vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint against both XXXX XXXX XXXX ( reporting a {$1800.00} XXXX collection account ) and National Recovery Agency ( reporting a {$500.00} collection account ). 

I formally disputed both accounts via certified mail on XX/XX/XXXX, under my rights provided by Section 609 of the Fair Credit Reporting Act ( FCRA ). I requested verification of the debts, including original signed contracts and itemized statements. It has been more than 30 days, and I have not received a single document or verification in response. 

Both companies have continued to report these accounts to the credit bureaus despite their failure to verify. This is a violation of FCRA 611, which requires deletion of any account that can not be verified, and 609, which gives me the right to request full documentation. Additionally, my credit report has had an extended fraud alert on file since 2022, meaning they were also required to contact me directly and verify all information before reporting anything newas outlined in 605A and 605B. 

The XXXX XXXX XXXX account is especially suspicious. It shows a date opened in XXXX with a date of first delinquency from XXXX, which does not make logical or legal sense. This appears to be a re-aged debt, a known credit reporting abuse. 
As a result of these violations, I have experienced : Denial of new credit applications Increased interest rates on approved credit lines A drop in my XXXX XXXX Emotional distress and anxiety from having to constantly dispute unverifiable and damaging information Requested Relief : I am requesting the immediate deletion of both the XXXX XXXX XXXX and XXXX XXXX XXXX accounts from all credit bureaus ( TransUnion, Experian, and Equifax ) due to failure to provide verification within the timeframe outlined in 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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays Bank credit card I made a credit card transfer on XX/XX/year>. Three of the cards transferred where duplicated, I believe due to their system glitch. I had their customer Svc rep assist me in completing the transaction, as I was having some system issues. When I detected the error, I immediately called Barclays and I was instructed to contact the merchants and have funds returned. This process has been completed and I have sent the total dup transfer amount in full. 
XXXX XXXX {$1900.00} transfer fee {$98.00} XXXX XXXX {$1300.00} transfer fee {$69.00} XXXX XXXX  {$1300.00} transfer fee {$68.00}

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 monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
Upon recent review of my consumer credit report, l identified multiple serious billing errors in direct violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditor 's failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement Issued by the creditor.

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid and unenforceable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
Upon recent review of my consumer credit report, l identified multiple serious billing errors in direct violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditor 's failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement Issued by the creditor.

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
Upon recent review of my consumer credit report, l identified multiple serious billing errors in direct violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditor 's failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement Issued by the creditor.

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid and unenforceable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed multiple hard inquiries on my credit report XXXX separate times with the credit bureau, and they have failed to investigate or remove them, nor have they provided proper verification as required by the Fair Credit Reporting Act ( FCRA ). These inquiries are either unauthorized or related to accounts that are now closed and no longer have a permissible purpose to remain. 

The credit bureau has ignored my previous disputes, violating my rights under the FCRA. I am requesting the CFPB to intervene and ensure these inquiries are properly investigated and permanently removed if they can not be verified with my written consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 ask that the incorrect late payment showing on my credit file be removed. I made that payment on time, and this error is damaging.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
Dear CFPB, I am filing this complaint to dispute the inaccurate and misleading reporting practices by XXXX XXXX ( XXXX XXXX XXXX XXXX ) regarding my account. 

XXXX XXXX is currently reporting my account as past due/unpaid on my TransUnion credit report. However, this is false and damaging, as I have been making on-time monthly payments consistently. My payment history reflects compliance with the agreed payment plan, and there is no valid reason for this account to continue being reported in a derogatory or past-due status. 
XXXX XXXX is violating the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires furnishers of information to credit reporting agencies to : " follow reasonable procedures to assure maximum possible accuracy of the information. '' By continuing to report this account as unpaid or delinquent despite on-time payments, they are providing incomplete and misleading information that does not accurately reflect my account status. 

This inaccurate reporting is : Damaging my credit score, Misrepresenting my financial behavior, Hindering my access to credit and opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
Dear CFPB, I am filing this complaint to dispute the inaccurate and misleading reporting practices by Military Star ( XXXX XXXX XXXX XXXX  ) regarding my account. 

Military Star is currently reporting my account as past due/unpaid on my XXXX credit report. However, this is false and damaging, as I have been making on-time monthly payments consistently. My payment history reflects compliance with the agreed payment plan, and there is no valid reason for this account to continue being reported in a derogatory or past-due status. 
Military Star is violating the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires furnishers of information to credit reporting agencies to : " follow reasonable procedures to assure maximum possible accuracy of the information. '' By continuing to report this account as unpaid or delinquent despite on-time payments, they are providing incomplete and misleading information that does not accurately reflect my account status. 

This inaccurate reporting is : Damaging my credit score, Misrepresenting my financial behavior, Hindering my access to credit and opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Constant amounts overdraft my card and I end up with overdraft fees

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm is inaccurately reporting a 30-day late payment on my credit report with XXXX. 

The account in question had a payment due on XX/XX/scrub>, 2025. I made the payment on XX/XX/year>2025, which is exactly 30 days after the due date. According to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX industry standards, a 30-day late mark can not be reported unless the account is 31 days past due. 

Affirm reported the 30-day late status on XX/XX/year>2025 which is only 29 days after the due date. 

I disputed this with XXXX  and was denied. However, on XX/XX/scrub> 2025, I received an email from XXXX  stating that my last six months of payment history were perfect, which contradicts their denial and proves the negative mark is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of a mortgage account on my credit report. Upon reviewing my credit file, I noticed an entry from XXXX XXXX, which I believe is inaccurate and should not be associated with my credit profile. 

I am requesting that this entry be investigated and removed based on the following reason ( s ) : I have no knowledge or record of entering into any mortgage agreement with XXXX XXXX. 
This account may be the result of fraudulent activity, identity theft, or a clerical reporting error. 
I have never received billing statements, correspondence, or communications from this company regarding this alleged mortgage account. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe is inaccurate, incomplete, or unverifiable. Please conduct a thorough investigation into this matter and provide evidence of the validity of this account. If the creditor can not verify the debt, the account must be removed from my credit report. 

Please complete your investigation within 30 days and send me the results in writing. If the item is found to be inaccurate or unverifiable, I request that you promptly delete it from my credit file. 

Thank you for your 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 2025-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$14000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$56.00} XXXX, XXXX # XXXX XX/XX/XXXX -- {$7800.00} UNAUTHORIZED INQUIRIES : XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Sunbit, Inc.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( c ), debt collectors are prohibited from engaging in communication with a consumer at times or places known to be inconvenient or without prior consent. I have reason to believe that this account may have been collected or communicated in a manner that violates this statute, and as such, the legitimacy of its reporting is in question. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and removal of this collection account unless TAB/Sunbit can provide verifiable evidence that : 1.The debt is valid and legally owed, 2.The communication and collection practices complied with FDCPA Section 1692 ( c ), 3.All reporting requirements under the FCRA have been satisfied.

In accordance with 15 U.S.C. 1681i, please complete the reinvestigation within the required 30-day timeframe and provide me with a written response detailing your findings. If this information can not be verified, it must be deleted from my credit report.

Company response to consumer: Closed with explanation