vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
I am formally disputing inaccurate credit reporting by XXXX XXXX regarding a charged-off account that appears on my credit report. The issue concerns the last payment date that is being reported. 

According to the information provided by XXXX XXXX, the last payment date is listed as XX/XX/XXXX. However, based on my own payment records and documentation, my actual last payment was made in XX/XX/XXXX. This means the information being reported is incorrect and does not accurately reflect my payment history. 
This incorrect date is significant because the date of last payment determines when the account should legally fall off my credit report, which is typically seven years from the date of delinquency. By misreporting a later date, this could unfairly extend the negative impact of this account on my credit profile and potentially affect my ability to secure credit, housing, or employment. 
I have attempted to resolve this issue by submitting a dispute and requesting that the information be verified or corrected. Ive asked that XXXX XXXX either update the last payment date to reflect the accurate information ( XX/XX/XXXX ) or, if they can not verify it, remove the account entirely from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
As of now, I have not received any confirmation that the error has been corrected. I am asking for a full investigation into this matter and a resolution that ensures the accuracy of my credit report. I believe that accurate reporting is not only my right under federal law but also necessary to ensure fair treatment as a consumer. 

Thank you for your attention to this matter.

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 2025-05-24 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: HI

Complaint narrative:
Experian has an address on my credit report that is not accurate a month a lot of other things they have accounts on there that's not accurate they're improperly reporting my credit they're reporting my credit balances as balances for my time credit Builder card XXXX XXXX XXXX XXXX this address is also on my credit report that has never belonged to me I have never lived at that address as you can see I have several other disputes that was taken care of due to identity theft I have to change my ID number and all of that it's been horrible my social security number is on the dark web on six different accounts I just found out from my credit monitoring but Experian is killing my credit score also I have documentation from XXXX XXXX XXXXXXXX XXXX XXXX original creditor XXXX for {$560.00} that is supposed to be removed from my credit report and I have that documentation from the credit collection agency themselves that it was going to be removed because evidence showed that it was not my account but that's still on all of my accounts Equifax TransUnion and XXXX I called Experian they have nothing but an automated system I could not speak with the person to further this clear up this matter so I'm reaching out to you in hopes that we could work together to get these matters cleared and off of my credit so that I could have the proper credit scoring that I should have that will give me the proper chance to live my life just like a normal Citizen and what I'm trying to do build my credit so that I can buy a home for myself and my kids and grandkids I'm just trying to live the American dream and experience is ruining that for me so I asked no correction so I beg of you to help me with this situation please and thank you

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I emailed Gurstel Law Firm and their associated Collection Company Operating under the name XXXX XXXX XXXX on XX/XX/year>. I emailed them after dozens of harassing phone calls and letters began flooding into my phone and mail addresses ( physical and email adress ). I told them that I had no knowledge of this debit and that it was likely a result of fraud. I requested proof of the debit. I was mailed a hunk of confusing papers that looked legal enough but that I had no knowledge of and no responsibilities for. I also informed them that I was judgement proof, XXXX and receiving social security benefits. They continued to threaten me with legal actions. When I called them out on it they went silent. They then served me a summons on XX/XX/XXXX. These two companies purposely make contacting them difficult. They list multiple phone numbers, addresses and other contact info to make it nearly impossible for clients to address the claims being made against them. When you call one of these places, they forward you to the other company. They ignore valid arguments against ownership of debt. They stalk and harass you. And they boldly lie and claim that someone owes them debt when they absolutely do not! Gurstel Law and XXXX XXXX XXXX is agressively predatory in every sense of the word!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NH

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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> this particular day, I went to the XXXX  ATM and withdraw {$500.00} and the ATM machine did not dispense my {$500.00} so I contacted and let them know. They told me that it dispensed that I have a receipt and I believe its on camera that they didnt dismiss The funds. Ive contacted Chime. Ive contacted the ATM provider and this happened in XXXX XXXX in XXXX XXXX XXXX XXXX XXXX at XXXX  and on these this day, Ive contacted XXXX XXXX ATM service and Ive contacted Chime. They just both gave me a runaround and and didnt refund anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
Subject : Request for Removal of Inaccurate Late Payment from XX/XX/year> Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to respectfully dispute a late payment that was reported on my XXXX credit card account in XXXX. I have been a long-standing customer and have always taken pride in maintaining a good payment history. To the best of my knowledge, I have never made a late payment on this account and have always paid on time throughout the years Ive held this card. 



This reported late payment is not accurate, and I kindly ask that it be reviewed and removed from my credit reports with XXXX XXXX and TransUnion. 



This incorrect information has significantly impacted me. I am currently in the process of enlisting in the United States XXXX as XXXX XXXX, and part of the evaluation involves a review of my credit history. This erroneous late payment has created a major obstacle in my enlistment process and is preventing me from moving forward in serving my country. 



This situation has also affected my mental health and caused considerable stress. I have worked hard to build and maintain good credit, and I have always been responsible with my XXXX account. I would be incredibly grateful if this late payment could be removed as a gesture of goodwill and in recognition of my consistent payment history. 



Your help with this would mean a great deal to me and would have a positive impact on my future. Thank you for your time and consideration

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 2025-05-24 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX XXXX XXXXXXXX ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # : XXXX CREDITONEBNK Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
False/ closed debt ( {$4800.00} ) needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e ET seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 

In the attachment included with this letter you will see my identifying information as well as my consumer report from Transunion and Experian which shows I do not have any account of Reported on my Transunion and Experian consumer credit report. However this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e ET seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 

In the attachment included with this letter you will see my identifying information as well as my consumer report from Transunion and Experian which shows I do not have any account of Reported on my Transunion and Experian consumer credit report. However this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false 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 2025-05-24 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: TX

Complaint narrative:
The XXXXredit reporting agency has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable investigation of disputed information in my credit report, leaving unresolved inaccurate or unverifiable accounts. Despite my prior dispute, the last investigation came back as verified, even though the information in question is not accurate or verifiable according to the stated laws. Under XXXX XXXX Code 392.001, debt collection agencies must be licensed and bonded with the XXXX  XXXX of State to legally operate within the state. A search of the XXXX  XXXX of XXXX licensed debt XXXX database revealed that XXXX XXXX XXXX XXXX XXXX is not registered as a licensed debt collector in Texas. This indicates that the company is not authorized to engage in debt collection activities within the state. Further, under XXXX XXXX XXXX XXXX, a debt collector can not engage in any form of collection or attempt to collect a debt if they are not properly licensed under state law. Therefore, their actions are in violation of Texas law. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any false or misleading representations made by an unlicensed debt collector about their legal authority to collect a debt are prohibited. I request that this information be deleted from my credit report immediately, as it represents a violation of both state and federal law. This is the second time Ive filed a complaint regarding this matter, and I expect a prompt resolution.

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 2025-05-24 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: CO

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I paid my balance in full and this payment posted on XX/XX/year> and I was still charged interest on XX/XX/year>. I called in to confirm that my balance was already paid in full to {$0.00} and was told the interest would not be removed. I have documentation that my full balance was paid in full, prior to the interest charge and advised that I would make a CFPB complaint if this was not resolved. The interest was not 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 monetary relief