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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX 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 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 XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXX * * The account is shown as in collection on Equifax only Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on TransUnion and Experian only Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on TransUnion and Experian only Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on TransUnion and Experian only Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on TransUnion and Experian only which is being inconsistently reported among the national credit bureaus.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I did a cash advance in a XXXX XXXX casino the money came out of account but did not physically get the funds. XXXX opened up a claim for me but transaction showed up valid. The ATM company verified I wasnt paid out and issued a refund back to chase. A month later I still dont have the funds and nobody seems to know where they are just that I am owed the amount of {$940.00}

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed all XXXX credit bureaus, in regards to in valid information on XXXX XXXX which showed I made no payments and my balance was not right, item was deleted XX/XX/2024 upon review my credit report I noticed it is back on with trans union I have disputed twice with it coming back an no response.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting the removal of outdated and inaccurate address information from my credit report. On XX/XX/year>, I received a response stating that my proof of address was unacceptable and that I could complete a verbal verification with a customer service representative. 

I called TransUnion and spoke with a representative named XXXX from the XXXX XXXX department. She informed me that I needed to be transferred to the XXXX Relations department. When I asked for a direct callback number in case the call dropped, she said there wasnt one. I also asked for her employee ID number, which she refused to provide. Before transferring the call, she disconnected the line, and I was never able to complete the verification process or resolve my dispute. 

To date, the outdated personal information remains on my credit report, despite my efforts to correct it through appropriate channels and documentation. I am requesting that TransUnion remove the inaccurate information and that the CFPB investigate whether their dispute and verification practices are in compliance with the Fair Credit Reporting Act.

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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a response to complaint XXXX ; however, my issue was not addressed. While I understand how money was owed AFTER the balance was paid in full the mistakes on Capital One part cause negative impact on my credit report and I would like it removed. 

According to Capital One, paper statements were enrolled on XX/XX/XXXX ( the date they closed the account without reason ). 
Additionally, I no longer had access to view my account on the app to know there was a past due balance after I paid it in full. I have no problem paying what I owe ( which I did ) but I do have an issue with the interest and late fees being added over a 5 month period without my knowledge because a paper statement was NEVER received after it was paid in full XX/XX/XXXX. The last correspondence I received from Capital One was the letter stating that Capital One stopped my automatic payments due to balance paid in full. Once I became aware of the balance in XX/XX/XXXX, I immediately called Capital One and paid the maximum amount allowed, which should have caused an over payment. To date, Capital One has made no attempt to refund the negative balance nor have I received any correspondence showing the negative balance or a letter stating the balance is paid in full. 
Back to the original issue when I paid my account in full XX/XX/XXXX, if I was setup on automatic payments through Capital One AND money was still owed, why did they cancel the automatic payments and send correspondence stating the automatic payments were canceled. If they never canceled the automatic payment then none of this would have happened. I am not asking for all the interest and fees to be returned since I understand the terms of my agreement; however, 5 months worth of interest and late fees with NEVER receiving a statement is excessive for an account that was paid in full. This is something that could have been avoided if Capital One didnt remove the automatic payments. 

If this can not be resolved and the negative points removed from my credit report then I will escalate this to an XXXX XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed this company multiple times advising the credit agencies that this account does not belong to me and they are allowing this creditor to continue to report incorrect information to my credit report this account does not belong to me and I have no dealings with this debtor. 
XXXX XXXX XXXX Opened XX/XX/year> XXXX {$130.00} Account number XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NV

Complaint narrative:
I recieve several text messages an calls some before XXXX XXXX. Text accuse me of owe either XXXX XXXX financial or XXXX capital systems maybe even shepard outsourcing. I do not know all three names are in the text messages. I have no loans nor do i owe any money to any of these companies, nor do they list an amout that is said to owed. 

