vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
This is a supplemental complaint related to CFPB XXXX # XXXX. 

I am submitting additional documentation to prove that my payment to XXXX ( XXXX ) was made in full and on time, yet I continue to be reported as delinquent. The original dispute included bank records and confirmation of bill pay. Since then, XXXX has refunded my payment, then falsely claimed I still owe the balanceand even increased it.

Despite clear proof, this account is still harming my credit. Im requesting the CFPB to fully review the attached documentation and require the creditor to : Correct or delete the negative tradeline.

Remove all false charges and late payment reporting.

Confirm in writing that the matter is resolved. 

I have contacted XXXX XXXX this issue since XXXX, yet as of XXXX, my XXXX report still shows a 30-day delinquency for XXXX, even while listing the account as current. The timing is not only inaccurate, but it also contradicts the fact that I paidand later had the payment mysteriously returned to me. This has affected my XXXX score across multiple bureaus, including XXXX, Experian, and XXXX 


A signed PDF document and bank evidence are included with this supplemental complaint. Thank you for your help resolving this ongoing issue.

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 2025-06-30 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: NY

Complaint narrative:
Upon checking my credit report I have noticed some fraudulent accounts on y credit report. Please investigate these accounts as it hurt my ability to obtain credit.

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 2025-06-30 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 an account or transaction that appears to be the result of identity theft. I did not authorize this account or any associated activity, and I am requesting that it be investigated and permanently removed from my credit report. 

Disputed Information : XXXX XXXX XXXX Account # XXXX Details : I have never applied for, opened, or used the above-mentioned account. It was opened and/or used without my knowledge or permission and is a clear case of identity theft. I am formally requesting the removal or correction of this fraudulent item from all records and systems, including credit bureau reporting, under the protections afforded by the Fair Credit Reporting Act ( FCRA ).

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 2025-06-30 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: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
On XX/XX/year> I was accused of being late as well as XX/XX/year>. I was never late with the company and my file is actually paid in full. The account is self lender.

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 2025-06-30 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: FL

Complaint narrative:
XX/XX/XXXX Via CFPB Portal Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Re : Response to XXXX XXXX / XXXX Complaint ID No. XXXX Consumer : XXXX XXXX To Whom It May Concern, I am writing to follow up on the response provided by Avant LLC regarding my previous complaint and dispute of inaccurate information appearing on my credit report. 

I respectfully disagree with XXXX conclusion that their reporting was accurate. Despite my multiple formal disputesincluding my original filing on XX/XX/XXXX, and again on XX/XX/XXXX, XXXX have not been provided with any verifiable documentation substantiating the alleged XXXX late payment for XX/XX/XXXX. Instead, XXXX  refers me to their dashboard and reiterates general policies from their Cardmember Agreement, but fails to provide : A complete ledger of payments and dates received ; Documentation proving notification of late payment was sent and received ; Clear evidence validating that the payment in question was actually XXXX days late under the FCRA definition. 

Furthermore, my credit file currently reports this account as Current and with a {$0.00} Past Due balance, which contradicts the derogatory status previously reported. XXXX own response also states that only XXXX XXXX delinquency was reported, despite the credit bureaus initially showing both XXXX and XXXX late marks, which signals inconsistency and further supports my claim of inaccurate or unverifiable data. 

Under the Fair Credit Reporting Act ( FCRA ), data furnishers like XXXX are required to maintain reasonable procedures to ensure maximum possible accuracy of information they report ( XXXX ). If they are unable to fully verify the negative item with documented evidence, they are obligated to delete the item. 

Therefore, I am requesting the following : A copy of the full payment history and date-stamped ledger supporting the alleged delinquency ; A copy of any proof of notice sent to me regarding the alleged late payment ; If verification can not be completed in accordance with the FCRA, I request immediate deletion of the derogatory marks from my credit reports ; A formal notice of the reinvestigation results and an updated copy of my credit report as required by XXXX XXXX Code XXXX ( a ) ( XXXX ). 

This account has caused undue damage to my credit profile, and XXXX has not met the burden of proof required to continue reporting derogatory information. I am requesting CFPBs assistance to ensure compliance with federal credit reporting laws and protect my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX is inaccurately reporting my account as delinquent to the credit bureaus, despite the fact that I am in an active [ forbearance/payment arrangement ] and have complied fully with the agreed-upon terms. 



Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Nature of Arrangement : Temporary payment reduction approved on XXXX or XX/XX/XXXX due to financial hardship. ] Current Status : I have made all scheduled payments of {$210.00} as agreed under this arrangement. 

Despite this, my credit report indicates that I am [ 30- 120+ days late for XX/XX/XXXX- XX/XX/XXXX ], which is inaccurate and misleading. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are legally obligated to report only accurate information. Reporting a delinquency while I am current under a valid agreement violates this provision.

In addition, Section 4021 of the CARES Act, which amended the FCRA, states that if a borrower receives a payment accommodation ( such as forbearance or a modified repayment plan ) due to hardship, and is complying with the terms, the account must be reported as current.

The Consumer Financial Protection Bureau ( CFPB ) has also clarified in its XXXX guidance that creditors must not report consumers as delinquent if they are meeting the terms of a hardship agreement.

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 2025-06-30 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I spoke with XXXX XXXXXXXX XXXX  customer service, and they told me I could make partial payments on my car loan, which wouldn't affect my credit. They also reported to my credit score that I hadn't made any payments for XXXX, XXXX, and XX/XX/year>. I've attached a transaction history showing my payments for those months.

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 2025-06-30 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: FL

Complaint narrative:
I spoke with XXXX XXXXXXXX XXXX customer service, and they told me I could make partial payments on my car loan, which wouldn't affect my credit. They also reported to my credit score that I hadn't made any payments for XXXX, XXXX, and XX/XX/year>. I've attached a transaction history showing my payments for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I spoke with XXXX XXXXXXXX XXXX customer service, and they told me I could make partial payments on my car loan, which wouldn't affect my credit. They also reported to my credit score that I hadn't made any payments for XXXX, XXXX, and XX/XX/year>. I've attached a transaction history showing my payments for those months.

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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I just rencently check my credit and found I got an charge off with XXXX account with SYNCB/PPC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Amount {$2200.00} which I dont know why they put in charge off. I no idea about this credit using? 
They used my old dress in XXXX XXXX XXXX I moved out of there in XXXX and of course I didnt received any contact or communication with them? 
I saw my account been used and payment to XX/XX/XXXX and stop payment I no idea what happens

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
I open an account with the current app with my VA disability payments at first my cash advance started out low but every month it would increase with my direct deposit I've been in about XXXX Cash advance for the past 45 months every month I pay it the fee which is {$40.00} they take it out of my direct deposit and I get the advance again it's kind of built into my income I live alone it's just me and I live off my veteran service-connected disabilities. So I get my deposit is coming in so when I get paid they take the deposit the thing out I go and pay all my bills knowing that I still have that {$750.00} cash advance because I just paid it off with a direct deposit pay all my bills and go back and they denied redoing it for and would not give me a reason thus may not being able to pay my rent they did not let me know in advance they just took their fee and they would not assist me in getting it. 
When I called them they said I could not they could not tell me why but there could be several reasons I looked into it because there was last month I got paid early because of the holidays so it was more than 35 days between deposits That's why they did it and they misleading and they really just I don't know what I'm going to do and then won't even work with me I haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Illinois Collection Service, Inc.
State: TX

Complaint narrative:
Please provide me with the following : 1.Forward Flow Agreement ( FFA ) 2. Chain of Assignment 3.Insurance Claim of Debt 4. My signature agreeing to pay Therefore, all collection efforts concerning this debt shouldIMMEDIATELY CEASEuntil verification.

If not provided please remove accounts from 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 2025-06-30 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Please provide me with the following : 1.Forward Flow Agreement ( FFA ) 2. Chain of Assignment 3.Insurance Claim of Debt 4. My signature agreeing to pay Therefore, all collection efforts concerning this debt shouldIMMEDIATELY CEASEuntil verification.

If not provided please remove accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ XXXX ; Thomas v. TransUnion  XXXX XXXX ). 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased merchandise through Best Buys website using my Best Buy Visa Platinum credit card issued by Citibank. Best Buy selected the delivery carriers ( XXXX XXXX XXXX I did not choose them. On XX/XX/year>, the carriers claimed the package was delivered, but I never received it at my address. No signature was obtained. The only delivery evidence is a blurry photo that does not show my residence or confirm valid delivery. 

When I contacted Best Buy customer service, I was told I would receive a refund. I waited in good faith, but later Best Buy reversed their position and refused the refund. I filed a police report and disputed the charge with Best Buy, Citibank, and the credit bureaus. 

I escalated the dispute to the executive teams of Best Buy and Citibank, providing detailed evidence. Best Buy refused to reconsider, relying on a " destination contract '' that I was never provided at purchase or in any debt validation materials. Best Buy incorrectly claimed I chose the carrier, which is untrue. Best Buys internal policy does not override federal law or excuse failure to provide valid proof of delivery. 

Citibank accepted Best Buys position without conducting a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) and reported inaccurate information to the credit bureaus. They failed to mark the account as disputed as required ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ) ). XXXX XXXX XXXX attempted collection without providing new or meaningful debt validation and continued to call me despite being informed that I dispute the debt ( potential violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ) ). 

I disputed this inaccurate account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sent me mailed dispute results ( included ). XXXX  did not provide mailed confirmation. 

The attached documents provide the timeline, communications, and evidence supporting my complaint.

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