vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
Dispute of Inconsistent Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Inconsistent Late Payment Reporting XXXX XXXX Account Dear Dispute Department, I am writing to formally dispute the accuracy of late payment information reported on my XXXX XXXX account ( partial account number XXXX ). 
The payment history reported by Experian, Equifax, and TransUnion is inconsistent. For example, Equifax reports four late payments ( 30, 30, 30, 60 days late ), while TransUnion reports only two late payments ( 30, 30 days late ). The dates and severity of these lates vary across bureaus, and this reflects inaccurate reporting on my credit profile.

I am requesting that you : 1 Conduct a full investigation with XXXX XXXX to verify each reported late payment.

2 Provide written documentation confirming the accuracy of the reported information.

3 Remove any late payment data that XXXX XXXX can not fully verify. 
Please confirm receipt of this dispute and provide me with the results within the required 30-day period under the Fair Credit Reporting Act ( FCRA ). 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
All payments were made. Firstmark erroneously refunded a payment In XXXX and then reported the account past due. I have requested a copy if my payment history and monthly statements but this company refuses to provide me with my monthly statement. They also do not make monthly statements available to me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report.

Enclosed is a list of items that neither belong to me nor were opened with my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems for {$980.00}, originally from XXXX XXXX, appearing on my XXXX XXXX XXXX XXXX  credit reports. 

This account is reporting inaccurate, incomplete, and unverifiable information : 1 Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and reporting unverifiable collections violates this.

2 Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable investigation, which requires competent evidence, not data matching.

3 Under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be promptly deleted.

4 Jefferson Capital has failed to provide validation of this debt, including a signed contract and itemized statements proving liability. 

I am requesting the CFPB to investigate and require Jefferson Capital Systems and the credit bureaus to provide proper validation. If they can not provide full documentation within the required timeframe, I am requesting permanent deletion of this collection from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
i have tried to reach out over the phone even dispute this company removed this from my credit report and later added back which is against the credit reoporting laws. they sent info saying i signed a lease during the process they never told me i was approved because they said i needed a gurantor which i didnt have i never paid any deposits to move in or anything. i only did a walk through of apartment this company did not tell me i signed a lease they told me it was the application link also i would like to see proof where i came into office and actually signed for keys and proof that i moved in this report has caused me not to be able to purchase certain things which is causing harm to me i am currently seeking a lawyer for this matter because this is not fair to me especially to remove this from my credit report and add it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
the original debt owned by Citi bank, I never received any bills or emailed billing statements. I attempted to pay the debt online and over the phone, their systems did not accept the payments, the online account was XXXX and when I tried to pay as a guest the account was not found. this was in XXXX  then the next thing I get is a summons that I was being sued by XXXX XXXX XXXX, I had no idea the debt was sold and due to not being billed I had forgotten about the account.

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 2025-07-07 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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

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 2025-07-07 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: MD

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I found multiple inaccurate and misleading entries which I am formally disputing under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Specifically : 1666 ( b ) ( 4 ) : The creditor failed to reflect payments properly.

1666 ( b ) ( 5 ) : There is a computation or similar accounting error.

1681i ( a ) : You are required to conduct a reasonable reinvestigation of disputed information. 
According to my records, I was not sent a billing statement with at least 21 days notice, which is a legal requirement. As a result, any late payment reporting is invalid. Furthermore, the creditor has failed to provide proper evidence to support the claims made on my credit report. No original billing statements, payment histories, or verifiable documentation have been supplied only generic responses and unverified information. 
If the information can not be fully verified, 15 U.S. Code 1681i ( a ) ( 5 ) clearly states that it must be deleted or blocked from the report. Continuing to report unverified or inaccurate data is a direct violation of the FCRA.

As such, the following accounts must be immediately updated to Paid as Agreed or removed entirely : 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 non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I am requesting a correction to a late payment entry currently appearing on my credit file. Based on my internal records, the payment was not made late, and I believe this report is inaccurate.

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 2025-07-07 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-07 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-07 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:
RE : Request for Investigation and Removal of Inaccurate Late Payments Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Im reaching out regarding a serious error I found on my Equifax credit report involving the above-referenced XXXX XXXX XXXX account XXXX According to my report, two late payments have been recorded on this account. This is both confusing and concerning, as I have never missed a payment on this account.

I take my credit and financial responsibilities very seriously, and this inaccurate reporting is not only misleading but harmful to my credit profile. The Fair Credit Reporting Act ( FCRA ) is clearconsumer reporting agencies must ensure the accuracy of the data they furnish ( 15 U.S.C. 1681e ( b ) ). Reporting two late payments that simply never happened is a clear failure to uphold that standard.

I am formally requesting that Equifax conduct a prompt and thorough reinvestigation into this matter. If the data furnisher insists these late payments are accurate, I am asking that Equifax obtain and provide me with documentationsuch as billing records or statementsclearly showing when these alleged late payments occurred. Absent that evidence, I am requesting immediate removal or correction of this account 's payment history to reflect my current on-time payment record. 

Please confirm receipt of this letter and notify me once the investigation is complete. Im happy to provide any additional documentation you may require to assist in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NJ

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : * Agreement that you have authority to collect on this alleged debt. 
* Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
* Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation