vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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 can not be connected to these accounts ; they must be taken off within 15 days according to USC 1681g.

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 2025-11-18 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: AZ

Complaint narrative:
I am filing this complaint because all three credit bureaus continue to report a late payment on my XXXX XXXX account even though the account is fully paid, shows a XXXX balance and XXXX past-due amount, and has not been delinquent. I have disputed this repeatedly and provided everything required of me, yet each bureau keeps returning the same generic verified response without addressing the fact that their own reporting contradicts the late mark. An account can not be both current with no past due balance and simultaneously labeled as late, and the fact that this inconsistency continues to appear on all three reports shows that no meaningful reinvestigation has taken place. 

This error has caused real consequences. I have been judged and declined by lenders based on a negative status that is simply not true, and I feel like I am constantly trying to defend myself against something that should not exist on my report in the first place. The FCRA requires accurate reporting and proper reinvestigation when a consumer disputes an error, but instead I have been left to deal with the emotional stress, financial setbacks, and the feeling that my concerns are being ignored in favor of quick automated responses.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-18 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: AZ

Complaint narrative:
FCRA Section 605C Consumer Submission XXXX XXXX  Request to Block Adverse Information Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX RE : Section 605C XXXX  Block Request To : whom it may concern, I am a survivor of XXXX XXXX The adverse information listed below, which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking : Financial Creditor : XXXX, XXXX Date Reported : XX/XX/XXXX Current Status : CHARGE OFF Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : CLOSE, PAID Creditor : XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Current Status : COLLECTIONS Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : COLLECTIONS ACCT - Creditor : XXXX XXXX  | ACCT Date Reported : XX/XX/XXXX Current Status : ACCT CHARGE OFF - Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : CHARGE OFF

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 2025-11-18 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am requesting help because Synchrony Bank mishandled my deferred interest issue on my XXXX XXXX account. 

I understand the promotional period expired on XX/XX/XXXX, and I accept responsibility for missing the grace period. My issue is the multiple instances of misinformation and inconsistent guidance from Synchrony reps. 

On XX/XX/XXXX, I called while still in the grace period. The representative told me the deferred interest could be waived as a one-time courtesy, but she said she could not process the payment until the next day and instructed me to call back. I was NOT informed that calling the next day would put me outside of the grace period. 

On a later call, another rep told me the adjustment would be approved, instructed me to make a {$77.00} payment, and after taking my payment, told me it was denied due to the grace period. He then reversed the payment. This was extremely confusing and unfair. 

I have never been late up until having issues with the app and saying my account is closed and was trying in good faith to resolve the promotional balance. I am simply requesting to pay the remaining promotional balance only, not the $ XXXX in deferred interest that resulted from the misinformation I received. 

I am asking the CFPB to help review this because I called during the grace period, followed instructions given to me by Synchrony, and was misled due to their mishandling.

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 2025-11-18 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: TX

Complaint narrative:
Issue : My former apartment XXXX XXXX XXXX failed to provide a timely move-out statement, and the account was sent to a collection agency ( IQ Data ) without proper notice. IQ Data repeatedly called me but refused to identify themselves or provide written debt validation details. Because they refused to tell me what the call was about, I believed it was a scam and declined the calls. After I declined their calls, IQ Data contacted my friend, which is illegal third-party contact. I have since paid the full balance directly to the apartment, but IQ Data continues activity and the collection remains on my credit report. This violates both the FDCPA and FCRA. 

Details of the Complaint : 1. Apartments billing delay caused improper collection XXXX admitted in writing that the previous assistant manager did not provide my final move-out statement in a timely manner. 
This internal delay caused my account to be sent to collections without proper notice, violating FCRA 623 ( a ) ( 1 ) ( furnishers must report accurate information ).

2. Debt collector refused to validate the debt When IQ Data first contacted me : Refused to send written details Under FDCPA 809 ( a ), collectors must provide a writ
ten debt validation notice within 5 days of first contact.

