vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX XXXX XXXX, Trans Union, and XXXX for reporting an inaccurate account on my credit report. This company is not the original creditor, and I have no direct contractual relationship with them. My personal information was shared with them without my consent, and they are now reporting a debt that is not valid and should not be on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b and 1681i, I have the right to accurate reporting and to dispute any information that is incorrect. Because XXXX XXXX XXXX XXXX is not the original creditor and has not provided any legally valid documentation to prove this debt is mine, they are in violation of the FCRA. 

Despite multiple disputes, this account continues to be verified and remains on my credit report which is damaging and unlawful. I am requesting that this account be permanently removed from all credit reporting agencies. I do not consent to further verification attempts, as this is not a debt I owe and its reporting is baseless. 

Please assist me in holding XXXX XXXX XXXX XXXX accountable for improper reporting and ensure the immediate deletion of this erroneous entry. 

Thank you for your time and 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 2025-06-07 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: SC

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX XXXX XXXX, XXXX XXXX, and Equifax for reporting an inaccurate account on my credit report. This company is not the original creditor, and I have no direct contractual relationship with them. My personal information was shared with them without my consent, and they are now reporting a debt that is not valid and should not be on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b and 1681i, I have the right to accurate reporting and to dispute any information that is incorrect. Because XXXX XXXX XXXX XXXX is not the original creditor and has not provided any legally valid documentation to prove this debt is mine, they are in violation of the FCRA. 

Despite multiple disputes, this account continues to be verified and remains on my credit report which is damaging and unlawful. I am requesting that this account be permanently removed from all credit reporting agencies. I do not consent to further verification attempts, as this is not a debt I owe and its reporting is baseless. 

Please assist me in holding XXXX XXXX XXXX XXXX accountable for improper reporting and ensure the immediate deletion of this erroneous entry. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Inaccurate Late Payment Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} Disputed Late Payment Month : XX/XX/XXXX Dear Dispute Department Representatives, I am writing to formally dispute the reporting of a late payment for XX/XX/XXXX on my XXXX XXXX XXXX account ( balance : {$2000.00} ), as reflected on my credit reports with Experian, Equifax, and TransUnion. This entry is either inaccurately reported, unverifiable, or not properly documented under federal law and industry reporting standards. I respectfully request that it be permanently deleted from all three of my credit reports. 

Applicable Legal and Reporting Standards : Metro 2 Format Compliance The XXXX XXXX XXXX XXXX ( XXXX ) requires all data furnishers to use Metro 2 coding for accurate payment reporting. If the late payment entry is not backed by timestamped and verifiable recordsespecially under Field XXXX ( Payment History Profile ) and Compliance Condition Code XXXX  for disputed accountsit violates Metro 2 standards and must be removed. 
15 U.S.C. 1681e ( b ) Maximum Possible Accuracy This FCRA provision mandates that consumer reporting agencies ensure the maximum possible accuracy of any item in a consumer report. Reporting a potentially unverified or incorrect late payment is a breach of this obligation.

15 U.S.C. 1681i Reinvestigation of Disputed Information You are legally required to conduct a timely reinvestigation of disputed information and delete any data that is inaccurate or unverifiable within 30 days of receiving the dispute.

Regulation F 12 CFR Part 1006 This regulation under the FDCPA establishes standards for consumer communications and data validation. Failure to provide documented validation of late payments violates these provisions. 

Requested Action : 1. Immediately delete the XX/XX/XXXX late payment for XXXX XXXX XXXX from my credit reports with Experian, Equifax, and TransUnion. 

2. Provide full documentation ( including timestamped payment records ) that supports the accuracy of the reported late payment.

3. Prevent future reinsertion of this late payment unless fully verified, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Confirm in writing the results of your reinvestigation and the final resolution.

If not resolved within the required legal timeframe, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue all legal remedies available under 15 U.S.C. 1681n & 1681o. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am submitting this complaint because several credit reporting agencies and/or creditors have failed to respond to my formal dispute letters within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S. Code 1681i ) .

I submitted written disputes regarding inaccurate or unverifiable information on my credit report, and included all supporting documentation. According to the FCRA, these agencies are required to investigate and respond within 30 days. As of today, I have not received any response or resolution. 

This lack of response violates my rights under federal law, and I am requesting that the CFPB take appropriate action to enforce compliance. I am also attaching copies of the dispute letters I sent, along with proof of mailing and dates, to support my complaint.

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 2025-06-07 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:
These accounts are not mine and are listed below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX Bank XXXX for XXXX XXXX and XXXX late payments on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am prepared to contact XXXX XXXX Firm to explore legal action for damages related to inaccurate credit reporting. 

Key Issues : Inconsistent and Inaccurate Reporting of Late Payments Apple Card/GS Bank has reported multiple late payments inconsistently across different credit bureaus ( TransUnion, Experian, and Equifax ) , which directly violates the FCRAs requirement to report information accurately and uniformly. 

According to the credit report, the following inconsistencies were found : XXXX XXXX Reports a 30-day late payment in XX/XX/year> and a 60-day late payment in XX/XX/year>. 

XXXX : XXXX a 30-day late payment in XX/XX/year> and a 60-day late payment in XX/XX/year>. 

XXXX  : XXXX only a 30-day late payment in XX/XX/year>, with no 60-day late showing for XXXX, and reports the account as Pays account as agreed. 

These discrepancies clearly show that Apple Card/GS Bank has failed to ensure consistent and accurate reporting, which has resulted in significant and unfair damage to my credit profile.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy : Apple Card/GS Bank has violated this provision by reporting inconsistent late payments to different credit bureaus, failing to maintain accurate and complete records.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Investigate Disputes : I have disputed these late payments, but Apple Card/GS Bank failed to conduct a reasonable investigation or provide verified documentation to justify their reporting.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Creditors must not furnish information they knowor have reason to believeis inaccurate. These inconsistencies clearly indicate a lack of proper verification or controls in place. 

Failure to Rectify the Inconsistencies After Dispute Despite my attempts to dispute the inaccurate reporting, Apple Card/GS Bank has failed to correct the inconsistencies or provide legitimate, verifiable proof to support the reported late payments. This failure is a direct violation of the FCRA and has resulted in continued damage to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-07 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My account was suspended XX/XX/year>, the amount of XXXX XXXX PayPal INC refuses to tell me the factor of why my bank account was terminated and will not release my money to me which was for my bills to survive in the world which made it completely impossible to pay this months payment, I am requesting immediate release of my personal money in a timely matter ( XXXX days max )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
After reviewing my credit report, I found some reporting errors on my account from Equifax which was not reported accurately dating back to XX/XX/XXXX, XX/XX/XXXX there was no reporting and XX/XX/XXXX another error. During the period of XXXX and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I was still making on time payments and this report is inaccurate and the attached document shows the inaccuracies from the different reporting agencies. According to the CARES ACT, which was signed into law on XX/XX/XXXX, the law was enacted from XX/XX/XXXX and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis and under these circumstances. Please update this information to PAID/AGREED for the following time frame. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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 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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX : XXXX XXXX XXXX * * * * Balance : {$32000.00} Date Opened : XX/XX/year> ; XXXX XXXX XXXX * * * * Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00}.

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 2025-06-07 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: FL

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX XXXX account number XXXX to your agency. 
( XXXX XXXX XXXX and I believe that entry is inaccurate. The payment in question is identified as " late '', but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FRCA ) and related laws. 
Legal Basis for Dispute : Round one FRCA Under 15 U.S Code 1682a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and to XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit 15 U.S. code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If XXXX XXXX XXXX XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
( List of Late Payment Accounts ) XX/XX/year>, XX/XX/year>, XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your response and investigation that the disputed late payment entry has been 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 non-monetary relief
Consumer complaint received 2025-06-07 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: MI

Complaint narrative:
I am filing a complaint regarding an account reported by XXXX XXXX XXXX account which is inaccurately listed as a revolving account on my credit report. 

This account has been paid in full as of XX/XX/year>, and it should be reflected as closed or paid/settled, not as an open/revolving account. I have contacted the creditor and/or credit bureau regarding this error, but the issue remains unresolved. 

The continued misreporting is impacting my credit utilization and credit score. 
Under the Fair Credit Reporting Act ( FCRA ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a complaint regarding an account reported by XXXX XXXX XXXX account which is inaccurately listed as a revolving account on my credit report. 

This account has been paid in full as of XX/XX/year>, and it should be reflected as closed or paid/settled, not as an open/revolving account. I have contacted the creditor and/or credit bureau regarding this error, but the issue remains unresolved. 

The continued misreporting is impacting my credit utilization and credit score. 
Under the Fair Credit Reporting Act ( FCRA ),

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 2025-06-07 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: GA

Complaint narrative:
I want these accounts removed and deleted off my credit from all these bureaus XXXX Experian, and Equifax. I did not authorize these companies to run my credit. Under Law Section 605b - 1681 c-2 of the Fair Credit Reporting Act this is 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 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
I have tried for years to get this company to fix this I do not have loans or anything with them. The address attached to my phone number was in Illinois, Im in Iowa and have been almost my whole life. Ive sent in ftc reports and as soon as I did with my drivers license they changed the address to mine and basically said too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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