vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am writing to formally notify XXXX  XXXX and TransUnion that I am a victim of a data breach. I am requesting all accounts related to this breach be blocked and deleted in accordance with the provisions of the Fair Credit Reporting Act5 specifically 15 USC 1681c-2 ( c ). The other addresses included in this data breach are XXXX XXXX XXXX AL XXXX, XXXX XXXXXXXX XXXX XXXX AL XXXXXXXX, XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AL 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 2025-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I contacted Experian to inform of a dispute on my deceased husbands Social Security number. He was deceased in XXXX. This XXXX account was open in XX/XX/XXXX I have complained. I have contacted via automated services. You can not get in touch with one single soul someone needs to learn to answer a phone and take it off automation. There are some questions that an automated service can not answer or do for you. I can not inform them that my husband is deceased so therefore they are denying 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 explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-11-19 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: TX

Complaint narrative:
Equifax fraud department I no longer challenge these accounts accuracy any more please remove remarks or comments from each account listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted request to dispute inaccurate accounts on my credit report. As of today XX/XX/XXXX there have been no updates or responses to my initial request FDCPA guidelines indicate that responses should be within 30 days of initial request. I am once again asking that all information now at thus point be removed from my credit report According to 15 USC 1681 I ans Consumer have the right to challenge the accuracy of accounts on my credit report. I challenge the following accounts listed below XXXX XXXX Funding balance XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX  Balance {$0.00} Open XX/XX/XXXX XXXX of XXXX XXXX Balance {$140000.00} XXXX XX/XX/XXXX Please also remove these un authorized inquiries XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I have attached previous complaints attached

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 2025-11-19 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: TN

Complaint narrative:
On XX/XX/2025, XX/XX/2025, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-11-19 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: TN

Complaint narrative:
On XX/XX/2025, XX/XX/2025, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccurate, outdated, or unverifiable items that are negatively affecting my creditworthiness. I have already attempted to resolve these matters directly with the credit bureaus, but the disputed information remains. I am requesting the Consumer Financial Protection Bureaus assistance to ensure all credit reporting agencies conduct proper reinvestigations and correct or delete any unverifiable data as required under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts ( Charged Off ) : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$360.00} These accounts contain inaccurate charge-off notations, balance inconsistencies, and reporting errors. I request full verification and deletion of unverifiable items. 

Disputed Inquiries : XXXX XX/XX/XXXX I do not recall authorizing this inquiry. Please provide documentation confirming permissible purpose. 

Late Payments : None currently reported, but please review for any inaccurately coded late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe are inaccurate, incomplete, or unverifiable. I request a thorough investigation of each item listed below and correction or deletion of any information that can not be verified under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Charged-Off Accounts XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} This account is reported as charged off. I dispute the accuracy of the account status and balance. The account shows a {$0.00} balance, and I request verification of the charge-off date, original balance, and payment history. If the information can not be verified, I request removal from my report. 

XXXX. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute these hard inquiries as I did not authorize them. Please provide documentation showing that I gave permission for these inquiries. If verification can not be provided, I request that they be removed. 

XXXX. Late Payments XXXX XXXX Account # XXXX I dispute the reported late payment ( s ) on this account. I request verification of any alleged delinquency, including exact date ( s ), amount ( s ), and supporting documentation. If this information can not be verified, I request deletion from my credit report. 

I request that all corrections be reported back to me in writing, and that any unverifiable information be removed promptly.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern Credit Collection Services XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX XXXX want everything in writing I'm requesting the original contract with original creditor ( NAME ) and account number with the date I sign my signature and XXXX want request the full payment history with amount of the original creditor plus proof of DEBT assignment. I need to known how and when exactly did Credit Collection Services get this assigned or purchased the DEBT and if can NOT provide ALL information WITHIN 30 DAYS. PLEASE Remove it from my My Credit Report. 


Thank You XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I received an alert from XXXX regarding a new account opened for Affirm.com. I did not open such an account. This happened within days of multiple charges on my account by XXXX XXXXXXXX. 

I called Affirm and they couldn't locate an account with my information. 

I put a freeze on my credit info with all three credit bureaus and closed my debit card account. 

Today, saw a ACH debit charge in my bank account for Affirm for {$130.00}. I called Affirm and they still could not locate the account or give me any information about the transaction. This account is fraudulent and needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
XXXX XXXX Google Account Revocation Failure & Manual ID Reset Loop Date : XX/XX/year> Filed by : XXXX XXXX Category : Google Ecosystem / Privacy Control Violation Summary of User Experience : Despite revoking third-party access and deleting connected app sessions through Googles official account management tools, unauthorized access persists. Apps and connections continue to appear activeeven after being explicitly removed. This behavior suggests backend sync delays, cached permission artifacts, or deliberate retention of revoked access. 
Manual Countermeasures Required by User : Due to Googles failure to properly reflect or enforce revoked permissions, the user must take the following extreme steps regularly to regain a sense of digital control : 1. Open Google Account settings.

2. Navigate to Privacy and Security.

3. Manually clear App History.

4. Manually clear Cookies and Site Data. 5. Reset the Google Usage
ID ( account-level identifier ).

6. Re-review Sign-in prompts to ensure theyre not bypassed by third-party apps.

This has become the only semi-reliable method to force revocation effects to reflectdespite not using an XXXX  phone and operating solely within the XXXX ecosystem. 
User Statement : If I can't rely on the actual Google service because they're so garbage, then this is what I do... you have to abide by their system, yet they can't even uphold a system that's eligible for XXXX. So Google is about to be number one on my chopping block.

Classification : Filed under Master Timeline Core Entry : Google Identity Persistence / Revocation Failure. Anchored for escalation and cross-platform forensic correlation.

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 2025-11-19 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: FL

Complaint narrative:
To Whom It May Concern : I am filing this complaint because Equifax, Experian, and TransUnion are reporting incorrect balance information for my XXXX XXXX XXXX XXXX authorized user credit card account. The billing statement closed on XX/XX/year>, yet the credit bureaus continue to display an outdated, higher balance. Account number starts with XXXX This constitutes inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), which requires furnishers and credit reporting agencies to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to promptly correct or update information once notified of an error ( 1681i ). 

Key Details : Creditor : XXXX XXXX XXXX XXXX Account type : Authorized user Statement closed : XX/XX/year> Issue : Bureaus are still reporting an outdated balance Impact : Inflated utilization and negative impact on my creditworthiness I have already contacted both XXXX XXXX and the credit bureaus. XXXX XXXX confirmed the statement closed and the data should be reporting correctly. 

Requested Resolution : I request that CFPB assist in ensuring the credit bureaus : 1. Immediately update the balance to reflect the XX/XX/XXXX statement. 
2. Correct their files to comply with FCRA accuracy requirements.

3. Provide written confirmation of the correction. 

Thank you for your assistance.

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