vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: IN

Complaint narrative:
On XX/XX/year>, my vehicle was totaled in a fire. I immediately notified XXXX XXXX XXXX XXXX and was advised to change my loan due date from the XXXX to XX/XX/XXXX, with a XXXX grace period. This made XX/XX/year>, the effective due date. 

On XX/XX/year>, XXXX XXXX paid {$21000.00} to XXXX XXXX. On XX/XX/year>, XXXX XXXX XXXX paid {$13000.00}, and an additional {$69.00} was withdrawn from my personal account. The final remaining balance was {$100.00}, which I paid on XX/XX/year>, in the amount of $ XXXX over the amount due. 

Despite this, my credit report shows the account as 60 days past due, which is inaccurate. 

On XX/XX/year>, I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX. She told me that I needed to pay the {$100.00} balance by the end of XXXX. However, my official loan statement clearly lists a due date of XX/XX/year>. This contradiction in information caused confusion and led to the account being falsely reported as delinquent, despite my full and timely payment. 

According to credit reporting standards, a payment can not be considered 30 days late until XXXX full days have passed after the due date. Since the revised due date was XX/XX/year>, the XXXX mark would not arrive until XX/XX/year>. XXXX XXXX received the majority of the payoff by XX/XX/XXXX, meaning the account was never even 30 days latelet alone XXXX. 

This false reporting has severely damaged my credit, misrepresented my payment history, and unjustly harmed my financial reputation. I followed all instructions provided by XXXX XXXX and paid the loan in full. I am requesting that this be corrected immediately, and I will be pursuing legal action if it is not resolved.

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 2025-05-14 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: IN

Complaint narrative:
On XX/XX/year>, my vehicle was totaled in a fire. I immediately notified XXXX XXXX XXXX XXXX and was advised to change my loan due date from the XXXX to XX/XX/XXXX, with a XXXX grace period. This made XX/XX/year>, the effective due date. 

On XX/XX/year>, XXXX XXXX paid {$21000.00} to XXXX XXXX. On XX/XX/year>, XXXX XXXX XXXX paid {$13000.00}, and an additional {$69.00} was withdrawn from my personal account. The final remaining balance was {$100.00}, which I paid on XX/XX/year>, in the amount of $ XXXX over the amount due. 

Despite this, my credit report shows the account as 60 days past due, which is inaccurate. 

On XX/XX/year>, I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX. She told me that I needed to pay the {$100.00} balance by the end of XXXX. However, my official loan statement clearly lists a due date of XX/XX/year>. This contradiction in information caused confusion and led to the account being falsely reported as delinquent, despite my full and timely payment. 

According to credit reporting standards, a payment can not be considered 30 days late until XXXX full days have passed after the due date. Since the revised due date was XX/XX/year>, the XXXX mark would not arrive until XX/XX/year>. XXXX XXXX received the majority of the payoff by XX/XX/XXXX, meaning the account was never even 30 days latelet alone XXXX. 

This false reporting has severely damaged my credit, misrepresented my payment history, and unjustly harmed my financial reputation. I followed all instructions provided by XXXX XXXX and paid the loan in full. I am requesting that this be corrected immediately, and I will be pursuing legal action if it is not resolved.

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 2025-05-14 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: IN

Complaint narrative:
On XX/XX/year>, my vehicle was totaled in a fire. I immediately notified XXXX XXXX XXXX XXXX and was advised to change my loan due date from the XXXX to XX/XX/XXXX, with a XXXX grace period. This made XX/XX/year>, the effective due date. 

On XX/XX/year>, XXXX XXXX paid {$21000.00} to XXXX XXXX. On XX/XX/year>, XXXX XXXX XXXX paid {$13000.00}, and an additional {$69.00} was withdrawn from my personal account. The final remaining balance was {$100.00}, which I paid on XX/XX/year>, in the amount of $ XXXX over the amount due. 

Despite this, my credit report shows the account as 60 days past due, which is inaccurate. 

On XX/XX/year>, I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX. She told me that I needed to pay the {$100.00} balance by the end of XXXX. However, my official loan statement clearly lists a due date of XX/XX/year>. This contradiction in information caused confusion and led to the account being falsely reported as delinquent, despite my full and timely payment. 

According to credit reporting standards, a payment can not be considered 30 days late until XXXX full days have passed after the due date. Since the revised due date was XX/XX/year>, the XXXX mark would not arrive until XX/XX/year>. XXXX XXXX received the majority of the payoff by XX/XX/XXXX, meaning the account was never even 30 days latelet alone XXXX. 

This false reporting has severely damaged my credit, misrepresented my payment history, and unjustly harmed my financial reputation. I followed all instructions provided by XXXX XXXX and paid the loan in full. I am requesting that this be corrected immediately, and I will be pursuing legal action if it is not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Im contacting you because theres an account showing on my credit report that I have no knowledge of whatsoever. Ive never opened or been associated with this account, and its presence on my report is completely inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX/XXXX  XXXX

Company 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 2025-05-14 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: CA

Complaint narrative:
I closed my credit card with care credit back in 2020, I have made all my payments time but due to health I'm struggling to pay the monthly payments. I want to see if my payments can be lower.

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 2025-05-14 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
On XXXX XXXX I called Dollar bank because I tried to transfer money and it wouldnt let me. So when I went on break I went to the car to look for my card in arm rest. It wasnt there, I logged into my account and seen money was stolen off. The sad thing they never sent me any notifications or anything stating activity is occurring! Now my funds its depleted my car note is due and they are taking their time. I cancelled the card out and spoke to a representative the next day because they dont have 24hrs customer service representative. The representative stated they will file a claim. Here it is XX/XX/year> and I still dont have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-14 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: TN

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within XXXX days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: VA

Complaint narrative:
I am following up on a previously filed complaint from earlier today. I wanted to add additional information that Selene Finance accepted a payment on XX/XX/year>, but applied it to a XX/XX/year> installment. They are continuing to treat me as delinquent even though I am making scheduled monthly payments. I have payments scheduled for XXXX, XXXX and XXXX of 2025 as of late. This causes hardship, disqualifies me from loan modifications, and misrepresents my payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I opened a youth savings account at a Bank of America branch for my minor son in XX/XX/XXXX. He made an initial deposit of {$120.00}. He did not do anything with those funds and let them sit in the savings account. We received a letter in XX/XX/XXXX saying the account had been forced closed due to a negative balance. After contacting the bank, they informed me that a monthly maintenance fee had been charged on the account. This fee was being charged incorrectly as their youth savings account do not have maintenance fees. The customer service representative told me that the account had been coded incorrectly at opening and they had listed my son 's date of birth the same as mine, so it wasn't classified as a youth account. The account went negative and in XX/XX/XXXX the bank force closed the account. After an hour and a half on the phone, multiple agents stated they could not refund my son his {$120.00} since the account was closed. I told them I understood that, but that there had to be a way to return my son 's funds. They said they could not. This matter was entirely a bank error and I find it completely unacceptable they refuse to reimburse a minor 's funds. Please help.

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 monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I am a victim of identity theft. I did not apply for or authorize the student loan accounts currently being reported by TransUnion. I have already submitted an FTC Identity Theft Report, a notarized affidavit, and supporting documentation to TransUnion. Equifax and Experian have removed the accounts, but TransUnion continues to report them. I have also sent a dispute to the Department of Education. I am requesting that TransUnion block and delete the fraudulent student loan accounts under FCRA Section 605B.

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 2025-05-14 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
I was having a rough time managing bills and heath during that time, XXXX XXXX XXXX XXXX. After paying a huge portion of what I was behind a representative agreed to a payment arrangement for me to pay the remaining past due balance the day after thanksgiving. Upon walking out of my house to leave to go to my daughters home, my car was being hauled away. No one knocked or called just hooked my car up and sped off. I tried to sign into my customer portal and was denied access so I called XXXX immediately to find out what was going on. I was transferred to three different people and finally the last person said said they decided to not honor the payment arrangement I asked why wasnt I given a notice and was rudely told I should have kept my payments up and I even explained why I had fallen behind and the woman said she didnt want to hear it it wasnt her problem or concern. I asked what I needed to do to get my car back she said I would have to pay XXXX and I said ok can I pay that to you now because I have that much I can pay it now she said no I would have to call a particular company they had my car and I would have to pay them then pay XXXX  next and car would be released. She said I would need the last XXXX of the XXXX she gave me the phone number and vin info because I kept all of the paperwork to the car in the glove box. I called and put the info I was given by XXXX and it kept saying the information was wrong I called every bit of XXXX XXXX. Finally I was able to get ahold of a human being and she took my information and she looked through every vehicle info they had and swore that they didnt have my car. I called XXXX  numerous times trying to reach the department that handles repos and every time I would get to speak to someone in that department I would be put on hold and then the call would be disconnected. I tried and tried to locate my car for weeks and could not. The reason being is because my car was taken from my home in XXXXXXXX XXXXo straight to XXXX and sold at an auction. I was never given the correct information so that I would be able to obtain my car as well as my fathers ashes that were going to be spread on XXXX. The way I found out my car was taken straight to XXXX and sold was not even two weeks went by I received a notice of sail and that I now owed the remainder balance of almost XXXX. I dont feel I should have to pay this after all the lies and deception and the loss of my fathers ashes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation