vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: CA

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 2025-04-22 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: SC

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the inaccurate late payment reporting by XXXX XXXX for the account referenced above. The credit report reflects late payments reported in XX/XX/year>, which are inaccurate and unsupported by the facts or timeline of payments. 

In XX/XX/year>, I requested a full payoff statement from XXXX XXXX. On XX/XX/year>, I mailed a check for the full payoff amount of {$5800.00}, which was rejected and returned. Subsequently, I issued another check dated XX/XX/year>, in the same amount, which was also returned by XXXX XXXX citing insufficiencydespite it exceeding the stated payoff amount. 

Due to the unreasonable and repeated rejection of mailed payments, I fulfilled the loan via XXXX XXXX XXXX payments totaling {$6000.00} on XX/XX/XXXX and XX/XX/year>, effectively paying off the balance in full. These payments were processed and completed by XXXX. 

Attached are the following documents in support of this dispute : XXXX official payoff statement dated XX/XX/year>. 

Copies of returned checks with XXXX rejection letters dated XX/XX/XXXX and XX/XX/year>. 

XXXX XXXX receipts and bank statements confirming the final payoff via debit. 

Proof of timely and good-faith attempts to satisfy the debt prior to the alleged late payment. 

XXXX XXXX reporting of a late payment in XX/XX/year> is factually incorrect and does not reflect my good faith efforts, the documented timeline of payments, nor the actual payoff completion. 

As required by FCRA 1681i, I respectfully request : Immediate reinvestigation of the disputed information.

Removal or correction of the inaccurate late payment reporting from my credit file.

Notification of the corrected results to all who have received my credit report in the past 6 months.

Additionally, under FCRA 1681n and 1681o, I reserve the right to seek statutory damages, actual damages, attorneys fees, and costs due to Ally Financials willful and negligent noncompliance with the FCRA after providing sufficient documentation.

Please confirm receipt of this dispute and notify me in writing of your findings within the required 30-day window.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the inaccurate late payment reporting by XXXX XXXX for the account referenced above. The credit report reflects late payments reported in XX/XX/year>, which are inaccurate and unsupported by the facts or timeline of payments. 

In XX/XX/year>, I requested a full payoff statement from XXXX XXXX. On XX/XX/year>, I mailed a check for the full payoff amount of {$5800.00}, which was rejected and returned. Subsequently, I issued another check dated XX/XX/year>, in the same amount, which was also returned by XXXX XXXX citing insufficiencydespite it exceeding the stated payoff amount. 

Due to the unreasonable and repeated rejection of mailed payments, I fulfilled the loan via XXXX XXXX XXXX payments totaling {$6000.00} on XX/XX/XXXX and XX/XX/year>, effectively paying off the balance in full. These payments were processed and completed by XXXX. 

Attached are the following documents in support of this dispute : XXXX official payoff statement dated XX/XX/year>. 

Copies of returned checks with XXXX rejection letters dated XX/XX/XXXX and XX/XX/year>. 

XXXX XXXX receipts and bank statements confirming the final payoff via debit. 

Proof of timely and good-faith attempts to satisfy the debt prior to the alleged late payment. 

XXXX XXXX reporting of a late payment in XX/XX/year> is factually incorrect and does not reflect my good faith efforts, the documented timeline of payments, nor the actual payoff completion.

As required by FCRA 1681i, I respectfully request : Immediate reinvestigation of the disputed information.

Removal or correction of the inaccurate late payment reporting from my credit file.

Notification of the corrected results to all who have received my credit report in the past 6 months.

Additionally, under FCRA 1681n and 1681o, I reserve the right to seek statutory damages, actual damages, attorneys fees, and costs due to Ally Financials willful and negligent noncompliance with the FCRA after providing sufficient documentation.

Please confirm receipt of this dispute and notify me in writing of your findings within the required 30-day window.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Information was placed on the dark web resulting in identity theft on my credit report Dispute of Inaccurate Information Due to Identity Theft Under FCRA 1681i ( a ), 1681i ( a ) ( 6 ) ( B ), 1681i ( a ) ( 5 ) ( B ), and 1681c-1

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$21000.00}

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 2025-04-22 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: VA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
b'ast week I was searching for a personal loan for 3000 and with my low credit score my abilities to apply were limited, i found this company and they would lend me the money with a good repayment program, so we started the process of applying, Hey told me that they needed to deposit some money in my checking account to increase my credit score and getting the loan,they deposit XXXX which they did and was return to them by buying cripto.I told them that i was not interested in continuing the application but today they deposit XXXX  and i am trying to return the money. I dealt with XXXX  as their representative and his phone number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
Complaint Title : XXXX Reporting Inaccurate Late Payment Due to System Error Details : I am filing a complaint against XXXX XXXX XXXX for reporting an incorrect late payment dated XX/XX/year>, tied to Loan XXXX XXXXXXXX. 

The late payment was due to an internal system issue with XXXX, not a missed or delayed payment on my part. I have only one payment remaining, and my account has otherwise been in good standing. 

This error caused a significant XXXX drop in my credit score. Despite reaching out to XXXX XXXX correct it, the mark remains and continues to affect my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
Complaint Title : XXXX XXXX XXXX Late Payment Due to System Error Details : I am filing a complaint against XXXX XXXX XXXXXXXX for reporting an incorrect late payment dated XX/XX/year>, tied to Loan XXXX XXXXXXXX. 

The late payment was due to an internal system issue with XXXX not a missed or delayed payment on my part. I have only one payment remaining, and my account has otherwise been in good standing. 

This error caused a significant XXXX drop in my credit score. Despite reaching out to XXXX to correct it, the mark remains and continues to affect my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: KS

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a wage garnishment letter for a debt that I was not aware of. I have been contacting the debt collector and constantly get inaccurate. Furthermore I was never served the summons regarding the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please send the full copy of my XXXX  screening report to my current mailing address listed above. If you require additional information to process this request, you may contact me at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MO

Complaint narrative:
I just reviewed my credit report and noticed there are accounts being reported that I have no knowledge of. These accounts are completely unknown to XXXX never opened them, never used them, and was never notified of their existence. I dont know how they ended up on my report, but they do not belong to me and theyre presenting a false picture of my financial history. This is incredibly frustrating and unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Credit card was used fraudulently for multiple transactions, over {$2000.00}. Company states I'm responsible to pay and closed fraud dispute. In multiple attempts, I provided police report for fraud as well as other requested documents. Company closed dispute and refused to provide supporting documentation of denial of claim. Charging outrageous interest on fraud charges which is effecting my credit. Representatives were no help and overall very rude and careless. Navy Federal does not care to help their consumers with claims or recover funds for fraud/disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
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 2025-04-22 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:
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 2025-04-22 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: CA

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 non-monetary relief