vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I have been banking with the XXXX XXXX for close to 3 years they apparently sold out to Renaissance renaissance has been managing my bank account for about a month and a half they continuously shut my card down continuously freeze my account I am on XXXX and my income is low and if I don't have access to my money my family and I go without now after a month and a half of chaos they have Frozen my account the night that I'm supposed to receive my benefit check which means I don't know when I'm going to get it it might have to be reissued it might have to be reissued to a new account they went as far as to close my card today I spoke with them in person and they said no problem the account was fine and then freeze my account the minute that I turn my back on them and now I have nothing and I will probably be homeless I beg them not to mess with the account anymore because of this payment and they closed the whole thing without my permission obviously rejected the payment and now I'm going to be put out of my home and I just want somebody to know what a horrible thing they have done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 2025-08-29 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: AZ

Complaint narrative:
In XXXX I received an email from XXXX saying I had till the end of the month to contact/pay a payment to avoid being reported as 90 days late. I made my payment on the last day of the month as the email required yet they still reported by accounts past due even though payment was made on time per their email. Also multiple small ( semester loans ) are reported individually on my report however the entire student loan is combined into one payment on XXXX so I feel it is unethical and legally not right to report ONE student loan payment due as 8 multiple late payments. If the loans are combined into one payment then they should be reported as one 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 non-monetary relief
Consumer complaint received 2025-08-29 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: AZ

Complaint narrative:
In XXXX I received an email from XXXX saying I had till the end of the month to contact/pay a payment to avoid being reported as 90 days late. I made my payment on the last day of the month as the email required yet they still reported by accounts past due even though payment was made on time per their email. Also multiple small ( semester loans ) are reported individually on my report however the entire student loan is combined into one payment on XXXX so I feel it is unethical and legally not right to report ONE student loan payment due as 8 multiple late payments. If the loans are combined into one payment then they should be reported as one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: AZ

Complaint narrative:
In XXXX I received an email from XXXX saying I had till the end of the month to contact/pay a payment to avoid being reported as 90 days late. I made my payment on the last day of the month as the email required yet they still reported by accounts past due even though payment was made on time per their email. Also multiple small ( semester loans ) are reported individually on my report however the entire student loan is combined into one payment on XXXX so I feel it is unethical and legally not right to report ONE student loan payment due as 8 multiple late payments. If the loans are combined into one payment then they should be reported as one 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 2025-08-29 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: GA

Complaint narrative:
A solution would be making companies provide original contracts or delete negative accounts from my credit report. Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ) by refusing to properly investigate disputed accounts. I cited clear errors and requested documentation, yet Experian responded only with verified as accurate without providing proof or the method of verification as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian is also failing to ensure maximum possible accuracy under FCRA 1681e ( b ), allowing contradictory and incomplete data to remain on my file. I am requesting deletion or correction of these accounts unless full documentation is provided.

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 2025-08-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am formally submitting a follow-up complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debts, and I have reason to believe that the reported balances and account information are incorrect. 
The items I am disputing include : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NV

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Company Complained About : Transunion I am filing this complaint regarding unauthorized hard inquiries that appear on my Transunion credit report. These inquiries were not initiated by me, and I did not authorize the listed Creditor to access my credit file.

According to the Fair Credit Reporting Act ( FCRA ) : 604 ( a ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as with the consumers authorization.

611 ( 15 U.S.C. 1681i ) : Consumers have the right to dispute inaccurate or unauthorized information and request an investigation.

616617 ( 15 U.S.C. 1681n, 1681o ) : Failure to comply with these obligations may result in civil liability.

Despite not providing authorization, the following hard inquiries have been placed on my Transunion credit file : Disputed Inquiries : XXXX XXXX XXXX - XX/XX/XXXX Steps Already Taken : I have submitted a written dispute to Transunion ( dated XX/XX/XXXX ), including government-issued ID and proof of address, requesting removal the unauthorized inquiriy. 

I have requested Transunion provide documentation proving my consent for each inquiry or remove them within 30 days. 

Impact of the Problem : These inquiries negatively affect my credit score. 

They create the false impression that I have applied for multiple credit accounts. 


This can harm my ability to secure legitimate credit, loans, or favorable terms. 

Desired Resolution : Removal of all unauthorized hard inquiries from my XXXX  credit report. 


