vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

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


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


I demand the late payment to be updated. 


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


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


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-05-01 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: PA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$370.00} XXXXXXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$27000.00}

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 2025-05-01 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: NV

Complaint narrative:
Experian is listing a charge-off for XXXX ( XXXX ) with a {$0.00} balance, which not only lacks clarity but also violates the accuracy requirement set forth in 15 USC 1681e ( b ). A charge-off implies a financial obligation has gone unpaid, but a {$0.00} balance tells a completely different story. This conflicting reporting misrepresents my account status, artificially suppresses my credit score, and unfairly labels my financial behavior as delinquent. Moreover, this accounts details do not match what is shown on other reports, further confirming a breakdown in accurate data handlingvery likely caused by a data breach that has allowed incorrect or outdated information to persist 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 2025-05-01 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I went into a contract agreement with Westlake Financial to purchase a XXXX XXXX XXXX. In the contract it's stated that I gave Westlake Financial a security interest in the property purchased and that I have credit provided to me regarding the finance charge. I completed all contractual obligations as the agent to utilize the interest by sending a power of authority to show I'm the agent on behalf of the principal and a tender of payment to leverage the principals interest to offset the account. There hasnt been any action taken from Westlake Financial so Im reaching out to see why the interest hasnt been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
They put me {$48000.00} My wife XXXX XXXX entered Hyundai dealership traded a car in on my behalf and my car was {$10000.00} upside down XXXX was able to get them to approve it with no money down I didnt authorize her to do this. I think she did this because she wanted her name off my XXXX Hyundai XXXX because it was co-signed with her on it. My friend crashed the XXXX Hyundai XXXX XXXX and now after the collateral is sold theyre still saying my deficiency balance owed is accurate {$35000.00}

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 2025-05-01 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: CO

Complaint narrative:
I need confirmation that every piece of data associated with this account belongs to me. Please review and certify that this is the case.

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 2025-05-02 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: GA

Complaint narrative:
This account as been removed completely from my credit report three months ago and The company put it back again. The informations on the report is inaccurate. The opened date of the account, The credit limit, date the account was last active, the last payment date and the account status were all different across the three credit bureau, The last reported date and the high credit are also different date across the three credit bureaus. Its also show XXXX late without XXXX or XXXX been reported. This account is very inaccurate and its need to be remove immediately from my credit reports and Im including my credit reports with high lighting all the errors inaccurate reports. The name of the company is XXXX Account # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Momnt Technologies, Inc.
State: WA

Complaint narrative:
We had a medical procedure we had to pay for, the doctors office uses Momnt for these loans, it originated on XX/XX/XXXX. This loan is on automatic withdrawal from my checking account and has been paid regularly for the life of the loan. The issue is the very last payment for {$260.00}, they're system didn't take from my account. When they sent the first late notice to me, I immediately called wondering how something on automatic withdrawal could be late. They had no answer as to why this happened, and after giving them my account number again they assured me the charges went through and all was fine. Then two weeks later I got another email stating they are charging me late fees. Called again, explained the entire story and they assured me this was handled. I have had this conversation with them for the last 4 week. I've also write emails to their support email at XXXX, 3 more times with no response ever. MY concern is they continue to charge additional fees, I have proof they have taken the {$260.00} from my account back on XX/XX/XXXX and if they report me as late, my hard earned credit score of XXXX will be damaged and cause me continual damages via higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
This account is reporting as a charge off account on my credit reports. it has been repeat updated as a charge off every month. There's a payment balance history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the status of limitations. I have tried to resolve this issue with the original company but nothing has been resolved. Them and you have failed to investigate the proper use of my credit report by violating my rights. Please remove this account. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX XXXX 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 explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
This account is reporting as a charge off account on my credit reports. it has been repeat updated as a charge off every month. There's a payment balance history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the status of limitations. I have tried to resolve this issue with the original company but nothing has been resolved. Them and you have failed to investigate the proper use of my credit report by violating my rights. Please remove this account. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a complaint regarding two closed loan accounts that are being improperly reported by Experian on my credit file despite both having {$0.00} balances and never having been late. The accounts are : XXXX XXXX XXXX XXXX  Secured Loan, closed as Paid, Closed/Never Late XXXX XXXX XXXX XXXX XXXX XXXX  closed as Transferred, Closed/Never Late While both accounts are technically positive, they are being retained in a way that is misleading and may create scoring bias. The payment history continues to show " ND '' and " CLS '' codes across multiple months with no clear predictive value or closure formatting per Metro 2 standards. 
These accounts were previously disputed and Experian has failed to remove or correct them in line with Metro 2 compliance and FCRA 1681s-2 ( b ). No validation was provided to show they still need to be retained or are formatted accurately.

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 2025-05-01 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:
I am seeing inaccurate personal information being reported on all 3 of my credit reports, along with hard inquiries that I did not make, and 3 fraudulent accounts ( 2 credit and 1 auto ), that I have no knowledge of. 

Inaccurate personal information : ADDRESSES : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX 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 US Bankruptcy Court Record is inaccurate and therefore by law needs to be removed : XXXX. XXXX bankruptcy dismissed original filing date : XXXX  latest status date : XXXX I ask for all of the above inaccurate/fraudulent information be removed from all 3 credit bureaus immediately due to FCRA Violations of reporting inaccurate information and identity theft. 

I have also filed a FTC 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 2025-05-01 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: MI

Complaint narrative:
I am seeing inaccurate personal information being reported on all 3 of my credit reports, along with hard inquiries that I did not make, and 3 fraudulent accounts ( 2 credit and 1 auto ), that I have no knowledge of. 

Inaccurate personal information : ADDRESSES : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX 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 US Bankruptcy Court Record is inaccurate and therefore by law needs to be removed : XXXX. XXXX bankruptcy dismissed original filing date : XXXX  latest status date : XXXX I ask for all of the above inaccurate/fraudulent information be removed from all 3 credit bureaus immediately due to FCRA Violations of reporting inaccurate information and identity theft. 

I have also filed a FTC Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with non-monetary relief