vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NJ

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 explanation
Consumer complaint received 2025-06-25 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: MA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Between XXXX and XX/XX/XXXX, {$14000.00} in California XXXX XXXX XXXX ( XXXX ) benefits were stolen from my account issued by XXXX XXXX. These funds were not issued by check, but loaded directly onto a prepaid debit card account managed by XXXX XXXX and issued by My Banking Direct, a division of XXXX XXXX 

I only received and used two cards : One ending in XXXX ( original ), One ending in XXXX ( reissued after I reported problems in early XXXX ). 

However, all account activity is lumped under a top-level umbrella account ending in XXXX. I never received or activated a card tied directly to that number, yet pages of unauthorized transactions appearnone of which I recognize. 

XXXX confirmed that all payments during this period were disbursed by debit card via XXXX XXXX. They also confirmed that the fraud form I was initially sent ( XXXX ) was incorrect, as it applies only to check fraud. They directed me to XXXX XXXX and the issuing bank, and clarified that the issue is entirely with the financial institution. 

I suspect one or more of the following occurred : A third card was fraudulently issued in my name, My online XXXX XXXX account was accessed without permission, Or one of my legitimate cards was cloned and used without my knowledge. 

This complaint is not about the state agency or eligibility. It concerns a federally regulated bank account mishandling state-disbursed benefits. I am filing this with CFPB because the financial institutions involved have provided no transparency or support in recovering the stolen funds. 

I contacted XXXX XXXX XXXX of Customer Service by email on XX/XX/XXXX, and I am mailing certified letters to XXXX, XXXX XXXX, and the XXXX on XX/XX/XXXX. I also submitted a formal complaint to the XXXX. I have repeatedly tried to contact XXXX XXXX by phone but they are unreachable. 

I am requesting : A full breakdown of all transactions by individual card number and access method ( online, ATM, in-store, etc. ), An investigation into how the theft occurred, Confirmation of whether a third card was fraudulently issued in my name, A resolution and recovery of the stolen {$14000.00}. 

This is a serious case of theft involving federally regulated banking entities, not a dispute with a state agency. I am submitting this to CFPB for federal investigation and oversight.

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 2025-06-25 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove all fraudulent accounts from my report. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove all fraudulent accounts from my report. It is hurting my ability to obtain credit.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Dear CFPB and Chase, I am submitting this follow-up to strengthen my original complaint regarding the fraudulent charge of {$200.00} on XX/XX/year>. 

I reported this transaction as fraudulent on the same day it occurred, and Chase issued me a replacement card, confirming that my account was compromised. The charge was temporarily removed, suggesting that Chase initially acknowledged the fraud. 

However, I was surprised to discover on XX/XX/year> that the charge had reappeared on my account without explanation. I did not authorize or benefit from this transaction in any way, and I received no goods or services in return. 

According to Regulation XXXX ( XXXX XXXX XXXX ), I am not liable for unauthorized electronic transactions if they are reported promptlywhich I did. The reappearance of this charge contradicts the protections afforded to consumers in such cases. 

I respectfully request that Chase re-examine my claim and provide clear justification for reinstating this charge, or issue a permanent refund consistent with federal law. 

Thank you for your continued attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Identity theft from data breach I am filing this complaint against Amsher Collection Services for reporting a collection account to my credit report without providing the proper debt validation required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

I previously submitted a written debt validation request, asking for : A signed contract or agreement with the original creditor A complete breakdown of the charges Proof that Amsher was assigned or has legal right to collect the debt To this date, Amsher Collection Services has not responded or provided any documentation to validate the debt. Despite this, they continue to report the debt to XXXX, as shown on my credit report dated XX/XX/XXXX, in violation of both : FDCPA for continued collection activity without validation FCRA 623 for furnishing unverifiable/inaccurate information to the credit bureaus Details of the Collection : Creditor : Amsher Collection Services Amount : {$560.00} Date Opened : XX/XX/XXXX Bureau Reporting : XXXX Requested Resolution : I request that : XXXX. This collection be immediately removed from all credit bureaus. 
XXXX. All collection efforts cease until the required validation documents are provided. 



My Information : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Email : XXXX Thank you for your attention to this matter. I look forward to your assistance in resolving this violation of my rights. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received an American Express gift card for {$25.00}. I have attempted, over 6 months, to use it in several stores in XXXX different states and it is always declined. I called customer service and they told me it needs to be activated/confirmed which I did. Everytime I try to use it, it asks for a PIN # and there is not XXXX, I can not bypass it. When I call, I am told to bypass the PIN and when I said I can not, they tell me to try somewhere else. I tell them Ive tried in Tn, Ky, and Oh and each time it requires a PIN and wont let me bypass. Im told to try somewhere else and bypass. Id like access to the {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing again regarding my previous dispute request for the blocking of fraudulent information from my credit report, as required under 15 U.S.C. 1681c-2. As of today, it has been more than four business days, and you have failed to take any action on this matter. This is an unacceptable delay and a violation of the law. 

- XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} - XXXXXXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} - XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} - XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$4000.00} - XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance : {$4500.00} This account was fraudulently opened in my name, and I have provided all necessary documentation, including a police report and FTC identity theft report. As per the FCRA, you are required to block this information within four business days of receiving my requestyet here we are, with no action taken. 
I demand that you immediately block this fraudulent account from my credit report and send me written confirmation that it has been done. If you fail to do so within the next 48 hours, I will be forced to escalate this matter with the appropriate regulatory authorities and pursue legal action for non-compliance.

Additionally, if you claim that you can not fulfill my request, you must provide a clear and detailed explanation as to why this can not be done.

I expect prompt resolution of this issue, and I will not tolerate any further delay. 

Sincerely XXXX 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 non-monetary relief
Consumer complaint received 2025-06-25 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:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX Glasser and Glasser, P.L.C. 
XXXX XXXX XXXX XXXX XXXX  Cease and Desist-Debt Collection To Whom It May Concern : This letter serves as notice to you and your company to immediately cease all collection activity, contact, and communication with me regarding the collection of an alleged debt and all related matters. I received the following on or around XX/XX/year>, from my employer : Notice of Garnishment- You claim that I owe a debt of {$2200.00} to XXXX XXXX XXXX XXXX XXXX I do not owe this debt, and I dispute this claim. This debt was paid in full, and this is an illegal attempt to garnish my wages. This judgment is also over 15 years old, which means the statute of limitations is in effect. If this judgment was renewed by the courts, Glasser and Glasser, P.L.C. presented false information to the courts to renew this judgment. I will file a lawsuit against Glasser and Glasser, P.L.C. if my wages are garnished.

15 U.S.C. 1692d 15 U.S.C. 1692f Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company terminate all further contact with me, including but not limited to communication via telephone, correspondence, electronic mail, or facsimile. Your actions to collect debt from me are : -Harassing -Aggressive -Deceitful -Causing emotional and physical duress If you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, I will be forced to take legal action against you for violation of The Fair Debt Collection Practices Act will seek all available damages and remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NM

Complaint narrative:
This is not a misunderstanding or a simple oversightmy credit report contains clear and serious inaccuracies that violate the requirement to maintain the highest standard of accuracy. These erroneous entries are not only factually incorrect, but they are actively causing ongoing harm to mefinancially, emotionally, and personally. The toll this is taking on my well-being is substantial and can not be overstated. 
I am currently navigating extremely difficult circumstances, and the persistence of these false entries is only making things worse. It would be a tremendous reliefand a critical step toward restoring some measure of stability in my lifeif these inaccuracies were resolved and removed without further delay.

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 2025-06-25 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: TX

Complaint narrative:
I found several accounts on my credit report that I did not open or authorize. These accounts were opened fraudulently and are now in collection status. The accounts include XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1100.00} ), XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1000.00} ), XXXX XXXX ( opened XX/XX/XXXX, balance {$610.00} ), and XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1200.00} ). Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), these fraudulent accounts must be removed immediately upon receipt of a valid identity theft report. I have disputed these accounts with the credit bureaus and requested removal, but they remain on my report. I am reporting this identity theft and requesting these accounts be blocked and removed immediately.

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 2025-06-25 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: TX

Complaint narrative:
I found several accounts on my credit report that I did not open or authorize. These accounts were opened fraudulently and are now in collection status. The accounts include XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1100.00} ), XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1000.00} ), XXXX XXXX ( opened XX/XX/XXXX, balance {$610.00} ), and XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1200.00} ). Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), these fraudulent accounts must be removed immediately upon receipt of a valid identity theft report. I have disputed these accounts with the credit bureaus and requested removal, but they remain on my report. I am reporting this identity theft and requesting these accounts be blocked and removed immediately.

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 2025-06-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief