vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
This account was satisfied via a contract re-write of a XXXX XXXX. The company continued to falsely report my balance incorrectly as {$26.00} outstanding on XXXX separate accounts no matter how many times I disputed this. For years they reported to the credit bureaus the accounts were closed which is accurate ; however, since submitting multiple complaints with the CFPB, XXXX now seeing this company & the credit bureaus have colluded together in re-opening the for years & months the XXXX previously closed accounts. This is disturbing & concerning. It is illegal and a violation of my rights! Both XXXX accounts being reported on my credit reports are closed with balanced settled to {$0.00}. These accounts settled via XXXX restructuring the loan! Please assist. This is XXXX XXXX XXXX that companies are allowed to not only incorrectly report erroneous information on a persons credit file but to do so as conveniently and freely as possible. For years this was reported as a closed accounts with an outstanding {$26.00} balance ( actually : {$0.00} balance ) but re-opens it without any new agreement or authorization from the consumer at random or when theyre being investigated! This IS WRONG!

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 2025-04-15 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: GA

Complaint narrative:
This account was satisfied via a contract re-write of a XXXX XXXX. The company continued to falsely report my balance incorrectly as {$26.00} outstanding on XXXX separate accounts no matter how many times I disputed this. For years they reported to the credit bureaus the accounts were closed which is accurate ; however, since submitting multiple complaints with the CFPB, XXXX now seeing this company & the credit bureaus have colluded together in re-opening the for years & months the XXXX previously closed accounts. This is disturbing & concerning. It is illegal and a violation of my rights! Both XXXX accounts being reported on my credit reports are closed with balanced settled to {$0.00}. These accounts settled via XXXX restructuring the loan! Please assist. This is XXXX XXXX XXXX that companies are allowed to not only incorrectly report erroneous information on a persons credit file but to do so as conveniently and freely as possible. For years this was reported as a closed accounts with an outstanding {$26.00} balance ( actually : {$0.00} balance ) but re-opens it without any new agreement or authorization from the consumer at random or when theyre being investigated! This IS WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-15 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: PA

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 non-monetary relief
Consumer complaint received 2025-04-15 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: VA

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 2025-04-15 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-15 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-15 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, Equifax, and Experian are all reporting incorrect information on my credit profile.

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 2025-04-15 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: AR

Complaint narrative:
I am filing this complaint against XXXX for false and damaging reporting to the credit bureaus that violates federal law and common sense. I have been a loyal customer of XXXX for over two years and have never missed a single paymentuntil this issue, which stems from a fraud dispute and not negligence on my part. 

In XXXX, I was a victim of fraud and disputed all accounts to investigate unauthorized activity. XXXX payment is due on the first of each month, and I still made the XX/XX/XXXX payment, which was applied toward the XXXX balance while the dispute was active. My Debt Management Plan ( DMP ) was officially accepted on XX/XX/XXXX, and the XXXX balance was included. 

Heres where it gets worse : in XXXX, XXXX received TWO separate paymentsone from the DMP and one directly from me because the account was still showing past due. And yet, XXXX had the audacity to report this account as 30 days late on my credit report. This is not only falseits absolutely ridiculous. 

The monthly payment on this account is {$25.00}. Yes, just twenty-five dollars. Its laughable that XXXX would even suggest I was unable or unwilling to pay such a small amountespecially when Ive gone above and beyond to make sure they were paid twice in the same month. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires creditors to report accurate information and to correct any errors after being notified. XXXX has failed in this responsibility. This may also fall under deceptive and misleading practices, which are prohibited under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e.

I am demanding the following : Immediate removal of the incorrect 30-day late mark from all credit bureaus.

Written confirmation that the account is marked as paid on time. 

A full internal review of XXXX handling of DMP enrollments and duplicate payments. 

If this is not resolved right away, I will be contacting an attorney and exploring all legal remedies available to me. I expect a written response and resolution within the CFPBs 15-day timeline. This has caused unnecessary damage to my credit over a {$25.00} payment that was never missed. 

I will not let this go. Fix it now.

