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

Complaint narrative:
XXXX XXXX  is indicating that I was late on multiple payments. Be advised at the time the loan was under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XXXX XXXX XXXX  days late XXXX XXXX XXXX  days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late JXXXX XXXX XXXX days late XXXX XXXX XXXX days late I paid my last loan payment in XXXX of XXXX. They are reporting for a whole year I was late on payments and never paid it however the status is showing " Paid, Closed; was Paid as agreed ''. How can I have that many missed payments but then my loan was closed and paid as agreed. Where is this proof? I never received a late payment notice nor charged a late fee. My last payment was in XXXX of XXXX and that should of ended my loan 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  is indicating that I was late on multiple payments. Be advised at the time the loan was under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are reporting for a whole year I was late on payments and never paid it however the status is showing " Paid, Closed; was Paid as agreed ''. How can I have that many missed payments but then my loan was closed and paid as agreed. Where is this proof? I never received a late payment notice nor charged a late fee. My last payment was in XXXX of XXXX and that should of ended my loan with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
XXXX XXXX  is indicating that I was late on multiple payments. Be advised at the time the loan was under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days late I paid my last loan payment in XXXX of XXXX. They are reporting for a whole year I was late on payments and never paid it however the status is showing " Paid, Closed; was Paid as agreed ''. How can I have that many missed payments but then my loan was closed and paid as agreed. Where is this proof? I never received a late payment notice nor charged a late fee. My last payment was in XXXX of XXXX and that should of ended my loan 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request the immediate removal of a bankruptcy entry from my credit report under 15 USC 1681c. 
The bankruptcy in question is XXXX Date filed- Case # XXXX Please be advised that bankruptcy courts do not report information directly to credit bureaus. Therefore, this bankruptcy entry is inaccurately reflected on my credit report and needs to be removed. 
Please update my credit report to reflect this correction and provide me with written confirmation once the removal has been processed. 
Thank you for your prompt attention to this matter

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to request the immediate removal of a bankruptcy entry from my credit report under 15 USC 1681c. 
The bankruptcy in question is XXXX Date filed- Case # XXXX Please be advised that bankruptcy courts do not report information directly to credit bureaus. Therefore, this bankruptcy entry is inaccurately reflected on my credit report and needs to be removed. 
Please update my credit report to reflect this correction and provide me with written confirmation once the removal has been processed. 
Thank you for your prompt attention to this matter

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 2025-06-11 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: MI

Complaint narrative:
This company has attempted several times to re-create this closed account onto my consumer report. This account is reported in accurately it has like payments of 120 days late for several months back to back, which is lawfully impossible. This account must be removed effective immediately. This account has been charged off and sold to a third-party debt collector without my consent per 15 USC 1682B I opt out of this and all companies associated with this account contacting me via my consumer report. Text message call emails or any other form of communication. Delete this account immediately.Barclays Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account status : closed Date opened XX/XX/XXXX This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately.

Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days XX/XX/XXXX - XXXX  days late Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal per 15 usc 6802

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 2025-06-11 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: NC

Complaint narrative:
I am a survivor of human trafficking, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally demanding that you certifywithout ambiguitythat every single piece of data connected to this account is my personal property. This includes but is not limited to : personal information, activity history, files, communications, preferences, backups, metadata, and any other form of stored or processed data under this account. 

I am asserting my right to full control over my data. I want it made explicitly clear that none of this data has been shared, processed, retained, or used in any way that violates my ownership or personal privacy. You must be able to confirm this definitively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/year>, I received a letter from Resurgent Receivables claiming I owe a debt that I did not authorize, initiate, or agree to. This account is the result of identity theft and is entirely unauthorized. I have no knowledge of this account, and I did not open or use it. 

This debt was not incurred by me as a consumer, and Resurgent Receivables is wrongfully attempting to collect on it. I have already submitted the necessary documentation under the Fair Credit Reporting Act ( FCRA ), including an Identity Theft Report, government-issued ID, and proof of address, yet they continue to pursue this fraudulent debt. 

Their actions are in direct violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which requires immediate blocking of identity theft-related information once valid documents are submitted. By continuing to report and collect on this account, Resurgent Receivables is willfully ignoring federal law and causing ongoing harm to my credit and well-being.

I am requesting immediate investigation and enforcement of my rights under the FCRA. This debt must be permanently removed from all credit reports, and all collection efforts must cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selene Holdings LLC
State: CA

Complaint narrative:
In early XXXX, I was informed by the original creditor of my loan, XXXX XXXX XXXX, that they were considering forgiving my loan of approximately {$25000.00} due to my consistent payment history over several years. Despite these regular payments, the balance remained unusually high. 

In XXXX, Selene XXXX XXXX began contacting me to collect the same debt. I assumed they had legitimately acquired the debt and continued making payments. However, by early XXXX, I became concerned about the legitimacy of their claim and sent my first formal debt validation request, seeking detailed documentation to verify their ownership of the debt, including proof of an unbroken chain of title from XXXX XXXX XXXX to Selene.

Selene XXXX XXXX did not adequately respond to my validation request. I sent a second formal validation request via certified mail in XX/XX/XXXX, confirmed delivered. Although Selene replied, their responses lacked sufficient documentation demonstrating the chain of ownership from XXXX XXXX XXXX through any intermediary entities to Selene XXXX XXXX 

Specifically, Selene provided an Allonge showing the debt was transferred from XXXX XXXX to another entity ( XXXX XXXX XXXX  ), but did not provide further documentation linking HGE Loan Series, XXXX XXXX XXXX XXXX ( mentioned as a subsequent owner ), and Selene XXXX XXXX. Public records show that XXXX XXXX XXXX XXXX is not transparently affiliated with Selene XXXX XXXX Without formal documentation establishing how the debt moved from XXXX XXXX through these entities to Selene, their claim remains unsubstantiated.

According to the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide this validation before continuing collection activities. Despite this, they have continued collection attempts and negatively impacted my credit without validating their right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, 15 USC 1681, Section 602 states : " There is an obligation to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and Experian are consumer reporting agencies, and I am the consumer. I have the right to ensure that my private information is not shared without my consent, as supported by 15 USC 6801, which states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Furthermore, under 15 USC 1681a ( 2 ), a " furnisher of information to credit agencies '' is defined as a financial institution. According to 15 USC 1681e, any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

Equifax and Experian have not obtained my written consent to furnish this information, nor do they have my permission to do so. Any and all consent givenwhether verbal, non-verbal, written, implied, or otherwiseis hereby revoked. 

Additionally, under 15 USC 6802 ( b ) ( c ), it states : " A financial institution may not disclose nonpublic personal information to an unaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise such a nondisclosure option. 

Moreover, 15 USC 1681c ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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 of crimes which occurred more than XXXX years prior to the report. '' Since this is an adverse item, their reporting against me without my permission is a violation of the law. 

Further, pursuant to 15 U.S. Code 1681s-2 ( a ) ( 1 ), it states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Lastly, 15 USC 1681 emphasizes that every consumer reporting agency shall maintain reasonable procedures to avoid violations of section 1681 and to limit the furnishing of consumer reports to purposes authorized under section 1681b.

Based on these regulations, I am exercising my right to opt out of your reporting services. I hereby formally request that you cease reporting my information and recognize that I am exercising my right to opt out at any time, pursuant to 12 CFR 1016.7.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 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: TX

Complaint narrative:
Affirm Charge-Off Dispute Company : Affirm Inc XXXX XXXX : XXXX, XXXX Issue Type : Incorrect Reporting / Failure to Respond Appropriately to Dispute or Goodwill Request Description : Affirm Inc reported the above accounts as charged-off. I submitted a formal goodwill request asking for the removal or adjustment of the negative information due to a legitimate financial hardship that temporarily impacted my ability to pay. Despite this, Affirm refused the request, stating that their policy does not allow changes to charge-off statuseseven though the Fair Credit Reporting Act ( FCRA ) does not prohibit such updates. 

Under 15 U.S. Code 1681s-2, furnishers of credit data are required to report accurate and complete information and are not barred from updating or removing charge-offs voluntarily. Additionally, I believe the account verification may not have been conducted in full compliance with FCRA provisions. 

This refusal impacts my credit profile and my efforts to reestablish financial wellness post-hardship. I request regulatory assistance in prompting Affirm to either remove or update the reporting on these accounts as a reasonable resolution. 
Resolution Requested : Deletion or favorable update of charge-off status for accounts XXXX and XXXX. 


CFPB Complaint Template XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLC/FIS Accounts Involved : XXXX Issue Type : Inaccurate or outdated late payment reporting / Lack of response to dispute or goodwill request Description : XXXX XXXX XXXX  is reporting the following issue XXXX multiple late payments between XXXX and XXXX. Despite the account being disputed and a goodwill request submitted, the creditor has failed to correct or appropriately address the reporting. Under 15 U.S. Code 1681s-2, furnishers of information must ensure accuracy and update or remove any unverifiable or incorrect data. 

The continued presence of this derogatory item is harming my credit standing, and I am requesting regulatory intervention to resolve the matter. I have made good faith attempts to contact the creditor and believe I am eligible for an update or removal based on accuracy, aging, or hardship. 
Resolution Requested : Removal or favorable update of reporting for accounts : XXXX.

Company response to consumer: Closed with explanation