vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Original creditor misrepresented : " This account 's original creditor is XXXX XXXX, not the collection agency reporting it. '' Illegal re-aging : " The collection agency reported the account as XX/XX/year>, even though the original delinquency date is years earlier and past the statute of limitations for suing in New York. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in the reporting of these payments are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am writing this complaint due to the fact that Huntington national Bank is manufacturing false documents, and records regarding the activity on my account For the past few months every time it rolls around to the following Monday or Tuesday My account is in the negative no more than $ XXXX {$30.00}. The problem with that is that I am strategically taking money out and putting money into satisfy the balance to make sure its not negative and it seems like every time a Monday or Tuesday Rose around my account is XXXX or {$30.00} and their excuse is that the payments arent posting to the account until the following week The issue that I have with that is when Im using debit and on the account right after whatever merchant or payment that I use it gives a deductive amount and updated amount as to what I am able to spend Which lets me know I can not go over a certain amount. The issue is based off of their records and what happened are two totally different things They are falsifying records to better suit their agenda and in the past month, Im my account has been overdrawn to a total of about {$100.00} That they have collected, I want this account closed and I want my money refunded! I have had too many issues with this. Sorry excuse of a XXXX bank for years! I am done!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account 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 2025-10-14 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: NV

Complaint narrative:
Dear Experian 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 INQUIRIES : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've been a JP Morgan Chase banking customer for XXXX decades. It is using biometric voice recognition when I call to discuss a problem. I NOT WANT MY VOICE IMPRINT USED FOR ANY REASON. Chase has NO opt out. My privacy and freedom of choice are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I am writing to formally dispute and request the immediate removal of the following unauthorized credit inquiry ( ies ) from my credit file. These inquiries were not initiated or approved by me, and therefore are in violation of the Fair Credit Reporting Act ( FCRA ). 
The inquiry ( ies ) in question are : Under FCRA 604 ( a ) ( 2 ), a credit reporting agency may only furnish my credit report to a person or entity that has a permissible purpose and my written authorization. I have no record or recollection of authorizing this entity to access my credit report.

Additionally, FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy in the information they report. Since this inquiry can not be verified as authorized, it must be deleted immediately under FCRA 611 ( procedure for disputes ).

Please conduct an investigation and provide me with : The name, address, and proof of authorization from the company that initiated the inquiry ; and Confirmation that the inquiry has been deleted from my credit file.

If this inquiry can not be verified as permissible under FCRA 604, you are legally obligated to delete it within 30 days of receiving this letter. Failure to comply may constitute willful noncompliance under FCRA 616, which provides for civil liability.

Please send your results and confirmation of deletion to my mailing address listed above.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to formally dispute and request the immediate removal of the following unauthorized credit inquiry ( ies ) from my credit file. These inquiries were not initiated or approved by me, and therefore are in violation of the Fair Credit Reporting Act ( FCRA ). 
The inquiry ( ies ) in question are : Under FCRA 604 ( a ) ( 2 ), a credit reporting agency may only furnish my credit report to a person or entity that has a permissible purpose and my written authorization. I have no record or recollection of authorizing this entity to access my credit report.

Additionally, FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy in the information they report. Since this inquiry can not be verified as authorized, it must be deleted immediately under FCRA 611 ( procedure for disputes ). 
Please conduct an investigation and provide me with : The name, address, and proof of authorization from the company that initiated the inquiry ; and Confirmation that the inquiry has been deleted from my credit file. 
If this inquiry can not be verified as permissible under FCRA 604, you are legally obligated to delete it within 30 days of receiving this letter. Failure to comply may constitute willful noncompliance under FCRA 616, which provides for civil liability. 
Please send your results and confirmation of deletion to my mailing address listed above. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-10-14 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-14 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:
Dear TransUnion 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

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 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I would like to report that Synchrony bank business practices are in violation of RegulationZ. This bank along with major retailers have created a system that sets up an ambush for consumers whogo to retailers to purchase goods, and end up walking out with a credit card. The people who offer credit cards to consumers are not synchrony bank trained employees, they are employed by retailers who offer deep discounts if consumers apply for a credit card. No Disclosures are provided in regards to TRUTH IN LANDING ACT, and are in Violation of.

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 2025-10-14 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: NC

Complaint narrative:
Dear TransUnion 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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 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: CA

Complaint narrative:
I am filing this complaint because a charge-off account from XXXX  XXXX is being reported on all three of my credit reports with the following details : XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - {$530.00}. 

I have serious doubts about the accuracy and validity of this account, and I am requesting proper debt validation and documented proof as required under federal law. Despite my prior efforts to address this matter directly with XXXX XXXX and through the credit bureaus, what I have received so far are automated responses and generic statements claiming the debt was verified. None of those responses have included the original signed agreement, itemized transaction history, or any transfer of ownership documents that establish this debt as legitimate, enforceable, or even mine. 

Under 15 U.S.C. 1692g ( b ), a debt collector or furnisher must provide actual documentation upon requestnot a summary or form letterand they must stop all collection or reporting activity until such validation is provided. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), any company furnishing data to the credit bureaus must ensure that the information is accurate, complete, and up-to-date. Reporting a charge-off without proper validation violates this obligation, especially when the consumer disputes its accuracy in good faith. 

This item is also questionable based on its timeline and reporting pattern. The supposed charge-off date of XX/XX/year>, appears inconsistent with the activity history XXXX XXXX has shown on previous statements Ive reviewed XXXX If the account was charged off, there should be clear documentation showing the last payment date and how the balance of {$530.00} was calculated. Without that, it is impossible for me to determine whether this amount is correct, whether it includes unlawful fees or interest, or whether it was ever actually charged off. 

The emotional and practical burden of this has been substantial. Having this unresolved and potentially inaccurate charge-off across all three credit bureaus has damaged my creditworthiness, led to denials for essential financial services, and left me feeling powerless in a system thats supposed to protect consumers from exactly this kind of misinformation. Every time Ive tried to correct it, Ive been met with automated verification notices that feel more like a dismissal than an investigation. 

I am not refusing to acknowledge responsibility if this debt is proven to be legitimate. What I am demanding is transparency and compliance with the lawthe same accountability that federal law requires of any creditor or furnisher.

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