vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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 formally dispute a late payment entry on my credit report which I strongly believe is inaccurate. I have maintained a consistent record of making all payments on time, and this particular entry does not align with my documented history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX  XXXX ( Account ending in XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate and misleadiing information being reported on my TransUnion credit file regarding the above-referenced account. This letter is a demand for reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and disclosure of your procedures under 1681i ( a ) ( 7 ). 

Specifically, this account is reported with a XXXX late payment in XX/XX/XXXX, despite the account being closed at the consumer 's request and paid in full with a {$0.00} balance. The notation Paid, Closed ; was 30 days past due date is inaccurate and harmful to my credit standing. 

According to Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), consumer reporting agencies must go beyond a superficial verification and conduct a reasonable reinvestigation. Mereely repeating what the furnisher states without scrutiny violates your obligations. 
Additionally, in Richardson v. Equifax Info. Servs., LLC , 2021 WL 4264384 ( 11th Cir. Sept. 20, 2021 ), the court held that reporting a late payment after an account was closed and paid in full may mislead creditors and harm consumers, constituting a violation of the Fair Credit Reporting Act. 

Because the account is paid in full and closed, and no outstanding delinquency remains, there is no permissible basis for reporting a delinquency on a closed, zero-balance account. Reporting this item as late creates a materially misleading impression of my payment history. 

Action Requested : Remove the XXXX late payment from XX/XX/XXXX Update the Pay Status to reflect : Paid in full Closed at consumers request Never late Provide written confirmation of the outcome of your reinvestigation along with a statement of the procedures used ( per 1681i ( a ) ( 7 ) ) If this matter is not resolved within 15 days as required by law, I will pursue all remedies available under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, and attorneys fees. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX  XXXX ( Account ending in XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate and misleadiing information being reported on my TransUnion credit file regarding the above-referenced account. This letter is a demand for reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and disclosure of your procedures under 1681i ( a ) ( 7 ). 

Specifically, this account is reported with a XXXX late payment in XX/XX/XXXX, despite the account being closed at the consumer 's request and paid in full with a {$0.00} balance. The notation Paid, Closed ; was 30 days past due date is inaccurate and harmful to my credit standing. 

According to Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), consumer reporting agencies must go beyond a superficial verification and conduct a reasonable reinvestigation. Mereely repeating what the furnisher states without scrutiny violates your obligations. 
Additionally, in Richardson v. Equifax Info. Servs., LLC , 2021 WL 4264384 ( 11th Cir. Sept. 20, 2021 ), the court held that reporting a late payment after an account was closed and paid in full may mislead creditors and harm consumers, constituting a violation of the Fair Credit Reporting Act. 

Because the account is paid in full and closed, and no outstanding delinquency remains, there is no permissible basis for reporting a delinquency on a closed, zero-balance account. Reporting this item as late creates a materially misleading impression of my payment history. 

Action Requested : Remove the XXXX late payment from XX/XX/XXXX Update the Pay Status to reflect : Paid in full Closed at consumers request Never late Provide written confirmation of the outcome of your reinvestigation along with a statement of the procedures used ( per 1681i ( a ) ( 7 ) ) If this matter is not resolved within 15 days as required by law, I will pursue all remedies available under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, and attorneys fees. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OPTUM BANK, INC.
State: MA

Complaint narrative:
I have an existing XXXX with Optum Bank. This was the plan my employer had a relationship for employees. After leaving my employer I did not like the fees that were being charged by Optum Bank on the XXXX account. On XX/XX/year>, I contacted XXXX and setup a XXXX XXXX so that I could transfer the funds and close out the Optum XXXX XXXXXXXX requested the funds from Optum to be transferred to the new XXXX account. The funds still have not been transfered. I get the runaround from Optum Bank on when this will take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: 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 2025-07-09 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nationwide Arbitration Services LLC
State: NC