Assurance that Transunion will comply with FCRA standards and prevent unauthorized access to my credit file in the future.

Notification to all relevant third parties that previously received my credit report of the corrected information.

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 2025-08-29 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: TX

Complaint narrative:
Despite submitting multiple disputes with Experian and providing an FTC Identity Theft Report as evidence, Experian has failed to remove fraudulent accounts that do not belong to me. These accounts are the result of identity theft, and I have made every effort to resolve this properly. However, Experian continues to leave these inaccurate items on my credit report, which is causing ongoing harm and reflects a lack of compliance with their duty under 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 explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I am submitting this follow-up complaint to dispute inaccurate and outdated late payment information being reported by credit bureaus on multiple closed accounts. Some of these accounts have already been removed from other credit reporting agencies, yet they continue to appear with negative information on some of my credit report. These late payments may have been reported in error or have not been properly validated. I am requesting assistance from the Consumer Financial Protection Bureau to initiate a reinvestigation and ensure that credit reporting agencies comply with the Fair Credit Reporting Act ( FCRA ). XXXX. XXXX XXXX Account Number : XXXX Status : Closed Disputed Late Payments : 30 days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late XX/XX/year>. This closed account is showing late payments that I believe are either incorrect or have not been validated in accordance with federal standards. XXXX. XXXX XXXX Account Number : XXXX Status : Closed Disputed Late Payments : 30 days late XX/XX/year> XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Status : Closed Disputed Late Payments : Multiple late payments. If the furnisher can not provide verifiable documentation such as billing statements, logs, or payment records to support these entries, I request they be removed as required by FCRA Section 623 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
My account with XXXX XXXXXXXX AND XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 in to be removed.

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. 

XXXX XXXX AND XXXX XXXXXXXX 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! 

Delete 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 2025-08-29 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate account being reported on my credit file by XXXX XXXXXXXX XXXX 

The account was closed in XXXX, yet it continues to report monthly delinquencies/charge-off codes throughout XXXX and XXXX. According to the Credit Reporting Resource Guide XXXX XXXX XXXX XXXX ), once an account is closed, furnishers can not continue to report new late payments or charge-offs beyond the closure date. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), as the information being furnished is factually inaccurate and misleading. It creates the false appearance of new late payments every month, which is not true.

Since the furnisher and the credit bureaus have shown an inability to maintain accurate reporting, the only lawful remedy under FCRA 611 ( a ) ( 5 ) ( A ) is complete deletion of the account from my credit file.

I am requesting the CFPB to take action and ensure this account is deleted entirely, not corrected or updated, since the ongoing false reporting demonstrates that accuracy can not be maintained.

Failure to remove this account will leave me no choice but to escalate further with the FTC and my State Attorney General for willful violations of federal 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 2025-08-29 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate account being reported on my credit file by XXXX XXXXXXXX XXXX 

The account was closed in XXXX, yet it continues to report monthly delinquencies/charge-off codes throughout XXXX and XXXX. According to the Credit Reporting Resource Guide XXXX XXXX XXXX XXXX ), once an account is closed, furnishers can not continue to report new late payments or charge-offs beyond the closure date. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), as the information being furnished is factually inaccurate and misleading. It creates the false appearance of new late payments every month, which is not true.

Since the furnisher and the credit bureaus have shown an inability to maintain accurate reporting, the only lawful remedy under FCRA 611 ( a ) ( 5 ) ( A ) is complete deletion of the account from my credit file.

I am requesting the CFPB to take action and ensure this account is deleted entirely, not corrected or updated, since the ongoing false reporting demonstrates that accuracy can not be maintained.

Failure to remove this account will leave me no choice but to escalate further with the FTC and my State Attorney General for willful violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This complaint is being filed as a follow-up to my prior disputes regarding the inaccurate reporting of an account on my credit file. I am again formally requesting a reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, as the information being reported remains inaccurate and/or incomplete. These errors continue to misrepresent my credit history and negatively impact my financial standing. Despite my previous requests, the account has not been properly verified or corrected, which indicates that the credit reporting agency has not fulfilled its legal obligations to ensure maximum possible accuracy. I respectfully request that the CFPB ensure a full reinvestigation is conducted, that proper verification from the furnisher is obtained, and that the account is updated or corrected in compliance with the law. Kindly refer to the documents I have attached to facilitate the process of correct the Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  balance {$250000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$40000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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