vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted, as I have written in my complaint. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of the information reported for the above-referenced account by Experian, Equifax, and TransUnion. Upon careful review, significant inaccuracies and multiple violations were identified : Inaccuracies and Violations : 1. Incorrect Account Status Reporting : Experian lists the account as " 30 Days Past Due '' with 92 % timely payments, yet simultaneously shows recent payments as timely, creating contradictory and misleading information.

Equifax reports a " Late 30 Days '' payment status despite a stated 100 % timely payment history. 
XXXX. Incorrect Balance and Past Due Amount : Both Experian and Equifax inaccurately report a past due amount of {$690.00}, despite payment records clearly indicating timely payments. 
XXXX. Inconsistent Last Activity Dates : Experian and TransUnion report a last activity date of XX/XX/year>, while Equifax incorrectly lists it as XX/XX/year>, resulting in misleading and inconsistent reporting. 
XXXX. Inaccurate and Incomplete Payment History : Numerous months across all bureaus show " No data available, '' hindering proper verification and violating the completeness requirement stipulated by the FCRA. 
Total Violations : XXXX violations per bureau, totaling XXXX violations. 
Under the FCRA, each violation carries potential statutory damages of up to {$1000.00}, bringing the total potential statutory damages to {$12000.00}. 
I demand the following immediate corrective actions : Provide verifiable documentation supporting any alleged late payments. 
Immediately correct or remove all inaccurate payment statuses, balances, and past due amounts from my credit reports. 
Delete the entire account immediately from Experian, Equifax, and TransUnion due to significant inaccuracies and violations of the FCRA. 
Failure to comply with these demands within 30 days of receipt will result in escalated legal action, pursuing full statutory damages and additional legal remedies available. 
Please provide written confirmation upon completion of these corrections and deletions. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: DailyPay, Inc
State: SC

Complaint narrative:
DailyPay is quite confusing and I dont understand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 discovered that my personal information was compromised in a national data breach. After reviewing my credit reports from XXXX, Experian, and XXXX, I found multiple accounts and inquiries that I'm not familiar with I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and submitted written disputes and requests for validation of these accounts to all XXXX  credit bureaus. To date, I have not received sufficient documentation or confirmation that these accounts are valid or belong to me. 

Because my personal data was exposed, I filed an identity theft report with the Federal Trade Commission ( FTC ) and have taken proactive steps to protect my credit and identity. 

I am requesting that all fraudulent accounts and inquiries be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ), which protects identity theft victims from continued reporting of unauthorized information. 

Supporting documentation is attached, including : A copy of my government-issued ID A copy of my FTC Identity Theft Report A copy of the National Data Breach ( NPD ) notification showing my data was compromised A copy of the debt validation letter sent to each bureau I respectfully ask the CFPB to review this matter and ensure that the credit bureaus comply with their obligations under federal law.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted, as I have written in my complaint. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of the information reported for the above-referenced account by XXXX XXXX XXXX XXXX Upon careful review, significant inaccuracies and multiple violations were identified : Inaccuracies and Violations : 1. Incorrect Account Status Reporting : XXXX  lists the account as " 30 Days Past Due '' with 92 % timely payments, yet simultaneously shows recent payments as timely, creating contradictory and misleading information. 
XXXX  reports a " Late 30 Days '' payment status despite a stated 100 % timely payment history. 
XXXX. Incorrect Balance and Past Due Amount : Both XXXX  and XXXX  inaccurately report a past due amount of {$690.00}, despite payment records clearly indicating timely payments. 
XXXX. Inconsistent Last Activity Dates : XXXX  and XXXX  report a last activity date of XX/XX/year>, while XXXX  incorrectly lists it as XX/XX/year>, resulting in misleading and inconsistent reporting. 
XXXX. Inaccurate and Incomplete Payment History : Numerous months across all bureaus show " No data available, '' hindering proper verification and violating the completeness requirement stipulated by the FCRA. 
Total Violations : XXXX violations per bureau, totaling XXXX violations. 
Under the FCRA, each violation carries potential statutory damages of up to {$1000.00}, bringing the total potential statutory damages to {$12000.00}. 
I demand the following immediate corrective actions : Provide verifiable documentation supporting any alleged late payments. 
Immediately correct or remove all inaccurate payment statuses, balances, and past due amounts from my credit reports. 
Delete the entire account immediately from XXXX, XXXX, and XXXX  due to significant inaccuracies and violations of the FCRA. 
Failure to comply with these demands within 30 days of receipt will result in escalated legal action, pursuing full statutory damages and additional legal remedies available. 
Please provide written confirmation upon completion of these corrections and deletions. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
XXXX reviewing my credit report dated XX/XX/XXXX, I discovered multiple late payments reported by XXXX XXXX on a credit card account that was previously in dispute. These late payments include XXXX, XXXX, and XXXX delinquencies from XXXX and early XXXX. 