I never received any written notice from IQ Data.

Because they refused to identify the purpose of the call, I assumed it was a scam and declined.

Failure to provide mandatory written debt information is a violation of FDCPA 809.

3. Illegal third-party contact after I declined their calls After I declined calls due to their refusal to identify the debt, IQ Data contacted my friend.

My friend received a call from IQ Data asking them to
have me call back, implying a debt.

This is a serious violation of the FDCPA : FDCPA 804 collectors may not contact third parties except once for location info only, and may not reveal or imply a debt FDCPA 805 ( b ) prohibits discussing the debt with third parties FDCPA 806 prohibits using others to pressure or embarrass the consumer IQ Data calling my friend is unlawful, regardless of whether I answer
ed their calls or declined them.

4. I paid the balance directly to the apartment I paid the full amount of {$140.00} directly to XXXX on [ date ]. 
XXXX confirmed they would notify IQ Data and request removal of the collection entry.

Despite this, IQ Data : Continues to contact me Has not updated the debt to {$0.00} Has not corrected the credit reporting Has not removed the collection from my credit report This violates FCRA 607 ( b ) and 611, which require accurate and updated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency ma
y make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
There has been a restriction on my American Express checking account since XX/XX/XXXX due to one beneficial owners identity verification. I faxed the required documents on the same day, and Ive called multiple times for updates, but nothing has changedthe status still shows as information needed. I urgently need access to the funds in the account to pay my employee and to receive payments from my customer. 

Please look into this as soon as possible. Thank you. 

Bank : American Express. 
Account Type : Business Checking Account Number : XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 1681 section 602 A. States I have the ri
ght to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-18 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:
I am writing to dispute the following items on my credit report. I request a full investigation and correction of the listed inaccuracies based on the information provided below. The accounts in dispute are separated by bureau and include the relevant details for your review. 


Charged Off Accounts :XX/XX/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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am disputing a negative account being reported on my credit file related to an auto loan. I purchased Guaranteed Asset Protection ( GAP ) coverage through the creditor when I financed my vehicle. After my car was deemed a total loss, my insurance paid out, but the creditor failed to fully cover the remaining balance as required under the GAP coverage. 

To date, I have not been provided with statements, calculations, or documentation showing why there is still a remaining balance being reported to the credit bureaus. The creditor has not explained or verified how the deficiency balance was determined, nor have they provided proof that the GAP coverage was applied correctly. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute any information that is inaccurate or can not be verified. Per 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified within 30 days. Additionally, 15 U.S.C. 1681s-2 ( b ) requires furnishers, like auto lenders, to verify the accuracy and completeness of the information they report and to delete or correct any data that can not be substantiated. 

Since the creditor has failed to provide documentation proving the remaining balance after the insurance payout and proper application of GAP coverage, this account can not be verified as accurate and should not continue to be reported on my credit file. I am requesting that this account be removed from my credit report. 

Thank you for your prompt attention to this matter

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Have an account with Chime. Attempted to mobile deposit a check for {$4000.00} XXXX and it processed on my phone fine, but then they rejected the deposit. I entered an online service chat today, XX/XX/year>, and talked to multiple frontline people and also asked for supervisors and was told that it was rejected but they could not tell me exactly why the check was rejected. I spoke to a supervisor named XXXX who rudely ended a chat with me when I continued to ask why the check was rejected. I called and spoke to a rep named XXXX who again told me they could not confirm why the check was rejected, he got a supervisor named XXXX on the phone for me who also could not tell me why the check was rejected. I almost had a foreclosure started on my rental home because funds were not available. I spoke to the person who wrote the check and they had no holds on their account, had no request from their bank to confirm the check or funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 formally dispute the listed accounts as I did not authorize them and am not associated with them. I request a thorough review and their removal. Documentation is provided.

Company response to consumer: Closed with non-monetary relief