vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in 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 XXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2025-07-16 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: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute requesting the removal of incorrect information from my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple attempts and sufficient notice, this inaccurate information continues to appear on my credit reports, adversely impacting my financial standing and creditworthiness. 
Additionally, I am formally submitting a complaint regarding a significant data breach involving all three major credit bureaus. This breach compromised my sensitive personal and financial information due to the credit bureaus ' failure to implement adequate and necessary security measures to protect consumer data. The unauthorized access to my personally identifiable information ( PII ) has led to fraudulent activities and inaccuracies on my credit reports. 
The actions and inactions of Experian, Equifax, and TransUnion violate specific provisions of the Fair Credit Reporting Act ( FCRA ), notably : Section 611 ( a ) : Failure to conduct a reasonable reinvestigation within XXXX days of receipt of my dispute. The bureaus neglected their statutory duty by inadequately addressing my disputes, resulting in continued reporting inaccuracies. 
Section 607 ( b ) : Failure to follow reasonable procedures ensuring maximum possible accuracy of the information contained in my credit report. Their negligence in accurately reporting and safeguarding my information has resulted in significant financial harm, including a diminished credit score, increased interest rates, emotional distress related to potential identity theft, and substantial inconvenience. 
Given the severity of the situation, I respectfully request an immediate and thorough investigation into this matter, the removal of all incorrect information from my credit reports, strengthened data security measures to protect consumers, and appropriate corrective actions as prescribed under the FCRA. 
Thank you for your prompt attention to this serious matter. I look forward to your timely response and resolution.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am submitting this follow-up to a previous complaint I filed against LexisNexis regarding inaccurate XXXX  reporting on my consumer file. 

On XX/XX/year>, I contacted LexisNexis with documentation showing that the XXXX  on my file was inaccurately reported. Despite my evidence, LexisNexis has failed to remove the inaccurate record. 

In their response to the CFPB, LexisNexis falsely claimed that I had reported identity theft. This is not truemy dispute was never related to identity theft, but to factual inaccuracies, which I supported with documents from XXXX. 

As of today, the XXXX  is still being reported. LexisNexis has not provided any proof of a proper reinvestigation or their verification process. 

I am requesting further regulatory review to ensure LexisNexis complies with the Fair Credit Reporting Act by removing the inaccurate information and providing details of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I filed disputes with transunion equifax and experian In regards to some collections that was listed on my report I sent screenshots with the proper proof showing XXXX re aged my debt I had this account removed twice once XXXX and XXXX and its back on my report under XXXX when this debt was previously listed and removed from my transunion for inaccurate information so they arent reporting to Transunion because they knew they couldnt so they filed with experian and equifax I sent proof to all agencies and debt collectors nothing equifax went as far to say its frivolous and wont bother investigating it. Then comes XXXX XXXX XXXX  I sent proof as well showing this debt was listed on my transunion twice one opened XXXX and the other XXXX for the same account which is illegal and they all transunion equifax and experian say it meets the requirements when it doesnt and clearly my screenshots show that and they didnt care and took over 30 days to complete any investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
Re : Dispute of Student Loan Account Department of Education To Whom It May Concern : I am writing to dispute the reporting of the above-referenced student loan account belonging to me by the Department of Education . This account was discharged due to Total and XXXX XXXX. Despite this, the loan is still appearing on my credit report. 

This is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), I request that you immediately investigate and * * delete this item * * from my credit report, or update the status to reflect the discharge. 


Please complete your investigation within 30 days as required by FCRA and mail me written confirmation of the results, including an updated credit report. If you determine you can not verify the accuracy, please remove the item entirely. 

Thank you for your immediate attention to deleting this discharged student loan. I look forward to receiving confirmation and an updated report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
Re : Dispute of Student Loan Account Department of Education To Whom It May Concern : I am writing to dispute the reporting of the above-referenced student loan account belonging to me by the Department of Education . This account was discharged due to Total and XXXX XXXX. Despite this, the loan is still appearing on my credit report. 

This is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), I request that you immediately investigate and * * delete this item * * from my credit report, or update the status to reflect the discharge. 


Please complete your investigation within 30 days as required by FCRA and mail me written confirmation of the results, including an updated credit report. If you determine you can not verify the accuracy, please remove the item entirely. 

Thank you for your immediate attention to deleting this discharged student loan. I look forward to receiving confirmation and an updated report. 

Sincerely, 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Discovering an unfamiliar hard inquiry on my credit report has caused me significant stress and concern. I take my credit very seriously and have not applied for any new accounts or loans related to this inquiry.

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 2025-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-07-16 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 submitting this complaint against Equifaxfor failure to comply with the Fair Credit Reporting Act ( FCRA ) and FTC identity theft provisions.

I submitted to Equifax an identity theft report along with my government-issued ID and Social Security card . These documents clearly show that certain accounts on my credit report were the result of identity theft.

Despite providing all required documentation, Equifax declined to remove or block these fraudulent accounts. This is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ), which requires a credit reporting agency to block fraudulent information within four business days of receiving : 1. Proof of identity ; 2. A copy of an identity theft report ; 3. Identification of the fraudulent accounts ; and 4. A statement that the information does not relate to any transaction I made. 
Equifax 's refusal to act has caused ongoing harm, including inaccurate negative information remaining on my credit report, damage to my credit score, and emotional distress. 
I have attached my original identity theft report, proof of ID and SSN, and copies of my communications with Equifax to show that I complied with all legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Regrettably, XXXX terminated my account on XX/XX/year>. Despite my phone call to customer care, they were unable to provide any information. I have not received any correspondence from XXXX explaining the reasons for the closure of my XXXX checking account. 
XXXX did send an email suggesting a violation of the SOFI Bank XXXX Account XXXX. 
However, the customer care representative was unable to disclose the reasons for the account closure due to their bank policies. I requested a supervisor or made XXXX agents call me back with the supervisor, but I never received a call back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2300.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2300.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2800.00} DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2300.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2300.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2800.00} DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$10000.00}

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
The Cash App application closed my account and I'm filing an appeal to find out the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 checked my credit report like I normally do, but this time I noticed unexpected discrepancies. I even tried refreshing the page to see if it was simply a glitch, but the inaccurate accounts remained. Due to this, Im requesting that you carefully review the documents Ive submitted so that this issue can be resolved and I wont have to stress about it anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been dealing with TransUnion since supervisor admitted on phone in early XXXX XXXX XXXX. Then now XXXX, spoke with XXXX, XXXX, XXXX, and etc. Over and over told my report either was special, of handle by a dept that does not take calls. The calls resulted to say nothing can be done unless I pay and made fun of by people. I try to inform them even when I pay for a fee membership on another third party I get told the numeric number should be updated by now. Other sites show a number and says it need to be updated since collections have been removed and I have proof from original creditors it has been deleted/removed. And shows the accounts were longer than XXXX years ago during XXXX also. Then I get told my verification be needed after I sent it XXXX years ago, then on previous reports also where TransUnion admitted they deleted the accounts and got the proof from XXXX companies to show the accounts should be deleted and not on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-07-16 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: GA

Complaint narrative:
I am writing to formally dispute a negative mark on my credit report and request assistance regarding a credit card account that was reported as Charged Off on XX/XX/year>. 

The charge-off occurred after a payment was returned by my bank, not due to a refusal to pay or neglect on my part. I had attempted to make a payment close to the due date, but due to the timing and unforeseen issues with my bank accountwhich was closed without notice shortly after the returned paymentthe transaction did not process successfully. Unfortunately, this situation escalated quickly and resulted in my account being charged off. 

I have since worked to resolve the matter directly with the creditor and would like to request that this charge-off be reviewed and removed from my credit report. It does not accurately reflect my intent or payment history, and the circumstances were outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a negative mark on my credit report and request assistance regarding a credit card account that was reported as Charged Off on XX/XX/year>. 

The charge-off occurred after a payment was returned by my bank, not due to a refusal to pay or neglect on my part. I had attempted to make a payment close to the due date, but due to the timing and unforeseen issues with my bank accountwhich was closed without notice shortly after the returned paymentthe transaction did not process successfully. Unfortunately, this situation escalated quickly and resulted in my account being charged off. 

I have since worked to resolve the matter directly with the creditor and would like to request that this charge-off be reviewed and removed from my credit report. It does not accurately reflect my intent or payment history, and the circumstances were outside of my control.

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