vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-09 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: SC

Complaint narrative:
It is unacceptable that I keep finding accounts on my credit report that I never opened or authorized. I was not notified when these were added, and the reporting is inconsistent across all three bureaus, which makes the situation even more suspicious and frustrating.

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 2025-09-09 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX XXXX  TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am contesting the late payment and delinquent remarks that have been reported. These are incorrectmy payments were made on time or as previously arranged. Please revise the account to Paid as Agreed and remove any delinquency information.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a consumer installment loan facilitated by XXXX for the purchase of a hot tub. The merchandise delivered was faulty, and I initiated a formal dispute with XXXX. During the investigation period, I withheld payment as advised, and my autopay was paused accordingly. 

However, XXXX failed to notify me when the investigation concluded through the XXXX XXXX XXXX and emails were sent regarding the investigation referencing a " coversation '' that did not take place. Without a clear resolution notice, they reported a missed payment to the credit bureausresulting in a derogatory mark on my credit report. This action was taken while the dispute was still active from my perspective, and without any opportunity to resume payment or resolve the matter. 

This reporting constitutes a procedural failure and a violation of fair credit reporting standards, as I was not informed of the investigation outcome nor given a chance to cure the payment before it was reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a consumer installment loan facilitated by XXXX for the purchase of a hot tub. The merchandise delivered was faulty, and I initiated a formal dispute with XXXX. During the investigation period, I withheld payment as advised, and my autopay was paused accordingly. 

However, XXXX failed to notify me when the investigation concluded through the XXXX XXXX XXXX and emails were sent regarding the investigation referencing a " coversation '' that did not take place. Without a clear resolution notice, they reported a missed payment to the credit bureausresulting in a derogatory mark on my credit report. This action was taken while the dispute was still active from my perspective, and without any opportunity to resume payment or resolve the matter. 

This reporting constitutes a procedural failure and a violation of fair credit reporting standards, as I was not informed of the investigation outcome nor given a chance to cure the payment before it was reported as delinquent.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a consumer installment loan facilitated by XXXX for the purchase of a hot tub. The merchandise delivered was faulty, and I initiated a formal dispute with XXXX. During the investigation period, I withheld payment as advised, and my autopay was paused accordingly. 

However, XXXX failed to notify me when the investigation concluded through the XXXX XXXX XXXX and emails were sent regarding the investigation referencing a " coversation '' that did not take place. Without a clear resolution notice, they reported a missed payment to the credit bureausresulting in a derogatory mark on my credit report. This action was taken while the dispute was still active from my perspective, and without any opportunity to resume payment or resolve the matter. 

This reporting constitutes a procedural failure and a violation of fair credit reporting standards, as I was not informed of the investigation outcome nor given a chance to cure the payment before it was reported as delinquent.

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 2025-09-09 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: WY

Complaint narrative:
I have a personal loan through OneMain. I canceled an auto payment on XX/XX/XXXX. Since then, I am receiving between 3 and 5 calls a day. Between XX/XX/XXXX and XX/XX/XXXX, I received 18 calls. When I silenced these calls because I'm at work and can't recieve calls, they call immediately back. This is harassment and I'm not even 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I am submitting this complaint regarding the Apple Card, issued by Goldman Sachs Bank USA. 

Due to ongoing medical expenses and financial hardship, I requested enrollment in the Apple Card XXXX XXXX  XXXX in XX/XX/year>. At that time, I was approved and told I could skip my XX/XX/year> payment. The enrollment confirmation I received clearly stated only the terms for that months payment deferral. Nowhere in the communication did it mention any restriction that the program could only be used once per XXXX  months In XX/XX/year>, I again sought assistance because of my continued financial hardship. To my surprise, my application was denied. For the first time, I was informed that customers are limited to XXXX hardship enrollment per XXXX period. This restriction had never been disclosed to XXXX when I first applied, not in the program confirmation email, and not in the XXXX  XXXX  XXXX  If I had been informed of this limitation upfront, I would have chosen a longer-term hardship plan instead of a single-month deferral. The lack of transparency directly harmed me, as I relied on incomplete and misleading information when making my financial decision. Goldman Sachs has provided no explanation for this omission. 