I filed a dispute with the credit reporting agencies, and the account was marked as resolved. The payment status is now reported as " current '' by all three credit bureaus ( TransUnion, Experian, and Equifax ), and the comments on the tradeline indicate the dispute has been resolved. 

Despite this resolution, the late payment history remains on my report, negatively impacting my credit profile. I contacted XXXX XXXX and the credit bureaus to request removal of the outdated and resolved derogatory marks. I also provided documentation supporting the account 's current status and history of resolution. 

This inaccurate reporting is unfair and misleading, and I am requesting that the credit bureaus and XXXX XXXX remove the negative payment history that resulted from the previously resolved dispute.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and with my FTC Identity Theft Report, I dispute this account remove this item immediately. Account name 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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
There were two unauthorized charges on my card that I never authorized or anything it was for Lexington law firm which I never signed up for anything with them at all the amount of the charges are XXXX and XXXX for the same place I reached out to them and they said that it is valid and everything i have already contacted my local police department and let them know what was going on and stuff the charges were made on XX/XX/year> thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I submitted disputes to TransUnion regarding multiple inaccurate accounts on my credit report. TransUnions investigation was inadequate and violates the Fair Credit Reporting Act. 
SPECIFIC VIOLATIONS : XXXX. Inadequate Investigation Standard : TransUnion failed to conduct a reasonable investigation as required under FCRA 611. They provided generic verified as accurate responses without addressing specific legal challenges raised in my dispute. 
XXXX. Failure to Address UCC Violations : I disputed auto loan deficiencies citing UCC Article 9 non-compliance. TransUnion ignored these legal challenges and failed to require furnishers to provide UCC compliance documentation. 
XXXX. Balance Verification Failure : Account balances increased without explanation ( XXXX XXXX from {$530.00} to {$1100.00} ). TransUnion verified these inflated amounts without requiring mathematical justification. 
XXXX. Method of Verification Refusal : I requested Method of Verification documentation under Cushman v. Trans Union Corp. TransUnion has refused to provide investigation procedures and documentation.

DESIRED RESOLUTION : Delete all unverifiable accounts from credit report Provide Method of Verification documentation Implement proper investigation procedures Monetary damages for FCRA violations SUPPORTING DOCUMENTATION : TransUnions inadequate responses Legal authorities cited Credit report showing continued inaccuracies XXXX  SUFFERED : Credit applications denied Higher interest rates charged Emotional distress from inaccurate reporting Time and expense disputing errors

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 2025-08-05 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block or delete any information identified by the consumer as resulting from identity theft within ( XXXX ) XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block/delete this fraudulent information from my credit report immediately. This information should be blocked/ delete for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-05 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: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/XXXX, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX  - Incorrect Personal XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-05 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I noticed inquiries that I do not recognized on my credit report that I recently pulled. Please see my attached Identity Theft Report and the list of those Inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 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: IL

Complaint narrative:
I have written to Equifax and Trans Union requesting that they remove the late payment showing on my credit report with XXXX XXXX from XX/XX/year>. Besides being a a processing error, According FCRA Section 605B, it is illegal to report any information on my credit report without my permission. I have requested that the late payment be removed by the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion Consumer Solutions P.O. XXXX XXXX, XXXX Experian XXXX. XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX Last XXXX of XXXX : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. 

You are reporting a late payment on ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ) on the account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

This is not true, I was not late on ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ). 

I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2025-08-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion Consumer Solutions P.O. XXXX XXXX, XXXX Experian XXXX. XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX Last XXXX of XXXX : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. 

You are reporting a late payment on ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ) on the account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

This is not true, I was not late on ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ). 

I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief