vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate late payment history on my consumer credit file in violation of XXXX XXXX Compliance Guidelines and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ). Specifically : The accounts in question misreport XXXX XXXX XXXX of XXXX by listing erroneous or misleading late payment statuses. 

They also contain errors in XXXX XXXX Date of First Delinquency, including re-aging and inconsistent reporting across months. 

These late payment entries are over XXXX XXXX XXXX, no longer reflect my current payment behavior, and serve no justifiable purpose except to harm my score. 

The furnisher and credit bureau have failed to provide any documentation verifying the accuracy of this data despite multiple disputes. 

This is not a simple error this is a clear compliance failure that affects my financial health, interest rates, and access to credit. I requested deletion based on these violations, and the bureau has refused to correct or remove the data, even though its outdated, unverifiable, and in direct violation of federal guidelines. 

The following accounts contain inaccurate late payment history that violates XXXX XXXX Field XXXX ( Manner of Payment ), Field XXXX ( Date of First Delinquency ), and FCRA XXXX ( b ). The entries are more than

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 2025-07-22 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:
The credit bureau is reporting inaccurate late payment history on my consumer credit file in violation of XXXX XXXX Compliance Guidelines and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ). Specifically : The accounts in question misreport XXXX XXXX XXXX of XXXX by listing erroneous or misleading late payment statuses. 

They also contain errors in XXXX XXXX Date of First Delinquency, including re-aging and inconsistent reporting across months. 

These late payment entries are over XXXX XXXX XXXX, no longer reflect my current payment behavior, and serve no justifiable purpose except to harm my score. 

The furnisher and credit bureau have failed to provide any documentation verifying the accuracy of this data despite multiple disputes. 

This is not a simple error this is a clear compliance failure that affects my financial health, interest rates, and access to credit. I requested deletion based on these violations, and the bureau has refused to correct or remove the data, even though its outdated, unverifiable, and in direct violation of federal guidelines. 

The following accounts contain inaccurate late payment history that violates XXXX XXXX Field XXXX ( Manner of Payment ), Field XXXX ( Date of First Delinquency ), and FCRA XXXX ( b ). The entries are more than

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Several of these accounts show extended delinquencies and inconsistent payment reporting. 

Some delinquencies appear despite recent full payments or closed statuses. 

Requesting verification and full investigation of these delinquencies and their accuracy. 

All accounts were paid in full and closed, but still contain remarks that could suggest derogatory payment behavior or remain disputed unnecessarily.

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 2025-07-22 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like these accounts removed from my credit report immediately.

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 2025-07-22 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like these accounts removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting TransUnion to please delete this unauthorized Collection off my credit report, it was never authorized with my consent. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Please delete the following account it is fraudulent : Account Name : XXXX XXXX XXXX Account Balance : {$10000.00} Account Opened Date : 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 2025-07-22 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX and I have personally written this report because of an inaccurate credit account which is hindering my credit profile. This is false and misleading and the credit bureaus refuse to remove this account. i have tried to resolve this with the major credit agencies ( Transunion, Experian, Equifax ) and XXXX  XXXX and the debt collector XXXX XXXX XXXX XXXX. i need this debt investigated and validated. This needs to be REMOVED from my account as soon as possible. 
Please help.. It will be addressed below. This has dropped my score drastically and as a result I am unable to grow and improve my life as a young woman raised in poverty because of credit denials. Thank you very much! I have already created an FTC as well. FTC Report Number : XXXX Please remove this collection XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX and I have personally written this report because of an inaccurate credit account which is hindering my credit profile. This is false and misleading and the credit bureaus refuse to remove this account. i have tried to resolve this with the major credit agencies ( Transunion, Experian, Equifax ) and XXXX  XXXX and the debt collector XXXX XXXX XXXX XXXX. i need this debt investigated and validated. This needs to be REMOVED from my account as soon as possible. 
Please help.. It will be addressed below. This has dropped my score drastically and as a result I am unable to grow and improve my life as a young woman raised in poverty because of credit denials. Thank you very much! I have already created an FTC as well. FTC Report Number : XXXX Please remove this collection XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15  U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This company closed my account XX/XX/year> with no warning stating I might not pay my balance, when I have never in the many years of being a customer missed a payment. This card gives me a discount on my cell phone which I have over XXXX lines with and closing my account cuts me off of this discount and is completely uncalled for. This also hurts my credit by closing XXXX of my longest credit cards and lowering my available credit. I want this company to reinstate my credit card immediately as there was no cause for this closure.

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 2025-07-22 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 disputing the presence of unauthorized accounts appearing on my credit report. I did not open, authorize, or manage these accounts, and their presence constitutes a serious breach of my personal and financial integrity. 
This is completely unacceptable. These accounts reflect false and misleading information, misrepresenting my credit history and causing real harm to my credit standing. I demand immediate clarification as to how these accounts were reported, and by whom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-22 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-22 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: Americas Car-Mart, Inc.
State: GA

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) 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 2025-07-22 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: TX

Complaint narrative:
b'I sent a certified letter to Experian on XXXX  with tracking XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX XXXX XXXX XXXX. in XXXX, TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX  (account # XXXX XXXX XXXX (account # XXXX XXXX (account # XXXX)\n\nExperian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX via phone XXXX stating they were calling to collect a debt in the amount of {$740.00}. The person who called stated his name was " XXXX ''. When I asked for proof of this debt, I was told by XXXX that he could not give it to me because they are calling on behalf of the XXXX XXXX XXXX XXXX XXXX, their client. And, that He represented and worked for a Collection Agency, XXXX address given to me wXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Another name given was XXXX XXXX XXXX XXXX XXXX, who had called me asking for a donation, which I declined. The calls continued for several days and I just deleted them. I even blocked the telephone number they used to call. And they used several. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX is XXXX, I called both phone numbers and told them I wanted no more calls from them. I was not interested in anything they had to offer or sell. The calls continued for XXXX months from the XXXX XXXX XXXX and I blocked each and every one. They continued until I just would hang up on them. Each time they called, they used a different number. 
I went online and found information on the XXXX XXXX XXXX XXXX XXXX and they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a XXXX XXXX XXXX woman. I do not have need of a XXXX  nor am interested in giving any group who contacts me who is of this nature, my information. I, at NO TIME, ordered any services from this XXXX XXXX XXXX XXXX XXXX. Did not provide any financial information to them. And I informed the Collection Agency, XXXX XXXX XXXX XXXX, that I, at no time, ordered any products or services from XXXX XXXX XXXX XXXX XXXX. They continue to harass me and threatened legal action against me. Please help as these people will not leave me alone.

Company response to consumer: Closed with explanation