vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I recently reviewed my credit report and was surprised to discover several inquiries listed that I did not recognize or authorize. As a responsible consumer, I take my credit history seriously, and I do not apply for credit recklessly. When I noticed these entries, it immediately raised concern because I never gave permission for these companies to access my credit file. 
The inquiries in question are : XXXX 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 XXXXXX/XX/XXXX I did not initiate applications with these creditors, nor did I give consent for them to pull my report. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), 15 U.S.C. 1681b ( a ), a credit report may only be obtained for a permissible purpose, and under FCRA 619, 15 U.S.C. 1681q, anyone obtaining a report without proper reason is in violation of 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 2025-09-05 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: TX

Complaint narrative:
The following accounts are not only unauthorized, but they are reporting information that does not match on my credit report which has to be removed per the FDCRA. I have tried to remedy this issue with creditors and now I am demanding that these misleading and inaccurate accounts are removed from my credit report. I will list each account with reason for removal below. XXXX formerly known as XXXX XXXX  for XXXX XXXX formerly known as XXXX XXXX isn't my account and promised to delete in writing via mail on XX/XX/XXXX, attached below. However, was readded under new name XXXX XXXX, another violation of law. XXXX XXXX XXXX was paid in full and reopened, creditor agreed to delete from credit report. 
XXXX account was paid in full and creditor agreed to delete XX/XX/XXXX, attached below. XXXX XXXX XXXX XXXXXXXX - account was paid in full and creditor agreed to delete account due to inaccurate reporting, I demand these accounts be deleted immediately per violations and deletion letters attached below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX  XXXX XXXX Late Date Reported XXXX XXXX XXXX XXXX XXXX Late Date Reported XXXXXXXX XXXX XXXXXXXX XXXX Late Date Reported XXXX XXXX  XXXX Late Date 30 days past due These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional XXXX, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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 disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency challenging the accuracy and validity of multiple items on my credit report. Specifically, I disputed two addresses, two charge-off accounts, and one collection account that I believe to be inaccurate, unverifiable, or both. The disputed addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX are locations where I have never resided, conducted business, or had any legal, financial, or personal ties. I requested their removal based on the absence of any documentation connecting me to these addresses. 
In addition, I disputed two charge-off accounts : one from XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance and another from XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$250.00}. I requested that the credit reporting agency and original creditors provide documentation validating the legitimacy of these charge-off statuses, including proof of default, account history, and, if applicable, IRS Form 1099-C to confirm whether any debt was canceled or forgiven. To date, no such documentation has been provided. 
Finally, I also disputed a collection account reported by XXXX XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  and a reported balance of {$22000.00}. I formally requested full validation of this debt, including a breakdown of the charges, original contract, payment history, and any legal documentation authorizing the collection. As of now, I have received no substantiated evidence to verify this collection entry. 
The continued reporting of these items without proper verification raises serious concerns under FCRA 611, which requires a reasonable reinvestigation of disputed information ; FCRA 1681e ( b ), which mandates credit bureaus to maintain maximum possible accuracy of consumer data ; and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits data furnishers from reporting information they know or reasonably should know to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I submitted a formal written dispute to the credit reporting agency challenging the accuracy and validity of multiple items on my credit report. Specifically, I disputed two addresses, two charge-off accounts, and one collection account that I believe to be inaccurate, unverifiable, or both. The disputed addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX are locations where I have never resided, conducted business, or had any legal, financial, or personal ties. I requested their removal based on the absence of any documentation connecting me to these addresses. 
In addition, I disputed two charge-off accounts : one from XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance and another from XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$250.00}. I requested that the credit reporting agency and original creditors provide documentation validating the legitimacy of these charge-off statuses, including proof of default, account history, and, if applicable, IRS Form 1099-C to confirm whether any debt was canceled or forgiven. To date, no such documentation has been provided. 
Finally, I also disputed a collection account reported by XXXX XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  and a reported balance of {$22000.00}. I formally requested full validation of this debt, including a breakdown of the charges, original contract, payment history, and any legal documentation authorizing the collection. As of now, I have received no substantiated evidence to verify this collection entry. 
The continued reporting of these items without proper verification raises serious concerns under FCRA 611, which requires a reasonable reinvestigation of disputed information ; FCRA 1681e ( b ), which mandates credit bureaus to maintain maximum possible accuracy of consumer data ; and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits data furnishers from reporting information they know or reasonably should know to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern : This is a Debt Validation Request regarding the above-referenced account you claim to own.

Under FDCPA 809 ( b ), provide : Proof that your company legally owns this debt and has the right to collect.

A complete chain of assignment from the original creditor.

A copy of the original signed contract.

An itemized statement showing how the alleged balance was calculated.

If this debt can not be validated, you must immediately cease all collection efforts and delete this item from consumer credit reports as required by FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am filing this complaint against American Express regarding unfair billing practices. 

On XX/XX/year>2025, I submitted my credit card paymentthe same day it was due. Despite paying on the due date, American Express still charged me a late fee and nearly {$600.00} in interest + {$39.00} Late Fee.

When I called customer service to dispute this, I was told the payment was considered late because it was submitted after XXXX XXXX  Mountain Standard Time. I find it unreasonable to expect cardholders to know or calculate payment cut-off times in another time zone. I Live in XXXX XXXX. 

I have been a loyal American Express Gold XXXX cardholder for 18 years, but this experience demonstrates a lack of transparency and disregard for long-standing customers. The representatives I spoke to showed no willingness to resolve the matter or remove the charges. 

As a result, I am closing my American Express account and moving my business elsewhere. 

I respectfully request that the CFPB review American Expresss practices regarding payment cut-off times and ensure that consumers are not unfairly penalized when payments are made on the due date. I am also seeking a refund of the improper late fee and interest charges assessed to my account. 

Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
Upon moving into an apartment managed by XXXX  I was given the option to purchase a security deposit bond or pay cash. I purchased the bond to cover over $ XXXX if I didn't pay my rent. Fast forward, my lease was ending, I contacted XXXX  to ask about what was sent to me about what seemed like they were telling me that I needed to repaint the walls. I asked about paint samples or if they purchased the paint from a certain vendor. They only answered to say yes to paint. I attempted to match the paint to the best of my ability be removing an outlet cover that was painted over. I took that to XXXX for matching. Well, XXXX  was not satisfied with my painting skills on 5-10 small areas. So they did a walk-through & said that I was responsible for damages to the wall because I guess the paint didn't match spot on, so they filed a claim against the bond for $ XXXX. I disputed this within 2 days of receiving the email about this. XXXX  never replied. I called the bond company, XXXX XXXX XXXX, to explain to them what happened. They referred me to IQ Data. First, they told me they didn't have my file yet. A few weeks later, a who were very rude told me that I needed to pay up or they would report it to my credit. I explained that I had pic proof and video of the unit. XXXX from IQ Data told me my docs/pics were AI-altered and would not stand up in court. He said I owed the $ & needed to pay my debt, or XXXX XXXX would continue action and put the debt on my credit report. I also told him that myself and XXXX  have an active case in court regarding this and other things. I informed him that we had just left court on XX/XX/year> and the case was set for trial on XXXX XXXX. IQ Data was told all this, yet XXXX just wanted to prove some sort of point by putting this on my credit report. I spoke with XXXX again on XX/XX/year> and asked him why they put this on my report if it is an active court case. Also XXXX  attorney said during her opening statement that XXXX  was looking to dismiss the case and I dint owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( XXXX ) listed below were returned as " verified '' without providing me with the details of the investigation. 

Accounts : XXXX - XXXX * * * *, XXXX - XXXX * * * *, XXXX - XXXX * * * *, XXXX XXXXXXXX XXXX - XXXX * * * *, XXXX - XXXX * * * * In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; XXXX fees as determined by the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( XXXX ) listed below were returned as " verified '' without providing me with the details of the investigation. 

Accounts : XXXX - XXXX * * * *, XXXX - XXXX * * * *, XXXX - XXXX * * * *, XXXX XXXXXXXX XXXX - XXXX * * * *, XXXX - XXXX * * * * In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; XXXX fees as determined by the court.

Company response to consumer: Closed with explanation