vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
Goldman Sachs Apple Card, The balance of my credit card was paid in full, several times in the last two months, however, my account continues to be reported to the credit bureaus, how do I still owe {$6500.00}. For 36 days, they have been reporting that I owe {$6500.00} and that is incorrect, my personal credit and decisions of other financial institutions about my banking products have been affected. 

I made the payment of the total balance of that card on XX/XX/XXXX, however, the card issuer did not update my available balance until XX/XX/XXXX and did not timely report my payment to the three credit bureaus. At this time my personal credit was affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CO

Complaint narrative:
XXXX XXXX is reporting late payments on my TransUnion credit report even though the account is closed with a XXXX balance. This information is inaccurate and inconsistent with my other credit reports. XXXX XXXX XXXX both reflect this account as closed with no late payments. Reporting late payments on a closed and paid account is misleading and negatively impacts my credit score.

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 2025-11-06 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: CO

Complaint narrative:
XXXX XXXX is reporting late payments on my XXXX credit report even though the account is closed with a XXXX balance. This information is inaccurate and inconsistent with my other credit reports. Equifax and XXXX both reflect this account as closed with no late payments. Reporting late payments on a closed and paid account is misleading and negatively impacts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CO

Complaint narrative:
XXXX XXXX is reporting late payments on my XXXX credit report even though the account is closed with a XXXX balance. This information is inaccurate and inconsistent with my other credit reports. XXXX  and Experian both reflect this account as closed with no late payments. Reporting late payments on a closed and paid account is misleading and negatively impacts my credit score.

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 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/year>, I sent IQ Data XXXX a Certified Mail Demand instructing them to immediately cease all collection activity and permanently cease all reporting of an alleged rental account purportedly owed to The Current Retail in the amount of {$11000.00}. This account is not mine, has never belonged to me, and was not a rental that I authorized or lived at. 

This certified mailing included a full copy of my FTC Identity Theft Report, which clearly establishes that the account in question is fraudulent and unauthorized. Copies of this FTC report were also provided to all three major credit bureaus, each of which has since removed and blocked this tradeline based on the findings of the identity theft report ( documentation attached herein ). 

Any alleged prior communications between myself and IQ Data XXXX regarding this account were solely for the purpose of obtaining information about the purported debt. At no time have I admitted ownership, acknowledged liability, or authorized this account in any way. I have never signed for, benefited from, or consented to any financial obligation associated with this alleged debt. 

Despite being placed on formal notice through multiple dispute filings and direct communication, IQ Data XXXX has persisted in maintaining or attempting to validate false and unverified information, causing ongoing harm to my reputation and credit profile. 

Violations IQ Data Internationals conduct constitutes willful violations of the following federal statutes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate ; 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate and delete disputed data after notice ; 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Unlawful reinsertion of deleted or blocked credit data ; and 15 U.S.C. 1692e ( 8 ) Communicating false credit information to consumer reporting agencies.

Requested Resolution I hereby demand that IQ Data XXXX and its parent company Assurant , XXXX : Cease and desist from all collection, contact, or communication attempts regarding this fraudulent account ; Permanently delete and block all data, internal or external, relating to this alleged debt, including any current or future reporting to all credit reporting agencies ; and Provide written confirmation that this fraudulent account has been permanently deleted from all systems and will never be reinserted or reported again. 

Statement This matter has caused significant personal and professional distress, unjustified credit harm, and reputational damage. I expect a written confirmation of full compliance with this demand within XXXX ( XXXX ) business days of receipt of this complaint and the XXXX Mail notice dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am submitting to formally dispute the accuracy and completeness of several accounts currently reported on my credit file. This letter serves as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically Sections 602, 611, and 623, which establish the rights of consumers to fair and accurate credit reporting and require credit reporting agencies and data furnishers to reinvestigate and correct disputed information. I am exercising my rights under these provisions and respectfully request that conduct a thorough and complete reinvestigation into the items listed below, which I believe XXXX have been inaccurately reported, are incomplete, outdated, or otherwise unverifiable. 
XXXX XXXXXXXX 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

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 2025-11-06 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:
I am filing this complaint because TransUnion is reporting inaccurate and unverified late payments for two accounts on my credit report : XXXX  XXXX XXXX ( Account No. XXXX ) TransUnion is incorrectly reporting late payments for XX/XX/XXXX and XX/XX/XXXX, even though both payments were made on time. 

