vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX, AND XXXX 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 in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: SC

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 non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their origins. In accordance with USC 1681g, please remove them within 15 days. Enclosed are documents for your review. Additionally, differing account information is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: ID

Complaint narrative:
Call 3-4 times a day I have confronted them about it and they just say thank you and hang up. When they call they never leave a message. When I do answer they hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Account was paid off but remained showing a balance. Contacted company and they wanted money to remove. 
Company is portfolio recovery. 
Last contact was XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$11000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$890.00} Open Date XXXX XXXX, XXXX inquiries XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: IL

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 2025-04-02 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:
I am a victim of a data breach and identity theft. Kindly block and delete the accounts within 4 business days as required by FCRA 605B, 15 USC 1681 C-2. Please find the attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MI

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my 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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been called XXXX  times by citi bank since XXXX XX/XX/2025. This violates the XXXX XXXX XXXX rule. not only that but ive requested proof of the debt on XX/XX/2025 and never received a response.

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 2025-04-02 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/XXXX a fraudulent charge was placed on my debit card with Chime. I reported it the same day. They told me to wait XXXX business days until filing a dispute. I did XXXX  days later and filed a police report in XXXX, XXXX where the fraudulent charge was made at a XXXX. The dispute after XXXX days was denied. I filed again and added the police report and then was denied again XXXX on XX/XX/year>. I have now filed a XXXX  time but was told it will probably get denied with no new evidence. 

The support did not help at all in this matter, I have attempted many times to reach out but was greeted and told they can do nothing. 

The charge was for {$180.00} and so far I have spent around XXXX hours or more on calls or filing reports and trying to figure this out by doing research and have been kept up at night trying to know what to do. I may even have to incur late fees on my bills due to not being able to pay on time due to this fraudulent charge. 

I just want my money back at this point but now my time has been wasted and its been causing too much stress to where I dont know if I can trust Chime again. I want this to end and be resolved but also warn other people that Chime will deny your claim even if a purchase happened on the other side of the United States. 

I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
to start arbitration within XXXX hours of this complaint Trans Union Have breached the fair credit act law when making false inaccurate statement within a letter sent to the bank is fraud for retaliation on my cards limit this was done to simply hurt me from the prior complaint relating to or within revolving on or around my credit my credit, they all upset because I have credit company in arbitration now the result of my credit card usage was affected when credit bureau when they committed fraud on my credit report facts start arbitration or $ XXXX Trans Union have written false statement regarding a home loan i have no home loan and i don't pay the rent Im waiting to attain the letter from the bank this is a prime example why stupid TransUnion got sued for XXXX XXXX dollars There is no information on this website for me to start arbitration. No forms or nothing. 


FTC and CFPB Settlement to Require Trans Union to Pay {$15.00} XXXX over Charges It Failed to Ensure Accuracy of Tenant Screening 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 2025-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged {$56.00} international transaction fee, by XXXX XXXX  for purchase on XXXX within United States with XXXX dollars. To clarify transaction happened in florida with XXXX XXXX, however they decided to charge me regardless. Not sure if this is ilegal, however this is definitely unethical. I contacted bank they refused to pay money back, guy on the phone issued {$15.00} ATM credit wich make no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2025-04-02 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: Payday Motors, Inc.
State: KS

Complaint narrative:
I received an adverse action letter dated XX/XX/XXXX from XXXX XXXX XXXX stating that they ran my credit and denied me for a loan. However, I did not apply for any loan from XXXX XXXX  in XX/XX/XXXX. The only transaction I had with this company was in XX/XX/XXXX, when I purchased a vehicle. I believe they accessed my credit report without my consent or permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Additionally, the loan/account did not appear on my credit report until XX/XX/XXXX over six months after the original transaction suggesting they may be modifying or backdating loan data to justify illegal repossession or collection activity. I have since discovered that XXXX XXXX XXXX XXXX is not actively licensed by the Kansas Office of the State Bank Commissioner, as required under K.S.A. 16a-2-301. Despite this, they are engaging in credit transactions, holding liens, reporting to credit bureaus, and unlawfully retaining possession of my vehicle and personal belongings- all while failing to comply with state licensing laws. I have already filed a replevin lawsuit and am actively pursuing legal remedies. I am requesting the CFPB investigate this company for potential violations of FCRA, unauthorized credit use, illegal lending activity, and deceptive consumer practices. Thank you for your time and attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I did a balance transfer which paid off this credit card. I found that I had extra money put into it. I called them to see if I can get a check of the extra credit and they said yes they go ahead and send me one, but I didnt think anything of it with the Amount that they sent so I went and cashed to check and found that my account was overdrawn and now more money to the account I call and ask whats going on and they apologize saying that a new person was the one that sent to check out for the amount that I paid. The representative I spoke with helped with the issue I was having and was able to resolve it. I asked if we can close the account and she said yes. I then ask if I will have to continue to pay and she responded with no. I am now getting emails and calls about paying the debt off even though it was not my fault that this happened. I also confirmed with a supervisor from their team that the issue was resolved, and I no longer have to pay. I went on XXXX XXXX to dispute it and it was accepted, and since then they have been blowing up my phone multiple times a day.

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 2025-04-02 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account openedXXXX Amount owed : {$180.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$6200.00} 3. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$3000.00} 4. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$5900.00} 5. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1200.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit card on Capital One with a promotion offering XXXX points if I spent {$4000.00} within the first XXXX months. However, the card did not arrive on the promised date. I had to call customer service to report that my card hadnt arrived and to ask whether the XXXX-month period would begin on the application date or upon receipt of the card. They informed me that it would start from the application date, meaning I lost XXXX days immediately, which significantly reduced the available time to meet the spending requirement. 

They then canceled the first card and sent a replacement, assuring me it would arrive within XXXX to XXXX business days. After waiting another XXXX days, I called again because a month had passed and I still hadnt received the card. They canceled the second card and sent another replacement. After waiting an additional XXXX days and encountering the same issue, I contacted customer service once more to explain the situation and request an extension on the spending deadline. Unfortunately, the card did not arrive again ; they sent a fourth card, which finally arrived, but by that time, the XXXX-month period had expired. 

This experience is particularly frustrating because they offer a promotion that requires spending a specific amount within a set timeframe, yet they failed to deliver the card within that periodand they did not help extend the deadline despite my XXXX calls to customer service. I feel deceived by this situation, as the promotional offer was rendered unattainable due to circumstances entirely beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

Company 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