vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-14 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in the reporting of these payments are both unfair and unlawful.

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 2025-10-14 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: 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 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 2025-10-14 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:
b'Reinsertion of Deleted and Inaccurate Personal Information After Prior Correction (FCRA Violations by Equifax)\n\nComplaint Text:\n\n\nI am filing this complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act (FCRA) regarding the handling of my personal information.\n\n\n\nXXXX XXXX XXXX XXXX, I mailed a certified dispute (USPS XXXX XXXX XXXX XXXX XXXX XXXX  requesting deletion of several outdated and inaccurate addresses on my credit report.\n\n\n\nOn XXXX XXXX XXXX (Confirmation XXXX, Equifax issued an updated report reflecting my correct personal information:\n\nCurrent residential address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (verified)\n\n\n\nHowever, only ten days later, Equifax issued a reinvestigation report dateXXXX XXXX XXXX XXXX XXXX XXXX  showing that previously deleted and inaccurate addresses had been reinserted into my credit file without notice. These addresses are:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   an address that does not exist.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  a business mailing address for employment use only.\n\n\n\nThis constitutes unauthorized reinsertion of deleted data and a failure to maintain accuracy under FCRA 607(b), as well as failure to provide a description of the procedure used to verify under FCRA 611(a)(6)(B)(iii).\n\nEquifax also failed to provide the name of any furnisher or third-party source that caused the reinsertion, violating FCRA 611(a)(5)(B).\n\n\n\nThese actions materially affect the accuracy of my credit file and have caused difficulty in verifying my identity and accessing credit applications.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NC

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 2025-10-14 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: OK

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-10-14 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: SC

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 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
This account does not belong to me and appears as an inaccurate entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-14 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:
I filed CFPB Complaint # XXXX regarding an inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account reporting on my Equifax file . Despite clear evidence that this account was dismissed in court, opened in Georgia ( a state where I do not reside ), and has already been deleted by XXXX, Equifax continues to report it as verified. 
Equifax failed to provide the required Method of Verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and did not conduct a reasonable reinvestigation per 1681i ( a ) and 1681e ( b ). Simply updating minor fields while ignoring the core inaccuracy does not meet legal standards. 
Because XXXX  has already removed this account, and the FCRA requires all consumer reporting agencies to maintain maximum possible accuracy, Equifax must delete this tradeline immediately to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 am writing to dispute these inaccurate addresses and unauthorized inquiry that is currently reporting from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XX/XX/year> 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 2025-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: LA

Complaint narrative:
On Saturday XX/XX/XXXX I sold XXXX old phones that I had and received XXXX seperate payments in the amount of {$770.00} on cashapp to ensure I could pay my light bill for my family. My lights are off and I have a small child and cashapp decided to close my account leaving me with no explanation and a promise of XXXX hours to open my account. They have not delivered on that promise aand XXXX cant withdraw my funds. XXXX message says they have closed my account and the account advocates are saying its suspended. I have asked them to close the account and they refuse holding my funds and leaving my family without electricity or water

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
This account does not belong to me and appears as an inaccurate entry.

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 2025-10-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was charged {$160.00} by XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for a yearly subscription renewal. I had originally subscribed through an Amex promotion in XXXX for {$140.00}, but this year it auto-renewed without my knowledge, without any prior email notification or consent, and at a higher price. 

I canceled the subscription immediately once I noticed the charge, and I have not used the service at all since it renewed. I also contacted American Express to request support, but they declined to dispute the charge or issue a goodwill refund. 

This transaction was processed without my awareness, for a service I did not knowingly approve, did not use, and no longer want. Despite being a loyal Amex customer since XXXX and using multiple cards ( Platinum, Gold, and Blue Cash Preferred ), I received no meaningful support. 

I am now stuck with a {$160.00} charge for something I never used and never intended to renew. I am asking for a full refund and requesting that CFPB investigate this charge and how Amex handled the dispute process. 

Amex Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-14 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Retaliatory and Inaccurate Credit Reporting by GM Financial Subject : Retaliatory and Inaccurate Credit Reporting by GM Financial In XX/XX/XXXX, I lawfully disputed inaccurate information on my credit reports concerning a GM Financial ( AmeriCredit ) auto loan account opened in XXXX and settled in XX/XX/XXXX. Shortly after my dispute, GM Financial altered the reporting across all three credit bureaus in a way that made the account appear more negative and factually incorrect, without any new information to justify the changes. 
Before my dispute, all credit reports consistently showed the account as settled, paid, and closed with a {$0.00} balance. After my dispute in XX/XX/XXXX, GM Financial updated the account to reflect a {$11000.00} written off balance, changed payment history data, altered closure dates inconsistently across bureaus, and even changed the date major delinquency first reported from XX/XX/XXXX to XX/XX/XXXX. These actions immediately followed my lawful dispute and appear retaliatory. 
In reality, GM Financial repossessed the vehicle in XXXX, sold it at auction for more than the balance owed, paid the account in full, and issued me a refund check for the surplus funds. There was no charge-off or debt forgiveness, and GM Financial never filed a required IRS Form 1099-C by XX/XX/XXXX, as would be required for any true write-off. 
These post-dispute actions constitute willful violations of : - FCRA 623 ( a ) ( 1 ) furnishing inaccurate information ; - FCRA 623 ( a ) ( 3 ) retaliation for filing a dispute ; - FCRA 607 ( b ) failure to maintain accuracy ; and - FCRA 611 ( a ) failure to conduct a reasonable reinvestigation. 
Harm : My credit scores dropped and lenders now view the account as newly negative, six years after account was closed Legal Violations These post-dispute actions caused substantial and unjustified damage to my credit profile and appear to constitute violations of : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., The Texas Deceptive Trade Practices Act ( DTPA ), Texas Business & Commerce Code 17.46 ( b ) 1. False Balance Reporting FCRA 607 ( b ), 623 ( a ) ( see 2. Retaliation for Filing a Dispute FCRA 623 ( a ) ( 3 ) 3. Failure to Report Uniformly FCRA 623 ( a ) ( 1 ) ( A ) 4. Improper Potentially Negative Designation FCRA 605 ( a ) ( 5 ) 5. Failure to Conduct a Reasonable Investigation FCRA 611 ( a ) 6. Possible IRS Reporting Violations 26 U.S.C. 6050P ; IRS Pub. 4681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: OH

Complaint narrative:
I used XXXX  to dispute a negative impact to my credit report. Kickoff lending is on my report as a charge off of {$60.00} every month with constant non payments being reported every month in the same amount. In conclusion the debit is saying the highest is roughly XXXX. 

The service kickoff was supposed to be providing was a positive payment history to increase my credit score. When I signed up with them there was no possibility that if I didnt submit my {$5.00} a month payment that I would be reported as non payment. Not only that but a missed payment of {$60.00} that has continued to stack up well over {$700.00}. Simply put, I pay {$5.00} they report it makes good history. I am beyond infuriated that not only was there assurance to receive all my payments back when I was done, with no strings attached but also assurances to have ABSOLUTELY XXXX NEGATIVE IMPACT ON CREDIT SCORE Now Im being told I owe them over {$700.00} when I cant even get my own money I deposited into my own account. They stole from me flat out and are bending me over totaling false claims.

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