vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX and It was never provided. 

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

Delete 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 2025-07-19 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: PA

Complaint narrative:
To resolve this matter fairly and lawfully, I am requesting that TransUnion take the following actions : Immediately reinvestigate the XXXX account reported under : Account Number : XXXX Require the furnisher ( XXXX ) to provide verifiable documentation proving that I was sent proper advance notice of any missed or upcoming payments prior to reporting the late mark ( e.g., dated letters, billing statements, or email alerts ). 

If such documentation can not be provided, I request that TransUnion permanently delete the late payment entry under : FCRA 1681e ( b ) Duty to report accurate and complete information FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers duty to report fairly and accurately FCRA 1681i ( a ) Disputed items must be verified or deleted promptly Provide me with : Written confirmation of the results of the reinvestigation, An updated credit report reflecting the removal of the inaccurate late payment, And notice of correction sent to any third parties who accessed my report within the last six months, as required under the FCRA. 

If no corrective action is taken within 15 business days, I will escalate this issue through : The Federal Trade Commission ( FTC ) My State Attorney General And, if necessary, initiate legal action under FCRA 616, which provides for statutory damages of up to {$1000.00} per violation, as well as coverage for legal fees and actual damages. 

This is my second notice, and my formal complaint has already been filed with the Consumer Financial Protection Bureau ( CFPB ). I am asking only for what the law entitles me to : an accurate, fair, and verifiable 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 non-monetary relief
Consumer complaint received 2025-07-19 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:
I am filing this complaint to report that all three major credit reporting agenciesXXXX, TransUnion, and XXXXare inaccurately reporting late payments on two closed and fully resolved accounts that show XXXX balances and no past due amounts. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX These tradelines currently appear on my credit file with derogatory late payment remarks, yet both accounts are now paid, closed, and reflect a {$0.00} past due balance, making the continued presence of late payment notations entirely misleading and a violation of federal law. 

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to maintain information with the maximum possible accuracy. It is fundamentally inaccurate to label a consumer as delinquent on an account that is closed and reflects no outstanding payment obligation. If a creditor accepted payment in full, closed the account, and the balance due is XXXX, the derogatory mark should not remain unless it is materially accurate and still relevant. It is not. Furthermore, under 15 U.S. Code 1681i, once a consumer disputes an item, the bureau must conduct a reasonable reinvestigation and remove any unverifiable or inaccurate data. I have submitted multiple disputes providing ample evidence that these accounts were paid and closed with no remaining balance or past due amount, yet the agencies have chosen to retain the late payment entries without any new or validating documentation. 

Additionally, retaining this type of derogatory information is misleading to potential lenders, insurers, and employers, who are left with the false impression that I have failed to meet my obligationsdespite the fact that these accounts were resolved in full. This practice is not only a violation of the FCRAs accuracy provision, but it also directly undermines the spirit of fair credit reporting. Leaving derogatory marks on fully satisfied accounts causes undue damage to my reputation and financial credibility and is tantamount to publishing outdated, prejudicial, and incorrect data. 

The emotional and financial toll this has taken is not theoreticalits real. Ive been turned down for auto financing, subjected to higher interest rates, and even questioned during a job application process due to these misleading derogatory entries. Ive suffered persistent anxiety, embarrassment, and a loss of access to financial opportunities simply because the reporting agencies refuse to clean up what they know are inaccurate notations. It feels like being punished over and over again for something that has already been corrected and 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 2025-07-19 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 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 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 explanation
Consumer complaint received 2025-07-19 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-19 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
There is a fraudulent account reflected on my credit report that I did not authorize or open. I believe this is the result of identity theft or unauthorized use of my personal information.

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 2025-07-19 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is reporting an inaccurate and unverifiable account on my credit report from XXXX XXXX XXXX a company that is no longer in business and can not validate or furnish any data. 

I never finalized financing through XXXX XXXX XXXX and was refunded my full down payment. There is no legal debt associated with this tradeline. It is still reporting derogatory late payments and was last updated in XX/XX/year>, despite having no active balance, no validation, and no creditor to verify it. 

This tradeline is only appearing on TransUnion not XXXX XXXX XXXX which raises concerns about inconsistent, inaccurate, and harmful reporting. I sent TransUnion a legally binding 7-day demand letter, and I have not received any valid response.

This violates several sections of the Fair Credit Reporting Act, including 607 ( b ), 611 ( a ), and 602 ( a ). I am requesting immediate deletion of this unverifiable account and an investigation into TransUnions failure to assure maximum possible accuracy as required by federal law. 

I am requesting that the CFPB intervene to ensure deletion of this tradeline and prevent future violations of consumer rights.

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 2025-07-19 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: SC

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

1. XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1600.00} 2. XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$280.00} 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} 4. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$390.00} 5. XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$260.00} 6. XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} 7. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 8. XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} 9. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Fraudulent Inquiries : 1. XX/XX/XXXX XXXX 2. XX/XX/XXXX XXXX 3. XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
These inquiries were not made by me, and I have no relationship with the listed creditors. I kindly request their swift removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I signed paperwork with XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. All financing documents I signed named XXXX XXXX as the lender. 

On the morning of XX/XX/XXXX, around XXXX XXXX I returned the vehicle to the service department, and a staff member immediately took possession of the car and the fob keys. After dropping off the car, I walked into the main office and handed a signed cancellation letter directly to a manager at the front desk. I documented the return with photos, including one showing the license plate number XXXX clearly visible. 

The dealership manager told me I would receive a call back after XXXXXXXX XXXX on XX/XX/XXXX, but no one ever contacted me. I received no response from the dealership at all. 

The following day, on XX/XX/XXXX, I emailed the finalized version of my cancellation letter to both XXXX XXXX XXXX XXXX and XXXX XXXX. 

Later that same day, I discovered that a loan through Wells Fargo Auto had been opened in my name without my knowledge or consent. I never signed any paperwork authorizing financing through Wells Fargo. All documentation in my possession shows XXXX XXXX, and XXXX confirmed to me that the loan was never funded and they are awaiting formal cancellation from the dealership. 
I immediately contacted Wells Fargos fraud department and opened a fraud investigation ( Case # : XXXX ). I also submitted a formal complaint to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  against Wells Fargo ( Complaint ID : XXXX ) and filed with the Arizona Attorney XXXX XXXX ( Confirmation # XXXX XXXX  ), including the photos showing the returned vehicle and visible license plate. I also notified XXXX XXXX. 

I requested confirmation from Wells Fargo of who submitted the loan application in my name, copies of any Wells Fargo contract or agreement with my signature, and immediate cancellation of any loan opened without my consent. Wells Fargo has not responded. 

As of now, the dealership is still in possession of the car. I never registered it, never insured it, and do not have possession of it. I believe the dealership submitted a second contract or forged documents without my knowledge after I left the premises. This loan was unauthorized, and I request that Wells Fargo cancel it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief