vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX Date : XXXX Re : Dispute of Incorrect Past-Due Information XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX | ( XXXX ) XXXX Date Reported : XX/XX/year> | Balance : {$46000.00} Account Number : XXXX XXXX | Owner : Individual Account To XXXX XXXX : I am formally disputing the reporting and furnishing of past-due information on the above-referenced account, which is inaccurate, incomplete, and unverifiable. Under the governance law of fair and accurate credit reporting, including but not limited to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, all information furnished to consumer reporting agencies must be 100 % accurate, validated, and substantiated. 

The past-due amount you are reporting does not reflect accurate billing history, is not supported by certified payment records, and has not been validated in accordance with federal compliance standards. Pursuant to these laws, I am requesting the following corrective governance actions : Immediate cessation of reporting any past-due or delinquent status related to this account Deletion of all inaccurate past-due information from records furnished to credit bureaus Formal validation of the alleged debt, including : Original contract bearing my signature Full payment accounting ledger Dates and proof of alleged non-payment Method of verification used to confirm delinquency A written response confirming completion of the requested corrections Additionally, under the consumer right to dispute and reinvestigation, you must conduct a reasonable investigation and correct or delete any information that can not be verified. Any failure to comply may constitute violations actionable under the Consumer Financial Protection Bureau and may be further disputed directly with credit reporting agencies, including XXXX XXXX, and XXXX. 

I expect your written response within the statutory timeframe required for dispute reinvestigation under federal governance compliance. 

Please send all correspondence to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 submitting this complaint because the creditor and the credit bureaus are reporting an inaccurate 30-day late payment on my account. 

I disputed the late payment because the furnisher has not provided any timestamped, verifiable documentation proving that my payment was actually 30 days late. Under the FCRA, they must maintain maximum possible accuracy, and under the FCBA, they must credit payments as of the date received. If a payment is received on time but posted late, the late mark is legally invalid. The creditor has not demonstrated that the delay was caused by me. 

I am requesting the Method of Verification from the credit bureaus, including : The exact documents reviewed The date the payment was received The date the payment was posted Any internal logs, payment ledgers, or audit trails Whether the investigation was manual or automated None of this information was provided. I only received generic verified as accurate responses, which do not satisfy the FCRAs requirement for a reasonable investigation. 

The furnisher and the bureaus have failed to : Provide proof that the payment was actually 30 days late Show documentation proving the timing of receipt and posting Conduct a lawful, reasonable investigation Provide the required Method of Verification Explain how the information was verified Correct or delete inaccurate information after dispute Because they can not show when the payment was received or prove that I was actually 30 days late, the information is unverifiable. Under the FCRA, unverifiable data must be corrected or deleted. 

The continued reporting of this late payment is causing ongoing harm to my creditworthiness and access to fair credit.

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 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
Please remove the inaccurate inquiries and accounts

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
Please remove the inaccurate inquiries and accounts

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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
In XX/XX/year>, I contacted the company to cancel my service due to moving out of state. I was told the account would be canceled. Despite this, the company continued to charge my card every month still to date, even though I have not used or received any services during that time. 

I attempted to resolve this multiple times. I spoke with staff and was told the manager who was originally responsible for canceling my account no longer works there, and they have no record of the cancellation request. They still have not canceled my account and have continued billing me without authorization. 

I am requesting a full refund for the months billed after my cancellation request and for the company to close the account immediately, as I have not received services since relocating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 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: FL

Complaint narrative:
I am writing to dispute the following information on my credit report. The following items have been inaccurately reported, and I request that they be reviewed and corrected as per the Fair Credit Reporting Act ( FCRA ). 

TransUnion : Address Discrepancies : XXXX XXXX XXXX, XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Charged Off Accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX  : XXXX, XX/XX/XXXX, Balance : {$120.00} XXXX  : XXXX, XX/XX/XXXX, Balance : {$610.00} XXXX  : XXXX, XX/XX/XXXX, Balance : {$610.00} Inquiries : XXXX XXXXXXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 2025-12-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 youhave 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 XXXX 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.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX my bank account was hacked into separate wire transfers went through totaling XXXX. I contacted SOFI Bank immediately and told them that these were not me and that it was fraud. They did shut down my account and it was frozen for several days but I have attempted to contact them several times and they can give me no update on the ability to reclaim these funds. I have never done a wire transfer on that account since I've had it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts on my credit report that contain inaccuracies and need to be corrected. Below are the details of the accounts that I am disputing, separated by credit bureau. 

TRANSUNION ( TU ) Inquiries : XXXX, XX/XX/year>

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 2025-12-03 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: MA

Complaint narrative:
Upon reviewing my credit report with TransUnion, I found that several charged off accounts are inaccurately reported. I am disputing these items and kindly request a thorough review and correction. 

CHARGED OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I requested through XXXX XXXX  on XXXX and through the CFPB ( # XXXX ) website on XXXX the information required by Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : Agencies are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts that you post on a credit report. 
I have requested all from the company all information required by law to validate the alleged debts ( listed on the attachment ). I, in addition to the attached complaint, also request the following for each listed account : o 15 USC 1681 7 -MUST DISCLOSE THE RESULTS AND MANNER OF A PHYSICAL DEBT VERIFICATION o 15 USC 1641 ( f ) ( 2 ) -ORIGINAL CREDITOR DISCLOSURE OF WHO CURRENTLY OWNS THE ALLEGED DEBT, A FORWARD FLOW AGREEMENT AND WHAT AMOUNT WAS THE ALLEGED DEBT SOLD FOR AND TO WHOM?

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 2025-12-03 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: NC

Complaint narrative:
XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I submitted a formal dispute to the XXXX XXXX XXXX on [ insert date ] regarding inaccurate late payment remarks on my credit report. 
The account ( XXXX ) I disputed are : XXXX Account # XXXX Late payment ( XXXX ) reported on XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( XXXX ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA XXXX ( Section XXXX ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation FCRA XXXX ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-12-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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