vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / Experian / TransUnion Subject : Formal Dispute Inaccurate Charge-Off Reporting XXXX XXXX Account Number : XXXX Dear Equifax/Experian/Trans Union, I am writing to formally dispute the reporting of a negative status on my credit file for the above-mentioned XXXX XXXX account. The account is listed as Legally paid in full for less than the full balance, with a {$0.00} balance and no late payments, but it is still being reported with a Collection/Charge-Off status and a worst rating of Collection Chargeoff.

This information is inconsistent and misleading, especially considering that the debt has been resolved with no remaining balance and no history of late payments reported. I have previously disputed this issue on XX/XX/XXXX, and again on XX/XX/XXXX, but have not received proper verification or correction.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Provide complete documentation verifying the accuracy of the reported charge-off, including : o Proof of the original delinquency, o Payment records showing resolution of the account ; 2. If you can not verify the validity of this charge-off status, I respectfully request that the negative information be deleted or updated to reflect a neutral or Paid Settlement status without charge-off ; 3. Provide me with a written response outlining your reinvestigation results and send a corrected copy of my credit report.

This negative mark is unfairly affecting my credit report despite the account showing as settled and closed with no past-due balance or payment delinquencies. If unresolved, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further actions under the FCRA.

Thank you for your prompt handling of this matter. I expect resolution within the required 30-day timeframe. 
Sincerely, 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 2025-06-25 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OK

Complaint narrative:
Back in XX/XX/year>, my wallet was stolen at a park. I didn't think anything of it and never had a real reason to check my credit score since I pay for everything in cash. Recently, I've been wanting to purchase a house for my fianc and new baby on the way, and decided to look at my credit score. I was surprised at all of the activity that has occurred, which wasn't done by me. I was also in a few data breaches in XXXX, one of the bigger ones was Equifax. I have a report with the Federal Trade Commission that I will attach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: OK

Complaint narrative:
Back in XX/XX/year>, my wallet was stolen at a park. I didn't think anything of it and never had a real reason to check my credit score since I pay for everything in cash. Recently, I've been wanting to purchase a house for my fianc and new baby on the way, and decided to look at my credit score. I was surprised at all of the activity that has occurred, which wasn't done by me. I was also in a few data breaches in XXXX, one of the bigger ones was Equifax. I have a report with the Federal Trade Commission that I will attach.

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 2025-06-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$7400.00} XXXX  # XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$350.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$120.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-25 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-25 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: FL

Complaint narrative:
I am submitting this complaint regarding an auto loan account reported by XXXX XXXX XXXX ( Account # XXXX ). The account was closed on XX/XX/XXXX, shows a {$0.00} balance, and is being reported as Paid, was past due 90 days. The payment history lists 4 late payments of 30 days, 2 of 60 days, and 1 of 90 days, which I believe to be inaccurate and unverified. 

I have disputed this information multiple times with the credit bureaus ( on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX ), specifically requesting : Complete statements and records showing when these alleged late payments occurred ; Proper proof of the negative payment status. 

To date, no documentation or validation has been provided by XXXX XXXX XXXX or the credit reporting agencies. The continued reporting of these late payments violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and verifiable. 

Therefore, I respectfully request that : The late payments be removed from this accounts credit reporting history, or The entire account be deleted if the furnishers are unable to verify the information as required under federal law. 

This negative status is continuing to unfairly impact my credit despite the account being paid and closed for over 5 years. I request the CFPB investigate this matter and ensure the information is corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am submitting this complaint regarding an auto loan account reported by XXXX XXXX XXXX ( Account # XXXX ). The account was closed on XX/XX/XXXX, shows a {$0.00} balance, and is being reported as Paid, was past due 90 days. The payment history lists 4 late payments of 30 days, 2 of 60 days, and 1 of 90 days, which I believe to be inaccurate and unverified. 

I have disputed this information multiple times with the credit bureaus ( on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX ), specifically requesting : Complete statements and records showing when these alleged late payments occurred ; Proper proof of the negative payment status. 

To date, no documentation or validation has been provided by XXXX XXXX XXXX or the credit reporting agencies. The continued reporting of these late payments violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and verifiable. 

Therefore, I respectfully request that : The late payments be removed from this accounts credit reporting history, or The entire account be deleted if the furnishers are unable to verify the information as required under federal law. 