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 2025-04-15 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: AR

Complaint narrative:
I am filing this complaint against XXXX for false and damaging reporting to the credit bureaus that violates federal law and common sense. I have been a loyal customer of XXXX for over two years and have never missed a single paymentuntil this issue, which stems from a fraud dispute and not negligence on my part. 

In XXXX, I was a victim of fraud and disputed all accounts to investigate unauthorized activity. XXXX payment is due on the first of each month, and I still made the XX/XX/XXXX payment, which was applied toward the XXXX balance while the dispute was active. My Debt Management Plan ( DMP ) was officially accepted on XX/XX/XXXX, and the XXXX balance was included. 

Heres where it gets worse : in XXXX, XXXX received TWO separate paymentsone from the DMP and one directly from me because the account was still showing past due. And yet, XXXX had the audacity to report this account as 30 days late on my credit report. This is not only falseits absolutely ridiculous. 

The monthly payment on this account is {$25.00}. Yes, just twenty-five dollars. Its laughable that XXXX would even suggest I was unable or unwilling to pay such a small amountespecially when Ive gone above and beyond to make sure they were paid twice in the same month. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires creditors to report accurate information and to correct any errors after being notified. XXXX has failed in this responsibility. This may also fall under deceptive and misleading practices, which are prohibited under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e.

I am demanding the following : Immediate removal of the incorrect 30-day late mark from all credit bureaus.

Written confirmation that the account is marked as paid on time. 

A full internal review of XXXX handling of DMP enrollments and duplicate payments.

If this is not resolved right away, I will be contacting an attorney and exploring all legal remedies available to me. I expect a written response and resolution within the CFPBs 15-day timeline. This has caused unnecessary damage to my credit over a {$25.00} payment that was never missed. 

I will not let this go. Fix it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: AR

Complaint narrative:
I am filing this complaint against XXXX for false and damaging reporting to the credit bureaus that violates federal law and common sense. I have been a loyal customer of XXXX for over XXXX years and have never missed a single paymentuntil this issue, which stems from a fraud dispute and not negligence on my part. 

In XXXX, I was a victim of fraud and disputed all accounts to investigate unauthorized activity. XXXX payment is due on the first of each month, and I still made the XX/XX/XXXX payment, which was applied toward the XXXX balance while the dispute was active. My Debt Management Plan ( DMP ) was officially accepted on XX/XX/XXXX, and the XXXX balance was included. 

Heres where it gets worse : in XXXX, XXXX received XXXX separate paymentsone from the DMP and one directly from me because the account was still showing past due. And yet, XXXX had the audacity to report this account as 30 days late on my credit report. This is not only falseits absolutely ridiculous. 

The monthly payment on this account is {$25.00}. Yes, just twenty-five dollars. Its laughable that XXXX would even suggest I was unable or unwilling to pay such a small amountespecially when Ive gone above and beyond to make sure they were paid twice in the same month. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires creditors to report accurate information and to correct any errors after being notified. XXXX has failed in this responsibility. This may also fall under deceptive and misleading practices, which are prohibited under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e. 

I am demanding the following : Immediate removal of the incorrect 30-day late mark from all credit bureaus.

Written confirmation that the account is marked as paid on time. 

A full internal review of XXXX handling of DMP enrollments and duplicate payments. 

If this is not resolved right away, I will be contacting an attorney and exploring all legal remedies available to me. I expect a written response and resolution within the CFPBs 15-day timeline. This has caused unnecessary damage to my credit over a {$25.00} payment that was never missed. 

I will not let this go. Fix it now.

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 2025-04-15 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the fair reporting credit act this creditor has violated my rights under 15USC 1581 section 602 states I have the right to privacy 15USC 1681 section 604A section 2 it also states a consume reporting agency can not firmest an account without my written instruction under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I opened a business bank account with PNC. They allowed me to deposit money. 
Due to negligence, the bank has a hold on my account and I am unable to conduct business and access my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I had to get a XXXX from work & cashapp took the money even tho I never received a ride. I ask them if they could dispute the payment and they never helped me at all they actually REFUSED the give my money back.

Company response to consumer: Closed with explanation