vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear XXXX I am writing to formally dispute a late payments reported on my account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My Account XXXX : XXXX During this time, I was dealing with a serious medical condition extreme XXXX XXXX XXXX XXXX XXXX XXXX which rendered me temporarily unable to work or manage my financial obligations. Due to this unforeseen medical hardship, I was unable to make my credit card payment on time those months. This was an isolated incident, and I have since brought the account current. I have always made a strong effort to stay in good standing with my payments and remain committed to maintaining a positive payment history. On XX/XX/XXXX, I spoke to a representative to create an automatic payment however, I later found out that my payment was not being deducted because I did dont verify my bank account XXXX after the account was set up. I'm currently on maternity leave from XXXX XXXX to XX/XX/XXXX However, I missed payments and unfortunately, I experienced temporary financial hardship during that time. As a result, I was unable to make the scheduled payment on time. This was in no way a reflection of my commitment to repaying my obligations, and I sincerely regret the oversight. I have since brought my account current and have maintained a consistent payment history. Prior to this, my payment record reflects responsible credit behavior, and I have taken steps to ensure this situation does not recur. 

Given the circumstances, I kindly request that you consider removing the late payment from my record as a gesture of goodwill. If necessary, I can provide medical documentation to support my claim. Thank you for your time and understanding. I would greatly appreciate your consideration of this request and look forward to your response. 

Please feel free to contact me at XXXX if you need any additional information. 
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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Trumark I am writing to formally dispute a late payments reported on my account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My Account Number : XXXX During this time, I was dealing with a serious medical condition extreme XXXX XXXX XXXX XXXX XXXX XXXX which rendered me temporarily unable to work or manage my financial obligations. Due to this unforeseen medical hardship, I was unable to make my credit card payment on time those months. This was an isolated incident, and I have since brought the account current. I have always made a strong effort to stay in good standing with my payments and remain committed to maintaining a positive payment history. On XX/XX/XXXX, I spoke to a representative to create an automatic payment however, I later found out that my payment was not being deducted because I did dont verify my bank account XXXX after the account was set up. I'm currently on maternity leave from XXXX XXXX to XX/XX/XXXX However, I missed payments and unfortunately, I experienced temporary financial hardship during that time. As a result, I was unable to make the scheduled payment on time. This was in no way a reflection of my commitment to repaying my obligations, and I sincerely regret the oversight. I have since brought my account current and have maintained a consistent payment history. Prior to this, my payment record reflects responsible credit behavior, and I have taken steps to ensure this situation does not recur. 

Given the circumstances, I kindly request that you consider removing the late payment from my record as a gesture of goodwill. If necessary, I can provide medical documentation to support my claim. Thank you for your time and understanding. I would greatly appreciate your consideration of this request and look forward to your response. 

Please feel free to contact me at XXXX if you need any additional information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Consolidated Notice of Finality of Investigation XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone : ( XXXX ) XXXX Date : XXXX To : Consumer Financial Protection Bureau [ Experian / Equifax / TransUnion insert company name as needed ] Re : Notice of Finality of Investigation FCRA Violations Complaint XXXX : XXXX TransUnion LLC Improper use of report Filed XX/XX/2025 XXXX Experian Improper use of report Filed XX/XX/2025 XXXX Equifax Improper use of report Filed XX/XX/2025 XXXX, XXXX, XXXX, XXXX All bureaus Problem with investigation Filed XX/XX/ Notice of Finality On XX/XX/2025, I filed CFPB complaints against TransUnion, Experian, and Equifax regarding the improper use of my credit report , specifically the inclusion of a XXXX  XXXX bankruptcy and outdated personal information. 

On XX/XX/2025, I filed additional CFPB complaints regarding the failure of each bureau to conduct a reasonable investigation into my disputes. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), reinvestigations must be completed within a reasonable time, and the CFPB mandates a final response within 60 days. 

For my XX/XX/2025 filings, the statutory 60-day period expires on XX/XX/2025. 

For my XX/XX/2025 filings, the statutory 60-day period expires on XX/XX/2025. 

To date, no bureau has produced any valid verification documents to justify the continued reporting of a bankruptcy. Each has merely referenced the U.S. Bankruptcy Court, which has confirmed that it does not transmit information to credit bureaus. Therefore, the reporting is being maintained through unverifiable third-party sources such as XXXX, which does not satisfy FCRA verification standards. 

Additionally, all three bureaus continue to list outdated addresses and other identifiers that increase the risk of fraud and misdirected communications, despite my certified disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
Consolidated Notice of Finality of Investigation XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone : ( XXXX ) XXXX Date : XXXX To : Consumer Financial Protection Bureau [ Experian / Equifax / TransUnion insert company name as needed ] Re : Notice of Finality of Investigation FCRA Violations Complaint XXXX : XXXX TransUnion LLC Improper use of report Filed XX/XX/2025 XXXX Experian Improper use of report Filed XX/XX/2025 XXXX Equifax Improper use of report Filed XX/XX/2025 XXXX, XXXX, XXXX, XXXX All bureaus Problem with investigation Filed XX/XX/ Notice of Finality On XX/XX/2025, I filed CFPB complaints against TransUnion, Experian, and Equifax regarding the improper use of my credit report , specifically the inclusion of a XXXX  XXXX bankruptcy and outdated personal information. 

On XX/XX/2025, I filed additional CFPB complaints regarding the failure of each bureau to conduct a reasonable investigation into my disputes. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), reinvestigations must be completed within a reasonable time, and the CFPB mandates a final response within 60 days. 

For my XX/XX/2025 filings, the statutory 60-day period expires on XX/XX/2025. 

For my XX/XX/2025 filings, the statutory 60-day period expires on XX/XX/2025. 

To date, no bureau has produced any valid verification documents to justify the continued reporting of a bankruptcy. Each has merely referenced the U.S. Bankruptcy Court, which has confirmed that it does not transmit information to credit bureaus. Therefore, the reporting is being maintained through unverifiable third-party sources such as XXXX, which does not satisfy FCRA verification standards. 

Additionally, all three bureaus continue to list outdated addresses and other identifiers that increase the risk of fraud and misdirected communications, despite my certified disputes.

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 2025-09-30 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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

ACCOUNTS 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-30 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-30 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: ME

Complaint narrative:
I am an XXXX XXXX XXXX military member and I was recently activated for XXXX XXXX service and I am on active orders since XXXX XX/XX/year> and will be shipping out in a few days. 

I called American Express to request fees and interest relief in accordance with the XXXX ( XXXX XXXX XXXX ). I gave American Express all information they asked for and the request was deemed complete with supporting information. 
Unfortunately after review of my request I am told via email that I am ineligible. 

I would appreciate enforcement of the XXXX and addressing this violation. 
Feel free to contact me with any questions. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just pulled my report this morning and noticed that the account I reported still reflecting on my report. And this is against Consumer Reporting Act already. I want this account permanently deleted off my report within the 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against Rooms To Go ( RTG ) for deceptive billing practices, misrepresentation, and warranty denial. 

In XXXX  I purchased a dining table and 6 chairs. The table and chairs were selected separately, and my invoice shows I paid for warranties separately. RTG bundled the table and 4 chairs together in their system without disclosing this to me. 

When the dining table developed issues, RTG issued me a {$1100.00} credit. I believed this applied to the table only. I selected a new table, paid the difference, and assumed the matter was resolved. 

After delivery, RTG informed me the {$1100.00} credit applied to both table and chairs and demanded an additional {$770.00} ( later changed to {$780.00} ). 

Separately, I filed a warranty claim on my TV console ( still under its 1-year warranty ). RTG admitted in writing that my warranty is valid but refused to honor it because my account was locked due to the disputed dining set balance. This constitutes unlawful tying of unrelated warranty obligations to disputed charges. 
I attempted multiple times to contact RTG for clarification on the inconsistent amounts via phone and email. They refused to respond, then escalated to collections without resolving the dispute.

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 2025-09-30 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Subject : Dispute of Negative Items Related to Data Breach Request for Immediate Removal Dear [ XXXX ] Dispute Department , I am writing to formally dispute certain negative items listed on my credit report, which I believe are the direct result of a data breach that exposed my personal information without my consent. I request that these items be investigated and permanently removed from my credit file under the protections afforded to me by the Fair Credit Reporting Act ( F

CRA ), 15 U.S.C. 1681 et seq. My personal identifiable information ( PII ) including my name, Social Security number, and other sensitive data was compromised due to a security failu
re by a third party, making me vulnerable to identity theft and fraudulent credit activity. 
The following accounts are inaccurate and should be removed : Creditor Name : XXXX Creditor Name : XXXX XXXX XXXXXXXX Creditor Name : XXXX  Creditor Name : Best Buy Creditor Name : XXXX XXXX Legal Basis : Under FCRA 605B, consumers have the right to request the blocking and removal of information resulting from identity theft. Additionally, under FCRA 1681i, you are required to conduct a reasonable investigation into any disputed item and respond within 30 days. 
I have taken the necessary steps to report the identity theft and protect myself, including reporting it to the Federal Trade Commission ( FTC ) and placing a fraud alert with credit bureaus. 
Enclosed Documents : A copy of my government-issued photo ID Proof of my current address ( e.g., utility bill or bank statement ) A copy of my credit report with disputed accounts clearly marked [ Optional : FTC Identity Theft Report or police report ] Due to the nature and seriousness of the breach, I am requesting immediate removal of the fraudulent items from my credit report. Please send me written confirmation once the investigation is complete and the accounts have been removed. 
If the matter is not resolved within the required timeframe, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 
Thank you for your attention and compliance with federal law. 
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