vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate charge-off reporting on my XXXX XXXX XXXXXXXX credit card account across all three major credit bureaus : Experian, Equifax, and TransUnion. 
The correct charge-off date for this account is XX/XX/XXXX, as reflected accurately by some credit reports. However, the bureaus are continuing to report this account as past due well after the charge-off date, which is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
Once an account is charged off, reporting of past-due amounts or continued late payments should stop. This account should not reflect a past-due status beyond the charge-off date. 
FCRA Violations Involved : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681c ( a ) ( 4 ) : Reporting time limits for charge-offs and negative account history.

Despite my dispute submissions, Experian, Equifax, and TransUnion have failed to correct this inaccurate reporting. The current reporting continues to show past due balances after the charge-off date, which violates FCRA requirements. 
Additional Context Economic Hardship Due to XXXX Pandemic : My account became delinquent during a period of severe economic hardship caused by the XXXX pandemic. On XX/XX/XXXX, onsite work at my job was fully paused due to pandemic restrictions. After this date, my employer reduced our wages by three-quarters of our pay, leaving me with only a fraction of my normal income. 
During this time, the job market collapsed many companies were engaging in mass layoffs, and no new jobs were being created because we were forced to stay inside and shelter in place. Like millions of others affected by the global economic shutdown, I had no control over the situation. 
To survive this period, I received Pandemic Hardship Assistance from both federal programs and the State of Georgia from XX/XX/XXXX through XX/XX/XXXX. Despite these efforts, I was unable to maintain my regular financial obligations during this crisis. I contacted XXXX XXXX XXXX to seek payment arrangements or hardship accommodations, but they were unwilling to provide any flexible options. 
Thankfully, I was eventually able to find career opportunities and move forward, but this inaccurate and inconsistent credit reporting continues to harm my financial recovery and unfairly penalize me for circumstances outside my control.

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 2025-04-27 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 am filing this complaint regarding inaccurate charge-off reporting on my XXXX XXXX XXXXXXXX credit card account across all three major credit bureaus : Experian, Equifax, and TransUnion. 
The correct charge-off date for this account is XX/XX/XXXX, as reflected accurately by some credit reports. However, the bureaus are continuing to report this account as past due well after the charge-off date, which is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
Once an account is charged off, reporting of past-due amounts or continued late payments should stop. This account should not reflect a past-due status beyond the charge-off date. 
FCRA Violations Involved : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681c ( a ) ( 4 ) : Reporting time limits for charge-offs and negative account history.

Despite my dispute submissions, Experian, Equifax, and TransUnion have failed to correct this inaccurate reporting. The current reporting continues to show past due balances after the charge-off date, which violates FCRA requirements. 
Additional Context Economic Hardship Due to XXXX Pandemic : My account became delinquent during a period of severe economic hardship caused by the XXXX pandemic. On XX/XX/XXXX, onsite work at my job was fully paused due to pandemic restrictions. After this date, my employer reduced our wages by three-quarters of our pay, leaving me with only a fraction of my normal income. 
During this time, the job market collapsed many companies were engaging in mass layoffs, and no new jobs were being created because we were forced to stay inside and shelter in place. Like millions of others affected by the global economic shutdown, I had no control over the situation. 
To survive this period, I received Pandemic Hardship Assistance from both federal programs and the State of Georgia from XX/XX/XXXX through XX/XX/XXXX. Despite these efforts, I was unable to maintain my regular financial obligations during this crisis. I contacted XXXX XXXX XXXX to seek payment arrangements or hardship accommodations, but they were unwilling to provide any flexible options. 
Thankfully, I was eventually able to find career opportunities and move forward, but this inaccurate and inconsistent credit reporting continues to harm my financial recovery and unfairly penalize me for circumstances outside my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
I have asked Equifax to remove a inaccurate MEDICAL collection debt from my Consumer Credit Report XXXX  times and to date they have refused. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that all items on a consumer report be accurate, verifiable, and reported in a uniform and non-misleading manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-04-27 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding inaccurate late payment entries on my credit record. Despite sending validation request letters over 30 days ago, I have received no response from the creditor, and they have failed to provide satisfactory validation of these alleged late payments as required by 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 2025-04-27 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding inaccurate late payment entries on my credit record. Despite sending validation request letters over 30 days ago, I have received no response from the creditor, and they have failed to provide satisfactory validation of these alleged late payments as required by 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 2025-04-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not 6,324 furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I am filing a complaint against Fortiva XXXX regarding a refund that has not been properly credited to my account. 
On XX/XX/year>, a merchant issued a refund of {$230.00} to my Fortiva XXXX, with transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was provided by XXXX Customer Service to then provide to Fortiva for resolution. 
Fortiva informed me that the refund was sent to a " purged '' account that they closed without notice or reason. ( XXXX are the last XXXX digits of the closed account. ) Despite providing the transaction ID multiple times, Fortiva claims they can not locate the refund and has refused to apply the amount to my current account or issue a check. 
I have made several attempts to resolve this with Fortivas customer service, but I have been met with unprofessionalism, misleading information, and no resolution. 
I am simply requesting the {$230.00} refund that is owed to me be either deposited into my current ( opened ) Fortiva account ( XXXX are the last XXXX digits of this account ) or mailed to me as a check. 
I am seeking CFPB assistance to hold Fortiva accountable and ensure I receive the refund that is rightfully mine. I will provide as much information as required of me. Please reach me at your earliest convenience. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-27 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: AZ

Complaint narrative:
Re : Notice of Demand for Immediate Deletion of Inaccurate Accounts Final Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/year> To Whom It May Concern, This letter serves as formal notification under 15 U.S.C 1681c-2, 15 U.S.C 1681b, 15 U.S.C 1601, 15 U.S.C 1666b, 15 U.S.C 1602 ( p ), and 15 U.S.C 1692c that you are currently reporting, maintaining, or permitting inaccurate, unverifiable, or unauthorized accounts on my credit file. 
The following accounts are in direct violation of my federally protected rights : XXXX XXXX XXXX XXXX XXXX Bank 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  ) You are hereby instructed too IMMEDIATELY : Conduct a full reinvestigation as required by 15 U.S.C 1681i.

Permanently DELETE these accounts if they can not be fully verified according to the law.

Cease and desist any further reporting or furnishing of inaccurate or unverifiable information.

Provide me with a free updated copy of my corrected credit file.

Failure to comply within the statutory 30 days from receipt of this notice will constitute willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I am prepared to take the following actions without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office.

Initiate a lawsuit seeking damages for willful noncompliance and negligent reporting, as allowed under 15 U.S.C 1681n and 15 U.S.C 1681o. 
Seek statutory, punitive, and actual damages for violations, including attorneys fees and court costs. 
This is my final warning. You are fully liable for any and all legal consequences if you fail to take appropriate corrective action immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX SSN ( last 4 digits ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ben Franklin Finance LLC
State: NY

Complaint narrative:
I disputed an identity theft on my credit report through XXXX and after providing them with the details and prove that it was an identity theft they still left the negative item on my credit file and its hurting my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-27 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: IN

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX  -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED 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 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been locked out of my Experian account for TWO plus months- due to a fraudulent email address being linked to my account. I did not authorize this email, and Experian has failed to take appropriate action to secure my account despite multiple attempts on my end.

Over several weeks, I have made more than a dozen attempts to log in, reset my credentials, and speak with customer service. Every attempt ended with Experians automated system refusing to escalate my case, telling me this issue does not meet the threshold for support escalation, refer to your Experian account, and HANGS UP on every single one of my calls. I have no way to securely access my credit file, dispute inaccurate information, or protect my identity. 

I have spent an excessive amount of time trying to correct this on my own with no success. Experians refusal to properly investigate or assist has left my personal information vulnerable and my legal rights under the FCRA violated. I am requesting an immediate investigation into how this fraudulent email was associated with my account, why no action has been taken to correct it, and how Experian plans to prevent further consumer harm.

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 2025-04-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the account listed below has violated my federally protected consumer rights, including my right to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXXXXXX XXXX XXXX  : XXXX This account has violated my rights under federal law. 

Under the FCRA, specifically 15 U.S.C. 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the consumer.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes information and a reinvestigation finds that the information is inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to : ( i ) promptly delete or appropriately modify that information; and ( ii ) promptly notify the furnisher of the information that the item has been deleted or altered.

In addition, according to 15 U.S.C. 1681s-2, no person or entity may furnish information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Finally, under 15 U.S.C. 1681b ( a ) ( 1 ), a person shall not furnish any information regarding a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief