vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX is continuing to report a loan account to the credit bureaus despite an active arbitration case being filed against them. The reporting does not reflect that the account is in dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ). I entered into a loan agreement with XXXX XXXX that I believe involved deceptive and unlawful lending practices. As per the contracts arbitration clause, I filed for arbitration through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite this active arbitration, XXXX XXXX continues to report the account to credit bureaus without marking it as disputed, and with derogatory remarks that are causing ongoing harm to my credit profile and financial standing. 

This is a direct violation of : FCRA Section 623 ( a ) ( 3 ) Furnishers must report an account as disputed if a consumer notifies them of a dispute. 
CFPB Regulation V Requiring accurate and fair credit reporting. 
North Carolina General Statutes ( UDTPA ) if applicable, for unfair/deceptive business practices. 

Ive already submitted notice of arbitration to XXXX XXXX and provided all required documents to the XXXX. They are aware of the legal status of this account, and yet they continue to report it as if no dispute exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX is continuing to report a loan account to the credit bureaus despite an active arbitration case being filed against them. The reporting does not reflect that the account is in dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ). I entered into a loan agreement with XXXX XXXX that I believe involved deceptive and unlawful lending practices. As per the contracts arbitration clause, I filed for arbitration through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite this active arbitration, XXXX XXXX continues to report the account to credit bureaus without marking it as disputed, and with derogatory remarks that are causing ongoing harm to my credit profile and financial standing. 

This is a direct violation of : FCRA Section 623 ( a ) ( 3 ) Furnishers must report an account as disputed if a consumer notifies them of a dispute. 
CFPB Regulation V Requiring accurate and fair credit reporting. 
North Carolina General Statutes ( UDTPA ) if applicable, for unfair/deceptive business practices. 

Ive already submitted notice of arbitration to XXXX XXXX and provided all required documents to the XXXX. They are aware of the legal status of this account, and yet they continue to report it as if no dispute exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XX/XX/XXXX, I discovered several unauthorized accounts listed on my credit report. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or the misuse of my personal information. The fraudulent accounts include : XXXX XXXX XXXX Line of Credit Opened : XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened : XX/XX/XXXX XXXX XXXX  Charge Card Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Loan Opened : XX/XX/XXXX XXXX Business Loan Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  Collection Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Sales Contract Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX Inquired XXXX : XX/XX/XXXX The above accounts and inquiry were not authorized by me and are the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Transunion Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within XXXX  days. 
- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate. 
- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint XXXX XXXXXXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint XXXX XXXXXXXX resulted in successful removal of unverifiable account data following a formal dispute. 

XXXX XXXX and XXXX XXXX : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am following up on my prior complaint regarding the repossession of a vehicle. I was the co-borrower and the lenders main point of contact, despite not being the primary borrower. 

While I initially filed this complaint under the Fair Credit Reporting Act ( FCRA ), I have since discovered that the lenders actions also violate Florida Statute 679.614, which governs the repossession and sale of collateral ( vehicle ) after default.

Under Florida law, lenders must provide a written notice of sale ( Notice of Disposition ) to the borrower and co-borrower at least 10 days before the vehicle is sold. This written notice must include : The vehicle description The date, time, and location of sale ( if public ), or the date after which it will be sold ( if private ) Redemption instructions Notification of liability for any deficiency balance Neither I nor the primary borrower ever received this required written notice. The only mention of a potential auction was a phone conversation where a representative stated that if I did not act fast, the vehicle could be sold within 10 daysbut this does not meet Floridas written notice requirements.

In fact, I had a verbal agreement with the lender to make a payment on the very day the vehicle was repossessed. Despite that agreement, the vehicle was taken while I was asleep, and no further communication or auction notice was provided. The lender has since reported a deficiency balance of {$18000.00} to my credit report. 

I have emailed the company requesting documentation, and they continue to respond with automated emails instructing me to call instead of providing written communication, which undermines transparency and my ability to document this dispute.

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

Complaint narrative:
My student loan has been in postponement from XX/XX/XXXX through XX/XX/XXXX. It is showing on my account as late XXXX days late. I am currently in a XXXX program and I have the letter proving that I have been in postponement from XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I placed an order on XXXX using a the cashapp card as I use that as my bank account. I placed an order for a laptop for {$1300.00}. I did not receive my package because it was damaged in transit, so I contacted XXXX whats going on and they said the package was damaged so it will be returned. So I asked for my money back, they said they wont give me my money back because the package was damaged even tho it wasnt my fault it was damaged. They have my laptop and money please help. I then contacted cashapp for help but they denied my claim with plenty of proof. I will no longer use cashapp, they are robbers, XXXX stole my money please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed these inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports multiple times after providing a police report showing an unknown individual has used my drivers license after stealing my wallet to obtain credit cards and apply for car loans in my name for years. These companies refused to delete these inquiries from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed these inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my credit reports multiple times after providing a police report showing an unknown individual has used my drivers license after stealing my wallet to obtain credit cards and apply for car loans in my name for years. These companies refused to delete these inquiries from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted ASAPXXXX 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 XXXXUnder 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northwestern Mediation Services
State: CA

Complaint narrative:
on XX/XX/year> at XXXX XXXX  pacific time, the debt collector named Northwestern Mediation called and threatened to sue and file document in court if I didn't resolve or make a payment to stop for them filing any documents. No documentation was ever mailed to me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Subject : Formal Dispute of Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate late payment records on my account, Account number : XXXX AFFIRM INC . 


This account has been paid in full, and there are no outstanding balances. Despite multiple previous requests to update and correct this information, the inaccurate late payments continue to be reported. 

This is the fourth time I am disputing this matter, and I urge you to take immediate action. According to the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, reporting false information is unlawful. Therefore, I demand that you update my records promptly to reflect the accurate payment history and remove any late payment entries related to this account. If this issue is not resolved in a timely manner, I will be left with no choice but to pursue legal action for continued reporting of false information. 

Please confirm receipt of this dispute and provide written verification of the corrections made. If you require any additional documentation, I am happy to provide it. I expect a resolution within the timeframe specified under consumer protection laws. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
While looking at my consumer report, there is fraudulent information being reported. - The companies listed are in violation of : - U.S.C 1681b- in which permissible purpose can not be assumed, assigned, or transferred. It must be explicitly granted by the consumer. - 15 U.S.C 1681q - It's a federal offense to knowingly and willfully obtain consumer information under false pretenses. - 15 U.S.C 1681a ( 4 ) - recognizing that my right to privacy has been violated by unlawful transmission of my consumer data. - 18 U.S.C 102 8A - Aggravated identity theft, which applies when a party knowingly uses my personal information without lawful authority. - AdditionallyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The court recognized that obtaining a consumer report without a clearly established permissible purpose is a violation of the FCRA. - This constitutes identity theft and must be removed from my credit report immediately. - Also, there are unauthorized inquiries listed. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
While looking at my consumer report, there is fraudulent information being reported. - The companies listed are in violation of : - U.S.C 1681b- in which permissible purpose can not be assumed, assigned, or transferred. It must be explicitly granted by the consumer. - 15 U.S.C 1681q - It's a federal offense to knowingly and willfully obtain consumer information under false pretenses. - 15 U.S.C 1681a ( 4 ) - recognizing that my right to privacy has been violated by unlawful transmission of my consumer data. - 18 U.S.C 102 8A - Aggravated identity theft, which applies when a party knowingly uses my personal information without lawful authority. - AdditionallyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The court recognized that obtaining a consumer report without a clearly established permissible purpose is a violation of the FCRA. - This constitutes identity theft and must be removed from my credit report immediately. - Also, there are unauthorized inquiries listed. 


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

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