vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-14 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting and XXXX XXXX failure to properly investigate my mailed dispute/goodwill request for my XXXX XXXX XXXX account ending in XXXX. 
XXXX XXXX is reporting multiple XXXX late payments ( including XXXX, XXXX, and XX/XX/year> ) that are not supported by my billing statements or payment records. 
For example : My XX/XX/year> statement shows payments posted on XX/XX/XXXX and XX/XX/XXXX before the XX/XX/XXXX due date. This month should not be reported late at all. 
My XX/XX/year> payment posted on XX/XX/XXXX. Even though it was late, it was not 30 days late, and does not meet the FCRA threshold for a XXXX delinquency. 
My XX/XX/year> payment posted on XX/XX/XXXX, which is also not 30 days late, and there is no evidence in my statements that I was XXXX days past due at any time. 
My billing statements do not show any past-due amounts rolling over for XXXX days, and XXXX XXXX has not provided verification that any payment posted XXXX days after the due date. 
This means the late payment reporting is inaccurate, unverified, and not in compliance with the Fair Credit Reporting Act ( FCRA ). 
Additionally, I experienced a severe medical hardship when my daughter was born at XXXX weeks and spent 5 months in the XXXX after multiple surgeries. I temporarily lost my income during this period while caring for her. This caused a short period of financial strain, but before and after this medical emergency, I maintained perfect payment history. 
I mailed XXXX XXXX a written request explaining the situation and asking for an investigation and consideration. XXXX XXXX responded with a generic, automated denial letter that did not review my circumstances, did not address any of the documented inaccuracies, and did not verify the reporting as required under the FCRA. 
I am requesting the XXXX assistance because Capital XXXX : Did not validate the late payments, Did not address the inaccurate XXXX reporting, Did not conduct an individualized investigation, and Provided a template response that did not consider my documentation or hardship. 
I am requesting that XXXX XXXX : XXXX a full XXXX investigation, Provide proof of any true XXXX delinquencies, And update or remove the inaccurate late payments accordingly. 
These late marks are severely impacting my credit despite my long history of responsible account management. 
Thank you.

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 2025-11-14 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting and XXXX XXXX failure to properly investigate my mailed dispute/goodwill request for my XXXX XXXX XXXX account ending in XXXX. 
XXXX XXXX is reporting multiple XXXX late payments ( including XXXX, XXXX, and XX/XX/year> ) that are not supported by my billing statements or payment records. 
For example : My XX/XX/year> statement shows payments posted on XX/XX/XXXX and XX/XX/XXXX before the XX/XX/XXXX due date. This month should not be reported late at all. 
My XX/XX/year> payment posted on XX/XX/XXXX. Even though it was late, it was not 30 days late, and does not meet the FCRA threshold for a XXXX delinquency. 
My XX/XX/year> payment posted on XX/XX/XXXX, which is also not 30 days late, and there is no evidence in my statements that I was XXXX days past due at any time. 
My billing statements do not show any past-due amounts rolling over for XXXX days, and XXXX XXXX has not provided verification that any payment posted XXXX days after the due date. 
This means the late payment reporting is inaccurate, unverified, and not in compliance with the Fair Credit Reporting Act ( FCRA ). 
Additionally, I experienced a severe medical hardship when my daughter was born at XXXX weeks and spent 5 months in the XXXX after multiple surgeries. I temporarily lost my income during this period while caring for her. This caused a short period of financial strain, but before and after this medical emergency, I maintained perfect payment history. 
I mailed XXXX XXXX a written request explaining the situation and asking for an investigation and consideration. XXXX XXXX responded with a generic, automated denial letter that did not review my circumstances, did not address any of the documented inaccuracies, and did not verify the reporting as required under the FCRA. 
I am requesting the XXXX assistance because Capital XXXX : Did not validate the late payments, Did not address the inaccurate XXXX reporting, Did not conduct an individualized investigation, and Provided a template response that did not consider my documentation or hardship. 
I am requesting that XXXX XXXX : XXXX a full XXXX investigation, Provide proof of any true XXXX delinquencies, And update or remove the inaccurate late payments accordingly. 
These late marks are severely impacting my credit despite my long history of responsible account management. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

Chapter XXXX bankruptcy XXXX XXXX XXXX  XXXX XXXX Balance {$3800.00} XXXX XXXX Balance {$360.00} XXXX XXXX Balance {$2000.00} XXXX  XXXX Balance {$3200.00} XXXX XXXX Balance {$8300.00} XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$49000.00} XXXX XXXX Balance {$240000.00} XXXX XXXX Balance {$1700.00} XXXX Inquiry Date XX/XX/year> XXXX Inquiry Date XX/XX/year> XXXX Inquiry Date XX/XX/year> 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 2025-11-14 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-14 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: AZ

Complaint narrative:
Ensure all disputed accounts are purged in accordance with governing legal deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MD

Complaint narrative:
Subject : FORMAL DISPUTE : Identifying Information Mix-Up with Deceased Father ( Account No. XXXX ) Dear Sir or Madam, I am writing to formally dispute an item appearing on my credit report. This is a clear case of a " mixed credit file '' or mistaken identity with my deceased father, XXXX XXXX XXXX. 

