vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I am submitting this complaint because XXXX XXXX has reported three separate 30-day late payments to the credit bureaus, even though I missed only one monthly payment that applied to three student loans.

These three loans were issued to me over three semesters but have always been billed as one combined monthly payment. My XX/XX/year> statement from XXXX clearly shows a single " Current Amount Due '' of {$1500.00}, with no requirement to make individual payments toward each loan.

Due to a short-term financial hardship, I missed one monthly payment, which was more than 30 days late. However, I paid the full amount soon after and have since remained current. Despite the account being billed as a single monthly payment, XXXX reported this late payment as three separate delinquencies one for each tradeline resulting in excessive and disproportionate damage to my credit report for a single event I contacted XXXX multiple times and submitted a goodwill adjustment request. They refused, stating that they do not offer courtesy retractions. I then followed up with a second request, including documentation of the billing structure. They responded again with a refusal. 

I am requesting the CFPBs assistance in having the two additional late marks removed so that the reporting accurately reflects one missed payment event, not three. This duplicate derogatory reporting is unfair and misleading.

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 2025-06-03 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: NJ

Complaint narrative:
I am submitting this complaint because XXXX XXXX has reported three separate 30-day late payments to the credit bureaus, even though I missed only one monthly payment that applied to three student loans.

These three loans were issued to me over three semesters but have always been billed as one combined monthly payment. My XX/XX/year> statement from XXXX clearly shows a single " Current Amount Due '' of {$1500.00}, with no requirement to make individual payments toward each loan.

Due to a short-term financial hardship, I missed one monthly payment, which was more than 30 days late. However, I paid the full amount soon after and have since remained current. Despite the account being billed as a single monthly payment, XXXX reported this late payment as three separate delinquencies one for each tradeline resulting in excessive and disproportionate damage to my credit report for a single event I contacted XXXX multiple times and submitted a goodwill adjustment request. They refused, stating that they do not offer courtesy retractions. I then followed up with a second request, including documentation of the billing structure. They responded again with a refusal. 

I am requesting the CFPBs assistance in having the two additional late marks removed so that the reporting accurately reflects one missed payment event, not three. This duplicate derogatory reporting is unfair and misleading.

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 2025-06-03 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 recently reviewed a copy of my credit report and noticed that I had fradulent accounts on my report, Please remove these accounts from my credit report, they are hurting my ability to obtain credit.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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
15 US CODE1692e false and misleading & 31 US CODE3720D verified false garnishment wages. Reported to cfpb that owed more in a verified report. I also included a cease and desist, and they still contact me and still talk to me and still make reports total violation about four of them and I need compensated. I never received the documentation because I had a restraining order at the address that it was delivered to, so I was unable to receive it and then with their authority they were granted the option for the garnishment and when I try to have it removed from my credit report. They also included other collections account that was not included in the garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The court where I filed for XXXX  doesn't report the XXXX  to the credit bureaus, but Equifax keeps claiming otherwise. XXXX  has already removed this XXXX  report from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IA

Complaint narrative:
TransUnion is reporting several charge-off and collection accounts on my credit file that I believe to be inaccurate, outdated, or unverifiable. These include XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$15000.00}, XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX with a balance of {$2300.00}, XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX with a balance of {$940.00}, and XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX with a balance of {$4900.00}. 

I am formally disputing the accuracy, completeness, and reporting legitimacy of these entries. Some of these accounts are well beyond the seven-year reporting period allowed under the Fair Credit Reporting Act ( FCRA ), particularly the accounts from XXXX, XXXX, and XXXX. Under 15 U.S.C. 1681c, consumer reporting agencies are prohibited from including accounts that are obsoletetypically those that are more than XXXX years old from the date of first delinquency. TransUnion has a legal duty to ensure that all information it reports is accurate, complete, and not misleading, and to delete or correct any information that can not be verified. 