XXXX XXXX ( Account No. XXXX ) TransUnion is incorrectly reporting a late payment for XX/XX/XXXX, which was also made on time.

I submitted a formal dispute to TransUnion, providing supporting documentation including a copy of my credit report with the inaccurate entries highlighted and proof of timely payments. Despite this, TransUnion has failed to correct or delete these false late payment notations.

These inaccurate reports have caused significant financial and reputational harm, including higher interest rates, declined credit opportunities, and an unfair representation of my financial reliability.

TransUnions actions ( or inaction ) are in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) : Duty to ensure the maximum possible accuracy of reported information 611 ( 15 U.S.C. 1681i ) : Right to a reasonable reinvestigation within 30 days 623 ( a ) ( 2 ) : Failure to correct or update inaccurate information once known 623 ( a ) ( 7 ) : Failure to provide prior written notice before reporting adverse information Additionally, under Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ), a reinvestigation that merely relies on automated confirmation from the furnisher does not meet the FCRAs requirement for a reasonable reinvestigation.

Even after providing verifiable documentation, TransUnion continues to publish false information, constituting a willful or negligent violation of the FCRA.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 1 fraudulent accounts appearing on my TransUnion consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent accounts consist of a student loan account opened at XXXX XXXX XXXX XXXX on XXXX under account number XXXX in the amount of XXXX. This fraudulent accounts have resulted in several inaccurate and damaging items appearing on my TransUnion consumer FICO credit report.

This is a formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction. 
This fraudulent, inaccurate, and false information consists of an installment account opened at DEPT OF ED XXXX Account No. XXXX, Date Opened : XX/XX/2023. 

This account was added without my knowledge or authorization and is the direct result of fraudulent activity, not any legitimate consumer transaction. In support of this request, I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the TransUnions data breach.

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 2025-11-06 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:
Identity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent account and inquiries were initiated without my knowledge or authorization.

The fraudulent account is XXXX  XXXX XX/XX/XXXX ( Account Number - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
The fraudulent inquiries are XXXX XXXX - XX/XX/XXXX. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of 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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am submitting this dispute directly as the consumer, following TransUnions previous response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ).

In that response, TransUnion stated that my original request did not come from me or someone authorized. However, that was incorrect. I am the consumer who filed the complaint, and the CFPB advised me to resubmit my dispute directly to TransUnion, which I am now doing.

I am disputing the following hard inquiries that appear on my TransUnion credit report because I did not authorize or apply for credit with these companies. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a credit inquiry requires a permissible purpose and my express authorization. The inquiries I am disputing are
: 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 XXXXXXXX XX/XX/XXXX Please conduct a reinvestigation and delete any inquiry that can not be verified as initiated by me with a valid written credit application or permissible purpose.

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 2025-11-06 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:
On my credit report, it shows that I have an open mortgage payment of {$28000.00}, which was initiated on XX/XX/year>, with XXXX XXXX  XXXX, and that the payment is currently deferred. I do not have any mortgage payments with this company, as I am unfamiliar with them and have never established any transactions or dealings with them.

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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: MS

Complaint narrative:
Western Funding has failed to validate the alleged debt as required under FDCPA 809 and continues to report inaccurate and unverifiable information in violation of FCRA 611. XXXX  has already deleted this account, confirming inconsistencies in the data. The continued reporting to other bureaus violates XXXX XXXX accuracy and completeness standards. Western Funding must immediately provide full validation or permanently delete this account from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I Have Three Banking accounts Navy Federal, XXXX XXXX, XXXX XXXX ( XXXX XXXX  ). 
Witch all three have been getting charged over and over mysteriously in the amount of XXXX $ from XXXX XXXX in particular on random dates. 
XXXX XXXX ( XXXX XXXX  ) the most repeated for that amount from CA. Also from XXXX for XXXX $ over and over. I haven't used these services as of recently. I have called the murchets and the e said I owe them nothing. 
XXXX XXXX I've just recently noticed has been Hitting my account in amounts 2 to 4 charges in the the same amounts sometimes in the same day! Same amounts this has been going on for a while now and I'm just noticing it.

I haven't looked to closes till recently and noticed it was A LOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate and unverifiable items currently appearing on my credit report. After carefully reviewing my file, I have identified multiple entries that do not reflect my true credit history or current address information. These errors are negatively affecting my credit reputation and overall financial stability. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX LATE CLOSED : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-06 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: CA

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 2025-11-06 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: MA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under 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