputed this with Experian, requesting an investigation, direct verification with XXXX XXXX XXXX, and the deletion of these inaccurate late payment entries.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TomoCredit Inc.
State: GA

Complaint narrative:
Subject : Formal Demand for Return of {$3000.00} Funds Refunded to Tomo Credit Account Dear TomoCredit Team, I am writing to formally demand the release and return of {$3000.00}, which was refunded to my Tomo Credit account by Esurance on XX/XX/year>. This refund was rightfully owed to me and was issued in good faith by the insurance provider. 
At the time of the refund, my Tomo Credit account was suspended, and it remains suspended as of today. Despite this, I was able to access the refunded funds temporarily. However, Tomo Credit has failed to disburse or return the funds to me, nor has it provided any explanation or support. 
I have made multiple attempts to resolve this matter, including : Contacting your customer support by phone and email on several occasions with no response. 
Filing complaints with the Better Business Bureau and other consumer protection agencies, which were unsuccessful due to lack of participation from your company. 
Given these facts, I am now demanding the immediate release or reimbursement of the {$3000.00} refund owed to me. Please consider this a final effort to resolve the issue amicably before seeking further legal or regulatory remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the following Experian hard inquiries. I never gave written consent to these companies to pull my credit, which violates 15 U.S.C 1681b. These inquiries were unathorized and are harming my credit : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ) and ( XXXX ), XXXX  ( XXXX ) and XXXX XXXX ( XXXX - listed twice ). There was no permissible purpose, and under 15 U.S.C 1681e ( b ), Experian must ensure maximum possible accuracy. I'm requesting immediate deletion of all these inquiries.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/year> Complaint Against XXXX XXXX Refusal to Provide Secure Alternative to Postal Submission for Identity Verification I am requesting a security freeze on my credit file under the Fair Credit Reporting Act ( FCRA 605A ( d ) ) for identity protection purposes. XXXX XXXX is refusing to process my request unless I send an unredacted copy of my drivers license and full Social Security number through regular U.S. mail.

This requirement creates an unreasonable risk of identity theft and loss of personal information. FCRA 610 ( a ) ( 2 ) requires consumer reporting agencies to provide a reasonable means for consumers to exercise their rights. In addition, FCRA 628 ( 15 U.S.C. 1681w ) and the GLBA Safeguards Rule require CRAs to protect sensitive consumer data from unauthorized access or use. Forcing submission via unsecured postal mail is inconsistent with these obligations. I am willing to provide proper identification, proof of address, and any other documentation through a secure CFPB portal upload, encrypted email, or XXXX secure online portal. Refusal to offer any secure option constitutes an unreasonable barrier to exercising my rights under the FCRA.

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 2025-08-08 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: FL

Complaint narrative:
I am filing this complaint to report a clear violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion, pursuant to 15 U.S.C. 1681c-2, 1681b, and 1681s-2 ( a ) ( 6 ).

I have been the victim of identity theft. I am enclosing my official Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, which constitutes legally sufficient proof under federal law. 

Under 15 U.S.C. 1681c-2 ( b ), a credit reporting agency must block all disputed information identified in the Identity Theft Report within four ( 4 ) business days of receipt. The law does not require any further investigation prior to blocking.

Furthermore, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 6 ), once the furnisher of the information is notified of the block, they are prohibited from continuing to report the disputed information unless they present original, signed, and verifiable documentary evidence that conclusively proves the account was authorized by me to be reported.

In accordance with the FCRA, it is not sufficient to simply conduct an internal verification or consult their own records ; the law requires authentic physical or digital evidence such as the original signed contract by the consumer that fully supports the accuracy and legitimacy of the information.

The following negative accounts continue to appear on my TransUnion credit file despite my multiple disputes and the fact that other credit bureaus have already deleted them for failure to verify : XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized the reporting of these accounts. There is no signed contract or consent from me that justifies their inclusion in my credit report, which constitutes a violation of 15 U.S.C. 1681b ( permissible purposes ).

The continued reporting of these accounts constitutes the unauthorized disclosure of my non-public personal information and a direct violation of my rights under the FCRA.

I have contacted TransUnion on multiple occasions and have provided all necessary documentation ; however, I have not been given a clear or definitive resolution.

This ongoing violation is causing me serious harm, including preventing me from purchasing a new home for my children and limiting my access to essential financial tools.

Additionally, I have formally requested copies of any contracts or documentation from the furnishers of these accounts. More than 60 days have passed without receiving any response, which further confirms there is no verifiable evidence to support these accounts.

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 2025-08-07 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report :

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 2025-08-07 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I authorized XXXX XXXX to charge my Chase credit card for approximately {$12000.00} for an agreed-upon project. On XX/XX/XXXX, an unauthorized charge was made at XXXX XXXX using my card without my consent. 

I immediately reported the charge as Disputr/fraud to Chase. Initially, Chase refunded the amount, then reversed the refund and stated it was not a dispute, its fraud. The case was escalated to the fraud department, which later denied the claim because it was too late its a dispute. 

The last communication from Chase said the claim was out of the time limit, without providing any legal basis or documentation. Chase has refused to provide details of its investigation or justification for denying the fraud claim. I did email them after they called me with their out of time excise, but didn't receive any response This back-and-forth appears to be a tactic to avoid reimbursing an unauthorized charge, violating the Fair Credit Billing Act and Regulation Z protections for cardholders. 

As of XX/XX/XXXX, Chase is demanding payment for this fraudulent charge with a due date of XX/XX/XXXX. I refuse to pay for a charge that was never authorized and for which I received no goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent fraudulent inquiries off of my report : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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