vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
: Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
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 2025-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX bank XXXX illegally breaking the Credit Card Act of XXXX passed by then XXXX XXXX Obama which XXXX that a customer has the right to apply all amounts in excess of a minimum payment to the highest interest amount on the account. On XX/XX/XXXX I made a non promotional purchase for {$690.00}. On XX/XX/XXXX I made a payment for {$810.00} to cover the {$690.00} purchase along with more then enough to cover my minimum monthly payment amount of only {$57.00}. On the same day I called XXXX and lawfully requested that they apply the excess of my miniumum payment to pay off the entire amount of my non promotional balance of {$690.00}. 

However on XX/XX/XXXX XXXX sent me a letter with false information stating that " if the payment is made within the last XXXX months of a promotional balance expiring then any excess has to be applied towards the promotional balance '' However this is a error as my promotional balance doesn't expire until XX/XX/XXXX which is much more than XXXX months away. I called XXXX to state this mistake and error and they have not done anything about it and I still have a non promotional balance that I am paying interest on illegally. I have attached the following documents as proof. 

XXXX ) Satement from XXXX which shows my payment of {$810.00} and also my promotional balances which both dont expire until XXXX. 
XXXX ) The letter from XXXX XXXX which states that they are not applying the payment to the non promotional amount because it is within XXXX months of the promotion expiring. 

What XXXX is doing is against the law and they need change what has occurred.

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 monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I recently became aware that Nelnet, the current servicer of my student loan, is actively involved in a lawsuit regarding a significant data breach that compromised the personal and financial information of millions of borrowers. As a result, I am gravely concerned about the integrity, accuracy, and security of the data being reported by Nelnet on my credit file. 
Due to the ongoing investigation and lawsuit regarding Nelnets mishandling of sensitive personal informationincluding names, Social Security numbers, account details, and financial dataI am formally requesting : An immediate investigation into the legitimacy, accuracy, and security of this account. 


The temporary or permanent removal of this account from my credit file pending investigation, in accordance with the Fair Credit Reporting Act ( FCRA ), which gives consumers the right to dispute any inaccurate or questionable information on their credit reports. 


Verification of Nelnets authority and accuracy in reporting this debt, especially in light of the active data breach, which may have resulted in unauthorized activity or identity compromise. 


I have enclosed a copy of my government-issued ID and a utility bill for identity verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX WAS THE LENDOR ON XXXX XXXX TRUCKS WE PURCHASED FOR OUR BUSINESS, SPAY NEUTER IMPERATIVE PROJECT CALIFORNIA. WHEN PURCHASED FROM XXXX, THE DEALERSHIP FAILED TO PROVIDE MY CORRECT MAILING ADDRESS, THUS I NEVER RECEIVED THE BILLING STATEMENTS. I NEVER RECEIVED ANY NOTICE FROM XXXX XXXX XXXX AND INSTEAD WAS REPORTED " late '' TO THE CREDIT BUREAUS. I SUBSEQUENTLY PAID THE LATE PAYMENTS BUT TD AUTO WOULD NOT REMOVE THE DELINQUENCY. 

THE EXACT SAME THING TRANSPIRED WITH XXXX XXXX XXXX XXXX. THE XXXX DEALERSHIP FAILED TO INCLUDE MY MAILING ADDRESS AND I WAS " late '' XXXX MONTHS. I SUBSEQUENTLY PAID THE LATE PAYMENTS BUT XXXX XXXX  WOULD NOT REMOVE THE DELINQUENCY. 

MY CREDIT HAS ALWAYS BEEN IMPECCABLE AND THIS REPORTING HAS CAUSED MY CREDIT SCORES TO BE DAMAGED IMMENSELY.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Several companies have accessed my credit report without my authorization, directly harming both my credit and credit score. I previously raised this issue with the credit reporting agency, and a representative assured me these unauthorized inquiries would be removed. Despite this, they remain on my report. These inquiries are unauthorized, potentially fraudulent, and raise serious concerns about identity theft. 
This matter is not only unacceptable but also damaging to my financial reputation and mental well-being.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email from Bank of America on XX/XX/XXXXstating my personal checking and savings account is being closed. No information was provided to explain this decision. Then later I received a letter in the mail stating my credit card accounts are being closed. All of my accounts have been open for decades and there have never been any issues. I am an average employed individual who maintains integrity in everything I do. 
There have been no fraud, bounced checks or any other unscrupulous activity to warrant this decision. 

The bank refuses to provide a viable reason for the closures, in addition to stating they will not reverse the decision.

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 monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-17 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: NJ

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed some accounts have wrong late payment marks. These accounts should not show any late payments. Please remove these remarks and update the accounts to show positive status as agreed.

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 2025-06-18 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-18 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXXB. 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 explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit XXXX XXXX XXXX  / Line of Credit To whom it may concern, I am formally disputing the accuracy and continued reporting of the account listed under the name XXXX XXXX on my XXXX credit report. 

The account in question has been closed and was charged off with a minimal balance of {$68.00}. Despite its closure and disputed status, it continues to negatively affect my credit profile and score. According to the Fair Credit Reporting Act ( FCRA ), all items on a credit report must be accurate, complete, and verifiable. This account fails to meet that threshold for the following reasons : 1. The balance of {$68.00} was written off, and there has been no new activity since XX/XX/XXXX. 
2. The account is being reported with inconsistent payment data post-closure, which misrepresents its current status. 
3. The reporting continues to reflect derogatory payment history despite being in reinvestigation status and closed by the credit grantor. 

I demand this account be deleted from my credit report due to the inaccurate and outdated reporting. I have attached supporting screenshots and documentation for your reference. 

Please conduct a full reinvestigation in accordance with XXXX U.S.C. XXXXi and confirm the deletion of this tradeline from my report within the timeframe allowed by law. A written confirmation of the results is expected. 

Thank you for your immediate attention. 

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 2025-06-18 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: CBC Companies, 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 XXXX XXXX XXXX XXXX. 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 XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
On XX/XX/scrub> 2025, the XXXX XXXX XXXX for XXXX XXXX, Florida, entered a Default against TransUnion LLC in case number XXXX due to their failure to timely verify or remove inaccurate information from my credit file. Specifically, TransUnion continues to report two unvalidated collections ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) despite my detailed disputes and their failure to properly validate these accounts. 

XXXX XXXX XXXX XXXX refused validation as required by FDCPA 809 ( b ) and FCRA 611, unlawfully demanded additional identity-theft documentation beyond my valid FTC Identity-Theft Report ( Report # XXXX ), and continues reporting the disputed debt. 

XXXX XXXX XXXX also appeared without proper validation on XX/XX/year>2025, negatively impacting my credit. 

Due to TransUnions ongoing inaccurate reporting and noncompliance with the Fair Credit Reporting Act ( FCRA ), I have suffered substantial financial harm, including the denial of a critical {$150000.00} business loan and other financing opportunities. Despite being notified of the court-entered Clerks Default and the absence of proper validation from the debt collectors, TransUnion has taken no action to delete these inaccurate trade-lines. 

Requested CFPB action : Require TransUnion to immediately delete the disputed and unverified accounts ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). 

Investigate and address TransUnions systemic noncompliance with dispute and validation obligations under the FCRA.

Inform me promptly of TransUnions response, and confirm the deletions. 

I reserve all rights for further legal action and damages against TransUnion for their willful noncompliance.

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 2025-06-18 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 have contacted the credit bureaus to help me create fraud alerts on my account and that did happen but also needed assistance in removing these accounts and inquiries that do not belong to me. I am a victim of identity theft and It is hindering me. Some of which there are addresses, inquiries, collections and accounts along with addresses I've never lived at including but not limited to the state of Georgia. I am a resident of Texas and my address has been XXXX XXXX XXXX in Texas city Texas XXXX. My only occupancy is " XXXX the Stylist '' INACCURATE ADDRESSES : - XXXXXXXX XXXX XXXX, XXXX, GA - XXXX XXXX XXXXXXXX XXXX XXXX, GA - XXXX XXXX XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX Texas XXXX, TX - XXXX XXXX XXXX, XXXX XXXX, TX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX INCORRECT EMPLOYMENT : - XXXX XXXX XXXX - Texas Department of Criminal Justice ( TDC ) NEGATIVE ITEMS TO BE DISPUTED : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : * XXXX - {$350.00} Collection - XXXX  XXXX -Account Number : * XXXX days late, {$620.00} past due - XXXX XXXX XXXX XXXX XXXX Account Number XXXX * XXXX - XXXX days late, {$1400.00} past due - XXXX XXXX  XXXX ) - Account Number XXXX * XXXX days late, {$370.00} past due - XXXXXXXX XXXX XXXXXXXX ( XXXX ) -Account Number : * XXXX XXXX XXXX {$570.00} - XXXX  XXXX XXXX -Account number XXXX Paid/Closed, previously XXXX  days late XXXX XXXX XXXX  - Account Number : * XXXX |Open account, {$610.00} past due UNAUTHORIZED HARD INQUIRIES : - XXXX  - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX  XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 have contacted the credit bureaus to help me create fraud alerts on my account and that did happen but also needed assistance in removing these accounts and inquiries that do not belong to me. I am a victim of identity theft and It is hindering me. Some of which there are addresses, inquiries, collections and accounts along with addresses I've never lived at including but not limited to the state of Georgia. I am a resident of Texas and my address has been XXXX XXXX XXXX in Texas city Texas XXXX. My only occupancy is " XXXX the Stylist '' INACCURATE ADDRESSES : - XXXXXXXX XXXX XXXX, XXXX, GA - XXXX XXXX XXXXXXXX XXXX XXXX, GA - XXXX XXXX XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX Texas XXXX, TX - XXXX XXXX XXXX, XXXX XXXX, TX - XXXX XXXX XXXX XXXX XXXX, XXXX, TX INCORRECT EMPLOYMENT : - XXXX XXXX XXXX - Texas Department of Criminal Justice ( TDC ) NEGATIVE ITEMS TO BE DISPUTED : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : * XXXX - {$350.00} Collection - XXXX  XXXX -Account Number : * XXXX days late, {$620.00} past due - XXXX XXXX XXXX XXXX XXXX Account Number XXXX * XXXX - XXXX days late, {$1400.00} past due - XXXX XXXX  XXXX ) - Account Number XXXX * XXXX days late, {$370.00} past due - XXXXXXXX XXXX XXXXXXXX ( XXXX ) -Account Number : * XXXX XXXX XXXX {$570.00} - XXXX  XXXX XXXX -Account number XXXX Paid/Closed, previously XXXX  days late XXXX XXXX XXXX  - Account Number : * XXXX |Open account, {$610.00} past due UNAUTHORIZED HARD INQUIRIES : - XXXX  - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX  XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XX/XX/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 non-monetary relief