vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 CXX/XX/XXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXXb 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or deliveredXX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update 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 2025-11-17 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun XXXX XXXX which was opened on XX/XX/year>, has now reached the 7 year reporting period and should fall off my credit now, I have tried to dispute this account and they continue to report on it, Please have them remove immediately as it is damaging to try and purchase a home for my daughter and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

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 XXXX 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 explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

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 2025-11-17 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: ND

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b regarding the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items in question.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
What happened : I am a federal employee with the IRS and was directly affected by the 2025 government shutdown. The shutdown began on XX/XX/2025 and the government did not reopen until XX/XX/2025. During that entire period, federal employees were not paid. As of today, we still have not received any backpay, so I remain in a financial hardship. 

Before the shutdown even began, I contacted Barclays and informed them that a government shutdown was starting on XX/XX/XXXX and that I would be furloughed without pay. I asked what my options were, and I was told that Barclays had no hardship programs or accommodations available. I was given no alternative payment arrangements. 

Once the shutdown began and I realized I would miss a payment, I contacted Barclays again. I explained that we were furloughed, without pay, and needed temporary assistance. Instead of helping, they placed me into a money management plan that still required a payment I could not make because the shutdown continued and I still had no income. 

Shortly after that, Barclays reversed the hardship arrangement, withdrew any accommodation, and then proceeded to add late fees, penalty fees, and significant interest charges on top of a single missed payment. I only missed XXXX payment, yet my balance has inflated to over {$800.00}, far beyond what I ever owed. 

When I contacted Barclays again, they transferred me to money management, who told me they could do nothing and had no authority to reverse fees. Barclays has repeatedly refused to assist me, despite the fact that my inability to pay was caused by a government-mandated furlough with no income. 

Other credit card companies provided shutdown protections and temporary relief, but Barclays did not. Instead, they penalized me during a period where payment was impossible through no fault of my own. 

Why this is a problem : Barclays added multiple fees during a documented government shutdown where federal employees were not paid. They refused to provide hardship options even after I proactively notified them before the shutdown began. Their actions created an unreasonable and unfair financial burden caused by circumstances outside of my control. 

What I want : I am requesting : XXXX. A full review of my account XXXX. Reversal of all late fees, penalty fees, and interest charges added from XX/XX/XXXX through the time backpay is received XXXX. A complete itemized breakdown of how my balance increased XXXX. Correction of my account to reflect a fair and accurate balance I am requesting CFPB assistance because Barclays has refused to resolve this issue through customer service.

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 2025-11-17 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: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ). 
I am a victim of identity theft and data breaches with XXXX ( Ref : XXXX ) and XXXX. I am filing this complaint because XXXX XXXX XXXX, and several furnishers of credit information XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Dept. of EducationXXXX ) have continued to report inaccurate or unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ). Despite submitting formal disputes under FCRA 1681c-2 and 1681s-2, these entities either : - Failed to properly investigate the disputed accounts, - Reinserted inaccurate data without proper certification, or- Continued reporting information that could not be verified with original documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Nelnet, Inc.
State: DE

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ). 
I am a victim of identity theft and data breaches with XXXXx ( Ref : XXXX ) and XXXX. I am filing this complaint because XXXX XXXX XXXX, and several furnishers of credit information XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Dept. of Education/Nelnet ) have continued to report inaccurate or unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ). Despite submitting formal disputes under FCRA 1681c-2 and 1681s-2, these entities either : - Failed to properly investigate the disputed accounts, - Reinserted inaccurate data without proper certification, or- Continued reporting information that could not be verified with original documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 - XXXX of investigation consumer report ; you are in violation.

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 2025-11-17 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:
Multiple accounts that do not belong to me have been merged into my credit file, indicating my information has been improperly combined with another persons credit data. I never opened, authorized, or managed these accounts, and their presence falsely represents my financial history. This mixed-file error is a serious breach of accuracy and has caused me significant concern about the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
This is not a mistake my credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways you can't fathom, and they're exacerbating an already difficult situation. Correcting or removing them would be a significant relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
b'Chex system ,XXXX XXXX XXXX XXXX XXXX XXXX15 u.s.CODE 6801 code 15 u.s. CODE  1681 c (2)\n\n\nTHEY HAVE BOUGHT MY INFORMATION WITHOUT PERMISSION'

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 2025-11-17 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: GA

Complaint narrative:
I am writing to formally dispute multiple items on my credit report that I believe to be inaccurately reported or improperly classified by the credit bureaus. Below are the details of the accounts that I am disputing, separated by each credit bureau for your review and action. 


CHARGED OFF ACCOUNTS : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$810.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1900.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$19000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX, I authorized a direct deposit for {$170.00} to my Bank of America checking account after I completed my shift. The funds never got into the account at all. I contacted lyft and bank of america about the issue and no one has an answer except lyft stating that the funds were successfully transferred. I called Bank of america and they could not verify my information and stated I needed to go to a financial center to verify my information. I need 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 explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

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 2025-11-17 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 submitting this formal objection to the listed accounts, as I have no association with them and did not authorize their creation. Please conduct a review and delete them. Documentation is provided.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I made payments to my GreenState Credit Union credit card using my XXXX debit card. Each time, the money was immediately taken from my XXXX account, but GreenState delayed posting the payment for several days. Then GreenState attempted to process the same payment again even though the original payment had already been withdrawn. This caused insufficient funds errors and confusion on my account.

I contacted GreenState multiple times, but they kept telling me to call my bank instead of investigating the ACH payment or stopping the duplicate attempts. The issue continues to repeat, and GreenState is not providing a solution. I am requesting an investigation, correction of the payment posting, prevention of duplicate attempts, and removal of any negative fees or consequences caused by this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b regarding the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items in question.

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 2025-11-17 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: SD

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains several inaccurate and questionable entries that do not belong to me or are being reported incorrectly. 

Charged-Off Accounts XXXX XXXX XXXX, Acct # XXXXXXXX XXXX XXXX Dated XX/XX/year>, {$120.00} * * This account is being reported as charged off. I have no record of owing this debt, was never notified of any collection attempt, and have not received any verification of ownership or contract documentation. Please investigate and remove this account if it can not be properly validated.

Hard Inquiries XXXX, XX/XX/year> I did not authorize this inquiry. I have not applied for credit with this company and have no relationship with them. Please remove any unauthorized inquiries from my report. 

Late Payments XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  This account is reporting late payments that I do not agree with. I have made consistent payments and request verification of the alleged delinquency, including payment history records from the creditor. If proper verification can not be provided, please correct or delete this entry. 

I request that Equifax conduct a full investigation under the FCRA, provide documentation supporting these items, and correct or remove any unverifiable information from my report.

Company response to consumer: Closed with non-monetary relief