vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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 2025-07-29 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: IL

Complaint narrative:
Ive uploaded everything to the CFPb for them to investigate

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. 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 non-monetary relief
Consumer complaint received 2025-07-29 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-29 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: MI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-29 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership : XXXX XXXX XXXX XXXX  Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update.XXXX  XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update.XXXX : Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and XXXX XXXX  : Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update. 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update. XXXX XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Can you delete this ASAP and send me and update.

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 2025-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Please be advised that XXXX XXXXCapital One has an account opened in my name. There was a purchase made on XX/XX/XXXX in the amount of {$1100.00}. I advised XXXX XXXX that this was not an authorized purchase and to cancel that order. The order was NEVER sent out. I never received that order. However, the charge was still made to the account. This is inaccurate and should be removed from my account. The account is closed as I agreed with XXXX XXXX  to do. I have made payments on the account until this was rectified. But they have yet to fix this problem. I do NOT owe the balance. I want this removed immediately. The fraud department called me and advised that they were closing the account. It appears that the account is closed, but they are sending me a bill that is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXX, CA XXXX Address Law Issue : FCRA 611 and 607 ( b ) require accurate and verifiable information Story : I have never lived at this address. Reporting this location is misleading and affects my creditworthiness Request : Please delete this address from my credit profile XXXX XXXX XXXX, CA XXXX Address Law Issue : FCRA 611 mandates reporting only complete and verifiable information Story : This address is unknown to me and was never associated with any financial account I own Request : Delete this address from my file immediately XXXX XXXX XXXXXXXX XXXX XXXX  Late Payment * * Law Issue : FCRA 607 ( b ) and 611 require accuracy and prompt reinvestigation Story : I was enrolled in forbearance during this period, so any reported delinquency is inaccurate Request : Remove the late payment and update the account history accurately XXXX XX/XX/year>2024 Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) restricts hard inquiries without permissible purpose Story : I did not authorize this lender to access my report Request : Remove this unauthorized inquiry from my credit file These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This morning, I saw some incorrect accounts listed on my credit report, and Im unsure of the reason. I check my report regularly, but this time I noticed some unexpected discrepancies. I even refreshed my browser thinking it could be a temporary error, but the inaccurate accounts were still there. Im now asking that the documents I provided be reviewed carefully so I can stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I've been disputing a recurringchargeon my Apple Card with Goldman Sachs from XXXX XXXX XXXX XXXX XXXX. I have provided them with the same evidence each time yet they only sided with me on one charge and sided with the merchanton the other two. I have shown that not only is the charge attempting to be processed throughmy debit and credit card before finally beingprocessed on my Apple Card. Not to mention my Apple Card wasused ONE time by my daughter onthis merchant 's site and the information was not saved. All the evidencehas been provided yet somehow it's been overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On or around XX/XX/scrub> 2025, Experian reported a 60-day late payment on an auto loan account from XXXXXXXX ( account ending in XXXX ). This late mark caused a significant drop in my credit scores : XXXX XXXX Score : Dropped by XXXX points XXXX Auto Score ( used by auto lenders ) : Dropped by XXXX points I immediately disputed the inaccuracy, as the account had been paid in full and closed months prior. The dispute was completed on XX/XX/year>, and Experian updated the account to reflect Paid, Closed/Never Late. This means the negative item was incorrect and fully removed, which is appreciated. 

However, my XXXX XXXX score only recovered XXXX points, and my XXXX XXXX score remains severely impacted, despite the correction. I am concerned that the scoring model did not properly update or that a residual flag ( such as a dispute remark or suppressed data ) is still suppressing my scores. 

I am requesting that Experian : Conduct a full manual recalculation of my credit score based on the corrected report.

Confirm that no residual dispute codes or suppressions remain on the account.

Provide a written explanation if the corrected account still leads to reduced scores.

This inaccurate report and the delayed score recovery have potentially impacted my ability to qualify for favorable financing terms. I have attached screenshots of the score drop, dispute confirmation, and corrected account for review.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-29 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: MI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE # 8 ATTEMPT # 8 This is my 8th formal notice to Experian regarding their willful and repeated violations of the Fair Credit Reporting Act, specifically FCRA 605B and 605C. Despite providing a valid police report and notarized affidavit, Experian continues to report accounts tied to financial coercion and XXXX, in direct violation of the 4-business-day block requirement under 605B ( c ).

Experian has also failed to provide verification or reinvestigation documentation as required under 611, and continues furnishing false data in violation of 623 ( a ) ( 1 ) ( A ). Their actions amount to reckless disregard of my rights as a protected survivor under federal law.

They have ignored 7 prior letters, state AG complaints, and CFPB filings, and are now in recorded violation of multiple provisions of the FCRA, FTC guidance, and possible civil conspiracy by continuing to furnish inaccurate data with notice of harm.

So far, Experian is in recorded violation of : FCRA 605B ( Failure to block identity theft items within 4 days ) FCRA 605C ( Failure to block due to XXXX-related identity misuse ) FCRA 605A ( Failure to properly honor fraud alert/security freeze protections ) 15 U.S.C. 1681s-2 ( b ) ( Failure to investigate disputed accounts accurately ) 15 U.S.C. 1681h ( e ) ( Civil liability for negligent/willful noncompliance ) Each denial or delay is being documented and escalated to : CA STATE BAR The CFPB DOJ AGs of FL, CA, TX, MN, NV Legal ethics authorities

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
This happened after using the Cash app pay plugin in the Door Dash app. I have repeatedly told customer service this was not ok and all the money I have, they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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