vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: GA

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 XXXX Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Subject : Improper Termination of Valid Filing / Invalid Duplicate Submission Company Name : GoodLeap Account/Reference Number : Loan ID XXXX Date of Incident : XX/XX/year> Duplicate UCC-1 Filed Complaint Summary : I am filing this complaint to report improper and potentially unlawful conduct by GoodLeap regarding a recent matter involving a duplicate UCC-1 Filing for the same account.

Specifically, the company has terminated the original and valid filing associated with my account, while retaining an invalid duplicate submission. The duplicate does not meet regulatory filing standards and should not have been accepted or processed. 
Despite my efforts to address this directly with the company, they have failed to correct the issue and have continued to act with willful disregard for my rights. This may constitute a violation of : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Dodd-Frank Wall Street Reform and Consumer Protection Act, particularly provisions related to Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), 12 U.S.C. 5531

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
My XXXX XXXX used my name to apply for several accounts and then literally left me high and dry. I can not locate or find him, he just XXXX XXXX 
I didn't open these accounts, I would like these things to be taken off my credit because they are not my 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 non-monetary relief
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX XXXX used my name to apply for several accounts and then literally left me high and dry. I can not locate or find him, he just XXXX XXXX 
I didn't open these accounts, I would like these things to be taken off my credit because they are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-05-21 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: NV

Complaint narrative:
I am submitting this statement to report that my personal information was compromised as a result of a recent national data breach. After reviewing my credit report, I discovered several accounts that I am not familiar with In response to these discrepancies, I contacted the Credit Reporting Agencies ( CRAs ) and requested validation of the debts in question. However, I have not received sufficient documentation or confirmation to validate these accounts. Given the potential misuse of my personal information, I have filed a formal complaint with the ( FTC ) regarding the unfamiliar accounts appearing on my credit report. I believe these accounts may be the result of identity theft stemming from the breach of my personal data. I am requesting that the CFPB assist in ensuring the CRAs comply with their obligation to provide proper verification of these accounts or remove the unverified information from my credit file. 

Thank you for your attention to this matter. 

Please view attachments, I have provided a copy of my ID, FTC complaint, and copy of the XXXX showing my information have been exposed.

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 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had purchased a washer and paid the full amount with interest free for the first year. I paid off their product within the time frame to not be charged interest. The final payment of {$160.00} was paid in full and I was told by Syncronys that there were fees after my payment. This was not in disclosure. They have added over {$800.00} in fees after I repeatedly went over this information. I have asked for disclosure from them, and they have not provided instead they have added all these additional fees which is racking up to {$900.00} these are not valid charges.

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 2025-05-21 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:
These accounts were opened without my knowledge asking that they be removed from my credit profile. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
These accounts were opened without my knowledge asking that they be removed from my credit profile. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 2025-05-21 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1. 15 U.S.C. 1666b ( a ) Time to Make Payment This statute prohibits creditors from treating a payment as late unless the borrower was given at least 21 days after a statement was issued before the payment became due.

If your student loans were in deferment, no payment was due during that time.

Therefore, no statement requiring payment should have been issued, and no payment could lawfully be considered late.

2. FCRA Accuracy in Reporting ( 15 U.S.C. 1681s-2 ( a ) ) Furnishers are required to accurately report account statuses to credit bureaus. Reporting a late payment on an account that was officially in deferment ( a non-delinquent status ) is false, misleading, and violates your rights under the Fair Credit Reporting Act.

Improper Late Payment Reporting on Student Loans During Deferment Additionally, my credit report contains late payment entries on federally deferred student loan accounts. At the time the alleged delinquencies were reported, the loans were officially in deferment status, during which no payments were due.

Under 15 U.S.C. 1666b ( a ), a creditor can not consider a payment late if no due date was validly established due to deferment. Furthermore, the FCRA requires all furnished data to be accurate and complete. Reporting a payment as " late '' when no payment was scheduled, required, or delinquent is clearly unlawful. 

I request the immediate deletion of any such late payment entries associated with student loans that were in deferment status at the time of the reported delinquencies.

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 2025-05-21 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:
1. 15 U.S.C. 1666b ( a ) Time to Make Payment This statute prohibits creditors from treating a payment as late unless the borrower was given at least 21 days after a statement was issued before the payment became due.

If your student loans were in deferment, no payment was due during that time.

Therefore, no statement requiring payment should have been issued, and no payment could lawfully be considered late.

2. FCRA Accuracy in Reporting ( 15 U.S.C. 1681s-2 ( a ) ) Furnishers are required to accurately report account statuses to credit bureaus. Reporting a late payment on an account that was officially in deferment ( a non-delinquent status ) is false, misleading, and violates your rights under the Fair Credit Reporting Act.

Improper Late Payment Reporting on Student Loans During Deferment Additionally, my credit report contains late payment entries on federally deferred student loan accounts. At the time the alleged delinquencies were reported, the loans were officially in deferment status, during which no payments were due.

Under 15 U.S.C. 1666b ( a ), a creditor can not consider a payment late if no due date was validly established due to deferment. Furthermore, the FCRA requires all furnished data to be accurate and complete. Reporting a payment as " late '' when no payment was scheduled, required, or delinquent is clearly unlawful. 

I request the immediate deletion of any such late payment entries associated with student loans that were in deferment status at the time of the reported delinquencies.

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 2025-05-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that I have a fraudulent account on my report. Please remove these accounts from my credit report, as they are hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Dispute of Unverifiable Late Payment Reporting Under 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with Ally Financial, account number [ XXXX ], as reflected in my credit report. 
Under 15 U.S. Code 1666b, a creditor is required to follow clear rules concerning the timing of payments and can not report payments as late unless those rules are properly followed. Furthermore, if a consumer disputes the accuracy or validity of a late payment, the creditor must be able to substantiate and verify the accuracy of such negative reporting. In this case, you have reported late payments that are unverifiable and therefore in violation of federal law. 
To date, I have requested documentation to verify the accuracy and validity of these reported late payments. However, no such verification has been provided. Under the Fair Credit Billing Act and in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to investigate the dispute and remove any information that can not be verified. 
Accordingly, I am requesting the immediate deletion of all unverifiable late payment information associated with this account from my credit report. Please confirm this correction in writing within XXXX days, 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 2025-05-21 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: KY

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 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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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 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