vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Im writing to escalate a serious and unresolved matter involving a defective 2023 XXXX XXXX XXXX XXXX The vehicle has been unsafe and undriveable from the beginning. Although XXXX approved a buyback within days, your financial department has continued to report false missed payments destroying her nearly perfect credit. 

Weve followed every instruction from your team in good faith, including being told not to make payments once the buyback began. Yet her credit now shows months of delinquencies. 

Nothing about this has been handled with the professionalism or integrity one expects from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 presume 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
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-07-01 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor 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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SC

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-07-01 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:
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$3000.00} Reported Late Payments : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Status Updated : XX/XX/XXXX Why I Am Filing This Complaint : I am filing a formal complaint because this secured loan account is reporting two late payments that are completely inaccurate and false. The account was paid and closed, yet it falsely reflects a 30-day late mark in XX/XX/XXXX and a 60-day late in XX/XX/XXXX, despite the final payment being made on XX/XX/XXXX. These late marks are fabricated and are negatively impacting my creditworthiness. 

Violations of Law and Compliance Standards : 1. FCRA 1681s-2 ( b ) Furnishing inaccurate data This law prohibits furnishers from reporting data they know or should know is inaccurate. Reporting two false late payments on a paid account violates this provision.

2. FCRA 611 ( a ) Failure to properly reinvestigate If this account was previously disputed and still reflects false late marks without proof, that is a violation of the duty to reasonably reinvestigate disputed information.

3. FCRA 609 ( a ) ( 1 ) Failure to provide documentation No supporting documentation has been provided to justify the late payment entries. There are no billing statements, notices, or proof of delinquency.

4. Metro 2 Compliance Violation Improper late coding This account was paid in full on XX/XX/XXXX, and closed by XX/XX/XXXX. There is no justification for marking it 30 and 60 days late during this time. Metro 2 standards require accurate and timely reporting of payment history, which is clearly violated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$3000.00} Reported Late Payments : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Status Updated : XX/XX/XXXX Why I Am Filing This Complaint : I am filing a formal complaint because this secured loan account is reporting two late payments that are completely inaccurate and false. The account was paid and closed, yet it falsely reflects a 30-day late mark in XX/XX/XXXX and a 60-day late in XX/XX/XXXX, despite the final payment being made on XX/XX/XXXX. These late marks are fabricated and are negatively impacting my creditworthiness. 

Violations of Law and Compliance Standards : 1. FCRA 1681s-2 ( b ) Furnishing inaccurate data This law prohibits furnishers from reporting data they know or should know is inaccurate. Reporting two false late payments on a paid account violates this provision.

2. FCRA 611 ( a ) Failure to properly reinvestigate If this account was previously disputed and still reflects false late marks without proof, that is a violation of the duty to reasonably reinvestigate disputed information.

3. FCRA 609 ( a ) ( 1 ) Failure to provide documentation No supporting documentation has been provided to justify the late payment entries. There are no billing statements, notices, or proof of delinquency.

4. Metro 2 Compliance Violation Improper late coding This account was paid in full on XX/XX/XXXX, and closed by XX/XX/XXXX. There is no justification for marking it 30 and 60 days late during this time. Metro 2 standards require accurate and timely reporting of payment history, which is clearly violated here.

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 2025-07-01 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: TX

Complaint narrative:
I filed complaints about false information on my credit report with TransUnion, Equifax, and Experian. I informed them of the infractions they were committing against my consumer report and provided a list of the accounts. They still haven't responded after more than 30 days. Copies of every letter sent are included below. 

This business failed to label this disputed account as disputed, which is a violation of FCRA 623 ( a ) b ).
605 ( c ) running if the last activity date on this account is reporting and the period has also been broken. When should the most recent payment date appear?

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed complaints about false information on my credit report with TransUnion, Equifax, and Experian. I informed them of the infractions they were committing against my consumer report and provided a list of the accounts. They still haven't responded after more than 30 days. Copies of every letter sent are included below. 

This business failed to label this disputed account as disputed, which is a violation of FCRA 623 ( a ) b ).
605 ( c ) running if the last activity date on this account is reporting and the period has also been broken. When should the most recent payment date appear?

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: WA

Complaint narrative:
I've consistently had my autopay set up for the XXXX of the month since opening my card. I have not had any late payments. On XXXX I changed my autopay date to withdraw on the XXXX of every month with the balance being due the XXXX of every month. Whenever I've changed the due date on my other accounts with autopay it defaults it to the next billing cycle, especially since I changed it to an earlier date ( a date that already passed ). When I changed my autopay I received this email ( attached below ) and this statement from the credit card : " Until you have received a confirmation letter or e-mail from XXXX XXXX confirming the successful set up of Auto-Pay and the date the first Auto-Pay Payment will occur, you are required to continue making payments to your Credit Card account via another payment method other than Auto-Pay. Please note that it may take up to XXXX calendar days ( or more depending upon circumstances ) to complete the initial set up for Auto-Pay. '' This is referring to setting up autopay, which I have already had for years with them. In addition to this, my autopay change was enacted immediately since the email from them was the only one I got so I did not think anything was amiss. I noticed on XX/XX/XXXX I was charged a late fee {$29.00} and interest charge {$27.00} on XXXX. I paid off my statement and then some on XX/XX/XXXX then contacted XXXX XXXX customer service around XX/XX/XXXX which eventually transferred me to their partnered Keybank and I explained to them that the verbage associated for autopay did not fit my situation and they kept repeating what was in quotes from the site above. I explained I received the email stating my new autopay date was enacted, but it didn't state that my * existing * autopay wouldn't go through, just that it would take * new * autopay users up to 14 days to activate ; I explained I do not have a history of late payments, all my other accounts do not cancel out the upcoming autopay if you change it to an earlier date, and the verbage did not state this applied to existing users. On XX/XX/XXXX they stated they would refund my {$29.00} late payment fee. I asked about the interest charge because the only reason I received that was because of the late payment fee and they simply said they could not do it due to it not being a banking error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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:
I value my credit the same as everyone else 's which is why I'm really XXXX  about the mistakes I saw on my credit report. These errors are causing me a lot of XXXX  and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XX/XX/year> I got an email from PayPal saying I need a reinstate my account so I sent them a copy of my photo ID and the transaction they took it down my account for quote on quote violating policies I've used PayPal for XXXX years I've never done any of that I use it to send money to my friends and family because I can not use other payment apps I still have money in there I can not because they sent me an email saying I have to wait XXXX  days in order to take it out which is absurd because my account got hacked I got back in and then this happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or XXXX  on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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