vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION 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 1002 and It was never provided.

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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding an XXXX loan account with Bank of America. I have sent multiple written notices via certified mail to Bank of America, including a Request for Statement of Account and a Statement of Specific Negative Averment, to determine whether they are legally authorized to collect on this account. I received no response. 

The lack of response raises serious concerns about the validity of the account, their legal standing to collect, and possible violations of consumer protection laws. I requested : Full account validation, A complete accounting of the alleged debt, and XXXX that they are the proper party with the right to collect. 

Despite these formal requests with third party notary witness, Bank of America continues to report this account, still collects on the account that was to have been adjusted and brought to a XXXX balance XXXX has not provided the information required under federal law. This is a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and possibly 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 2025-04-25 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Account Bullcity finicaally Solutions account # XXXX & XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX & XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've provided all information necessary to take accounts that were in collection and showing that were still opened, while i paid in full all accounts and provided the confirmation of payments. but Experian or Transunion have not updated my credit score report after XX/XX/year>. Even though i have a result from them that the disputes were resolved and accepted, the information does not reflect on the 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
About XXXX years ago while exiting the XXXX apartments witch I have a pending littigation case with like the whole complex does. I had did a exit of the unit with gentleman After we discussed all that was required to be paid due to any damages I was covered for everything in the unit signing a document stating after all damages my remaining balance would be around {$35.00} I was submitted a money order for that amount. A month later while court documents were being shared for littigation case they contact me stating the housing authority never covered {$800.00} worth rent and I am responsible I seen proof of and agreed to. I started making payments as I am low income. I've made a few and stopped receiving bills and was going through so much emotional stress and losses I had forgotten of this bill. A year later I received a bill for {$2100.00} .A XXXX later they send me to collections requesting a huge amount I have never agreed to as you can see I never signed after the {$800.00} where its highlighted. I know also a old job of mines my issues with this property as far as littigation and deposit info was shared with a co-worker witch is also illegal. I'm requesting original documents of my signed exit document with inspection and balance of money order and a signed document of this amount and the credit collection company will not comply only sending what I have uploaded disregarding my complete request demanding payment and screwing interest during my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am submitting this complaint to TRANSUNION regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters.

XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} Date Opened : XX/XX/XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX * Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$390.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$520.00} Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: NC

Complaint narrative:
Account XXXXSELFLENDER # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$6900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute multiple violations concerning my Experian credit report, including inaccurate and derogatory reporting. 

Several closed accounts, including those with XXXX ( ending in XXXX, XXXX, and XXXX ), XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX accounts ( ending in XXXX and XXXX ), have been reported with charged-off or negative statuses, despite numerous disputes and corrections. Additionally, the active XXXX XXXX XXXX account opened XX/XX/year> ( ending in XXXX ) is inaccurately reported with excessive late payments and usage beyond the limit, severely misrepresenting my credit profile. 

Further, multiple unauthorized inquiries are listed, including XXXX XXXX XXXX XXXX XXXX XXXX, without my permission or a valid application initiated by me. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires data furnishers and credit bureaus to report only accurate, complete, and verifiable information. I demand immediate deletion of all fraudulent or inaccurately reported accounts and inquiries, and full correction of my credit file. 

Please consider this a formal complaint for violation of my FCRA rights and request immediate investigation and resolution within the 30 days allowed under federal law. 

Thank you for your prompt attention to this serious 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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Since XX/XX/year> Ive disputed erroneous charges made by XXXX for flight made by me using its website. XXXX reimbursed several of mistaken bookings due to website fault not mine. As of this XXXX & XX/XX/year> Citi had not been able to contact XXXX. Finally XXXX sent its evidence supporting their claim which consisted of {$3400.00} & {$4900.00} for XXXX tickets. In XXXX web XXXX XXXX, I appeared as having XXXX booking XXXX & in the same, it showed XXXX tickets issued to my name, round trip, same flight, same day same hour. After several attempts to make corrections by me which were impossible and agent XXXX from XXXX reservation center in XXXX  tried to fix it and instructed me not to do any further attempts. That was on XX/XX/year>. That morning XXXX called from XXXX headquarters ( XXXX XXXX ) & she made the exchange of XXXX ticket for the other since no agent in XXXX could do bc Serious faults in its site. Ticket # XXXX for $ XXXXwas exchanged for ticket # XXXX for {$4900.00}. In both instances the proof submitted by XXXX shows the exchange & since I decided to go business & not coach, the fare changed from XXXX to XXXX. In the exchanged ticket the fare I chose was economy flex & economy confort & both fares allow for changes without extra charge. And in the first exchanged ticket no fare shows. XXXX other evidence shows the change in fare for XXXX, XXXX. Which after seeing their evidence for this amount I agreed to pay. But the XXXX was refused reimburse. Citi card decided to end the disputes & my account shows both fares. I will not accept charges for tickets that were not bought. I was never invoiced for the exchanges & the upgrade. Apparently Citi gave up & as of today I received letter from Citi informing that They had come to the conclusion that they were unable to assist me since the service for which my account was billed were provided & that I had to contact XXXX. Citi closed the investigation with this letter & Citi also informed that I would be referred to the Cosumer reporting agencies, even though my account was in good standing. Contacting XXXX is impossible. I need to have the charge for XXXX to be eliminated from my account bc it doe not proceed. I will pay the XXXX but not the other charge for XXXX. XXXX evidence supports my allegations

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In early XX/XX/year>, I enlisted my services on XXXX I encountered lots of errors on their app and then later noticed that I had been charged {$100.00} for a lead which had been sent to me. 

On XX/XX/XXXX, after being unsuccessful in removing my card details from their system, I sent an email to thumbtack, asking them to delete my card details and deactivate my account. They ignored, continued to send me leads, and continued to charge me for it, and ran a total of {$740.00}. 

I called citi bank to dispute these charges which they initially refunded, but shortly afterwards, citibank reversed the charges and sent the money back to XXXX because they said that XXXX sent them evidence to show that I didn't follow cancelation policies. Citi bank went ahead to do this even after I sent them copies ( both physically via post and virtually via email ), of the email i sent to XXXX on XX/XX/XXXX, asking them to delete my card details and account. 

I was asked to email XXXX if I disagree with the resolution, which I did, but citibank ignored all XXXX emails I sent, including extra evidence of online reviews from multiple other victims of Thumbtack. 

I would like citi bank to refund my money, being that they ignored me and allowed XXXX to steal my money from my account.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have XXXX hard inquiries and its identity theft I never applied for these accounts inquiry : CBNA/THD, XXXX, XXXX XXXX , and also XXXX I would like for these inquiries to be removed please [ 15 U.S. Code 1602p ]

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$220000.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account name : XXXX Account number : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XX/XX/XXXX ONEMAIN XX/XX/XXXX ONEMAIN XX/XX/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