vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-04-07 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: GA

Complaint narrative:
Per the FCRA, all furnhing must be accurate, fair, and complete. Equifax, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX are all violations of the federal laws. XXXX, and XXXX are reporting two diffrent findings for example XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank incorrectly applied an interest only payment to principle ( I received default notices due to this ). This occurred on XX/XX/XXXX. On XXXX I received my statement and noticed this error. I contacted the bank and they agreed that it was a mistake and that the payment would be reversed. However, I was still forced to make the previous months interest payment and the new interest payment, paying an extra {$1000.00}. When I received by most recent statement ( dated XX/XX/XXXX ) the payment did not show it was reversed and was not changed to interest and no credit was applied. I have {$1000.00} interest only payment that is still not applied. I called TD Bank customer support and the individual agreed with me and that I need to receive a new statement. Since this is a construction loan, they were unable to fix this and my loan specialist would need to be contacted Additionally, I noticed that the XX/XX/XXXX statement was higher than the XX/XX/XXXX statement even though the balance stayed the same and there were less days in the billing cycle. 

The loan specialist refused to create a new statement to address the incorrect principle payment and for the second month said I would have to wait for a the following months bill. Additionally they stated that since there are 31 days in XXXX is the reason the bill was higher. I once again want to point out the statement date of XX/XX/XXXX. If the specialist is indeed correct, I was billed forward interest for the 11 days following the statement date, aka future interest

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: GA

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 2025-04-07 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX on a charged-off account with account number ending in XXXX. This account is currently being reported to XXXX, XXXX, and XXXX. 

There are multiple inaccuracies with how this account is being reported : XXXX. Inconsistent Date of Last Activity : While the open date is the same across all three credit bureaus, the Date of Last Activity is different on each report. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) which requires that credit data be reported accurately and consistently. 
XXXX. Improper Monthly Charge-Off Reporting : The account is reported as charged off every month in the payment history. A charge-off is a one-time accounting event and should not be reflected repeatedly. This ongoing negative reporting is misleading and causes continued damage to my credit profile. 
XXXX. Contradictory or Missing Payment History : The payment history also includes periods marked as no data, followed by charge-off reporting, then back to no data or charge-off again. This inconsistency and lack of clarity makes the status of the account confusing and unverifiable. 

These inaccuracies are materially harmful and appear to violate the FCRAs standards for accurate, complete, and consistent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-07 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: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on my account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on these following dates XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX im now requesting you investigate this account and update these payments to pay it on time immediately. Thank you for your understanding and prompt action please

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 2025-04-07 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: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on my account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on these following dates XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX im now requesting you investigate this account and update these payments to pay it on time immediately. Thank you for your understanding and prompt action please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
In XX/XX/XXXX I applied for XXXX XXXXXXXX card because I am and have XXXX trying to build and work on my credit to buy a home. I applied the card never arrived and there were already charges on the account. I disputed XXXX XXXX investigated and found in favor of me the balance was removed. XXXX XXXXXXXX closed my account immediately after do to a payment not going threw with the auto pay even though a payment was never do because account was in dispute and came in my favor. In mid XXXX There after I seen a charge still for XXXX dollars or in that range for a annual fee. I contacted consumer service and asked them what this was and why was I being charged if the account was closed and XXXX out after the dispute. She informed me that there was a annual fee for the card. I told her why was I going to pay the annual fee if I never received my card and the account was only open for a month or XXXX weeks. She agreed and said she would put in for it to be waved. In XXXX I did receive a bill for the XXXX dollars and ignored it do to the customer service telling me it would be waived and because when I check my credit report every day with experian and it showed account closed good standing. In XXXX I received a bill for XXXX that was due XX/XX/XXXX. For the annual fee and late fees. I seen I had to the XX/XX/XXXX to pay or resolve the problem mind you today 's date is XX/XX/XXXX. XXXX days before the due date. In XXXX after receive the bill i then check my credit score and seen it had drive aboht XXXX XXXX points and they had it as a charge off. I contacted consumer service of XXXX XXXXXXXX and try to resolve ot pay. And was told the account was sent to collections they could give me no information to wait for collections. 

I would like them to review all call that they said a recorded and see that the fee was waived by there representative and show this is a mistake. 

I would have XXXX working on my credit snd payed lots of debt to build my credit and would not have ruined for XXXX dollars I would have paid if it was not waived and would like to know why it was sent to collections before a due date was even reached. 

It's dramatically affected my credit score and the dreams of me and my family purchasing a home this year and has called a lot of emotional stress and arguments at home do to my wife telling me not to get the card in the first place. 

Can we please investigate and if they don't want to waive the fee like there representatives said I would gladly pay instead of ruining my family 's dreams and hopes of owning a home by the end of the year Thank you

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 2025-04-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-07 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: AZ

Complaint narrative:
Dear TransUnion Consumer Solutions, I am writing to formally request the correction of inaccurate information on my credit report concerning my XXXX card. The credit limit for this account is currently reported as {$0.00}, which is incorrect. As this XXXX card does not have a preset credit limit, the current reporting adversely affects my debt-to-income ratio and prevents me from securing a mortgage. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting that this error be corrected within four business days. Enclosed with this letter is a copy of my credit report that highlights the inaccuracies : - Account Number : [ Account Number from Report ] - Balance : {$2900.00} - Credit Limit : {$0.00} ( Incorrect ) - High Credit : {$2900.00} Please review and update my credit report to reflect the accurate details for this account. Your prompt attention to this matter is greatly appreciated.

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 2025-04-07 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: CA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Experian Late Payment XXXX XXXX  Account Number : XXXX - Past Due : {$0.00} Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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