vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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 vehicle was declared a total loss in XX/XX/XXXX. A gap insurance claim was opened and was responsible for paying the remaining balance on my auto loan with XXXX XXXX. 

There was a delay in the gap payout due to the insurance company requesting additional information that I was unaware of. The claim was eventually completed and XXXX XXXX was paid in full in XX/XX/XXXX. The account now has a XXXX balance and is closed. 

Despite this, XXXX XXXX reported late payments and then reported the account as a charge-off in XX/XX/XXXX while an active insurance claim was still in progress. The account was never abandoned, and payment was being processed by insurance. Reporting a charge-off under these circumstances is inaccurate and misleading. 

I contacted XXXX XXXX to dispute the late payments and charge-off status. They refused to correct the reporting, even after receiving full payment from insurance. They stated that the credit reporting is accurate because the contract says I was still required to make payments until insurance paid out, but this does not change the fact that they charged off a balance that was ultimately paid. It misrepresents the account and damages my credit. 

Under the Fair Credit Reporting Act, furnishers must not report information that is inaccurate or misleading. Reporting this account as a charge-off does not accurately reflect the final outcome of the loan. I am requesting that the late payments and charge-off be removed and the tradeline be updated to reflect : Paid in Full / Closed in XXXX XXXX. As well as a goodwill adjustment to the payment history.

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 2025-11-06 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:
My vehicle was declared a total loss in XX/XX/XXXX. A gap insurance claim was opened and was responsible for paying the remaining balance on my auto loan with XXXX XXXX. 

There was a delay in the gap payout due to the insurance company requesting additional information that I was unaware of. The claim was eventually completed and XXXX XXXX was paid in full in XX/XX/XXXX. The account now has a XXXX balance and is closed. 

Despite this, XXXX XXXX reported late payments and then reported the account as a charge-off in XX/XX/XXXX while an active insurance claim was still in progress. The account was never abandoned, and payment was being processed by insurance. Reporting a charge-off under these circumstances is inaccurate and misleading. 

I contacted XXXX XXXX to dispute the late payments and charge-off status. They refused to correct the reporting, even after receiving full payment from insurance. They stated that the credit reporting is accurate because the contract says I was still required to make payments until insurance paid out, but this does not change the fact that they charged off a balance that was ultimately paid. It misrepresents the account and damages my credit. 

Under the Fair Credit Reporting Act, furnishers must not report information that is inaccurate or misleading. Reporting this account as a charge-off does not accurately reflect the final outcome of the loan. I am requesting that the late payments and charge-off be removed and the tradeline be updated to reflect : Paid in Full / Closed in XXXX XXXX. As well as a goodwill adjustment to the payment history.

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 2025-11-06 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: MS

Complaint narrative:
I am writing to dispute multiple accounts that have been inaccurately reported on my credit report with Experian. These accounts are marked as " charged off, '' and I believe they contain errors that need to be addressed. I request a thorough investigation into these accounts, as I believe they do not reflect accurate information. 

CHARGED OFF DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$480.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2200.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$4400.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2300.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$3700.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$4300.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2200.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$4400.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2300.00} DOE XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate. 
I am having trouble with my credit applications because of it, which is extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute certain negative items appearing on my credit report. After reviewing my credit history, I found several derogatory marks that I believe should be corrected or removed. 
The specific items in question are : XXXX. XXXXXXXX XXXX XXXXXXXX : A charge-off of {$850.00} related to XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX : A charge-off for {$250.00}. 
XXXX. XXXX XXXX XXXX : A collection account with {$580.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-06 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: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-06 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 noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-06 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:
EVEN AFTER BEING NOTIFIED, THEY ARE CONTINUING TO REPORT THESE FRAUDULENTS ACCOUNTS ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: AR

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Over the past years I have been going back and forth with the mortgage company. The issue started with the merger of Wells Fargo and Wells Fargo Financial. I had a fixed rate and when I realized I was put in a balloon mortgage I called the company several times to change the product right away I kept being red line but the were adding the Escrow fees every time I apply and was denied the fees were not removed ... The covid came I was told the would put the payment on the back with no penalties that was not true they added interest for all the days

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 2025-11-06 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
This complaint is about a Bank called " TD ''. 
I opened XXXX accounts with this bank on about XXXX of 2024. 
On XXXX XXXX of XXXX  decided to close out the savings account ( endling with XXXX ) and transfer all the funds to my checking account ( endling with XXXX ). The demand to close and transfer the funds was done ( XX/XX/year> ) inside the branch at : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 
Their direct phone number is ( XXXX ) XXXX. 
However I kept getting maintenance fees each month after that closure ( each fee is {$15.00} a month ). I called the bank 's main number and explained to them the problem. They refunded some of the late fees and assured me it won't happen again and that the account is no longer active. Their explanation was ( the savings account had interest added which promted it to remain open and therefor late fees took place ). Which is nonsens and a clear scam according to several other friends that had similar experiences. Especially when this transaction ( late Maint. fee ) was under a hidden strange name ( Active offset ). 
So after a while ( several months ) I realized that the old savings account was still appearing on my app and statements with the same maintenance fees ( up until now ). 
This week ( XXXX XXXX to be exact ) I personally went to the same branch to close out my old checking account and tell them for the XXXX time to completely terminate my savings and my old checking account whicj needed to be closed due to bank 's mistake ( not mine ). 
Apparently it is a problem after another problem with this bank. 
They did refund some of the fees but the account is still open even after I ( the account legal holder ) told them several times to make it deisappear ( permenant closure ). 
I am still waiting to resolve this issue. 
My decission regardless of the outcome is to never deal with this dirty bank and it's incompetent CEO 's, employees... etc. 
Your bureau will not be the only people I will relate this complaint to. 
This bank will be exposed on my end in so many different ways.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-11-06 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
the company is attempting to collect a debt without notifying me of the itemization of a bill that I do not owe. they sneakily put a debt on my credit report to harm me. They refuse to remove it and now even refuse to take payment.

Company response to consumer: Closed with explanation