vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
I am filling a complaint regarding my mortgage payments with Shellpoint Mortgage and XXXX XXXX. For months, I have been making regular Mortgage payments of approximately XXXX. These payments were being taking directly from my XXXX XXXX XXXXXXXX account. I have provided the bank statements showing every payment that was withdrawn. 

Despite this, Shellpoint is claiming that I am behind and that I owe XXXX. I have sent over bank statements to them that I was paying them and that XXXX XXXX was taking payments out of my account. I have not heard anything from them. Or any status if they are taking care of the matter. Its extremely stressful, and i feel like I am not being heard. 

I am asking CFPB to help locate where these payments went, Confirm the Mortgage account that these payments were applied to, and correct the account balance. We are also in the process of the selling the house, so this issue needs to be resolved urgently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: UT

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC
State: MA

Complaint narrative:
XXXX  rep was out advised of everything and wanted to do soft credit check which I was ok with said no payments or anything till they measured and started the job never head another word found out greensky had sent emails never signed on their sight, called then and advised of what happened they said they would look into it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: KS

Complaint narrative:
After reviewing my credit reports, I discovered several negative accounts and hard inquiries that are being reported inaccurately, incompletely, and without proper verification. Certain accounts listed as charge-offs do not include any identifying information such as the creditor name, account number, balance, or payment history, making them impossible to validate. XXXX repossession entry reports inconsistent dates and missing documentation, including no proof of sale, deficiency balance, or required notices. Multiple collection accounts appear with no original creditor information, no account numbers, and no itemized balance details, which prevents me from determining whether the debts are legitimate. In addition, my report shows more than XXXX dozen hard inquiries submitted by various auto dealers and lenders in a short period, suggesting that my information was submitted to multiple companies without my authorization. I have attempted to dispute these items, but the companies involved have not provided the required documentation to verify accuracy, ownership, or liability. As a result, inaccurate and unverified information continues to harm my credit profile.

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 2025-11-13 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating XXXX5 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-13 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: OR

Complaint narrative:
Review the materials provided ; the inquiries happened without notice and may be unapproved.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
My auto loan with XXXX XXXX was paid in full and in good standing on XX/XX/year>. I received a payoff letter from their company confirming that the account was fully satisfied. 

Despite this, XXXX froze reporting on my account, and no update showing Paid in Full or Closed Paid as Agreed was sent to the credit bureaus ( XXXX, XXXX, and XXXX  ). This inaccurate reporting caused my XXXX XXXX to drop by approximately XXXX points, and all of my revolving creditors subsequently reduced my credit limits. 

XXXXXXXX XXXX  actions directly caused : A significant XXXX XXXX reduction and loss of available credit. A higher interest rate on my credit cards. Unnecessary time, stress, and reputational harm as I worked to identify and correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am disputing the following accounts as they appear on my Equifax credit report. I believe these accounts may contain inaccuracies or incomplete information, and I request that they be thoroughly investigated and corrected as necessary. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports and noticed multiple errors that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. 

There are collection accounts being reported that have never been properly verified or validated. The companies reporting them have not provided original documentation or proof of ownership, and some of the information listed including balances, dates, and payment history is completely inaccurate. These accounts are not following proper Metro 2 data field requirements and are being reported unfairly. 

I also found several accounts showing late payments that are false and do not reflect my real payment history. These negative marks are damaging my credit and are being reported inconsistently across all three bureaus. On top of that, there are hard inquiries listed that I never authorized, and some are not connected to any active or approved accounts, which is a direct violation of FCRA 604 ( a ). 

Ive already disputed these items with the credit bureaus and the companies reporting them, asking for full validation and correction. However, the same inaccurate information remains. These errors are clearly causing harm to my credit profile and go against federal law. 

I am requesting a full reinvestigation of these accounts, permanent removal of any unverifiable or inaccurate information, deletion of unauthorized inquiries, and immediate updates across all three credit bureaus to reflect accurate and compliant data.

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 2025-11-13 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: OH

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports and noticed multiple errors that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. 

There are collection accounts being reported that have never been properly verified or validated. The companies reporting them have not provided original documentation or proof of ownership, and some of the information listed including balances, dates, and payment history is completely inaccurate. These accounts are not following proper Metro 2 data field requirements and are being reported unfairly. 

I also found several accounts showing late payments that are false and do not reflect my real payment history. These negative marks are damaging my credit and are being reported inconsistently across all three bureaus. On top of that, there are hard inquiries listed that I never authorized, and some are not connected to any active or approved accounts, which is a direct violation of FCRA 604 ( a ). 

Ive already disputed these items with the credit bureaus and the companies reporting them, asking for full validation and correction. However, the same inaccurate information remains. These errors are clearly causing harm to my credit profile and go against federal law. 

I am requesting a full reinvestigation of these accounts, permanent removal of any unverifiable or inaccurate information, deletion of unauthorized inquiries, and immediate updates across all three credit bureaus to reflect accurate and compliant data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-11-13 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: CA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed.

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 2025-11-13 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate accounts, inquiries, and late payment entries listed on my credit reports with the XXXX major credit bureaus. Below, I have separated the disputes by bureau, including the relevant details. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Aidvantage refuses to issue a goodwill adjustment or provide written clarification needed for a mortgage rapid rescore. The delinquency was paid as soon as discovered, and I am requesting a courtesy review as permitted under FCRA Once repayment went out of forebarance, I was unaware, therefore it reported XXXX late payments. After this was discovered, this account was paid off right away ( in full ). I submitted and contacted Aidvantage to get a letter because I am in process of a morgage and this is the only thing affecting my credit. they denied my first request and now i cant get in touch with someone as i need this quickly for my morgage lender. if we did a rapid rescore this would take my XXXX XXXX from XXXX to XXXX - this should tell you something! I have NEVER been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On the XXXX of XXXX I sent Apple Pay the full {$1000.00}. On the app it stated pay in full by the XXXX to avoid interest of {$47.00}. XX/XX/XXXX, I received a notice that {$47.00} was applied to my account. I called them immediately. They said it was due to trailing interest of {$8.00} that was en route? I wasn't notified about this route or I would have paid it. Looking into it, I found that the {$8.00} was a refund from a supermarket that had overcharged me. Apple refused to refund the interest. They claimed that on XX/XX/2025 they had already refunded me the interest I complained about then, so they couldn't help me. Well on XX/XX/2025 I also paid in full on the XXXX and was charged interest in XXXX. 
What is trailing interest and how is Apple allowed not to inform about this so the cardholder can make a payment?? Also since the {$8.00} was a refund not a purchase how can they get away with this nefarious practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my credit reports with the XXXX major credit bureaus TransUnion as outlined below. Please investigate these discrepancies, as they do not accurately reflect my credit history. Below are the details of the disputed accounts : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-13 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: UT

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error 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 2025-11-13 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 am a consumer seeking assistance in resolving discrepancies on my credit report across the XXXX major credit bureaus. Below are the accounts in dispute, separated by bureau, along with the relevant details : XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NM

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my XXXX XXXX and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem XXXX the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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