This negative status is continuing to unfairly impact my credit despite the account being paid and closed for over 5 years. I request the CFPB investigate this matter and ensure the information is corrected or 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 2025-06-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 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: FL

Complaint narrative:
I am submitting a complaint regarding an account with XXXX XXXX ( Account # XXXX ), which is currently being reported on my credit report as charged off with multiple late payments and a balance of {$3700.00}. 

The account was opened on XX/XX/XXXX, closed on XX/XX/XXXX, and last reported on XX/XX/XXXX. The payment history shows : 1 late payment at 30 days 1 late payment at 60 days 3 late payments at 90 days A worst rating of " Collection Chargeoff '' Despite this, the account reflects a {$0.00} past due balance and a status of " Closed/Charge-off ''. 

I previously disputed this account on multiple occasions, including : XX/XX/XXXX : Requested validation of charge-off and late payment data ; XX/XX/XXXX : Notified that the account shows {$0.00} due but still reports as charged off with derogatory status ; My concern is that XXXX XXXX has not provided verification of the alleged late payments or evidence that this debt remains legally owed. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to the credit bureaus be complete, accurate, and verifiable. 

I am formally requesting : That XXXX  XXXX produce documentation verifying the account was correctly charged off, including all monthly statements and records of missed payments ; That the charge-off balance and payment history be corrected if no such documentation is available ; That the derogatory information be removed or suppressed from my credit file if it can not be substantiated. 

The continued reporting of this account in its current form is damaging my credit profile and does not appear to be fully verified. I am asking for the CFPB 's assistance in investigating this matter and ensuring XXXX XXXX is reporting information lawfully and accurately.

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 2025-06-25 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-25 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 non-monetary relief
Consumer complaint received 2025-06-25 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: PA

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 2025-06-25 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: FL

Complaint narrative:
I am submitting this complaint regarding a closed auto loan account with XXXX XXXX XXXX ( Account # XXXX ), which is incorrectly reporting a 30-day late payment on my credit file. 
This account was paid and closed on XX/XX/XXXX, and shows a {$0.00} balance, yet the credit reporting includes a negative payment status marked as Paid, was past due 30 days. There is no record of ongoing delinquency, and I have no supporting documentation from the creditor that substantiates this derogatory entry. 
I have disputed this account multiple times with the credit bureaus ( on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX ), each time requesting statements and payment history records showing when this supposed delinquency occurred. I have not received any validation or evidence confirming the accuracy of this negative item. 
Per the Fair Credit Reporting Act ( FCRA ), I request that : The late payment be removed from this account reporting, or The account be fully deleted from my credit file if the creditor can not provide evidence of delinquency. 
This information is outdated, inaccurate, and is having a continued unfair impact on my credit history. I am requesting the CFPB assist with holding the furnisher and reporting agencies accountable for failing to verify and correct this dispute.

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 2025-06-25 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: VA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have been facing serious issues with Chime, as they have been charging my account over {$1000.00} every month in service fees, seemingly deducting money as if they were crediting me. Despite not having a credit card with them, I raised my concerns, but their responses were always defensive and unhelpful. In the end, they closed my account without my permission, transferring {$5900.00} to an account I know nothing about. I have repeatedly requested my funds back, yet I still have not received a refund. This situation is frustrating and unacceptable.I am writing to kindly request a refund of the amount of XXXX that was recently deposited into my account but has unfortunately not reflected in my available balance. This situation has caused some concern, as I was expecting the funds to be accessible for my personal use. Additionally, I would like to address a separate issue regarding a transfer of XXXX that appears to be pending. I appreciate your attention to these matters and understand that occasional discrepancies can occur in financial transactions. I trust that you will assist me in resolving these issues promptly. I am hopeful for a swift resolution, as these funds are quite important to me. Thank you for your cooperation and support in this matter ; I look forward to your response so we can ensure everything is set right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IN

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

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 2025-06-25 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: TX

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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Apple Card / GS Bank USA Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute Request for Debt Validation and Deletion under FCRA & FDCPA To Whom It May Concern, I am writing to dispute the accuracy and verifiability of the Apple Card account ( ending in XXXX ) you are reporting to the credit bureaus. This account has been marked as a charge-off with a balance of {$1600.00}, which has not changed since XX/XX/year>. 

Under FCRA 1681s-2 ( b ) and FDCPA 809 ( 15 U.S.C. 1692g ), you are required to validate this debt and prove legal ownership and enforceability.

Company response to consumer: Closed with non-monetary relief