vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My account with EXPERIAN 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 XXXX  days before the payment due date. 


EXPERIAN 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 2025-05-14 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 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:
My former best friend who now moved back to XXXX XXXX used my information in the past without my approval to open accounts in my name. 
These are not accounts that are mine, I didn't open them. I would like to have these removed from my file since they are not my accounts. Please help me with these fraudulent accounts.

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
XX/XX/year> {$500.00} Was given the wrong phone to transfer money through Zelle I have tried to contact the person, but no response. Went to the bank and they did a investigation and my claim was denied through the bank, because of no wrong doing of information. The bank said the go through consumerfinance.gov to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX {$500.00} No original creditor listed, and no verifiable data supporting its accuracy. 

XXXX XXXX Closed with {$1400.00} balance despite {$1300.00} limit, with no recent activity. 

XXXX -closed with {$19000.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to laws 15 U.S.C. 1681n 15 U.S.C. 6802 15 U.S.C. 1681c It is illegal to report anything on my credit report without my permission. Please remove these items. Thank you.

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This company has placed a collection on my credit report without proper validation. This is considered a violation under 12 CFR 1006.34 ( b ) ( 5 ). I have made multiple attempts to resolve this problem directly with this company, but they continue to use false and misleading information to confuse me. I either want them to pay me {$1000.00} per violation or delete this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called Regions Bank on XX/XX/year> for help with my bank account after my debit card got hit with Fraud. The Fraud has been taken care of, but the customer service on the about date walked me through a process and said the upcoming payments would be not come out of my account. This was not true, because she didn't give me the correct information on how to really stop the payments. I called again approximately around the XXXX of XXXX and was informed that it was not taken care of. Again walked through how to fix it through their process form online and filed a complaint with them about the previous date not being fixed the way I was told it would be, so they could do an investigation on why it was not taken care of on XX/XX/year>. I have proof of the emails from the Bank. I now called back today and was informed that I did not choose the correct option again. The girl and should have been told XXXX weeks ago on all of thevsteps I had to go through. My bank account is now XXXX, which will take my entire check to cover the charges. I informed the bank today that it will never stop the incoming payments and fees, because there is no way to stop the payments coming in and being paid, because of the incoming direct deposits into my account. In others words the XXXX will take all my check and then my account will have bills come in and fees may or may not be waved, but then another direct deposit will come in and the failed payment will get ran again. I can't seem to get it fixed. Each time I call, I am told of a different way that should have been done instead of them infoming me of steps to do in the XXXX place. I would like my account fixed.

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 2025-05-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: AP

Complaint narrative:
In XX/XX/year>, Discover bank closed all my savings and checking accounts containing over {$30000.00} which amounted to all my savings and the money I needed to pay rent. They provided no warning or notification despite my being stationed overseas with the military. They also locked me out of my online account which removed any access i had to statements and my ability to pay my credit card. 
They told me that they would mail me checks within 10-15 days, but in fact they took approximately one month to arrive. 

It has now been 4 months and they still have not returned my online access and claim it is a system bug. They have refused to give me any estimate on when I will regain access. I am unable to pay my credit card or verify that the checks mailed to me contained the full balance of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this complaint to address Ally Financials inaccurate and misleading reporting of an account that they no longer service or manage, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

In 2024, I contacted Ally Financial by phone in an effort to resolve and pay off a reported delinquent account appearing on my credit report. During this conversation, I was told that Ally could no longer locate the account in their system, and that it had been sold or transferred to a third-party debt collector. I was advised to contact the external collection agency for resolution. 

Despite Ally 's own admission that they no longer manage, own, or have system access to this account, they continue to report it as open, delinquent, and actively in collections with a balance of {$120.00} and 120 days late payment status. This is both inaccurate and damaging. 

Even if Ally has historical documents ( e.g., the original loan agreement ), they are no longer the servicer or creditor of record. As such, they do not have the legal right to continue reporting a derogatory tradeline as if the account is still under their ownership or control. The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) requires furnishers of credit information to report only accurate, complete, and up-to-date information to the credit bureaus.

( I also reached out to the collection agency " CREDENCE RESOURCE MANAGEMENT '' several times. They are now in " Default '' as they have not responded to any of my notices. ) Further, per Metro 2 reporting standards, once an account is sold or transferred : The balance must be updated to {$0.00} ; The account status must reflect Transferred/Sold to Another Lender ; The tradeline must be closed from the original creditors profile ; And no further delinquency reporting may continue from that original entity.

By continuing to report an account they no longer control, Ally is : Furnishing misleading and outdated information ; Impairing my creditworthiness; And exposing themselves to legal consequences under FCRA 1681s-2 ( b ), 1681n, and 1681o.

I am requesting that the Consumer Financial Protection Bureau review this issue and direct Ally Financial to : Immediately delete the inaccurate tradeline in its entirety ; Cease all reporting of this account under their name ; Provide written confirmation of compliance. 

This inaccurate reporting has resulted in material harm to my financial profile and violates my rights as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TN

Complaint narrative:
b'On XXXX XXXX XXXX, I mailed a certified dispute to TransUnion regarding several unauthorized hard inquiries and an outdated address appearing on my credit report.\n\nThe dispute was delivered and confirmed by USPS tracking #: XXXX XXXX XXXX XXXX XXXX XXXX.\n\nTransUnion failed to respond to my dispute within the 30-day period required by the Fair Credit Reporting Act (FCRA). I received no acknowledgment, no reinvestigation, and no resolution.\n\nThe disputed inquiries include:\n\nXXXX XXXX  XXXX\n\nXXXX  XXXX and XXXX\n\nXXXX XXXX  XXXX  and XXXX\n\nXXXX  XXXX\n\nTransUnions failure to respond violates FCRA  611 (15 U.S.C.  1681i) and  611(a)(6), and they continue to report inaccurate and unvalidated data on my credit file.'

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
On XX/XX/year>, I received an email from Williams & Fudge , Inc. about an alleged balance owed to XXXX XXXXXXXX XXXX XXXX. This was the first time I had ever been contacted about this debt. No supporting documents, agreement, or breakdown of the amount was included. I never received anything by mail either. 

The email implied that if I didnt respond, they would assume the information was accurate. I found this language unsettling, especially since no actual proof of the debt was provided. I also unsubscribed from their emails, which I understand is a formal way of asking them to stop contacting me electronically. 

Im asking for help confirming whether this debt is valid, and that no credit reporting or further collection happens without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I noticed accounts on my credit report with inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-14 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:
Re : Dispute of Collection Account Request for Immediate Deletion Account Number : [ XXXX ] [ XXXX XXXX XXXX ] This letter is a formal notice that I am disputing the validity and accuracy of the above-referenced collection account that appears on my credit report. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g and Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am demanding full validation of this alleged debt, including : 1. A copy of the original signed contract or agreement with the original creditor.

2. A complete payment history showing that I owe this amount.

3. Proof that you are legally authorized to collect this debt in my state.

4. A full chain of assignment showing how and when you obtained this debt. 

Until you provide all of the above, you are in violation of federal law and must immediately : Cease collection efforts Remove this account from all credit reporting agencies ( Experian, XXXX, XXXX XXXX ) Cease reporting any negative information related to this account If you can not validate this debt within 30 days, you are required to delete this account from all credit bureaus and cease all collection activities permanently.

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