vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10.00} Date Opened : XXXX Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

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 2025-05-20 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-20 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-20 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: TX

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 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-05-20 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: GA

Complaint narrative:
I am filing a complaint against the U.S. Department of Education XXXX XXXX XXXX and the credit bureau for continuing to report a closed student loan account. 

On XXXX XXXX XXXX, I submitted a formal dispute and requested verification of this account under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ).

I specifically asked for : The original signed Master Promissory Note ( MPN ) or contract Legal proof of ownership or servicing authority Full account and payment history No documentation was provided within the 30-day period.

Under FCRA 611, a credit reporting agency must delete any account that can not be verified. This account remains on my report without valid proof and is negatively impacting my credit profile. 

I am requesting CFPB intervention to ensure deletion.

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 2025-05-20 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-05-20 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: AZ

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management. I received a call from them on XX/XX/year> at XXXX XXXX XXXX XXXX. New York State debt collectors are not allowed to call before XXXX. The number called from is ) XXXX ) XXXX. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE SUBMITTED MULTIPLE IDENTITY THEFT DISPUTES TO EXPERIAN ADVISING OF THE FOLLOWING INCORRECT INFORMATION DUE TO REPORTED IDENTITY THEFT. I CONTINUE TO GET A RESPONSE THAT MY SOCIAL SECURITY NUMBER IS NOT PROVIDED SO THEY CAN NOT PROCEED. THE DISPUTE OF AFFIDAVIT LISTS MY FULL SOCIAL SECURITY NUMBER AND I EVEN ATTACHED A COPY OF MY SOCIAL SECURITY CARD WITH THE DISPUTES. AT THIS POINT EXPERIAN IS REFUSING TO EVEN ACCEPT MY DISPUTE OF IDENTITY THEFT. 

I am writing to formally demand that you, as a credit reporting agency, immediately block all fraudulent, inaccurate, and false information from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You are required to complete this action within four ( 4 ) business days of receiving this complaint. 
The fraudulent information in question includes the following Names, Address and Accounts : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/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 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 These illegitimate accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my FICO credit report. Enclosed with this letter, you will nd a detailed list of the disputed hard inquiries and a copy of my consumer FICO credit report maintained by your agency, clearly displaying these fraudulent items. 
I do not recognize any of the aforementioned accounts, collections, or hard inquiries. These items were never opened, initiated, or authorized by me and are the direct result of identity theft and fraud. Attached is the FTC Identity Theft Criminal Complaint # XXXX, serving as incontrovertible proof from the US Federal Trade Commission that these credit accounts, collections, and hard inquiries are fraudulent. 
I demand that you take swift and decisive action to remove this fraudulent information from my credit report immediately. Failure to comply with this request within the specied timeframe will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau and pursue all available legal remedies to protect my rights and nancial standing. 
Consider this your nal notice to rectify this serious and unlawful issue without further delay.

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 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a credit account with " Zale 's ''. I admittingly have been behind on payments. I have been trying to catch myself up but have been unable to and was unsure why, being that I'm enrolled in a hardship program that Zale 's offers. this program includes no additional interest on payments for 3 month to help me get on track. I was just able to get logged into my Zale 's account online to see my account and transaction history. in doing such I noticed that not only am I being charged ADDIONAL interest every month of {$42.00} along with late fees of XXXX when in fact I paid 1 day before my due date so as they say its not accepted as payment for that. on XXXX-25 I made two separate payments {$100.00}, {$75.00}. to then in turn be charged a late fee of {$41.00} on XXXX. my payment due date for XXXX  was XXXX25. On XXXX-25 I was charged with a {$42.00} for interest charge on purchases. How can I be charged interest of purchase multiple times for the same purchase which was years ago. My monthly payment amount is {$59.00} on the first of every month. Around the XXXX or XXXX of every month my Zale 's account is charged {$42.00} interest fees. Making a maximum amount of {$17.00} a month going towards my principle balance making it nearly impossible to pay a minimum balance of {$59.00} and seeing my {$1600.00} account even get close to a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear 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 2025-05-20 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-20 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: SC

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX XXXX XXXX XXXX for reporting false credit information, harassing phone calls, and mishandling an approved hardship repayment plan. 

In XX/XX/XXXX, I entered into a hardship program with XXXX XXXX  requiring $ XXXX monthly payments for three months. I made all payments on time, submitted all required documents, and received written confirmation that my account was in good standing with no full payment due until XX/XX/XXXX. 

Despite this, XXXX XXXX XXXX  Reported late and missed payments to all three credit bureaus Called me excessively ( 10+ times per day ), which violates FDCPA 806 Displayed inconsistent balances and due dates Ignored multiple calls I made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where I spoke with a rep named XXXX who acknowledged the issue but failed to resolve it This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to maintain accurate records FCRA 611 & 616 refusing to correct false data after notification FDCPA 806 harassing communications

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 2025-05-20 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: SC

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX XXXX XXXX XXXX for reporting false credit information, harassing phone calls, and mishandling an approved hardship repayment plan. 

In XX/XX/XXXX, I entered into a hardship program with XXXX XXXX requiring $ XXXX  monthly payments for three months. I made all payments on time, submitted all required documents, and received written confirmation that my account was in good standing with no full payment due until XX/XX/XXXX. 

Despite this, XXXX XXXX : Reported late and missed payments to all three credit bureaus Called me excessively ( 10+ times per day ), which violates FDCPA 806 Displayed inconsistent balances and due dates Ignored multiple calls I made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where I spoke with a rep named XXXX who acknowledged the issue but failed to resolve it This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to maintain accurate records FCRA 611 & 616 refusing to correct false data after notification FDCPA 806 harassing communications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX XXXX XXXX XXXX for reporting false credit information, harassing phone calls, and mishandling an approved hardship repayment plan. 

In XX/XX/XXXX, I entered into a hardship program with XXXX XXXX, requiring $ XXXX monthly payments for three months. I made all payments on time, submitted all required documents, and received written confirmation that my account was in good standing with no full payment due until XX/XX/XXXX. 

Despite this, XXXX XXXX XXXX Reported late and missed payments to all three credit bureaus Called me excessively ( 10+ times per day ), which violates FDCPA 806 Displayed inconsistent balances and due dates Ignored multiple calls I made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where I spoke with a rep named XXXX who acknowledged the issue but failed to resolve it This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to maintain accurate records FCRA 611 & 616 refusing to correct false data after notification FDCPA 806 harassing communications

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 2025-05-20 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: MD

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX  XXXX Balance {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX  XXXX Balance {$21000.00}

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My Apple/Goldman Sachs credit card account was compromised in XX/XX/XXXX. I immediately reported charges as fraudulent once I learned of the activity ( within 2 days ). 
For months, I went back and forth to dispute all the charges which occurred after the date of XX/XX/XXXX. While many were deemed fraudulent, I still ended up with a balance of {$2300.00}. Apple/Goldman agreed to " charge off '' the account, meaning they would stop sending me bills and not seek to collect the amount.

Despite this charge off, I saw the amount still showing up on my credit report as an outstanding balance.

I re-engaged Apple/Goldman last month, opening a case with the CFPB, which the bank responded to. Despite their findings, I am opening another case as the information they have communicated is inaccurate. Please find information from my call today, XX/XX/XXXX, to shed further light on this ongoing matter. 


- My balance was 100 % paid off on XX/XX/XXXX to bring it to {$0.00} - Thereafter, my approved/consensual transactions totaled {$290.00} in the month of XXXX - XXXX last approved transaction was on XX/XX/XXXX. Every charge thereafter, which I communicated multiple times to Apple/Goldman Sachs IMMEDIATELY after learning of the fraud in XXXX, was done maliciously and without my consent - How do I have a balance of {$2300.00} when my approved transactions only totaled {$290.00}? Where is the misunderstanding? 
- As has been a trend with Apple Goldman customer support, I was AGAIN transferred among multiple departments today, having to re-introduce my claim/dispute several times. This has been ongoing for XXXX years. The individual from your " disputes '' department took down all of the information, we reviewed the legitimate/fraudulent transactions ( again ), came to a conclusion that my legitimate transactions totaled only {$290.00}, and I was thereafter transferred to the collections department, with no warning. 
- I have opened up yet ANOTHER case to dispute the transactions from XXXX, and will continue to do so until this is addressed with the diligence it deserves

Company response to consumer: Closed with explanation