vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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! 


Update 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 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: CA

Complaint narrative:
I have a real estate brokerage and signed up with a company named XXXX XXXX ( XXXX ) who was supposed to generated leads for my company. The leads were supposed to be qualified buyers and sellers of real estate in the XXXX XXXX area. Per the contract I signed with them, they guaranteed a minimum of XXXX qualified appointments and XXXX closed deal within 180 days of utilizing their service. 

The company signed me up for their XXXX XXXX  at {$4900.00} plus $ XXXX {$500.00} per month in social media marketing. They set me up with a company named Klarna to pay the fee. It was a loan from Klarna with monthly installment payments. 

The leads that they generated were far from qualified as most had no money, no job, one was homeless, and one was an illegal immigrant that did not have US Citizenship papers. 

I began complaining to the company about the poor quality leads and they made excuses and said they would improve. Eventually, they stopped sending leads altogether and begin ignoring my calls, emails, texts and attempts to make contact. I threatened to take legal action and report them and then, they sent me a message with an apology and a XXXX story about how one of the partners in the company ( XXXX in XXXX ), left the company and took a bunch of clients and sensitive data, etc. 

I also reached out to Klarna via email, post mail, and phone but have not heard back from them either. 

I have connected with other Real Estate agents through social media that were also victims of their scam. 

Now I'm following through with reporting them to the various government agencies so that they are not able to do this scam to other real estate brokers and agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
To Whom It May Concern, This letter serves as my 4th formal dispute regarding multiple inaccurate and harmful charge-off accounts being reported on my credit file. Despite previous requests, these accounts remain unresolved and are in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and Section 611, and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts are being erroneously and unlawfully reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Status : Charge-Off I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these persistent violations and attached a copy of my FTC Identity Theft and Complaint Report for your records. These accounts do not belong to me, were not authorized by me, or are being inaccurately reported, and your continued failure to act constitutes willful noncompliance. 

I am now demanding : Immediate investigation and deletion of the above accounts. 

Written confirmation that these entries have been removed. 

A full updated copy of my credit report reflecting these changes. 

Failure to act immediately will result in formal legal action under federal law for willful defamation, negligence, and noncompliance, including civil penalties and damages for continued reporting of false information after being notified multiple times. 

You are hereby notified to complete your reinvestigation within 30 days of receipt of this letter, as required by the FCRA.

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 2025-05-17 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:
To Whom It May Concern, This letter serves as my 4th formal dispute regarding multiple inaccurate and harmful charge-off accounts being reported on my credit file. Despite previous requests, these accounts remain unresolved and are in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and Section 611, and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts are being erroneously and unlawfully reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Status : Charge-Off I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these persistent violations and attached a copy of my FTC Identity Theft and Complaint Report for your records. These accounts do not belong to me, were not authorized by me, or are being inaccurately reported, and your continued failure to act constitutes willful noncompliance. 

I am now demanding : Immediate investigation and deletion of the above accounts. 

Written confirmation that these entries have been removed. 

A full updated copy of my credit report reflecting these changes. 

Failure to act immediately will result in formal legal action under federal law for willful defamation, negligence, and noncompliance, including civil penalties and damages for continued reporting of false information after being notified multiple times. 

You are hereby notified to complete your reinvestigation within 30 days of receipt of this letter, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
I am disputing a XXXX  collection account now reported by Source Receivables Management XXXX My final bill from XXXX was in XX/XX/XXXX, yet Source Receivables is reporting the account as opened on XX/XX/XXXX, which falsely re-ages the debt and makes it appear newer than it actually is. 

This violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), which requires furnishers to report the original Date of First Delinquency ( DOFD ) not reset the timeline when the debt is sold or transferred. It also violates Metro 2 reporting standards that govern how collection data should be accurately reported. 

This type of reporting misleads creditors and consumers and may extend the life of the tradeline illegally. I disputed this through XXXX XXXX and directly, and the collector has not corrected the account or validated it. This behavior may also violate the FDCPA 809 ( b ) and XXXX  Consumer Fraud Act XXXX XXXX XXXX  ) due to deceptive representation of account age. 

I request this account be reinvestigated immediately. If the XXXX can not be verified properly, the account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I was alarmed XXXX 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 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 2025-05-17 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: MI

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-17 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the abrupt closure of my Chase accounts and the banks continued failure to release my remaining balance of {$14000.00}. My accounts were closed in XX/XX/year>, and I have since been trying to resolve the matter for over three weeks with no success. 

Both my business and personal accounts were closed without prior notice or clear justification. I was informed that the release of my funds was contingent upon verification of six checks. I have fully cooperated and provided all the requested information, including : The names and phone numbers of the individuals and corporations that issued the checks.

Verification contact details for all six check issuers.

Despite these efforts, Chase has neither verified the checks nor provided any clear path forward. I have made multiple attempts to follow up, yet no one has taken accountability for assisting or providing a timeline for resolution. This situation has caused significant financial hardship and disrupted my personal and business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have been trying to use my credit and I have been denied multiple times even after they sent me a confirmation that I have more then enough purchasing power. I called the Three federal Bureaus and confirmed there are no issues with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I was a victim of fraud an numerous account popped up besides brings a victim to Pandemic Unemployment Agency in ended up with accounts that had tried disputing several times an they are impacting my credit report under 605a an 15 usc 16666. I even filed a report with FTC the report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
They stated I got a loan out back in XX/XX/year> for XXXX $ from a credit builder loan they offer on there website but when looking through the app and past loans I see no loan with XXXXXXXX XXXX that was taken out. This has cause them to hold a lot of my money from me because they said I need to pay off this loan that doesn't exist. I been fighting with this company about all kind of charges they claim they didn't take but in my statements I see charges from this company themselves.

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 2025-05-17 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: AZ

Complaint narrative:
I am disputing a XXXX collection account now reported by XXXX XXXX XXXX XXXX My final bill from XXXX was in XX/XX/XXXX, yet XXXXXXXX XXXX is reporting the account as opened on XX/XX/XXXX, which falsely re-ages the debt and makes it appear newer than it actually is. 

This violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), which requires furnishers to report the original Date of First Delinquency ( DOFD ) not reset the timeline when the debt is sold or transferred. It also violates Metro 2 reporting standards that govern how collection data should be accurately reported. 

This type of reporting misleads creditors and consumers and may extend the life of the tradeline illegally. I disputed this through XXXX XXXX and directly, and the collector has not corrected the account or validated it. This behavior may also violate the FDCPA 809 ( b ) and XXXX Consumer Fraud Act XXXX XXXX XXXX ) due to deceptive representation of account age. 

I request this account be reinvestigated immediately. If the DOFD can not be verified properly, the account should be removed 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 2025-05-17 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: AZ

Complaint narrative:
I am disputing a XXXX  collection account now reported by XXXX XXXX XXXX XXXX My final bill from XXXX was in XX/XX/XXXX, yet XXXXXXXX XXXX is reporting the account as opened on XX/XX/XXXX, which falsely re-ages the debt and makes it appear newer than it actually is. 

This violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), which requires furnishers to report the original Date of First Delinquency ( DOFD ) not reset the timeline when the debt is sold or transferred. It also violates Metro 2 reporting standards that govern how collection data should be accurately reported. 

This type of reporting misleads creditors and consumers and may extend the life of the tradeline illegally. I disputed this through XXXX XXXX and directly, and the collector has not corrected the account or validated it. This behavior may also violate the FDCPA 809 ( b ) and XXXX  Consumer Fraud Act ( XXXX XXXX ) due to deceptive representation of account age. 

I request this account be reinvestigated immediately. If the DOFD can not be verified properly, the account should be removed from my credit report.

Company response to consumer: Closed with explanation