vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
All three credit bureausXXXX Experian, and XXXXare reporting a closed auto loan account from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) with a past-due status and balance of {$0.00}. It is illogical and misleading for a closed account that has no remaining balance or delinquency to continue being coded as delinquent. This type of reporting distorts the true financial history of the account and misrepresents my payment behavior to current and potential creditors. The account is paid off and closed, so it should no longer be reflected with derogatory notations. Under 15 USC 1666b, creditors are required to apply payments in a fair and timely manner, and 15 USC 1681e ( b ) obligates credit reporting agencies to report that data accurately. The continued presence of a past-due status despite a {$0.00} balance clearly violates those legal requirements.

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 2025-05-01 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: CA

Complaint narrative:
THIS LATE PAYMENT IS DUE TO AN ERROR BY THE DEALERSHIP WAS HAS FINANCING RELATIONSHIP WITH XXXX. I HAVE ATTACHED A COPY OF XXXX DIFFERENT CONTRACTS THE DEALERSHIP CREATED. THERE WAS AN OBVIOUS ERROR BY THE DEALER FOR THEM TO REWRITE THE CONTRACT AND THEY MADE IT EVEN WORSE. THE XXXX  CONTRACT DATED XX/XX/year> DOES NOT HAVE MY XXXX XXXX HAS FALSE EMAIL ADDRESS ( XXXX. THIS IS NOT MY EMAIL ) AND DOES NOT HAVE MY PHONE XXXX  INCLUDED ON THE CONTRACT. PLEASE SEE THE DATE LISTED AT THE BOTTOM OF EACH CONTRACT. PLEASE REMOVE THE LATE PAYMENT ASAP. I HAD MORE THAN ENOUGH FUNDS TO COVER MY MONTHLY OBLIGATION AND CAN PROVIDE PROOF IF NEEDED. PLEASE REMOVE THIS ERRONEOUS LATE PAYMENT FROM MY CREDIT. THANK 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 non-monetary relief
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
THIS LATE PAYMENT IS DUE TO AN ERROR BY THE DEALERSHIP WAS HAS FINANCING RELATIONSHIP WITH XXXX. I HAVE ATTACHED A COPY OF XXXX DIFFERENT CONTRACTS THE DEALERSHIP CREATED. THERE WAS AN OBVIOUS ERROR BY THE DEALER FOR THEM TO REWRITE THE CONTRACT AND THEY MADE IT EVEN WORSE. THE XXXX  CONTRACT DATED XX/XX/2024 DOES NOT HAVE MY XXXX XXXX HAS FALSE EMAIL ADDRESS ( XXXX. THIS IS NOT MY EMAIL ) AND DOES NOT HAVE MY PHONE XXXX  INCLUDED ON THE CONTRACT. PLEASE SEE THE DATE LISTED AT THE BOTTOM OF EACH CONTRACT. PLEASE REMOVE THE LATE PAYMENT ASAP. I HAD MORE THAN ENOUGH FUNDS TO COVER MY MONTHLY OBLIGATION AND CAN PROVIDE PROOF IF NEEDED. PLEASE REMOVE THIS ERRONEOUS LATE PAYMENT FROM MY CREDIT. THANK 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 2025-05-01 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: GA

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 2025-05-01 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: FL

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 non-monetary relief
Consumer complaint received 2025-05-01 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: LA

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 2025-05-01 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year> an order was placed and subsequently cancelled. A second order was placed from the same company and is correct and should be completed and paid. The store ( XXXX XXXX ) refunded the card company and Affirm posted the refund to the active purchase instead of the cancelled order. I have provided them with proof several times, disputed and called them at least 10 times to request they post the refund to the correct cancelled order and XXXX  out that " purchase ''. They now show two separate purchases with two separate interest rates, two origination fees and two monthly payments for a singular purchase. They have the refund, I have provided them every single piece of information, they acknowledge it all and continue to not adjust their posting of the refund. I have spoken with supervisors who always repeat the same scripted response and they are not resolving the issue. I am going in circles, can't get anyone on shore to speak with and now my credit is affected because I am not paying a refunded loan that they failed to post the correct refund to for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: OR

Complaint narrative:
My loans were forgiven with Public Service Loan Forgiveness as of XX/XX/year>. In a recent credit check to appy for a mortgage loan, my student loans STILL showed up. They have had OVER A XXXX to take care of this and they have not. I demand Mohela XXXX out my balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year>. I request a thorough investigation int these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unbales to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without 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 2025-05-01 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion FACTUAL DATA XX/XX/XXXX TransUnion FACTUAL DATA XX/XX/XXXX TransUnion CREDIT TECH XX/XX/XXXX TransUnion FACTUAL DATA XX/XX/XXXX TransUnion FACTUAL DATA XX/XX/XXXXXXXX XXXX VIBRANT CREDIT UNION XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-05-01 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-01 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: TX

Complaint narrative:
Violations of Bill 5480 and Regulation V ( 12 CFR Part 1022 Fair Credit Reporting Act Implementation ) The reporting and furnishing of the above accounts violate Bill H.R. 5480, also known as the Medical Debt Relief Act and Consumer Financial Protection Enhancement Bill, which imposes strict limits on how any financial product linked to medical services, healthcare credit arrangements, or self-lending programs derived from therapeutic care may be handled, disclosed, or reported to credit bureaus. Under Bill 5480 : Furnishers are prohibited from reporting any account or tradeline derived from or tied to medical, therapeutic, or wellness-related services unless full informed consent and opt-in disclosures are provided at the point of origination. Any medical-linked financial productsuch as secured credit lines, self-lender instruments, or care-related credit productsrequires heightened compliance protocols, including proof that the consumer knowingly authorized the reporting and was not misled into commercial credit classification. The bill enhances consumer identity protection, making it a federal violation to use or report any data point connected to medical services without a HIPAA-compliant release and full verification of accuracy. In parallel, Regulation V ( 12 CFR Part 1022 ) which implements the Fair Credit Reporting Actrequires that : Furnishers and consumer reporting agencies must ensure the accuracy and integrity of the information they report ( 1022.42 ). Consumers must be given a clear and conspicuous notice regarding any adverse action or negative reporting, especially when involving sensitive or health-derived financial data. Data obtained or used without a legitimate purpose or permissible use under FCRA or Regulation V constitutes a furnishing violation and triggers the right to deletion, investigation, and civil liability. The accounts listed are suspected to be derived from or influenced by health-related financing activity and were reported without required disclosures, consents, or accurate identity validation, in direct breach of both Bill 5480 and Regulation V. As such, these violations form a strong basis for immediate deletion, enforcement complaints, and potential legal relief under civil and criminal statutes

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