To make matters worse, I previously filed a complaint about this issue and it was dismissed. This time, I have attached supporting documentation, including : My XXXX XXXX XXXX, which does not contain any mention of the once per XXXX  months restriction. 

The XX/XX/year> enrollment confirmation email, which outlines the one-month relief but does not mention future eligibility restrictions The XX/XX/year> denial email, which introduced the once per year limitation for the first time Summary of Issues : Non-disclosure of material terms The once-per-year limitation was never communicated prior to denial. 

Misleading enrollment process By omitting this restriction, I was denied the ability to make an informed choice when first offered relief. 

Dismissed prior complaint My concerns were not adequately addressed in the past, despite being valid. 

I respectfully request that the CFPB review this matter and require Goldman Sachs to ( XXXX ) disclose all limitations of its hardship programs upfront, ( XXXX ) reconsider my application for hardship assistance in light of the lack of disclosure, and ( XXXX ) take corrective measures to prevent similar harm to other consumers.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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 filing this complaint because my credit report continues to show inaccurate addresses and unauthorized inquiries that do not belong to me. I have disputed these items with the credit bureaus, but they failed to investigate properly and correct the errors as required by law. The presence of wrong addresses and unverifiable inquiries creates a misleading and damaging credit profile, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are required to ensure maximum possible accuracy under FCRA 607 ( b ), to provide verification under FCRA 609, and to reinvestigate and delete unverifiable items under FCRA 611. Furnishers and bureaus are also required to have a permissible purpose for inquiries under FCRA 604. Since these obligations have been ignored, I am requesting the CFPB to hold the bureaus and furnishers accountable XXXX XXXX  XX/XX/year> Inquiry Issue : This inquiry was not authorized. Story : The bureau allowed a creditor to access my report without my consent, harming my score. Law : FCRA 604, 611 XXXX XXXX  XX/XX/year> Inquiry Issue : Unauthorized inquiry. Story : I never applied for credit with this entity and no permissible purpose exists. Law : FCRA 604, 607 ( b ) XXXX XXXX XX/XX/year> Inquiry Issue : Duplicate unauthorized inquiry. Story : Multiple pulls from the same creditor without my consent demonstrate failure to safeguard my file. Law : FCRA 604, 611 XXXX XXXX  XX/XX/year> Inquiry Issue : Unapproved inquiry. Story : I requested verification but none was provided. Law : FCRA 604, 611 XXXX XXXX  XX/XX/year> Inquiry Issue : This inquiry is not mine. Story : No proof of permissible purpose has been provided. Law : FCRA 604, 607 ( b ) The continued presence of these items shows willful noncompliance with the FCRA. These inaccuracies harm my creditworthiness, financial stability, and consumer rights. I am requesting the CFPB to investigate the credit bureaus and furnishers for failing to comply with FCRA 604, 607 ( b ), 609, and 611, and to take enforcement action to ensure these inaccurate addresses and unauthorized inquiries are permanently deleted.

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 2025-09-09 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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  Balance : {$19.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit profile is extremely important to me. However, I continue to see inaccurate and false information that has not been corrected, despite raising this issue multiple times. This recurring problem is both stressful and exhausting, and it has been unfairly damaging my credit score and negatively affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/year>, I paid {$5000.00} for Chase credit card on due date. 
XX/XX/year>, I continued to pay the rest i owed of {$4700.00} to pay off my credit card XX/XX/year>, I've received email of Chase credit card statement that i owed {$190.00} for interest charge from my balance {$8700.00} which this amount i don't know where is it from. In the chase statement, my total interest charge in XXXX  is {$1900.00}, this amount is overcharged interest. For example, i supposed if i owe {$10000.00}, my interest rate is XXXX XXXX i owed credit card for 248 days ( since i totally pay off on the XX/XX/XXXX ) so my total interest charge for 248 days in XXXX is around {$1800.00} ( or less ) but they charge me interest of {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX of XXXX  LVNV place this fraud on my account they keep sending Me XXXX  XXXX information but not sending me the chain of title. I dont owe. XXXX  XXXX no XXXX and due to FCRA 605 a 5 section 15 code 1681 they have been accessing my credit report fraudulently for 4 years only with XXXX  they must be paying them because XXXX  revue to help me get the chain of title and proof I have a business signature with their company. I want this debt removed.

Company response to consumer: Closed with explanation