vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Complaint to the CFPB XXXX ( Account ending in XXXX ) To Whom It May Concern : I am filing this formal complaint against XXXX XXXX XXXX ( XXXX ) and the credit reporting agencies XXXX XXXX and TransUnion due to serious reporting inaccuracies that are negatively affecting my credit profile. 

This account was opened on XX/XX/XXXX as an unsecured installment loan, with a current monthly payment of {$58.00}. Despite making timely payments and the account being paid as agreed, all three bureaus are incorrectly reporting a XXXX late payment in XX/XX/XXXX, which is completely false and damaging. 

Key Inaccuracies : Equifax shows a XXXX late payment in XX/XX/XXXX, yet my last payment is listed as XX/XX/XXXX, and the status is " XXXX ''. 

Experian reports a XXXX delinquency as well, even though it shows consistent " OK '' history and the last payment on XX/XX/XXXX. 

TransUnion also reflects a XXXX late mark despite showing the last payment made on XX/XX/XXXX and current status. 

No dispute or investigation has been conducted by the furnishers or CRAs despite these inconsistencies. 

Equifax shows XXXX terms on a XXXX loan, which is inaccurate. 

The account is reported as Negative even though it is current and active. 

VIOLATIONS OF FEDERAL LAW : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681s-2 ( b ) : The furnisher failed to investigate and correct inaccurate information upon dispute.

1681i : Bureaus have not corrected false information or conducted a proper reinvestigation process.

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : Misreporting of loan performance and payment obligations distorts my payment behavior, violating transparency in loan terms and disclosures.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : By sharing erroneous financial data with third parties without safeguarding accuracy, XXXX and the bureaus failed to maintain the confidentiality and integrity of my financial information. 

Consequences : Due to these false XXXX late marks and the unjustified negative status, my XXXX XXXX has been severely impacted, affecting my access to essential financial opportunities. This is not only unfairit is unlawful under the provisions mentioned above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
Account Continental Finance Company ending in # XXXX. I'm unaware of this debt and did not have the oppurtunity 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 ending in # XXXX as soon as possible from my credit report or I will have to take legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Saint Services LLC
State: NM

Complaint narrative:
The initial call lasted an hour and a half where there were promises that everything will be taken care of. I payed an initial fee of XXXX $ and then got charged another total of around {$300.00} for credit saint to fix the debt collection with the bureau. All they did is file a dispute which I have already done myself. At the end when I called and asked about what is going on they said that my XXXX refundable was not going to be given back because 90 days have passed. Emails have been minimal and there was no notification of any progress. Not to mention the rudeness on the phone.. 
bellow is a picture the only type of communication I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
upon reviewing my credit consumer reports, i discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information.it is imperative that this information be reported with utmost accuracy. i have never missed a payment on the following account XXXXXXXX XXXX XXXX XXXX  account number started XXXX and XXXX XXXXXXXX XXXX is the same company reporting double information. i request a thorough investigation into these discrepancies and urge you to provide evidence, such as statement, demonstrating the lateness of these payments. if unable to furnish such proof, i demand that these payments be promptly updated to reflect their true status as on-time, no late payments120days,90days,60, days and 30days no late payments at all. as i have consistently upheld my payment obligations without delay and seacoast nation bank is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX XXXX XXXX  Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-05-20 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX XXXX XXXX  Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-05-20 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: MD

Complaint narrative:
I am disputing the information reported by XXXX ( Account XXXX ) on my Experian credit report. This account is being inaccurately reported. Reporting this information without my written consent violates my rights under the Fair Credit Reporting Act, specifically 15 USC 1681a ( 4 ), 1681b ( 2 ), and 1681c-2. Such unauthorized reporting is a serious violation of my privacy and consumer rights. This inaccurate information is negatively affecting my ability to secure essential housing and critical business funding, causing significant personal and financial hardship. Under 15 USC 1681n and 1681o, I am entitled to pursue damages of {$1000.00} per violation for willful or negligent noncompliance with the 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 2025-05-21 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: 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 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 2025-05-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Debit Card was used without my permission. I never authorized it. Wells Fargo has denied the fraud claim All these transactions occurred on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo says my pin was used. I have never given it to anyone. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Incorrect Personal Information Dispute : 1. Inaccurate Previous Address Reported Incorrectly : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Correct Address History : [ List your actual previous addresses, if applicable ] Supporting Evidence : [ Attach proof of residency, such as a utility bill or lease agreement, if available ] Legal Basis for Removal : Under FCRA 605 ( a ) ( 1 ), credit bureaus must not report inaccurate or obsolete information. 

