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

Complaint narrative:
I am submitting this complaint after countless attempts to resolve a fraudulent and unverifiable XXXX XXXX account ( Account No. XXXX ) that continues to appear on my credit report. Despite filing multiple disputes with Experian, TransUnion, and Equifax, the bureaus have repeatedly marked the account as verified without providing any documentation or conducting a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

I have submitted my dispute physically via certified mail, enclosing a full identity theft report filed with the Federal Trade Commission ( FTC ), along with a copy of my government-issued ID and proof of address. To date, no meaningful action has been taken by the credit bureaus, which is a violation of FCRA 605B, requiring fraudulent information to be blocked within XXXX business days of receiving appropriate documentation. 

This account has also been reported to the XXXX XXXX XXXX XXXX XXXX ) as part of my formal complaint and demand for deletion. 

The continued reporting of this fraudulent and unverifiable account has severely harmed me, resulting in the denial of a mortgage loan, loss of housing opportunities, and emotional and financial stress. I am now demanding, under my legal rights, the permanent deletion of this account within XXXX hours of receiving this complaint. 

If no action is taken, I will escalate this matter further with the State Attorney Generals Office and consider pursuing civil litigation under 15 U.S.C. 1681n and 1681o for damages. 

Sincerely, 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 2025-05-05 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 explanation
Consumer complaint received 2025-05-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXXXXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: Ava Finance, Inc
State: GA

Complaint narrative:
XXXX Credit Report ( Reference File Number XXXX ) indicated I had an account assigned with AVA Finance that was disputed and verify as accurate. Also AVA Finance was notified that this was not made thru a credit application that I made. What flagged mE originally that this was fraud what that the address is not may address I've had for over 30 years and was in a different city. A police report was made, Also another flag was a phone number in the account that was not mine. I had asked XXXX XXXX and AVA to remove all this information from my credit report. The report says the account was closed by the consumer, however I neve opened or closed the account, I have been attempting to resolve this issue for about 5 or 6 weeks. Not the AVA account shows a 30 day late payment oof XXXX dollars for what looks to be a {$300.00} balance. Teh dispute with XXXX shows : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. ''

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

Complaint narrative:
This is a formal follow-up to my previous correspondence regarding inaccurate and unverified negative items being reported on my credit file. Upon further review, I have identified multiple discrepancies in the way the following negative accounts are being reported by TransUnion, Experian, and Equifax.

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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were not initiated by me and I did not grant permission to any of the companies listed below to access my credit file. 


Under the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be made with a consumers explicit authorization. Since I did not authorize these credit pulls, they are inaccurate and in violation of my rights. I respectfully request that these inquiries be removed from all three of my credit reports ( XXXX XXXX and TransUnion ). 

I have also contacted the credit reporting agencies and the companies that initiated these inquiries to resolve this matter. 

Please find enclosed copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

I would appreciate your assistance in investigating and resolving this matter promptly. Thank you for your time and attention.

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 2025-05-05 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: VA

Complaint narrative:
b'Identity theft from equifax data breach( please see attached documents)'

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 2025-05-05 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: TX

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in to be removed.

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. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete 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 2025-05-05 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: OH

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-05-05 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: AL

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 may 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-05 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: NC

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a complaint against Experian and Equifax for failure to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ). I submitted a formal identity theft dispute, requesting the XXXX block and permanent deletion of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me, and I did not authorize or open them. I provided the required documentation : an FTC Identity Theft Report, a government-issued photo ID, and proof of my current address. Despite fulfilling all legal requirements, the accounts have not been removed within the mandated XXXX business days. 

I am requesting CFPB assistance in ensuring compliance with federal law and having these fraudulent accounts permanently deleted from my credit report.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint against Navy Federal Credit Union for XXXX XXXX XXXX XXXX laws related to my mortgage account, which is a XXXX loan. I was placed on an approved forbearance in XXXX due to natural disaster-related hardship and was current prior to entering forbearance. 

On XX/XX/XXXX, while still under forbearance, I contacted XXXX XXXX and initiated a repayment plan. This call and plan initiation were later verified by XXXX XXXX through their own internal review after I provided phone records confirming the date and time of the call. 

Despite my full compliance with the repayment terms including making a payment on XX/XX/XXXX, as instructed XXXX XXXX reported my account as delinquent to the credit bureaus. This action has caused a significant drop ( nearly XXXX points ) in my XXXX XXXX and has materially harmed my creditworthiness. 

XXXX XXXX initially claimed that my repayment plan was started outside of the forbearance period. After proving that was false, they then claimed I was reported delinquent due to a letter sent on XX/XX/XXXX stating they " XXXX report the account as delinquent. '' Most recently, they stated that the XXXX XXXX does not apply to VA loans, which is factually and legally incorrect. 

The CARES Act Section XXXX explicitly includes VA loans ( defined as " guaranteed under section 3703 of title 38, U.S. Code '' ) under the definition of federally backed mortgage loan. Moreover, Section XXXX, which amends the Fair Credit Reporting Act ( FCRA ), requires that any account that was current prior to accommodation and is in compliance must be reported as current during the accommodation period. This protection applies regardless of loan type. 

Despite acknowledging that my VA loan is covered under the CARES Act, XXXX XXXX refuses to correct the derogatory credit reporting, and claims their actions were appropriate even though they conflict with the law and with CFPB guidance that states : When a lender or servicer offers a forbearance or repayment option and the consumer complies with it, the lender should not report the account as delinquent.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX i scheduled a payment {$400.00} car payment XX/XX/year> it withdrawn from my bank XX/XX/year> it was posted for payment recieved from toyota XX/XX/year> for the first time payment was refund to my bank why? ive made payment in the past and they have been accepted am begging you to please let me know were i can make a payment? 
i will be making mulitple compliant for each month so i can understand clearly this not the first time ive had issue i, make payment toyota say it been reversal and i never recieved my refunded and i end up losing my money because toyota never send money back to my bank and i have prove but that in another compliant because the compliant is only for the month of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED BANKSHARES, INC.
State: NC

Complaint narrative:
Card information stolen from me XX/XX/XXXX Friday night. {$30.00} in Missouri and then {$0.00} in Tennessee minutes later, again finally got an alert for them trying {$30.00} more in Missouri. Bank does not have a 24hour number nor open on the weekends so first thing Monday I went to my United Bank branch in XXXX XXXX to get a new card and dispute my transactions. She mailed a new one out and said she started a dispute and I should get a refund in less than a week but never gave me a dispute number. Week goes by and no refund so I called the help line when they were open and told me the charge was never disputed and asked for a dispute Id. I told them I did not get one and they argued with me thinking I made the charged myself. I asked them how was that possible I made charges in one day in 3 different states. They finally put a chargeback on the charge but it's a total joke how this was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : Inquiry Regarding Past Due Notification on Account Ending in XXXX Dear American Express Customer Service, I am writing to report a discrepancy regarding my account, XXXX. Upon accessing my account details via the American Express mobile application today, XX/XX/year>, I received an alert indicating that my account is past due. 

However, upon reviewing my account statement and current balance information, it clearly shows a {$0.00} balance. Given that there is no outstanding amount owed, the " past due '' notification appears to be erroneous. 

Could you please investigate this matter and rectify the account status? I would appreciate confirmation once the alert has been corrected and confirmation that this incorrect status will not negatively impact my account standing or credit history. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Summary of Complaint This is a formal complaint against XXXX or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
V. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each. 
II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

Company response to consumer: Closed with explanation