vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
My account 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.

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 2025-04-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I provided Experian with my state issued driver license to change the incorrect addresses and other information I found on my credit profile. They did not comply with my request to correct my information. They are in violation of The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) which mandates that consumer reporting agencies ( CRAs ) provide accurate, fair, and confidential information, and that furnishers of information to CRAs ensure the accuracy of the data they provide. Their inability to correct my credit profile is impacting my quality of life.

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 2025-04-01 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: CA

Complaint narrative:
Ive contacted Equifax and transunion many times to remove these items from my credit report they keep saying 30 days for the system to process they been saying that since the XXXX  year started then they ask me for a bunch of documents and still havent removed the items.

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 2025-04-01 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
A hotel we stayed at, XXXX XXXX at XXXX XXXX XXXX over charged us by {$1700.00}. We filed a dispute with our bank, Navy Federal credit Union. They then gave us the {$1700.00} provisional credit, back on XX/XX/2025. They said they would research it and let us know. Then, on XX/XX/2025 I noticed my account was negative exactly {$1700.00}. Since it had been so long, I had no idea what this was. I called Navy Federal and they informed me it was them taking back the provisional credit they gave us. I asked how I can reopen this dispute because o have edit Union moved my funds from documents to give them. On XX/XX/2025 I had a paycheck come through to mine and my husband 's joint account for $ XXXXI transfered {$750.00} to my savings to keep It untouched because it is impairativ for our rent. Navy Federal sometime between midnight and XXXX on XX/XX/2025, Navy Federal removed the money from my savings and deposited it in my checking and savings to cover some of the negative. Now we do not have enough to pay rent and face homelessness. I'm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I tried to access my credit file due to a message I received and I was completely blocked. When I tried to get help the rep hung up on me. There are several disputes I need to monitor and I can not access my file in violation of 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 2025-04-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-01 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX : : XXXX - Address This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/year> WELLS FARGO AUTHORIZED 2 SEPERATE CASH ADVANCES ON 2 MY CREDIT CARDS. BOTH CREDIT CARDS WERE LOCKED. I WAS PHYSICALLY STANDED INSIDE OF A WELLS FARGO BRANCH WHEN THIS HAPPENED. AS STATED IN THE POLICE REPORT, THIS CRIME WAS DEFINITELY AN INSIDE JOB AND/OR A PERSON OR PERSONS WITH THE ABILITY TO BACKDOOR WELLS FARGO ACCOUNT HOLDERS. 
WELLS FARGO IS A CRIMINAL ENTERPRISE THAT CALLS THEMSELVES A BANK. 
I HAVE ATTACHED WELLS FARGO 'S REPSONSE TO MY PREVIOUS 2 COMPLAINTS AND THE LETTERS ARE THE SAME. XXXX IS THE PERSON WHO CONTACTS ME BECAUSE OF MY COMPLAINTS, HOWEVER, SHE IS JUST THE MESSENGER. XXXX IS NOT INVOLVED IN THE INVESTIGATION. 
I AM A HUSBAND AND MY WIFE DOES NOT WORK. MY WIFE AND I JUSTXX/XX/XXXXY AND THIS HAS BEEN THIS WORK CUSTOMER SERVICE EXPERIENCE EVER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I enrolled in a contract with XXXX XXXX XXXX which was to include aligner treatment, in-person and XXXX check-ins, and a lifetime smile warranty for future adjustments. XXXX XXXX XXXX XXXX has closed its doors completely they have breached the terms of this contract, and I didn't receive full treatment before they shut down operations. As a result of this, since i was no longer getting my treatment, i stopped paying my monthly dues. it didnt make sense to me to continue to pay for something that was not being provided to me. I want to clarify here, by the time i was close to finishing my treatment, my bite was completely messed up, which is why i reached out to them so i could have this fixed. This is something that would've been provided under their smile warranty, however, by the time i was going to get new scans, they shut down and I could never get my teeth alignment fixed. 
Also, My contract explicitly states in the relationship of the parties that Healthcare Finance Direct is not a lender, but a payment processor for XXXX XXXX XXXX. This contract is voided by the breach of contract from XXXX XXXX XXXX leaving them with no legal right to continue collecting payment. 
Now, XXXX XXXX XXXX  seems to have sold this " debt '' to a collections agency " XXXX XXXX ''. this company has been calling me and sending me emails almost every day trying to get me to pay for what this think i " owe ''. 
This company first reached out to me on XX/XX/XXXX, however, even after requested, they haven't sent me a letter in the mail with information validation this " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$6200.00} XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX - XXXX - XX/XX/XXXX - {$18000.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4900.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5400.00} XXXX XXXX XXXX XXX***XXX XXXX XX/XX/XXXX - {$14000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5400.00} XXXX - XXXX - XX/XX/XXXX - {$460.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-04-01 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: MI

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

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 2025-04-01 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: NJ

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Im a long time user of cash app and over the years there has been some transactions that have been done on my account dt hat Ive not gotten refunded for. 

XX/XX/XXXX {$100.00} dollars was sent to someone for a purchase but I didnt receive the goods I requested refund and asked for customer service to dispute this transaction but none came to the rescue. 

XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX {$30.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$100.00} XX/XX/XXXX XXXX $ XX/XX/XXXX {$150.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$40.00} These are just some of the transactions that I couldnt get cashapp customers service to solve, Ive lost countless opportunities over the years for these things. I just wish to get a justifiable amount in return for the torture Ive been put through mentally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received a text message from my Bank account ( XXXX ) that one of my checking accounts was overdrawn. I quickly checked my account and sure enough it was overdrawn by {$500.00}. I logged onto my XXXX checking account and noticed unauthorized withdrawals from my PayPal account were made going back to the beginning of XXXX. I have a PayPal account that is linked to my chase checking account but have never had any unauthorized activity. I called XXXX and notified them of the fraudulent activity, and they quickly locked my checking account, and I started a fraudulent claim with them. The total amount that was taken from my chase account was over {$4500.00} and sent to my PayPal account, and from there an unauthorized person who got ahold of my account and withdrew all of that money. I now have a ( XXXX ) balance on my PayPal account and am being threatened by papal that it will go to collections if I don't pay it off. I have provided PayPal with all the documentation of the unauthorized withdrawals, but they keep telling me that there was no authorized activity on my account. I have 4 pages from XXXX fraud department that proves this was fraudulent activity and still PayPal, says I owe them money. The person who hacked my PayPal account also added their address which is different then mine and a debit card to my papal account however PayPal still denies fraudulent activity. Please help!!

Company response to consumer: Closed with explanation