vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
requested date of delinquency date of charge off and date last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I went to pay my bill online as I always do, only to learn that I have charged over {$1800.00} in deferred interest. 
Apparently I was on an 18 month promotion. 
That was their explanation. This purchase was an engagement and wedding ring with a {$7000.00} purchase price. There is no way I would be able to pay that off in 18 months. 
I always pay on time and always pay more than the minimum amount due. 
This interest fee is obscene and excessive and can not possibly be legal. My balance was below {$2000.00} from the initial {$7000.00} and my balance is now more than {$3500.00}. 
Also just learning their apr is 35.99 %!!! 
This cant be legal XXXX XXXX are corrupt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2025-07-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: NC

Complaint narrative:
I had credit card debt that I wanted to pay off. I was told by a person at Beyond Finance that my debt would be cut in halfif I enrolled in their program.

My debt was almost {$11000.00} and would be reduced to {$5300.00}. That I had to pay for about 3 years or a little longer and allcredit card debt would be paid off. I had been paying {$250.00} a month since XXXX of 2023, I then had it reduced to {$200.00} a month because I needed money for food. My income is from Social Security as a survivor ( XXXX XXXX XXXX XXXX ). 
I had alreay paid over {$5000.00} reduced because there were debt removed due to fraud or faulty reporting. Upon contacting Beyond Finance, I was informed that I still owed {$5000.00} more. This is not what I agreed to. I have been scammed and defrauded due to shady business practices, deceit and lies. I want Beyond Finance held accountable and I want my money taken under false pretenses returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I paid off a debt with XXXX XXXX XXXX, the collection agency that acquired the account from MoneyKey. As part of the settlement, I was given a pay to delete letter and proof of payment. XXXX XXXX XXXX honored the agreement and removed their entry from my credit report. However, the original creditor, MoneyKey, continues to report the charged-off debt, despite it being resolved. This is misleading and does not reflect the current status of the debt. I have submitted disputes to XXXX  with supporting documents, and they continue to say it is accurate. I am requesting that this tradeline be removed as it no longer represents an unpaid obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors continue to weigh heavily on me and are affecting my life in significant ways. During these challenging times, having these inaccuracies corrected or removed would be an immense relief and a true help.

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 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 due to inaccurate and misleading information being reported on my credit report by [ Name of Loan Servicer ] and the credit reporting agencies. 

My student loans are currently in deferment, yet they are being reported as late/delinquent, which is factually incorrect and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 623 [ 15 U.S.C. 1681s-2 ], furnishers of information are legally required to provide accurate and up-to-date information. Reporting deferred loans as late is a clear violation of this law.

I have disputed this with the credit bureaus, but the inaccurate information remains. Under FCRA 611 [ 15 U.S.C. 1681i ], I have a right to a reasonable investigation and correction of errors. This has not occurred.

I am also aware that the credit bureaus are currently facing lawsuits and regulatory scrutiny for their ongoing failure to correct and prevent the reporting of inaccurate informationindicating a systemic issue that impacts many consumers. 

I am requesting that the CFPB investigate this matter, ensure that my credit reports are corrected immediately, and that the responsible parties are held accountable for noncompliance with federal 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 non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am filing this complaint due to inaccurate and misleading information being reported on my credit report by [ Name of Loan Servicer ] and the credit reporting agencies. 

My student loans are currently in deferment, yet they are being reported as late/delinquent, which is factually incorrect and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 623 [ 15 U.S.C. 1681s-2 ], furnishers of information are legally required to provide accurate and up-to-date information. Reporting deferred loans as late is a clear violation of this law.

I have disputed this with the credit bureaus, but the inaccurate information remains. Under FCRA 611 [ 15 U.S.C. 1681i ], I have a right to a reasonable investigation and correction of errors. This has not occurred.

I am also aware that the credit bureaus are currently facing lawsuits and regulatory scrutiny for their ongoing failure to correct and prevent the reporting of inaccurate informationindicating a systemic issue that impacts many consumers. 

I am requesting that the CFPB investigate this matter, ensure that my credit reports are corrected immediately, and that the responsible parties are held accountable for noncompliance with federal 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 2025-07-24 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: FL

Complaint narrative:
TransUnion is inaccurately reporting a closed and fully paid account from XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/year>, as having a late payment. This is not only misleading but a clear violation of federal law. The account shows a XXXX balance, is fully paid, and has been closed for yearsyet TransUnion continues to display it with derogatory payment history that should not be associated with a resolved account.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), TransUnion has a legal obligation to maintain reasonable procedures to assure the maximum possible accuracy of the information it reports. Reporting a paid, closed account with no balance or past due amount as late is categorically inaccurate. Once an account is settled with a XXXX balance, no further derogatory data should be appearing in connection with that tradeline. The continued presence of outdated or misrepresented delinquency undermines the integrity of the file and violates the very principle of " accuracy '' the FCRA demands. 

In addition, TransUnion has failed to properly investigate my previous disputes about this error. I challenged the inaccurate payment history on this tradeline and received a generic response stating the information was " verified, '' with no documentation, no explanation, and no proof. This violates 15 U.S.C. 1681i ( a ), which requires that any reinvestigation of disputed information be reasonable and thorough. Instead, TransUnion appears to have rubber-stamped the tradeline without addressing its factual inaccuracy. 

This inaccurate late payment has caused a measurable drop in my credit score, which has impacted my access to credit and financial services. Ive been quoted higher interest rates, faced rejections from lenders, and experienced a diminished credit profile despite fulfilling my obligations on this account in full. It is deeply frustrating and emotionally exhausting to suffer ongoing harm from an account that should be helping my credit, not hurting it. This isnt just a clerical errorits a failure of duty by a national credit reporting agency that is legally required to uphold accuracy and fairness.

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 2025-07-24 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
In XXXX, or XXXX of 2024, I filed a complaint with the CFPB explaining that I had three XXXX  XXXX XXXX  credit cards that I was locked out of due to fraud. The complaint was sent to the regulator under report number XXXX. This company LVNV Funding continues to harass me about this debt even though I have explained to them this debt is a result of fraud. If they can prove that it wasn't and still wants to collect, then have them please provide account balances prior to fraud taking place as of XX/XX/year>2024. I had fraud protection on the account which I never received even though I reported many times that I suspect fraud on the accounts.I want these accounts removed from my credit report due to the fair credit reporting act Remedying the effects of Identity Theft. XXXX XXXX If you believe the information in your file results from identity theft, you have to right to ask that a consumer reporting agency block that information from your file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : XXXX INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-24 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief