vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-06-23 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 am reaching out to dispute a late payment that has been incorrectly recorded. My payment was submitted on time and should not have been reported as late. I request that this reporting error be corrected 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2025, I signed up for a 1-on-1 dropshipping mentorship program with XXXX XXXX after viewing a promotional video on XXXX. I was told it was a {$250.00} $ XXXX subscription for one-on-one coaching and influencer marketing support. At no point was I informed that this was a loan through Affirm for {$5000.00} ; I only learned this later, after being billed by Affirm The services were not delivered as promised : communication was delayed, no influencers were provided, and I made no sales. I was later removed from the XXXX group after raising concerns. They claimed to give access to a network of XXXX influencers and cover all marketing costs, but they failed to deliver this. I was instructed to contact influencers on my own and run organic promotions without the promised resources. 

After realizing the service did not match what I was sold and that I had taken a loan, I contacted both XXXX XXXX  and Affirm to request a cancellation and refund. The merchant refused, and Affirm closed the dispute in their favor, despite the misrepresentation. Since then, I was removed from the mentorship group, and I am now paying for a service I no longer even have access to. I want to request that the CFPB assist in canceling the remaining balance due to deception and a lack of informed consent. 

As a full-time student already managing a {$4500.00} education loan, this unexpected financial burden from a misleading business transaction has placed me under significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Once I discover that NewRez ( NR ) Believed I was behind on my mortgage payments, I requested and received a statement showing the payments received along with the interest and fees charged. I discovered that NR had failed to properly credit my mortgage with a payment I had made using their website. I disputed, in writing, also using their website, the debt NR said I owe. I included documents from my bank ( NFCU ) that show the payments made. NR acknowledged receipt of my dispute via a letter stating that the dispute was detailed and they needed additional time to investigate it. The day after I received that acknowledgment letter from NR, Shellpointe ( SP ) NRs affiliated collections company, stating that I needed to pay an amount that was 2x my monthly mortgage payment within 2weeks or Id be in default on my mortgage. I contacted both Shellpoint and NewRez thinking that they just were not on the same page and that Shellpoint did not know that I had submitted a dispute of the debt to NR. The last representative that I spoke with, Ive spoken several times to many different people at both these companies, stated that SP knew that I had filed this dispute with their affiliated company NR, but that Shellpoint had to continue the collection efforts. That included the letters stating I was in default on my mortgage and reporting it to a credit agency. I believe that these actions violate the FCPA. While investigating a dispute that I had made in writing, their affiliated but alternatively named company, Shellpoint, was pursuing collection efforts, including calling me in default of my mortgage and reporting me to credit credit agencies. Now the credit that Ive worked very hard for most of my life, is suffering and I cant buy anything that requires a credit score.

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 2025-06-23 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: NC

Complaint narrative:
I am formally disputing all inaccurate, unsupported, and unverifiable information present in my credit report. You are required by the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards to ensure that all data you report is complete, accurate, and verifiable. 

The following accounts are being disputed : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * The following personal information is also inaccurate and must be corrected : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX You are reporting derogatory information without furnishing the required physical, verifiable documentation that proves : The full accuracy of these accounts Your legal authority to report them The existence of a permissible purpose under FCRA 1681b Complete Metro 2 format compliance I do not authorize you to retain or report any outdated, inaccurate, or unverified information, including past employers or incorrect phone numbers. You are now on notice to DELETE any and all unverifiable data from my file.

Failure to fully validate these accounts and personal identifiers with factual, physical evidence constitutes willful non-compliance with federal law. As mandated under FCRA 1681i ( a ) ( 5 ) ( A ), you must DELETE any item you are unable to fully verify.

You have 30 days upon receipt of this dispute to complete your reinvestigation, correct my report, and mail me updated copies of your findings, including physical documentation proving your compliance. If you can not fully validate the reporting, you are legally obligated to DELETE these items from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: CA

Complaint narrative:
Car was repossessed XXXX  years ago due to financial issues, some time passed & I started receiving letters & phone calls & letters in the mail from debt collectors. I am unable to pay the fees owed which is around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-23 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-06-23 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: WI

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and undocumented information currently reported on my credit file. I assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand that you conduct a full, factual investigation, as required under FCRA 1681i, using original source documentation, not form responses or automated templates.

The following personal information is being challenged due to inaccuracies : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Incorrect Employer : XXXX XXXX Incorrect Date of Birth : XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX The following accounts are being challenged for lack of factual proof of ownership, reporting accuracy, and Metro 2 compliance : 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 XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are being challenged due to lack of permissible purpose as required under FCRA 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand full physical documentation bearing my original wet signature ( or properly authenticated electronic signature ) for each account and inquiry listed above to verify authorization and validity of reporting. Failure to produce verifiable documentation constitutes a willful violation of FCRA 1681b ( permissible purpose ), 1681i ( reinvestigation requirements ), 1681s-2 ( duties of furnishers ), and Metro 2 Data Reporting Standards. 

You are also reminded that using standardized form letters or automated responses violates my rights under FCRA 1681i, which requires an individualized investigation. A failure to comply will be documented as willful non-compliance under FCRA 1681n and 1681o, exposing your organization to potential legal and financial liability.

If you can not provide full verification within the mandated timeframe, you must DELETE all disputed information and provide me with an updated credit report reflecting the corrections. 

Failure to comply may result in legal action.

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 2025-06-23 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: WI

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and undocumented information currently reported on my credit file. I assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand that you conduct a full, factual investigation, as required under FCRA 1681i, using original source documentation, not form responses or automated templates.

The following personal information is being challenged due to inaccuracies : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Incorrect Employer : XXXX XXXX Incorrect Date of Birth : XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX The following accounts are being challenged for lack of factual proof of ownership, reporting accuracy, and Metro 2 compliance : 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 XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are being challenged due to lack of permissible purpose as required under FCRA 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand full physical documentation bearing my original wet signature ( or properly authenticated electronic signature ) for each account and inquiry listed above to verify authorization and validity of reporting. Failure to produce verifiable documentation constitutes a willful violation of FCRA 1681b ( permissible purpose ), 1681i ( reinvestigation requirements ), 1681s-2 ( duties of furnishers ), and Metro 2 Data Reporting Standards. 

You are also reminded that using standardized form letters or automated responses violates my rights under FCRA 1681i, which requires an individualized investigation. A failure to comply will be documented as willful non-compliance under FCRA 1681n and 1681o, exposing your organization to potential legal and financial liability.

If you can not provide full verification within the mandated timeframe, you must DELETE all disputed information and provide me with an updated credit report reflecting the corrections. 

Failure to comply may result in legal action.

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 2025-06-23 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 submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
I disputed several incorrect and unauthorized accounts with TransUnion and provided all necessary documents. However, TransUnion has not taken appropriate action to investigate or resolve the errors. Some disputes were dismissed without proper explanation, and the harmful data remains on my 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 non-monetary relief
Consumer complaint received 2025-06-23 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: 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. 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 explanation
Consumer complaint received 2025-06-23 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: KS

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 non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief