vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 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: WA

Complaint narrative:
I previously submitted a dispute regarding multiple inaccuracies appearing on my credit report. However, after reviewing the results of that initial investigation, I have determined that several of the disputed items remain inaccurate, incomplete, or unverifiable. These errors continue to misrepresent my true credit history and have not been properly addressed in accordance with the Fair Credit Reporting Act ( FCRA ).

This submission serves as my second-round follow-up complaint requesting a full and reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). The reporting agencies and furnishers are obligated to ensure maximum possible accuracy as required by FCRA 607 ( b ) and are prohibited from reporting any information known to be inaccurate under FCRA 623 ( a ) ( 1 ) ( A ). 

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 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 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 explanation
Consumer complaint received 2025-11-10 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: WA

Complaint narrative:
I previously submitted a dispute regarding multiple inaccuracies appearing on my credit report. However, after reviewing the results of that initial investigation, I have determined that several of the disputed items remain inaccurate, incomplete, or unverifiable. These errors continue to misrepresent my true credit history and have not been properly addressed in accordance with the Fair Credit Reporting Act ( FCRA ).

This submission serves as my second-round follow-up complaint requesting a full and reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). The reporting agencies and furnishers are obligated to ensure maximum possible accuracy as required by FCRA 607 ( b ) and are prohibited from reporting any information known to be inaccurate under FCRA 623 ( a ) ( 1 ) ( A ). 

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 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 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 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 2025-11-10 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: AK

Complaint narrative:
I am submitting to formally dispute inaccurate information appearing on my credit report. This letter is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which grants me the authority to dispute incomplete, inaccurate, or unverifiable information. Upon reviewing my credit report, I discovered multiple inaccuracies related to addresses and credit inquiries. These errors do not accurately reflect my personal information or financial activity and have caused unnecessary stress and potential complications in accessing credit. I am requesting a full investigation and correction of these inaccuracies. 
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 XXXXXX/XX/XXXX XXXX XXXX with the following provisions of the FCRA : 611 ( 15 U.S.C. 1681i ) : Grants the right to dispute inaccurate or unverifiable information and request reinvestigation. 623 ( a ) ( 2 ) : Requires furnishers of credit information to correct and update any inaccurate data they provide to credit bureaus. 623 ( b ) : Obligates furnishers to conduct a reasonable investigation and ensure reported data is verified before submission. 602 : Establishes the purpose of the FCRA to ensure consumer reporting is accurate, fair, and protective of consumer privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: AK

Complaint narrative:
I am submitting to formally dispute inaccurate information appearing on my credit report. This letter is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which grants me the authority to dispute incomplete, inaccurate, or unverifiable information. Upon reviewing my credit report, I discovered multiple inaccuracies related to addresses and credit inquiries. These errors do not accurately reflect my personal information or financial activity and have caused unnecessary stress and potential complications in accessing credit. I am requesting a full investigation and correction of these inaccuracies. 
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 XXXXXX/XX/XXXX XXXX XXXX with the following provisions of the FCRA : 611 ( 15 U.S.C. 1681i ) : Grants the right to dispute inaccurate or unverifiable information and request reinvestigation. 623 ( a ) ( 2 ) : Requires furnishers of credit information to correct and update any inaccurate data they provide to credit bureaus. 623 ( b ) : Obligates furnishers to conduct a reasonable investigation and ensure reported data is verified before submission. 602 : Establishes the purpose of the FCRA to ensure consumer reporting is accurate, fair, and protective of consumer privacy.

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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunately it has been over 30 days and no accounts was updated.

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 2025-11-10 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: Self Financial Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute and Request for Deletion of Inaccurate Late Payments XXXX XXXX XXXX  Dear Credit Reporting Department, I am writing to formally dispute inaccurate late payment information reported by XXXX XXXX XXXX  on my credit report. Upon reviewing my file, I discovered that this account, which is now closed and reflects a XXXX balance, is showing delinquencies for XX/XX/XXXX and XX/XX/XXXX across your reporting system. 

These late payment notations are inaccurate and unverifiable. The account was paid as agreed and should not display any late or delinquent payment history. Since the account has long been closed in good standing, these negative marks are outdated and in violation of the Fair Credit Reporting Act ( FCRA ) 602A and 611, which require all credit information to be complete and accurate. 

I am requesting that you immediately : XXXX. Delete the inaccurate XXXX late payment entries for XX/XX/XXXX and XX/XX/XXXX. 
XXXX. Re-verify this account directly with XXXX XXXX XXXX. 
XXXX. Provide written confirmation once the corrections have been completed and my report is updated. 

Please treat this as a formal dispute under the FCRA. I have enclosed a copy of the current credit report highlighting the disputed entries for your reference. 

Thank you for your prompt attention to this matter. I expect an investigation and written response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am submitting this complaint because my Equifax credit report contains multiple collection accounts that I dispute as inaccurate or unverified. The accounts currently reporting are 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 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  I have never received any documentation proving that these debts are valid or that I am legally responsible for them. Reporting unverified or inaccurate collections violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, 15 U.S. Code 1681i ( a ) ( 1 ) mandates that Equifax must conduct a reasonable reinvestigation when a consumer disputes information, and 15 U.S. Code 1692g entitles me to request debt validation. If the furnisher can not substantiate the debt within 30 days, they are legally required to remove the item from my credit file. 

The presence of these unverified collections has negatively impacted my credit score, misrepresents my financial responsibility, and causes ongoing stress and concern regarding my financial reputation. Equifax is obligated to ensure that only accurate and legally substantiated information is reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: PR

Complaint narrative:
I previously disputed a XXXX XXXX account and other accounts being reported by TransUnion as belonging to me. I specifically requested documentation or evidence showing that these accounts were mine. However, TransUnion failed to provide any documentation or proof but continues to report the accounts as verified. 

This violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation and provide supporting documentation upon request. Continuing to mark the accounts as verified without evidence demonstrates negligence in their investigation process and harms my credit reputation. 

Additionally, TransUnions website prevents me from viewing my dispute results or history. This lack of access violates my right to review the outcome of an investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). This further supports my claim that TransUnion failed to conduct a proper and transparent investigation.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several items currently appearing on my credit report that I have found to be inaccurate, incomplete, and misleading. These inaccuracies have caused undue harm to my credit profile and do not reflect my true creditworthiness. I am requesting that the following items be permanently deleted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am writing to formally dispute several items currently appearing on my credit report that I have found to be inaccurate, incomplete, and misleading. These inaccuracies have caused undue harm to my credit profile and do not reflect my true creditworthiness. I am requesting that the following items be permanently deleted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
They never contacted me at all and illegally placed this on my credit file and this needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX sold my car loan thaXXXX XXXX XXXX  had with me and my car to American credit Acceptance without me knowing they were going to do that. I had some trouble with my kids and daycare and me being able to work so I got behind some payments well my car got repossessed and it was gon na cost me XXXX to get my car back I immediately got the money to get my car back and then one week I got a letter in the mail saying that I owe them like over {$2000.00} and that they were taking my car on the XXXX in a couple of days I have read up on them and I dont trust them at all and I am a XXXX  XXXX  of XXXX little boys and I need my car to do my job and to take care of my kids. I can not let them take my car away from me please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
A new replacement card from US BANK ending in XXXX never arrived in the mail. Someone was able to obtain it and use it, they also logged into my credit card acct and changed my phone # and email. This person then proceeded in opening up a checking account in my name using a different address and different phone # 's, checking acct # XXXX. Deposited mobile checks using my name and used services like XXXX. I became aware of this when I tried to login into my account and received a login disabled message. I called customer service and was told I needed to come into the branch because my responses were not correct over the phone and my phone number was incorrect. I went into the branch on XX/XX/XXXX and that is when I found out my credit card was being used and a checking acct was opened in my name using my SSN. I spent XX/XX/XXXX and XX/XX/XXXX at the branch in person going over charges and filling a ID THEFT AFFIDAVIT, everything was frozen and all the information was made accurate. A new card was suppose to be delivered by XX/XX/XXXX. When it didn't show up I called the Fraud department, all the information was once AGAIN changed and the new card was sent directly to the scammers address. The scammer was somehow able to change the phone number and address AGAIN and even get the card sent directly to them. US BANK has been unprofessional and suspicious, I still don't understand how the scammer was able to call and change the information after I verified myself in-person at the bank. I was finally able to freeze and lock the account with my address and information on XX/XX/XXXX. I have looked over all of my credit reports, this is isolated only with US BANK. I have not received ANY calls from US Bank about this matter or about the investigation. The fraud department of US BANK is absolutely ridiculous, completely unprofessional, unhelpful and disrespectful.

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 monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Hello. 

On XXXX XXXX XXXX, the user sh as, sent me {$20.00} for personal reasons. On XXXX XXXX XXXX ( over 2 months later ) XXXX informed me about the dispute that they had received, Case opened : XXXX transaction XXXX : $ XXXX. The user was trying to take the money back. I sent VERY CLEAR evidence of the scam and fraud, and XXXX finally got back to me today. They told me that they went through with the dispute and that my account is on hold until I can pay the remaining amount. I didnt have much balance so I still have to pay {$14.00} to sh as. I sent so much evidence of them doing this to multiple to get money back and XXXX  can see if they do it so many times. I am not sure why they decided to give the money back when it is a clear sign of SCAM. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief