vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: PA

Complaint narrative:
I am very frustrated to see that inaccurate late payments are still appearing on my credit report this morning, even after I checked again. I do not understand why they have not been removed. Please review the documents I submitted immediately so this can finally be resolved and I can stop stressing about 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 2025-11-01 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: PA

Complaint narrative:
I am very frustrated to see that inaccurate late payments are still appearing on my credit report this morning, even after I checked again. I do not understand why they have not been removed. Please review the documents I submitted immediately so this can finally be resolved and I can stop stressing about 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 non-monetary relief
Consumer complaint received 2025-11-01 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 am submitting to formally dispute several inaccurate, unverifiable, or unauthorized items currently appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to request an investigation of any information that is incomplete, inaccurate, or can not be verified. I am disputing the reporting of multiple charge-off accounts, collection accounts, and recent inquiries that appear to be misreported or not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX * Balance : {$5300.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
I am submitting this complaints as a concerned consumer regarding an account reported under XXXX ( Account ending in XXXX ). According to my credit report, this account shows a 120-days late payment reported in XX/XX/XXXX, with a balance of {$890.00}, opened on XX/XX/XXXX, and last active on XX/XX/XXXX. This late reporting, however, does not accurately reflect my true payment history or the actual events that occurred on this account. 
When I initially opened this account, I maintained consistent payments and communication with the creditor. There was never a verified instance of a late or delinquent payment that aligns with what is being shown. The reporting of this account as Late Open gives a misleading impression of irresponsibility that contradicts my documented payment pattern and correspondence with the lender. 
Under 15 U.S.C. 1681i ( a ) ( Section 611 of the Fair Credit Reporting Act ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Upon receiving this letter, you are obligated to conduct a reasonable reinvestigation to verify the accuracy of this entry. If you can not verify it with proper documentation from the original creditor, it must be corrected promptly. 
Additionally, 15 U.S.C. 1681s-2 ( b ) requires furnishers of information to correct and update any inaccurate or incomplete data once they receive notice of a dispute. If XXXX can not substantiate this Late Open status with valid records, the entry should be removed or amended to accurately reflect the accounts true standing.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy when preparing consumer reports. Reporting an account as Late Open without definitive proof of such a status is a clear violation of this principle.

Lastly, 15 U.S.C. 1681c ( a ) prohibits the inclusion of obsolete or misleading data that misrepresents the consumers payment behaviour. I am therefore requesting that your agency review this account and ensure that it reflects only verified, factual information in accordance 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 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
I requested a cash advance through the Brigit app and selected the XXXX XXXX option. The app confirmed that the advance was delivered, yet no funds were ever received in my bank account. I repaid my previous advance that same morning, then immediately requested another for the same amount, which should have been delivered within the promised timeframe. Despite multiple emails to Brigit support, I have not received any response or resolution. 

This has caused significant financial hardship and overdraft issues. I believe Brigit misrepresented the status of the transaction by marking the advance as delivered when no funds were actually deposited. I also requested written proof of where the funds were sent and confirmation of processing details, but Brigit has failed to provide that information. 

The lack of transparency, delayed communication, and failure to deliver funds as promised reflect negligent and deceptive business practices. I am seeking immediate investigation into this matter and a full explanation from Brigit, including documentation of the alleged delivery and refund or disbursement of the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Wakefield and associates keeps calling me back to back regarding setting up payments and trying to get me to say my social security card on a recorded call and I'm declining and it keeps reporting to my credit reports negatively without proof to my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I bank with TD Bank XXXX XXXX. 
My checking accounts were closed on XX/XX/XXXX, as well as my credit card account, and the CD account.

I contacted the bank and they directed me to the branch. I visited the branch and they told me that they dont have any information and my accounts are closed, and to contact the phone customer service. I contacted the phone customer service and even spoke with the manager but they couldnt provide me with any information in regards to the any of my bank accounts. All they said is that the XXXX closed my accounts without any explanations. 
I am bouncing from place to place and still dont have the information on what is happening with my funds. 
If the accounts were closed then I would like to know when will I receive the check with the amount that was on my bank accounts in the day of closure. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: CT

Complaint narrative:
RE : Formal Dispute Demand for Correction Under 15 U.S. Code 1666b Payment Was Never Late I am writing to formally dispute the reporting of a late payment on the account listed below : XXXX : XXXX XXXX XXXXXXXX Account XXXX : XXXX * * * * XXXX. XXXX XXXX Account XXXX : XXXX * * * * XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX * * * * The payment in question was made on time and must not be reported as late. Under XXXX XXXX. 
Code 1666b ( Timing of Payments ), a creditor XXXX not treat a payment as late if it was received by XXXX p.m. on the due date at the specified location. You have failed to provide any legitimate documentation proving otherwise. Therefore, this is an unlawful and inaccurate report. 
I am demanding that the account be immediately updated to reflect XXXX Never XXXX across all credit reporting agencies. Anything less will be considered a continued violation of federal law. 
Furthermore, please be advised that I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ) regarding this matter. 
If this issue is not resolved within 30 days from the date of receipt of this letter, I will proceed with legal action for : Violations of the Fair Credit Reporting Act ( FCRA ) Violations of the Truth in Lending Act ( TILA ) Damages for negligent and willful misreporting Attorneys fees and additional legal remedies You are now on legal notice. I expect written confirmation and full correction within the statutory timeframe. Failure to act will result in escalation without further warning.

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 2025-11-01 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: PA

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
I am submitting to formally dispute several items currently appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. These discrepancies are negatively affecting my overall credit standing and do not accurately represent my credit history or payment behavior. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) and XXXX ( b ), I am requesting that conduct a thorough reinvestigation of each item and ensure that only verified, accurate, and complete information remains on my credit file.XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX  XXXX XXXX * * * XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Original Creditor XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC 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 2025-11-01 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: CA

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! 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX. Several disputes have been made with Equifax Information Services. Equifax Information Services continues to stall/ delay the dispute process. I have repeatedly updated my address to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I no-longer live at XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX. I will once again send the requested information certified. Please update my address to XXXX XXXX XXXX XXXX  XXXX, XXXX, Ca XXXX. See attached social security card with my social security number on it. My check stub with my address on it and a copy of my driver 's license. Please move forward with my concerns and disputes.SSN card front and back!

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 2025-11-01 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-01 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: GA

Complaint narrative:
I noticed that inaccurate late payments are still on my credit reports, and I do not understand why this is happening. The inaccurate late payments were not removed when refreshing the pages. I am asking for an immediate and careful review of the documents I submitted so I can stop being stressed over this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
Despite being paid off, the account still lists late payments inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MN

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-01 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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