XX/XX/year> at XXXX from XXXX " This text is from Shepherd Outsourcing XXXX XXXX debt collector regarding your XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX XXXX account. Visit XXXX XXXX XXXX Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. SOG Ref # XXXX Reply STOP to opt out. '' XXXX XXXX at XXXX am another text from XXXX '' We have limited time to work with you before we return your XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX XXXX account to our client. See your options at https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out '' XXXX XXXX at XXXX am another text from XXXX If your XXXX XXXX GROUP LLC XXXX XXXX XXXX XXXX for which the current creditor is XXXX XXXX SYSTEMS XXXX XXXX account XXXX XXXX to our client we XXXX not be able to renew these offers. Save up to {$4100.00} in up to XXXX payments when you visit https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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: LEXISNEXIS
State: GA

Complaint narrative:
I am filing this complaint to report that LexisNexis is unlawfully retaining and disseminating identity theft-related information associated with my consumer file, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2 ( Section 605B ). I am a verified victim of identity theft, and I believe my personal data was compromised in both the XXXX  security breach and LexisNexis p

ublic data and risk infrastructure. As a result, fraudulent tradelines have been reported or shared with third parties without my knowledge, authorization, or consent. The following accounts are fraudulent and must be permanently deleted : XXXX XXXX XXXX Account ending in XXXX XXXXXXXX, balance {$1600.00} XXXX XXXX XXXX Account ending in XXXX XXXXXXXX, balance {$1300.00} XXXX XXXX XXXX Account number XXXX, balance {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Account number undisclosed, balance unknown These accounts were not opened by me, and I never authorized their reporting or collection. I have submitted all required documentation as outlined in FCRA 1681c-2, including my FTC Identity Theft Report ( Reference No. XXXX ), government-issued photo ID, proof of current address, and a written statement identifying each fraudulent account. Pursuant to 1681c-2 ( c ), LexisNexis and any party disseminating this data must block identity theft-related items from my file within four ( 4 ) business days of receiving valid documentation. To date, this has not occurred, and the unlawful sharing of this information continues to cause reputational and financial harm. Furthermore, there is no permissible purpose under FCRA 1681b ( a ) ( 2 ) to justify the continued reporting or re-disclosure of these fraudulent accounts. If any of these accounts were previously deleted and reinserted, LexisNexis is also in violation of FCRA 1681i ( a ) ( 5 ) ( B ), which prohibits reinsertion without certification and written notice. I am demanding that LexisNexis ( and any linked credit reporting or risk data systems ) immediately and permanently delete the fraudulent accounts listed above within four ( 4 ) business days, in full compliance with FCRA 1681c-2 ( c ). I further demand written confirmation that none of these accounts will be reinserted unless the requirements of 1681c-2 ( d ) are strictly met. This dispute is submitted in good faith, supported by federal law and complete documentation. If LexisNexis fails to comply, I will escalate this matter to the FTC, IRS Criminal Investigation Division, and pursue all remedies available under FCRA 1681n and 1681o for willful and negligent noncomplianc
e.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I DO NOT RECOGNIZE THE ADDRESS PLEASE REMOVE THANK YOU! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$440.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) # XXXX XX/XX/year> -- {$980.00}

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 explanation
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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AR

Complaint narrative:
I received a message a little over a month ago that said my cashapp account was closed and I was no longer able to sponsor another account. I chatted in immediately trying to figure out what happened and they told me they didn't have that information but they would escalate my concerns to their special service teams they sent me an email to appeal and I filled that out. Over the next XXXX weeks I called chatted in and emailed several more times trying to figure out what was done to lead to this decision. I was told by another rep that my appeal was never filed so we filed it again verbally. Fast forward to today im still trying to figure this out as this is my only checking account and the one I prefer at that. I asked to speak to a XXXX they say they will escalate my case and I file yet another appeal. Up until this point I loved cashapp and referred them to everyone that didn't already have it but the fact that they close your account with no notice with no reasoning other than violated terms of service and that no one who works there can tell you what terms you violated is beyond me.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

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