FCRA 611 ( a ) ( 1 ) ( A ) requires bureaus to conduct a reasonable investigation within 30 days of a dispute.

If the information can not be verified, it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

Requested Resolution : Immediate deletion of the incorrect address ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) from all three credit reports. 

Confirmation in writing that this information has been removed. 

An updated copy of my credit report reflecting these corrections. 

Warning : Failure to correct this inaccuracy within 30 days constitutes a willful violation of the FCRA, subject to penalties under 15 U.S.C. 1681n.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect Personal Information Dispute : 1. Inaccurate Previous Address Reported Incorrectly : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Correct Address History : [ List your actual previous addresses, if applicable ] Supporting Evidence : [ Attach proof of residency, such as a utility bill or lease agreement, if available ] Legal Basis for Removal : Under FCRA 605 ( a ) ( 1 ), credit bureaus must not report inaccurate or obsolete information. 

FCRA 611 ( a ) ( 1 ) ( A ) requires bureaus to conduct a reasonable investigation within 30 days of a dispute.

If the information can not be verified, it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

Requested Resolution : Immediate deletion of the incorrect address ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) from all three credit reports. 

Confirmation in writing that this information has been removed. 

An updated copy of my credit report reflecting these corrections. 

Warning : Failure to correct this inaccuracy within 30 days constitutes a willful violation of the FCRA, subject to penalties under 15 U.S.C. 1681n.

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am submitting this statement as part of my formal complaint and request under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2, to dispute and seek the permanent removal of inaccurate and unauthorized information currently appearing on my credit report. 

After reviewing my credit file, I identified [ describe briefly the inaccurate information, e.g., a collection account, charge-off, or credit card account ] that I believe to be either the result of identity theft or incorrect reporting. I did not authorize this account and have no knowledge of its origin. I am requesting that this information be blocked from appearing on my credit report and not be provided to any person or entity, as allowed under federal law. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am submitting this statement as part of my formal complaint and request under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2, to dispute and seek the permanent removal of inaccurate and unauthorized information currently appearing on my credit report. 

After reviewing my credit file, I identified [ describe briefly the inaccurate information, e.g., a collection account, charge-off, or credit card account ] that I believe to be either the result of identity theft or incorrect reporting. I did not authorize this account and have no knowledge of its origin. I am requesting that this information be blocked from appearing on my credit report and not be provided to any person or entity, as allowed under federal law. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information that appears on my credit report. Specifically, I am referring to the [ name of the creditor or institution ] that reported negative information regarding my account XXXX  XXXX Under 15 U.S.C. 1681c-2, I am entitled to be notified within a reasonable time frame if negative information has been reported about me. However, I have not received any notice from [ the creditor or reporting entity ] regarding the reporting of this negative information to the credit reporting agencies. As a result, I believe this negative information may have been reported without the required notification, in violation of the Fair Credit Reporting Act ( FCRA ). 

The information in question is : Account Name : XXXX XXXX Account Number : XXXX Reported Date : XX/XX/year> Negative Information : charge off As per 15 U.S.C. 1681c-2, I am requesting that you provide evidence that the required notice was sent to me when the negative information was reported. If you are unable to provide this proof, I respectfully request that this item be removed from my credit report, as it was reported in violation of my rights under the FCRA.

Please provide me with a copy of any documentation showing that I received the notice, or, if such documentation does not exist, remove this negative entry from my credit report.

I would appreciate your prompt attention to this matter and expect a response within the timeframe outlined in the FCRA. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information that appears on my credit report. Specifically, I am referring to the [ name of the creditor or institution ] that reported negative information regarding my account XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I am entitled to be notified within a reasonable time frame if negative information has been reported about me. However, I have not received any notice from [ the creditor or reporting entity ] regarding the reporting of this negative information to the credit reporting agencies. As a result, I believe this negative information may have been reported without the required notification, in violation of the Fair Credit Reporting Act ( FCRA ). XXXXThe information in question is : Account Name  : XXXX XXXX  Account Number : XXXX Reported Date : XX/XX/year> Negative Information : charge off As per 15 U.S.C. 1681c-2, I am requesting that you provide evidence that the required notice was sent to me when the negative information was reported. If you are unable to provide this proof, I respectfully request that this item be removed from my credit report, as it was reported in violation of my rights under the FCRA.

Please provide me with a copy of any documentation showing that I received the notice, or, if such documentation does not exist, remove this negative entry from my credit report.

I would appreciate your prompt attention to this matter and expect a response within the timeframe outlined in the FCRA. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

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