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

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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.

EQUIFAX EXPERIAN TRANSUNION 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 explanation
Consumer complaint received 2025-05-06 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 filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recieved a letter from synchrony bank stating they would remove the interest charges and they are now refusing to. Ive spoken to several managers regarding this isssue and have been provided no 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 monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a formal dispute against XXXX XXXX for unlawfully re-aging a charged-off account reported to all three credit reporting agencies, as referenced by Equifax Report Confirmation XXXX, Experian Report Number XXXX, and TransUnion File Number XXXX. The account was charged off and closed in XXXX, yet all three credit bureaus continue to show monthly updates through XX/XX/XXXX, with no new consumer activity or repayment agreement in place. This pattern of updating a closed charge-off account constitutes illegal re-aging in violation of FCRA 1681c ( a ) ( 4 ), which prohibits derogatory accounts from being re-aged based on post-charge-off notations. Each bureau shows a charge-off status being updated month after month, which misrepresents the accounts true age and severity. Past due balances are being reported by all credit reporting agencies, at the same time as charge off and profit and loss write off. This is materially misleading and violates FCRA 1681e ( b ), which requires the furnishing of maximally accurate and fair data. Furthermore, under FCRA 1681i ( a ) ( 5 ) ( A ), any information that can not be verified or is reported inaccurately must be deleted. There is no basis for continued monthly updates when the account is closed, charged off, and there is no contractual or financial activity. Accordingly, I formally invoke FCRA 1681i ( a ) ( 8 ) and request expedited deletion of this tradeline from all three credit reports within three business days, as authorized by law. If the information is not removed, I will pursue formal escalation to the FTC, IRS, and other enforcement agencies to address willful noncompliance with federal consumer protection laws.

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

Complaint narrative:
On XXXX XXXX, 2025, I submitted a formal dispute through the CFPB under Complaint No. XXXX regarding three accounts reported by TransUnion : XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically citing my right to receive verification, source documentation, and the method of verification for each account. 

On XXXX XXXX, 2025, TransUnion responded under File Number XXXX, claiming it was unable to process [ my ] request because the nature of the dispute was unclear or the request was illegible. This is factually incorrect. My dispute was submitted electronically through the CFPBs online portal, which ensures all submissions are typed and legible. The dispute clearly listed the disputed accounts, stated why each item was inaccurate or unverifiable, and invoked the specific provisions of the FCRA that apply. 

TransUnion did not conduct a reinvestigation, did not provide any verification results, and did not identify the furnishers or disclose the method of verification. 

This conduct violates several provisions of the FCRA, including : 611 ( a ) ( 1 ) ( A ) : Requiring a reasonable reinvestigation of disputed information ; 611 ( a ) ( 6 ) : Requiring notice of the results of reinvestigation ; 611 ( a ) ( 7 ) : Requiring disclosure of the method of verification upon request.

TransUnions failure to act within the required time frame now obligates deletion of the disputed information under FCRA 611 ( a ) ( 5 ) ( A ).

Accordingly, I am demanding the following : That all three disputed accounts be immediately deleted from my TransUnion credit file ; That TransUnion cease and desist from issuing inaccurate and misleading responses to properly submitted disputes ; That I be sent written confirmation of deletion and an updated credit file within 15 days.

TransUnions response appears to be an attempt to circumvent federal law and constitutes, at minimum, negligent noncompliance under FCRA 1681n and 1681o, for which I reserve the right to pursue further legal and regulatory 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 non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Collection agency name : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Dear XXXX, I recently reviewed a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contact or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information, 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collet, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

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 2025-05-06 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 request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
This situation has been incredibly stressful, and I cant explain how exhausting it is to keep seeing inaccurate, false information reported under my name. Ive worked hard to stay honest and build a better future, but these errors on my credit report are setting me back in a major way. As a consumer, I know I have rights yet it feels like theyre being ignored. My credit applications keep getting denied, and I'm stuck living paycheck to paycheck because of these mistakes.

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 2025-05-05 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: Collection Management Holdings, LLC
State: OH

Complaint narrative:
On XX/XX/year>, I had an open balance of {$940.00}. This balance is not from myself and its negatively impacting my credit score. I reached out to the original creditor, left multiple voice messages and never received any call back. So, this is my next step to get is disputed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Requested loan modification from Shellpoint. Returned the info and paperwork and didnt hear back from them. I assumed they were allowing this called and left messages trying to find out what status was but was unable to get a call back or get someone on phone. When I would call Shellpoint the automated system wouldnt recognize the loan and directed me to online. Their website makes it seem like they are trying to work with you then out suddenly sends you a foreclosure hearing. Mail was dated for the XXXX of XXXX but it didnt even get to my mailbox till last week so it was a week late. The foreclosure date is set for XX/XX/XXXX. Ive listed property for sale. Had I known that this was going to happen I would have tried to sell it sooner. I didnt get any communication from Shellpoint and assumed they were allowing the modification. This is {$1.00} XXXX dollar property where I had to put down {$300000.00} and they are basically pulling it out from underneath me and not even giving me chance to sell to get current on the other properties which means they will try to take those next. Its so frustrating that they can take these properties so easily without any real communication.

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 2025-05-06 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 formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-05-05 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
On XX/XX/year>, I requested to transfer XXXX USD to XXXX XXXX in XXXX won using the Wise app. ( This was a transaction to an account that had previously successfully processed several other transfers without any issues. ) On XX/XX/year>, I was contacted by Wise and informed that the transaction was canceled due to receiving limits at the beneficiary bank. 

On XX/XX/year>, I contacted the receiving bank ( XXXX XXXX XXXX in XXXX XXXX ), and they confirmed there are no receiving limits on my account and that there are no issues with receiving international transfers. 

On XX/XX/year>, I communicated this information to Wise customer support and requested clarification regarding the cancellation reason. However, the support team only mentioned that they would escalate the matter to the relevant department, and I was not provided with a clear explanation for the cancellation. The transaction was forcibly canceled. 

Finally, on XX/XX/year>, I received the refund of XXXX USD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
I am writing to formally request validation of the alleged debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and I am requesting that you provide me with the following information : 1 The amount of the debt : Please provide a detailed explanation of how the debt amount was calculated, including any interest, fees, or other charges. 2 The name of the original creditor : Identify the original creditor and provide any account numbers associated with the debt. 3 Proof of debt ownership : Provide evidence that you are legally authorized to collect this debt and a copy of any agreement showing my liability. 4 Documentation of the debt : Provide a copy of any judgment or signed agreement that establishes the validity of this debt. Additionally, I request that all future communication regarding this matter be made in writing. Please cease any collection activities, including phone calls, until this matter is resolved and the requested information has been provided. If you are unable to validate the debt, I request that you cease all collection efforts and notify all relevant credit reporting agencies to remove any references to this alleged debt from my credit report. This letter is not an acknowledgment of liability or an agreement to pay the alleged debt. It is a request for verification and proof of the legitimacy of the debt as required by law. Please respond to this request within 30 days of receipt of this letter. I look forward to your prompt and complete reply. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX XXXX XXXX, I recently reviewed a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contact or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information, 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collet, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: ND

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES. IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-05 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:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation, I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Please provide me an updated credit report after you have completed your investigation and corrections. 

XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief