vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-14 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-14 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-14 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-14 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
I am filing a new complaint regarding my XXXX  XXXX  XXXX  account. This is the same account previously resolved through the CFPB, where XXXX  confirmed my account was corrected to paid as agreed and brought current. However, XXXX  has continued to apply charges and payments to an account that, by their own written admission, was closed on XX/XX/year>. Despite this, XXXX  processed a {$160.00} payment on XX/XX/year> nearly two months after closure then marked it as returned and began adding new fees, including a {$41.00} late fee and a {$12.00} account maintenance fee, bringing the balance to {$230.00}. My XX/XX/year> statement even showed a {$0.00} balance and thanked me for paying in full. These actions are deceptive and improper, as the account should not have been accepting payments or generating new charges after closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-14 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: IL

Complaint narrative:
This account is not mine and is being reported inaccurately on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On approximately [ Enter the date the funds were seized, e.g., XX/XX/XXXX ], PayPal permanently limited my account and seized my entire balance of [ Enter the exact amount of money seized, e.g., {$3400.00} USD ]. PayPal claims this was for " liquidated damages '' due to an unspecified violation of their Acceptable Use Policy ( AUP ). 

I have made multiple attempts to resolve this issue in good faith, and PayPal has refused to provide any evidence or specific reason for seizing my funds. 

My First Attempt ( Polite Inquiry ) : On [ Enter date of your polite message ], believing this was a misunderstanding related to my e-commerce business, I sent a polite message explaining my business model and offering to provide any documentation to verify my transactions. PayPal responded with a generic message stating their " decision is final '' and ignored my offer to provide proof of legitimacy. 

My Second Attempt ( Formal Demand ) : On [ Enter date of your formal demand message ], I sent a formal demand for specific information. I requested : The specific AUP clause I allegedly violated. 

The evidence supporting their claim. 

A detailed calculation of the damages they seized. 

PayPal 's Final Response : On XXXX XX/XX/XXXX XXXX, PayPal again refused to provide any information. Their support agent explicitly told me, " You have the full right to escalate this to any regulatory bodies that you deem appropriate. '' PayPal has acted as judge, jury, and executioner, seizing my funds without providing a shred of evidence, denying me any form of due process, and refusing to engage in good faith. After refusing to justify their actions, they challenged me to file this complaint. I am now doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-14 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:
Kindly delete the contested accounts in accordance with the timeframe outlined in 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Regarding XXXX XXXX Retaliatory and Inaccurate Credit Reporting by XXXX XXXX XXXX : Retaliatory and Inaccurate Credit Reporting by XXXX XXXX It is the credit reporting agency job, by law, to verify the information on a credit report and not any one else In XX/XX/XXXX, I lawfully disputed inaccurate information on my credit reports concerning a XXXX XXXX ( XXXX ) auto loan account opened in XXXX and settled in XX/XX/XXXX. Shortly after my dispute, XXXX XXXX altered the reporting across all three credit bureaus in a way that made the account appear more negative and factually incorrect, without any new information to justify the changes. 
Before my dispute, all credit reports consistently showed the account as settled, paid, and closed with a {$0.00} balance. After my dispute in XX/XX/XXXX, XXXX XXXX updated the account to reflect a {$11000.00} written off balance, changed payment history data, altered closure dates inconsistently across bureaus, and even changed the date major delinquency first reported from XX/XX/XXXX to XX/XX/XXXX. These actions immediately followed my lawful dispute and appear retaliatory. 
In reality, XXXX XXXX repossessed the vehicle in XXXX, sold it at auction for more than the balance owed, paid the account in full, and issued me a refund check for the surplus funds. There was no charge-off or debt forgiveness, and XXXX XXXX never filed a required IRS Form XXXX by XX/XX/XXXX, as would be required for any true write-off. 
These post-dispute actions constitute willful violations of : - FCRA 623 ( a ) ( 1 ) furnishing inaccurate information ; - FCRA 623 ( a ) ( 3 ) retaliation for filing a dispute ; - FCRA 607 ( b ) failure to maintain accuracy ; and - FCRA 611 ( a ) failure to conduct a reasonable reinvestigation.

Harm : My credit scores dropped significantly, and lenders now view the account as newly negative six years after settlement. 