Complaint narrative:
I have a 2019 data breach id theft error credit report account hack with the legal department. My account was fraudulent accessed by a data broker with a tax kien i {$140000.00} and my account was inaccessible with the log in. Suspicious activity on the account was showing a bar citation with a error in the credit report with twingate pawned website. The account was reversed mortgage and went into arbitration. The account was compromised and the legal department arrested XXXX XXXX data broker for hacking snowflake cloud storage with eratic nickname. The account was sent to the credit report with a inaccessible reversed mortgage bankruptcy. I have a id restoration theft with the broker. I want to place a fraud alert on my id restoration policy. I have a breach of contract with the legal department. The data breach with XXXX  showing a compromise of my account with a bankruptcy with XXXX XXXX. I have a citation of fidicuary duty with a FTC report with a IC3 complaint. My account was in litigation with the settlement administration asked me to contact a attorney. I have a data breach litigation dispute. My account was criminally hacked by cyber security incident with XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered XXXX XXXX XXXX XXXX  back on XX/XX/2025 under order # XXXX. There was a box/package delivered on XX/XX/XXXX however upon opening the box there was nothing but a bunch if brown packing paper and some small empty boxes. None of what i ordered was delivered. I contacted XXXX  and game stop right away just to be lead into weeks of followups to ultimately being ignored.theres for I opened a dispute with my bank chase and let them know what i paid for was never delivered to me and wanted to recover my {$680.00} dollars. I was given a credit for that amount snd was recently told that it was going to he reversed because they concluded the charge was legit from me which makes no sense. I told them if they had a signature upon delivery from the vendor and they said no yet still didnt change the outcome. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
XXXX XXXX XXXX XXXXXXXX Report date : XX/XX/year> was opened and paid off without my knowledge or consent. This not my account and does not belong to me. 


I AM AN VICTIM OF identity THEFT. I HAVE DISPUTED THIS ACCOUNT ON NUMEROUS occasions AND EXPERIAN, EQUIFAX AND TRANSUNION HAVE FAILED TO REMOVE AND BLOCK THIS fraudulent LOAN FROM appearing ON MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Report date : XX/XX/year> was opened and paid off without my knowledge or consent. This not my account and does not belong to me. 


I AM AN VICTIM OF identity THEFT. I HAVE DISPUTED THIS ACCOUNT ON NUMEROUS occasions AND EXPERIAN, EQUIFAX AND TRANSUNION HAVE FAILED TO REMOVE AND BLOCK THIS fraudulent LOAN FROM appearing ON MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I am disputing invalid inquiries reported by XXXX on my credit report. This inquiries is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX, us bank abruptly closed all my two us bank credits without proper reasons. It brings me huge inconvenience. 

I have been a responsible us bank customer for years and I was shocked to discover my credit cards has been closed. I didnt receive any communication from the bank and later a letter just said rudely that they can close by any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CT

Complaint narrative:
I have become aware that my credit report contains fraudulent accounts that were never opened or authorized by me. The presence of these false entries indicates a misuse of my identity and must be addressed urgently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 reporting a fraudulent federal student loan that was opened in my name without my knowledge or consent. I did not authorize this account or apply for any student loans. I filed an FTC Identity Theft Report and informed the credit bureaus and the servicer, but the account remains on my credit report. I am requesting immediate removal of this inaccurate information under the Fair Credit Reporting Act ( FCRA ) 602A, which protects victims of identity theft. This account is negatively affecting my credit, and I need this issue corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am reporting a fraudulent federal student loan that was opened in my name without my knowledge or consent. I did not authorize this account or apply for any student loans. I filed an FTC Identity Theft Report and informed the credit bureaus and the servicer, but the account remains on my credit report. I am requesting immediate removal of this inaccurate information under the Fair Credit Reporting Act ( FCRA ) 602A, which protects victims of identity theft. This account is negatively affecting my credit, and I need this issue corrected as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found several mistakes that Experian, Trans Union and Equifax are reporting on my credit file. Names, addresses, inaccurate balances etc. I disputed the items on Experian XX/XX/XXXX, XXXXto no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I recently reviewed my credit report and found several mistakes that Experian, Trans Union and Equifax are reporting on my credit file. Names, addresses, inaccurate balances etc. I disputed the items on Experian XX/XX/XXXX, XXXXto no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Old debt from over 7 years ago reported recently as new debt by bill collector and resetting the legal clock and harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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