The disputed collection item is as follows : Creditor Name : VANCE & HUFFMAN LLC Original Creditor : XXXX XXXX Account Number : XXXX Account Type : Collection Account This account does not belong to me, XXXX XXXX XXXX. The debt belongs to my deceased father, XXXX XXXX XXXX. I am not a co-signer, joint account holder, or responsible party for this debt. 

I demand that you immediately investigate this error and validate that the debt belongs specifically to me, XXXX XXXX XXXX. I require verifiable proof ( validation ) that this account was opened using my unique Social Security Number, date of birth, and identifying information, and not that of XXXX XXXX XXXX. 

If you can not provide concrete, verifiable proof that this account is mine, you must immediately delete the account ( XXXX ) from my credit report. 

Please provide me with the results of your investigation within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I have a XXXX card and I made a purchase with 0 % interest for 18 months. I pay my credit card every single week. When I log in online I can only see the total amount of charges ( ie promotional charge and others ). I can not see the amount I owe for other purchases vs the promotional charges online. I also have no way to separate payments when I go to make a payment. Since I couldn't see that information online I didn't know that the " other '' charges were due to prevent interest payments. I asked them how I would have known this and they said I would have to download a pdf to read the statement. I still however don't have an option to separate payments for " other '' charges vs the promotional payment. I consider this to be fraud. I need to be able to clearly see the separate charges and payments due. XXXX admitted to this on a chat I had with them on XX/XX/year>. i shouldn't have to download a pdf statement to know what to pay. Even if I did know what to pay, there's no way to make separate payments. They said they did everything by the book but If I'm a consumer making payments online I need to see all the details and be able to make separate payments. This is not possible.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I am submitting a formal complaint and escalation regarding an unresolved balance transfer of {$1700.00} that I initiated on XX/XX/year>, from my XXXX credit card to my Chase credit card. 

Chase posted the {$1700.00} balance transfer amount to my Chase account, but never sent the funds to XXXX. I have confirmed multiple times with XXXX that no payment was ever received or even pending. 

Since then, I have raised three separate escalations with Chase, each time being told to wait another 30 days with no proof of payment, trace number, or confirmation of funds sent. Most recently, I was informed a fourth escalation would take up to another 30 days. 

As a result of Chases failure to complete the transfer : I am carrying a balance on both XXXX and Chase, I am paying interest and minimum payments on two cards, My credit utilization ratio has increased, leading to a lower credit score, And this situation has caused significant financial stress. 

I have been patient for over two months and have followed every instruction provided by your representatives. At this point, I am requesting this matter be escalated directly to Chases XXXX XXXX or XXXX XXXX XXXX for immediate resolution. 

Please provide written confirmation of the following : Proof that the {$1700.00} was actually sent to XXXX ( including the date, method, and transaction ID ). 

If it was not sent, confirmation that Chase will immediately correct or resend the transfer. 

Reversal or credit of any interest and fees resulting from this issue. 

Confirmation that any credit reporting or utilization impact will be corrected once resolved. 

For your awareness, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the lack of progress despite multiple escalations. 

I expect written acknowledgment and a direct update from the XXXX XXXX  team within 5 business days. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
phone call caused me to approve a purchase of a gift card for {$990.00}. I was told this would never come out of my account, but the credit card company told me it will because I approved it and they can do nothing about it. This occurred on XX/XX/scrub>XXXX XXXX XXXX 
I talked to the credit card company and they directed me to the FTC and I was passed on to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX & XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
Collection item reported to credit bureau from Wakefield and Associates for XXXX XXXX XXXX of Pa When I contacted XXXX they could not provide any contact information for debtor item disputed with transunion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year> I saw a charge on my Apple Card for {$85.00} from XXXX. I checked my XXXX account but no orders matched this. I immediately contacted XXXX who also confirmed via chat that the charge was not from my account. They flagged it on their end but said they could not cancel it. I contacted Apple who said since I had screenshots it would be reversed. Except now they keep denying the dispute. XXXX even flagged it on their end & confirmed via chat that I screenshot & Apple keeps denying my dispute!? I do buy merchandise from XXXX however this charge still does not appear in my account. Even XXXX verified this so why do I keep getting rebilled for this fraudulent charge?

Company response to consumer: Closed with explanation