vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX  XXXX XXXX Balance {$460.00} XXXX  XXXX XXXX Balance {$1000.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$880.00} XXXX XXXX XXXXXXXX Balance {$310.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$520.00} XXXXXXXX XXXX XXXXXXXX Balance {$4400.00} XXXX XXXXXXXX Balance {$800.00} XXXX XXXX Balance {$810.00} XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX {$900.00} XXXXXXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
On XX/XX/year>, I obtained a copy of my Experian credit report after filing a dispute regarding an account with XXXX XXXX XXXX . The report showed conflicting and inaccurate information before and after the dispute : Before the dispute ( Report generated XX/XX/year>XXXX  ) : The account was reported as Closed with a {$690.00} balance XX/XX/year>. Experian also reported a 30-day late payment for XX/XX/year>. 

After the dispute ( Updated XX/XX/year>XXXX  ) : The account was changed to Paid, Closed with {$0.00} balance. However, Experian still reported a XX/XX/year>XXXX  late payment and removed several years of accurate payment history ( XXXX ). 

This creates a misleading record. The account can not be simultaneously Paid, Closed with {$0.00} balance and also show a delinquency in XX/XX/year>. 
Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Experian failed to do so by reporting a false XX/XX/year>XXXX  late payment and deleting accurate payment history. 

Under 15 U.S.C. 1681i ( FCRA 611 ), Experian has a duty to reinvestigate disputed information. Instead of correcting the errors, Experian introduced new inaccuracies and removed accurate data, which violates this duty. 

Equifax and transunion are both also reporting this same information

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 2025-09-04 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: CA

Complaint narrative:
On XX/XX/year>, I obtained a copy of my Experian credit report after filing a dispute regarding an account with XXXX XXXX XXXX . The report showed conflicting and inaccurate information before and after the dispute : Before the dispute ( Report generated XX/XX/year>XXXX  ) : The account was reported as Closed with a {$690.00} balance XX/XX/year>. Experian also reported a 30-day late payment for XX/XX/year>. 

After the dispute ( Updated XX/XX/year>XXXX  ) : The account was changed to Paid, Closed with {$0.00} balance. However, Experian still reported a XX/XX/year>XXXX  late payment and removed several years of accurate payment history ( XXXX ). 

This creates a misleading record. The account can not be simultaneously Paid, Closed with {$0.00} balance and also show a delinquency in XX/XX/year>. 
Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Experian failed to do so by reporting a false XX/XX/year>XXXX  late payment and deleting accurate payment history. 

Under 15 U.S.C. 1681i ( FCRA 611 ), Experian has a duty to reinvestigate disputed information. Instead of correcting the errors, Experian introduced new inaccuracies and removed accurate data, which violates this duty. 

Equifax and transunion are both also reporting this same information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am being charged for furniture that I never received I have been disputing this situation with the company for over a year they have ruled two different times in my favor regarding my dispute but they've never adequately applied the necessary credit to my account so it has left me with the outstanding balance that I have had to call back each time All the calls can be pulled from over the past year and the letters and documentation that I've submitted from the bankruptcy court as well as screenshots I've provided were the disputes was ruled in my favor on XX/XX/XXXX and XX/XX/XXXX and couple of other times I've had to continuously call and do disputes because every time they ruled the dispute in my favor they do not apply the necessary credits to bring my account to XXXX balance because I do not owe synchrony Bank anything every time I contact XXXX about the situation they tell me to file a dispute with synchrony Bank due to them being caught up in bankruptcy. The representative at synchrony Bank even observed the discrepancy in my account that the documentation 's uploaded did not obtain my signature It was a computer generated signature as well as the date they alleged the delivery and the date of the signature didn't match up with two different days and that information was brought to my attention by a synchrony bank representative and she advised that they see this all the time where merchandises returned but never make it back to the warehouse and customers are calling in having to do a dispute for the same issue that I've been faced with and if someone can investigate and pull the call history at synchrony Bank for over the past year it will confirm what I've been told by regular colleagues of synchrony Bank and their management team that it is negligence on the investigators part for not applying the appropriate credit each time my disputes were approved

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 2025-09-04 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: TX

Complaint narrative:
Im contacting you regarding the TransUnion data breach that exposed the personal information of over XXXX XXXX consumers. Because of this, I am disputing and demanding deletion of accounts now tied to my file that I believe stem directly from unauthorized access to my information. 

