vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2025-10-03 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: Experian Information Solutions Inc.
State: LA

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 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 explanation
Consumer complaint received 2025-10-03 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: LA

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 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 2025-10-03 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:
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 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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have found late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, they should be updated or removed accordingly.

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 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/year> I reviewed my recent property tax record and discovered that my escrow payment at Citizen Bank ( CB ) was applied to the wrong parcel number ( total about {$16000.00} ) after validating with CB representative and self confirming with my county auditor. 

I wrote a letter after the call and mailed it via XXXX with tracking explaining what happened and request investigation, correction and written communication to confirm the issue is looked into. 

On mid XXXX, I called and the CB representative said they are looking into it and will get back but till date no news. 

On XX/XX/XXXX I realized my auto payment for my mortgage went up {$1000.00} ( total {$2200.00} ) without any notice. Therefore I called CB again. Not only my escrow on property tax issue was not looked into, the representative told me, my escrow re-analysis was done XX/XX/XXXX and my new payment reflect XX/XX/XXXX. 

I am very upset with Citizen Bank inefficiency that not only not responding to my case but start charging me before resolving my case. My time and effort in this resolving this case causing me so much stress. 

Please note : due to lack of Citizen bank help, I am reaching out to title company and county to resolve my issue. Title company is working to reimburse me the payment. 

Here, I am writing to request Citizen Bank to not increase my escrow until after the property tax wrong parcel payment is straightened up. Also, I want to ensure Citizen bank is complying to regulatory that must send 30 days notice before new payment in effective. 

Thank you for your kind attention

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I have a Secured Loan with a company called Mariner Finance. My personal vehicle ( as well as other personal possessions ) is listed as collateral. The loan is due on or about the XXXX or XXXX of each month. 

I am behind for XX/XX/year> due to personal financial issues. A Representative from Mariner Finance has called basically every day ( except Sunday ) looking for payment. I've been late before and this is what they do every time -- it gets exhausting and creates unnecessary stress. 

On Wednesday XX/XX/year>, I called the local office to work on a resolution. I spoke with someone named XXXX ( unsure of spelling ). On Thursday XX/XX/year>, I spoke with XXXX again and asked to set up a payment to cover XXXX 's overdue payment on XX/XX/year>, not even 30 days late yet. XXXX asked about XXXX 's payment and I told him I will likely have to pay that on XX/XX/year>. 

That's when things changed. XXXX mentioned late payments affecting my credit to which I mentioned that I was not 30 days late yet and paying on XX/XX/XXXX for the XXXX payment would also not be 30 days late. 

XXXX then said, " Remember, we have your car '' ( not in possession ). I took that as a threat that they could or would potentially take my car when I'm not even 30 days past due. 

This has given me anxiety in that any time I walk outside of my apartment, I may see my car gone. The two conversations greatly affected my sleep the last few nights. 

I also routinely get emails offering me the opportunity to take out more money and add it to the existing loan, thus trapping me in a cycle of debt tied to them. 

As my credit improves, I will be looking into a way to get the loan transferred to another institution ASAP. I strongly regret initially doing business with them in the first place and can not wait to pay them in full so I no longer have to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I dispute this item because it does not belong to 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 2025-10-03 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: TX

Complaint narrative:
I dispute this item because it does not belong to 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 non-monetary relief
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I dispute this item because it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Had problems with vehicle took it to the shop it was the engine couldn't pay the bill .. I called PenFed credit union and ask if they could help by extending my loan contact a year that way I could get my vehicle an be able to pay car payment I told them that my hours were cut an no overtime the truck was over XXXX an I payed it down to XXXX they said they couldn't help an a mechanical lien XXXX put on the car because I couldn't pay the bill I let PenFed know .. the vehicle got sold an the XXXX said he talked to XXXX in XXXX an he said that my balance was XXXX to sell it now they say to me the balance is XXXX XXXX an that what there reporting on my credit an XXXX also XXXX that they were closing it out ... I have the XXXX XXXX stating this an is my witness .. there falsifying the vehicle amount that has cost me dearly i don't have a vehicle an can't get on cause there reporting it on my credit that I'm behind on the loan an that I owe XXXX on the loan I'm XXXX yr old an

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 2025-10-03 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: AL

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 2025-10-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I sent Avant a letter disputing their reporting of late payments on my credit report. The letter was sent certified with a signature required and I have proof of delivery. It's been over three months and they haven't updated my credit report as disputed, which they're required to do according to 15 U.S.C. 1681s-2 ( a ) ( 3 ). This is a clear violation of my rights under FCRA and showcased in both Saunders vs BB & T and Gorman v Wolpoff & Abramson, LLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank allowed XXXX to charge my account threw a credit card I reported lost 3 weeks prior to charge after I reported the issue Chase is now stealing my money as account no longer exist, and are what keeping it for themselves, this not only violates morally my trust but violates federal law of me not being responsible for purchases I did not make as I did not give XXXX my new credit card information and the receipt clearly shows they charged a canceled credit card, I canceled and reported that credit card lost on XXXX XXXX Yet chase bank took it on themselves to allow my account to be charged. There going to say XXXX obtained it threw a digital wallet but the receipt clearly shows that is not the case, as my other account also did not get charged when I used a regular credit card so this was Chase mistake not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Driver Holdings, LLC
State: NM

Complaint narrative:
Driver solutions was a truck driving school i attended in XXXX. However the company i was hired to drive didn't provide reliable equipment as i was left broke down multiple times. With the rate of pay I was unable to make a living to provide for my family and had to take another job. Now in XXXX I got a letter for court. I called in as they sent it to my employer. ( Have never received anything in mail ) I was under the impression is was a court hearing turned out it was to the attorney of driver solutions not court and was told if I didn't make a payment my check would be garnished. It was passed Statue of limitations and I made payment under threat of garnishment. I gave proper notice of quitting a d gave reasons. Now on XXXX I received a letter to attend court in Indiana and I live in New Mexico saying yet again My check will be garnished

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: ND

Complaint narrative:
This account was paid in full, yet it is still showing late 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 2025-10-03 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: AL

Complaint narrative:
I am disputing multiple inaccurate tradelines on my TransUnion credit report dated XX/XX/year>. The following accounts are being reported falsely and in violation of the FCRA and Metro 2 guidelines : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) You report this as a Charge Off but show no payment history at all, while other CRAs report numerous late months. Reporting an account as charged off while simultaneously omitting required payment history violates 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) and Metro 2 Field 24 ( Payment History Profile ). 
XXXX. XXXX XXXX ( Acct : XXXX ) You list XXXX late payments, yet also code the account as Closed by Credit Grantor . The contradiction of Good Standing and late payments is materially misleading and unlawful under Saunders v. BB & T, 526 F.3d 142 and FCRA 607 ( b ). 
XXXX. XXXX XXXX XXXX ( Acct : XXXX ) You report XXXX lates, but Experian shows 12. Reporting different late counts across bureaus is inaccurate and violates 607 ( b ) and Metro 2 standards for Payment History reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX Acct : XXXX ) You report this as Repossession but fail to list any lates. Equifax and Experian show conflicting histories ( 31 lates vs. 1/1/1 ). This inconsistency is a violation of 611 ( a ) ( 5 ) ( A ) requiring unverifiable information to be deleted. 
XXXX. XXXX XXXX / XXXXXXXX XXXX ( Multiple Accts ) You are reporting the same debt multiple times under different names ( XXXX, XXXX XXXX XXXX, XXXX Funding ). Duplicate reporting of the same debt is a direct violation of FCRA 605 ( b ) and FDCPA 807 ( 2 ) ( A ).

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 2025-10-03 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Elite Financial Services, Inc.
State: DE

Complaint narrative:
I was the victim of identity theft devoons my credit so bad. Getting it out off my report was just hard. I mean, I hired a credit monitoring company, and all they did was take my money and did not do anything that they were supposed to do. And I paid them very well. I'm still trying my best to figure it out.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have tried to resolve the matter with this company on 3 occasions and the bank refuse to give me my money back. The phone that was stolen and misplaced was a company phone and they are trying to tell me that multiple logins were occurring from the phone. The phone was not in my possession. This company did not do a thorough investigation and now I am forced to start a class action lawsuit against them for discrimination and unlawful business practices.

Company response to consumer: Closed with monetary relief