I have filed a complaint with the Texas Attorney Generals office and am seeking legal counsel Requested Relief : - Require XXXX XXXX to correct or remove the inaccurate data ; - Ensure all three credit bureaus reflect the account as settled and paid in full as of XX/XX/XXXX ; - Review XXXXXXXX XXXX conduct for potential systemic FCRA violations. 
Attachments : - XX/XX/XXXX and XX/XX/XXXX credit reports ( Experian, Equifax, TransUnion ) Sincerely, XXXX XXXX Date : 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 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : IMMEDIATE DEMAND FOR DELETION FORMAL DIRECT DISPUTE UNDER FCRA 623 ( a ) ( 8 ) & 12 C.F.R. 1022.43 ACCOUNT : Collection for XXXX XXXX XXXX XXXX Acct # [ Last 4 ] CONSUMER : XXXX XXXX XXXX | XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX NOTICE OF LEGAL LIABILITY & LITIGATION HOLD This letter imposes a Litigation Hold on all records ( lease/ledger, assignment documents, furnishing logs ). Failure to comply is spoliation of evidence and may be deemed willful noncompliance. 
FURNISHING DEFECTS & FCRA VIOLATIONS Severe Misclassification XXXX XXXX ) : Your furnishing causes TU to display this as an Open account instead of a collection, violating accuracy and XXXX XXXX rules. It MUST be furnished as XXXX XXXX XXXX. 
Missing Chain of Title/DOFD ( 623 ( a ) ( 5 ) ) : You have failed to produce the lease/contractual evidence establishing the chain of assignment/legal right to report and the Original Creditors Date of First Delinquency ( DOFD ). 
Accuracy Failure ( 607 ( b ) ) : Date fields conflict across CRAs ( e.g., Last Reported ). 
ULTIMATE DEMAND : DELETE IF UNVERIFIABLE Pursuant to FCRA 623 ( a ) ( 8 ), you must conduct a meaningful investigation ( XXXX ) and respond within XXXX days. The only acceptable verification is based on original-source records. 
MANDATORY DELETION : If you can not produce the complete legal chain of title/assignment and the Original Creditors itemized ledger establishing the correct Field 25 ( DOFD ), you MUST IMMEDIATELY CEASE REPORTING and instruct all CRAs to DELETE this tradeline. 
REQUIRED DISCLOSURE : Provide the raw Metro XXXX Collection segment data ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX  logs for all disputes/updates. You must also provide a copy of the specific records reviewed during your investigation. 
Failure to delete unverifiable data will prompt immediate action under FCRA 616, 617, seeking Punitive Damages for willful noncompliance. 
Sincerely, XXXX XXXX XXXX Enclosures : ID ; Proof of Address ; Highlighted Bureau Pages ; Lease Ledger ( if available ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
This is a follow up to my complaint ID XXXX. I forgot to mention very important context After reviewing my records, I found a XX/XX/XXXX chat transcript where an Amex representative ( XXXX XXXX explicitly confirmed in writing that the {$250.00} statement credit on my account was my welcome-offer bonus. This confirmation occurred about a month after a XXXX refund that Amex now says caused me to fall below the {$3000.00} spending requirement. The refund had already fully processed by that date, so I reasonably believed the confirmation was accurate. 

I acted in good faith based on the information Amex gave me and had no reason to think I hadnt qualified. Months later Amex reversed the credit and charged me {$250.00}, which blindsided me financially. 

Since filing my original complaint, Ive contacted Amex repeatedly and explained all of this. Each time Ive received cut-and-dry, scripted responses that repeat policy language and imply I did something wrong, while refusing to acknowledge the written confirmation from their own representative. Ive also requested escalation and a copy of my chat transcripts, but Ive been stonewalled at every step. 

This has been extremely stressful and feels fundamentally unfair and misleading. Im asking the CFPB to review this additional documentation showing that I relied on Amexs own confirmation in good faith and that the companys subsequent handling of my case has been dismissive and unempathetic. 

Thank you very much for your time and for reviewing this follow-up evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I submitted the same complaint back on XX/XX/2025. The company lied and stated they never blocked my access. It was only unlocked because XXXX forwarded the complaint. This company removed checking account abilities to pay when the contract offered it and now it's debit card only. I went along with it. Now they're playing around with my payment ability again. I only have a little over XXXX to pay on this XXXX vehicle to be rid of CNAC for good. This car has not been operable for over 7 months and they are aware of it. The vehicle is in my garage and not being utilized. I've spent thousands of dollars in repairs only for the car to shut off by the time I pull out my garage. The car can't even turn on without a jump. CNAC is using deceitful tactics to force me into their awful insurance. I've obtained XXXX XXXX  and CNAC refused it stating the deductible are too high and the excluded driver isn't accepted. I called XXXX this morning and was advised that they've updated both my deductibles to XXXX and the excluded driver stays. They stated my husband XXXX XXXX doesn't have a license, the car is not operable and in the state of Texas a married couple can exclude their spouse from the policy. XXXX states its the law and CNAC doesn't go higher than the law.

Company response to consumer: Closed with explanation