vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear Experian, I am disputing the following items as inaccurate or inconsistent across national CRAs : XXXX ) XXXX XXXX XXXX  XXXX balance discrepancy ( {$490.00} vs. {$640.00} ). 
XXXX ) XXXX XXXXXXXX different bankruptcy and payment status across bureaus. 
XXXX ) Public record verify XXXX XXXX bankruptcy filing ( XX/XX/year> ). 

Please reinvestigate and correct or remove any unverifiable data. 

Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear TransUnion, I am disputing the following items on my report : XXXX ) XXXX XXXX  verify and correct balance discrepancies ( {$490.00} vs. {$640.00} ). 
XXXX ) XXXX XXXX inconsistent reporting of collection details across CRAs. 
XXXX ) XXXX XXXXXXXX Dispute resolved by grantor status not updated accurately post-bankruptcy. 

Please reinvestigate and provide a written response per the FCRA timelines. 


Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear Equifax, I am disputing inaccurate information on my credit report. The following items require reinvestigation : XXXX ) XXXX XXXX balance discrepancy between Equifax ( {$640.00} ) and other CRAs ( {$490.00} ). 
XXXX ) XXXX XXXX XXXX account inconsistency across bureaus. 
XXXX ) Bankruptcy inclusion flags verify accurate court disposition and update affected accounts. 

Please reinvestigate and provide a written response with an updated report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear Experian, I am disputing the following items as inaccurate or inconsistent across national CRAs : XXXX ) XXXX XXXX XXXX  XXXX balance discrepancy ( {$490.00} vs. {$640.00} ). 
XXXX ) XXXX XXXXXXXX different bankruptcy and payment status across bureaus. 
XXXX ) Public record verify XXXX XXXX bankruptcy filing ( XX/XX/year> ). 

Please reinvestigate and correct or remove any unverifiable data. 

Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear TransUnion, I am disputing the following items on my report : XXXX ) XXXX XXXX  verify and correct balance discrepancies ( {$490.00} vs. {$640.00} ). 
XXXX ) XXXX XXXX inconsistent reporting of collection details across CRAs. 
XXXX ) XXXX XXXXXXXX Dispute resolved by grantor status not updated accurately post-bankruptcy. 

Please reinvestigate and provide a written response per the FCRA timelines. 


Re : Request for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Dear Equifax, I am disputing inaccurate information on my credit report. The following items require reinvestigation : XXXX ) XXXX XXXX balance discrepancy between Equifax ( {$640.00} ) and other CRAs ( {$490.00} ). 
XXXX ) XXXX XXXX XXXX account inconsistency across bureaus. 
XXXX ) Bankruptcy inclusion flags verify accurate court disposition and update affected accounts. 

Please reinvestigate and provide a written response with an updated report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Company has repeatedly Failed to Address California Civil Code 2983.2 & 2983.3

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
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 2025-11-12 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

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 2025-11-12 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX To : Credit reporting agency Re : Immediate Removal of Fraudulent XXXX XXXX XXXX Account FCRA 605B / 623 ( a ) ( 6 ) To Whom It May Concern : XXXX XXXX XXXX has completed its investigation and confirmed in writing that the account listed below was opened as a result of identity theft. 
Creditor : XXXX XXXX XXXX Account No. : ( partial ) XXXX Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and 623 ( a ) ( 6 ), I am formally requesting that your agency block and permanently delete all information related to this account from my credit file within four ( 4 ) business days of receipt of this request. 
Enclosed for verification are : XXXX fraud-determination letter ; My police report : XXXX XXXX XXXX department XXXX 


A copy of my government-issued ID and proof of address. 


Please provide written confirmation of deletion and ensure that this information is not reinserted in the future without new documentary proof and written notice as required under FCRA 611 ( a ) ( 5 ) ( B ). 
Thank you for your prompt compliance. 
Sincerely, XXXX XXXX XXXX XXXX : [ XX/XX/XXXX ] XXXX ( XXXX XXXX ) : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my Equifax credit report : Charged-Off Accounts : XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$9400.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$29000.00} Late Payments : XXXX XXXX XXXXXXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting an immediate reinvestigation of inaccurate and unverified information that continues to appear on my credit report. Despite previous disputes and sufficient time for investigation, the account in question remains incorrectly reported. The data reflected on my file is inconsistent and unverifiable under the Fair Credit Reporting Act ( FCRA ). The reporting company failed to provide proof of complete verification or original documentation to support the accuracy of the account. 

These errors have negatively affected my credit score and overall financial standing. I have already taken appropriate steps to resolve the matter directly with the furnisher, but no valid verification has been provided. Therefore, the continued reporting of this information constitutes a violation of my consumer rights under FCRA Sections 609 and 611. 

I am requesting that the bureau reinvestigate this matter promptly and delete any unverifiable or inaccurate information from my credit file to ensure it reflects only verified, accurate, and up-to-date data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target Card Services Goodwill Adjustment Request I am requesting a goodwill adjustment for a late payment reported by Target Card Services on my account ending in XXXX for XXXX XXXX 

At the time, I was directly affected by the federal government shutdown and was temporarily without pay. This unexpected loss of income made it impossible for me to make my payment on time. As soon as I received my back pay, I immediately brought my account current and have made every payment on time since. 

This late payment was a one-time event caused by circumstances completely outside of my control. I take great pride in maintaining good credit and have otherwise demonstrated consistent, responsible payment behavior. 

I am respectfully asking Target Card Services to consider removing or adjusting this late payment as a gesture of goodwill. I have been a loyal and responsible customer, and this goodwill adjustment would fairly reflect my long-term history of reliability and good faith efforts to resolve the matter. 

As a consumer directly impacted by a government shutdown, I am simply seeking understanding and fair consideration for an isolated hardship beyond my control. I appreciate Targets review of my request and the CFPBs assistance in facilitating a resolution that supports responsible consumers during unforeseen financial challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Please review the attached documents ; these inquiries appeared without prior notice and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report with the credit reporting agencies. The items listed below are inaccurate or incomplete, and I request a full investigation and correction of these records. Please find the details of the disputed items separated by credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN
AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am disputing the following accounts listed on my Equifax credit report. I believe these entries are inaccurate and need to be corrected. 

CHARGED OFF XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>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/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 explanation