Furthermore, I have not received any recent communication or validation regarding the legitimacy or collection authority related to these debts. The presence of these charge-offs on my report continues to negatively impact my credit standing, potentially affecting employment opportunities, housing decisions, and loan approvals. This constitutes an ongoing harm to my financial well-being, especially if these items are unverifiable or legally outdated.

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 2025-06-03 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: SC

Complaint narrative:
After reviewing my credit report, I noticed that I have fraudulent collections listed on my credit report as well as fraudulent inquiries. The negative accounts have hurt my ability to obtain new credit. Please remove the negative fraudulent collections and inquiries from my profile. 

Fraudulent inquiries XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-03 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 recently reviewed a copy of my credit report and noticed that I had fradulent accounts on my report, Please remove these accounts from my credit report, they are hurting my ability to obtain credit.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
GS BANK USA has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am submitting this FTC Identity Theft Affidavit to report five fraudulent accounts on my FICO TransUnion credit report that I do not recognize. These accounts are a result of identity theft and include : a charge account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have led to multiple hard inquiries and collections on my credit report. I request the removal of these fraudulent items from my credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-03 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:
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 2025-06-03 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-03 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:
TransUnion is reporting a XXXX XXXX Bankruptcy under reference number XXXX on my credit report. I am disputing the accuracy and continued reporting of this public record. After reviewing my credit file, I have reason to believe that this information may be outdated, misattributed, or inaccurately maintained in violation of the Fair Credit Reporting Act ( FCRA ). There is no accompanying docket information, no verification from the court directly tied to my personal identifying details, and no assurance that TransUnion has verified this public record through a reliable source, as required by 15 U.S.C. 1681i.

Credit bureaus are not permitted to report unverifiable or outdated information. Without clear, timely, and direct confirmation from the original source ( i.e., the court ), the continued presence of this bankruptcy on my credit report risks causing significant and unnecessary harm to my financial standing. Given that public records
are often collected through third-party vendors who do not guarantee accuracy, there is a valid concern that this information may have been introduced through flawed data aggregation methods or a clerical error.

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account XXXX XXXX XXXXXXXX XXXX has already been deleted by XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), all reporting Accounts must be accurate and consistent across all credit bureaus. Your continued reporting of this account is a direct violation of that requirement please Delete this account from your records immediately. 

Below is attached proof it was deleted from other credit bureaus and proof of identity

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: MI

Complaint narrative:
In XX/XX/year>, Zwicker & Associates obtained a default judgment against me in Michigan District Court ( Case No. XXXX ) without ever serving me with the complaint or summons. I did not become aware of the case until I received a copy of the judgment by mail on or around XX/XX/XXXX, nearly XXXX month after entry. 

On XX/XX/year>, I sent a certified letter disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ). I requested documentation including the signed credit agreement, full accounting, proof of standing or assignment, and whether a Form 1099-C had been filed. To date, no response has been received. 

The account appears on my credit report as Charged-Off and Closed by the Credit Grantor , suggesting it was written off and may no longer be enforceable. I believe this conduct violates the Fair Debt Collection Practices Act ( FDCPA ) for failure to validate the debt, misrepresenting its status or amount, and pursuing legal enforcement without authority. It may also violate the Fair Credit Reporting Act ( FCRA ) due to unverified reporting.

I am requesting that Zwicker withdraw the judgment, cease all collection efforts, provide complete debt validation, and correct any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file, under the account Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report. Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. Demand for Action : I demand that Credit Bureau immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within [ Number ] business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am disputing an account reported under my credit file with account number # XXXX, associated with Ally Financial. This account is not mine, and despite multiple prior complaints to the company and/or credit bureau , I have received no response or resolution. The account details as of XX/XX/year>, are : Account Status : Closed Payment Status : Current Balance Owed : {$0.00} Payment Amount : {$0.00} Credit Limit : Not specifiedI request that this inaccurate information be investigated and removed from my credit report immediately.

Company response to consumer: Closed with explanation