TransUnion has a legal duty under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( a ) : to maintain reasonable procedures for data accuracy and security.

15 U.S.C. 1681i : to reinvestigate disputes fully and fairly.

15 U.S.C. 1681c-2 : to block and delete disputed identity theft information within 4 calendar days of receiving proper notice. 



Accounts in Dispute ( Must Be Removed Within 4 Days ) XXXX XXXX XXXX XXXX Status : Charged off / Closed DPT EDXXXX Multiple installment accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) showing 120+ days delinquent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX Collection entry My Demands 1. Immediate e-OSCAR Compliance : This dispute must be processed through the e-OSCAR system and fully transmitted to each data furnisher with proper codes, as required by FCRA and Metro-2 standards.

2. Block & Delete in 4 Days : All of the above accounts along with any duplicate or satellite branch versions of these tradelines must be permanently blocked and deleted from my credit file within 4 days. 
3. Breach Confirmation : Provide confirmation in writing whether my personal data was part of the recent breach, and identify what categories of data were compromised. 
4. Remedial Measures : Provide a statement of the security upgrades TransUnion is implementing to prevent additional breaches. 
5. Consumer Remedy : Provide at least 24 months of free credit monitoring and identity theft protection. 



Notice of Liability Failure to act within the 4-day statutory window will be treated as willful noncompliance with the FCRA and CFPB regulations. If these tradelines ( or any satellite versions ) remain, I will escalate this to the CFPB, FTC, and my State Attorney General and pursue full legal remedies, including damages. 

This is a formal dispute and intent to sue if corrective action is not taken. 

Sincerely, 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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received collections communications via email. I sent an email requesting that all communication stop. Despite the request, I continued to receive communications from LVNV Funding, LLC.

I do not have a contract with LVNV Funding, and I am unaware of any debt owed to them. I would like to dispute the legitimacy of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is inaccurately reporting late payment notations on my XXXX XXXX account ending in XXXX. However, the payment history for this account clearly shows no late payments. This reporting is inaccurate, incomplete, and unverifiable. 

On XX/XX/year>, I mailed a formal dispute to Experian regarding this matter. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any information I dispute as inaccurate. Additionally, under 15 U.S.C. 1666b, late fees and late reporting are not permitted if proper notice and billing were not provided within the required timeframe. 

Despite this, Experian continues to report my account with late payment notations that are false and harmful to my credit profile.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-04 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: SC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. XXXX XXXX XXXX  Account number XXXX Balance {$2200.00} Date opened XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime said you can borrow XXXX XXXX before pay day an they will spit you XXXX XXXX they didn't yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
They sent a check in the mail and someone cashed it

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 2025-09-04 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: NV

Complaint narrative:
These mistaken accounts must be corrected and removed in 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I asked First horizon bank to close my account as the balance is made XXXX but they are not doing so and asking me to visit the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
The assessment doesn't show who I really am financially.

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 2025-09-04 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: ID

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other revieing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 


Please find attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and validation of debt letter.

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 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I financed a purchase through Affirm for wheels I never received. The package was misdelivered, and the merchant has not refunded me. Affirm denied my dispute, stating I was refunded, which is not true. I am still being charged for a product I never received. The merchant is responsible for delivery, and Affirm has failed to resolve this despite multiple disputes and documentation. I am requesting investigation and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
I have been battling with this company since 2019. They formerly went by the name of LoanPal and at some point changed their name to GoodLeap. This company has repeatedly damaged my credit, charged the debt off and still continue to call, send emails, and send letters after having been asked to stop on several occasions. The company at one point was also asked to show proof that they actually paid the contractor for the work that was supposed to be done because the work was never completed and the contractor closed down and filed bankrupt. For all I know they never gave the contractor the money and that could be why the work was never completed. The company still alleges that I owe them XXXX XXXX XXXX because they paid the contractor on my behalf for a job that was never finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in XXXX XXXX XXXX opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within four business days, as required by law.

Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These fa
ilures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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