vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Unverifiable Late Payments by XXXX XXXX Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute late payment entries reported by XXXX XXXX that appear on my credit report. These entries are inaccurate, unverified, and in violation of my consumer rights under federal law, specifically 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ), which governs the timely crediting of payments and billing accuracy. 

The tradeline for XXXX XXXX on my credit report indicates late payments that I strongly contest. These late payment notations are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Under 15 U.S.C. 1666b, creditors are legally required to apply payments promptly and within the terms agreed upon in the billing agreement. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate any disputed item within 30 days of receiving a consumer dispute. 

I request that you immediately investigate these unverifiable and inaccurate late payment entries and delete them from my credit report. If XXXX XXXX can not provide verifiable documentation proving these payments were indeed late, these entries must be removed in compliance with the FCRA and TILA.

Please provide written confirmation of your investigation results and an updated copy of my credit report reflecting the correction or removal of the inaccurate data. I expect full compliance with federal law and timely resolution within the 30-day period as required.

Thank you for your attention to this matter. 

Sincerely, 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 2025-05-27 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: MD

Complaint narrative:
I REQUESTED ALLY CLOSE MY ACCOUNT WHEN IT WAS PURCHASED FROM XXXX. THEY TOLD ME NO UNTIL IT WAS PAID IN FULL. THEY THEN CLOSED IT IN XXXX AFTER I MADE A PAYMENT ARRANGMENTS. I WAS TOLD AFTER XXXX CONSECUTIVE PAYMENTS THEY WOULD REPORT IT AS CURRENT. IT IS XXXX AND THEY ARE STILL REPORTING AS OVER XXXX  DAYS LATE. EVERY TIME I CALL I GET A DIFFERENT EXPLANATION FOR WHY IT IS REPORTING LATE SO ON XXXX I REQUESTED ALL AUDIO RECORDINGS FROM MY PHONE CALLS. I NEED TO MOVE DUE TO MY LANDLORD SELLING AND I NEED TO GET MY CREDIT SCORE UP AND THIS IS KEEPING MY SCORE DOWN DESPITE MY CONSTANT DISPUTES. I HAVE ATTACHED SOME OF THE WRITTEN INFORMATION I HAVE BEEN ABLE TO GET FROM THEM AND THE CREDIT BUREAUS REGARDING THE DISPUTE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-27 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:
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount Reported : {$12000.00} - Date of First Delinquency : XX/XX/XXXX - Issue : This account is being reported inaccurately. I dispute the ownership, amount, and/or legitimacy of this debt. Under the FCRA, I am requesting full validation and removal if it can not be verified. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Original Creditor : XXXX XXXX - Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Amount Reported : {$200.00} - Date of First Delinquency : XX/XX/XXXX - Issue : I am disputing this account as inaccurate and/or unverifiable. Please investigate the accuracy and provide proper validation. If it can not be substantiated, this entry must be deleted. 
XXXX. XXXX XXXX XXXX - Original Creditor XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount Reported : {$870.00} - Date of First Delinquency : XX/XX/XXXX - Issue : This account is obsolete under FCRA guidelines, as the date of first delinquency is more than XXXX  years ago. Please remove this account immediately. 
XXXX. XXXX XXXX XXXX - Original Creditor XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX - Amount Reported : {$160.00} - Date of First Delinquency : XX/XX/XXXX - Issue : I am disputing the accuracy of this account. Please provide verification and documentation, or delete it in accordance with FCRA Section XXXX. 
XXXX XXXX XXXX XXXX  Ending in XXXX * * Status : Charged off, {$250.00} Issue : This account has had no activity since XXXX and may exceed the XXXX XXXX reporting limit or lack proper validation. 
* * XXXX XXXX XXXX ( Multiple : XXXX, XXXX, XXXX ) * * Status : Collection accounts ( {$470.00} {$580.00} ) Issue : These appear to be duplicate or unverified debt buyer listings for the same original creditors. Please investigate for accuracy and duplication

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 2025-05-27 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony Bank / XXXX has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so Synchrony Bank / XXXX does not even own the debt anymore. Which is another inaccuracy for putting on my credit 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 explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  has fraudulently opened a collection account on my credit report, I don't know them nor conducted any business with them. I have disputed this many times through my XXXX XXXX account. But they denied to close the account. I don't owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-27 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: DC

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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: WI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-05-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Request for Validation and Disclosure of Information Under 15 U.S. Code 1681b and 1681g ( a ) ( 1 ) ( A ) To Whom It May Concern : This letter is a formal request for validation and investigation of a debt entry that appears on my credit report. I am disputing the accuracy and validity of the following account : Account Name : XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Pursuant to the Fair Credit Reporting Act, I am exercising my rights under : 15 U.S. Code 1681b, which outlines the permissible purposes for which consumer reports may be furnished. I am requesting that you verify that any party reporting this debt to Experian had a legally permissible purpose to access and report my information.

15 U.S. Code 1681g ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to disclose to the consumer the identities of all persons who have obtained a consumer report for employment, credit, insurance, or other purposes during the past year.

I request that Experian : 1. Provide the full validation of the alleged debt, including the name and address of the original creditor and the documentation used to verify the account.

2. Identify all entities that have reported this account and confirm they had a permissible purpose under 1681b.

3. Remove the account from my credit report if it can not be validated or shown to have been reported with proper authorization.

Please consider this letter a formal dispute of the account. Under the FCRA, you are required to complete an investigation within 30 days and provide me with the results in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
* [ XXXX XXXX ] * * XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Pa XXXX XXXX SSN : XXXX * * XXXX * TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX USA Subject : Dispute of Fraudulent XXXX XXXX Account Identity Theft I am writing to formally dispute a fraudulent account reported on my credit report. The account details are as follows : - * * Company/Organization : * * XXXX XXXX - * * Account Number : XXXX XXXX XXXXXXXX - * * Date Fraud Discovered : * * XX/XX/XXXX - * * Date of Dispute : * * XX/XX/XXXX - * * Total Fraudulent Amount : * * {$330.00} This account is not authorized by me and is a result of identity theft. I have attached a copy of the FTC Identity Theft Report for your reference. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent account be removed from my credit report immediately. Please conduct an investigation and delete this account from my credit history to reflect my true credit profile.

Under 15 U.S.C. 1681c-2 ( a ), you are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receipt of this notice.

I kindly request written confirmation once this matter has been resolved. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX * * Attachments : * * - FTC Identity Theft Report ID SSN PROOF OF ADDRESS

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 2025-05-28 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

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 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Arivo Acceptance, LLC
State: WA

Complaint narrative:
I reached out to XXXX prior to my due date about having switched jobs and needing to make a change to my payment arrangement I spoke with XXXX and he decided to use aggressive and coercive language and I felt threatened. This car is my families only mode of transportation and is vital to our survival. Attached are screenshots of our conversation today. This is now the 3rd or 4th time this company has done this. XXXX has acted this way previously and XXXX has tried to throw weight multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation