vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2025-08-02 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the 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 non-monetary relief
Consumer complaint received 2025-08-02 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account.If you believe that you have sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my reports or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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. EQUIFAX EXPERIAN TRANSUNION 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 explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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. EQUIFAX EXPERIAN TRANSUNION 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 2025-08-02 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: NM

Complaint narrative:
My account with EQUIFAX TRANSUNION 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 XXXX  days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX 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 2025-08-02 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: NJ

Complaint narrative:
I am writing to file a formal complaint against Equifax for inaccurate reporting on my credit report regarding a XXXX credit card account ending in XXXX. These inaccuracies are causing undue harm to my credit score and overall financial well-being. According to 15 USC 1681 this negative reporting is a defamation of my character. 

I am referencing a letter from XXXX XXXX XXXX, dated XX/XX/XXXX, in response to CFPB Case No. XXXX, to support the following claims : * Incorrect Date of First Delinquency : While Equifax may be reporting a different date, XXXX XXXX  XXXX confirms that the actual date of the first delinquency for this account was XX/XX/XXXX, not XX/XX/XXXX. 
* Inaccurate Payment History : Equifax doesn't reflect the correct last payment amount. XXXX XXXX XXXX confirms that the last valid payment received was {$100.00} on XX/XX/XXXX. 
* Conflicting Charge-Off Information : Equifax is not accurately reflecting the charge-off date and balance. XXXX XXXX XXXX states the account was charged off on XX/XX/XXXX, with an outstanding balance of {$810.00} These discrepancies are demonstrably false and negatively impact my ability to obtain credit to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a letter from US Bank on XX/XX/year>, stating I opened up a US Bank Smartly Checking account on XX/XX/year>. I did not open this account, and I am not a US Bank customer. 

I reached out to their Fraud department and spoke with two agents ( XXXX and XXXX ) who both said that unless I provided my social security number, they could not help research of close they fraudulently opened account. Most legitimate financial organizations warn explicility about providing your social security number, especially to organizations you are not associated with, however, US Bank would not assist me unless I provided them my social security number. 

US Bank would not confirm what stolen information they have on me, nor would they assist in closing or freezing the fraudulent account in question. I never opened up an account with US Bank, I've never walked into a US Bank branch and I feel US Bank has committed fraud my opening up an account without my permission.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/year>. {$500.00} I had applied for XXXX  pay account and add {$500.00} for the first XXXX rent. When I tried to add XXXX  routing and account number to my apartment web site. The web site would not accept the routing account So I cancelled. I contact XXXX  they said XXXX have to contact the bank because they never used the XXXX XXXXtoward rent. I had cancelled before XXXX rent was due. I cancel the same day I tried to flex. PNC had me wait. 4 months to tell me it was not an error. I never said it was an error. I told them I cancelled a XXXX  pay account the same day I opened. And XXXX  rep said to contact the bank. The {$500.00} was never used to XXXX  the rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 seven 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 2025-08-02 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I was made aware of the attempt to collect an alleged debit less than 60 days ago. Please be advised that I hereby dispute the validity of the above listed alleged debit in its entirety. I request verification of the alleged debt and specification, request a copy of a contract or agreement signed by the original creditor and all parties to any such contract, Notice or any unsigned is Not verification of the alleged debt. You are on notice that you unlawfully attempting to collect the above- listed alleged debt, Cease and desist all collection activity, including reporting to Consumer Reporting Agency ( CRAS ). Providing me the specific verifications documents above should not be deemed collection activity, Further, I request that you promptly delete any and all prior consumer reporting made to any CRAS. If you comply with my cease collection and deletion request, then you are excuse from my verification. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account stated open and its closed XXXX XXXX XXXX XXXX XXXX XXXX account reported open an account is closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/year>2025 issue with charge for about {$750.00}. 
Supervisor with capital one would not do anything even though charge was pending after hours.

Reviewed charge was coerced but supervisor did not care and refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Total Card, Inc.
State: IL

Complaint narrative:
CEASE AND DESIST NOTICE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX XXXXanks XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> RE : CEASE AND DESIST UNAUTHORIZED AND FRAUDULENT CREDIT REPORTING To Whom It May Concern, This correspondence serves as a formal demand and legal notice requiring XXXX  / XXXX Banks to immediately cease and desist from reporting, publishing, or otherwise using false, inaccurate, and unauthorized information relating to my credit file. 

The information you have reported is erroneous and fraudulent and constitutes a violation of : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) Prohibiting inaccurate reporting of consumer credit information.

15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) Prohibiting false representation of debts not owed. 
State Consumer Fraud and Deceptive Business Practices Laws Prohibiting misrepresentation and harm through false credit reporting.

I hereby demand : 1. Immediate removal of any and all false credit information relating to me that your company has reported to any consumer reporting agency ( Experian, Equifax, TransUnion, or others ).

2. Written confirmation within thirty ( 30 ) days of receipt of this Notice that the above information has been corrected and permanently deleted.

3. Cessation of all collection activity, correspondence, or further attempts to validate or enforce false claims.

Failure to comply with this Notice will result in legal action against XXXX XXXX XXXX  Banks, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. 
Civil action in state or federal court seeking damages, attorney fees, and all other remedies provided under law. 

This Notice serves as a final warning. Continued willful misrepresentation and harassment will be taken as evidence of bad faith and malicious conduct. 



Reservation of Rights I reserve all rights under UCC 1-308 and common law. Nothing herein shall be construed as consent to any claim, contract, or obligation that does not lawfully exist. 



Sincerely, XXXX XXXX XXXX Living Man / Secured Party Creditor XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation