vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
My XXXX  credit card payment came due for XXXX on XX/XX/XXXX. I paid the amount due via the portal online. XX/XX/XXXX is a Sunday, so the payment posted on Monday. The card company charged me a {$41.00} late fee on XX/XX/XXXX, even though I in actuality made the payment on XX/XX/XXXX. Their explanation was that because the payment was made after XXXX it is considered late since it won't post until Monday. I asked how is it you can post a late fee on XX/XX/XXXX but you can't recognize a payment being paid that day? 

I experienced a similar incident with XXXX XXXX a couple of years ago and they refunded the late charge fee based on the exact same conditions that I have just explained. If the bank doesn't process a payment until Monday, that should not be the consumer 's problem, or penalty. My responsibility is to pay on the date indicated on my bill, and I did that. XXXX  would not reverse the late fee. I closed the account today. 

I work in the finance industry also, and I know that this practice is likely affecting millions of consumers. It is an unlawful practice, benefitting the company greatly financially. 

It is my hope that you will investigate this issue on my behalf and on the behalf of so many others who have been affected by their proposed late fees. If a payment is due on a weekend day, and a consumer pays the amount due on that day, regardless of the time, it should be considered an on-time payment. 

Thank you in advance for taking a look into 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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF 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 explanation
Consumer complaint received 2025-06-09 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: OR

Complaint narrative:
complaint XXXX TransUnion for XXXX to Remove Fraudulent Information in Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) I am filing this complaint against TransUnion for failing to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which governs the treatment of identity theft-related information on consumer credit reports.

I am a victim of identity theft and have discovered that two fraudulent accounts is being reported on my TransUnion credit file. I have never applied for the credit product in question, and I followed the correct procedures under federal law to request that this inaccurate information be blocked and permanently removed. 

On XX/XX/year>, I submitted all required documentation to TransUnion, including : A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my government-issued ID A signed written statement identifying the fraudulent account and affirming it is not associated with any transaction I authorized Despite receiving this information, TransUnion continues to report the fraudulent account. This is a direct violation of 15 U.S.C. 1681c2, which clearly requires a consumer reporting agency to block the reporting of such information within four business days of receiving the proper documentation. Their failure to comply has caused me significant harm, including damage to my creditworthiness, stress, and financial limitations. 

I am requesting that the CFPB intervene immediately and compel TransUnion to comply with federal law by permanently removing ( blocking ) the fraudulent account from my credit file. I am also asking that TransUnion be held accountable for this ongoing noncompliance and the harm it has caused me. 

Thank you for your assistance in helping to protect consumers from unlawful credit reporting practices.

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 2025-06-09 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:
I am writing to follow up on my previous dispute letter regarding inaccurate, unverifiable, and potentially fraudulent accounts still being reported on my credit file. Despite my formal request for reinvestigation and correction, I have yet to receive a complete or satisfactory response outlining the verification procedures used or documentation obtained to substantiate these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I am writing to follow up on my previous dispute letter regarding inaccurate, unverifiable, and potentially fraudulent accounts still being reported on my credit file. Despite my formal request for reinvestigation and correction, I have yet to receive a complete or satisfactory response outlining the verification procedures used or documentation obtained to substantiate these 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 non-monetary relief
Consumer complaint received 2025-06-09 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:
XXXX XXXX XXXX XX/XX/XXXX - {$12000.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$26000.00} XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX - XX/XX/XXXX - {$14.00} XXXX OF XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5400.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$1200.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$6200.00} XXXX XXXX XX/XX/XXXX - {$0.00XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2900.00} MONEYLION - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX - {$12000.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$26000.00} XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX - XX/XX/XXXX - {$14.00} XXXX OF XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5400.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$1200.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$6200.00} XXXX XXXX XX/XX/XXXX - {$0.00XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2900.00} MONEYLION - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I previously disputed an inaccurate collection account from Midland Credit Management ( Account # XXXX ) that was appearing on my Experian credit report. In my formal dispute letter dated XX/XX/XXXX, I challenged the accounts accuracy, including reporting errors and inconsistencies. The credit bureau and Midland Credit Management marked the account as " verified, '' but also updated unrelated information, which suggests the prior reporting was inaccurate. Specifically, the account term is listed as 1 month on my Experian credit report, but it has been reporting for over a year ( from XXXX through XXXX ). This is false and violates the Fair Credit Reporting Acts requirement to report only complete and accurate information ( 15 U.S.C. 1681s-2 ( b ) ). I have attached screenshots showing the term inconsistency, as well as the formal dispute letter I sent. I am requesting that this inaccurate account be removed entirely from my credit report. I have already given the furnisher and the credit bureau a chance to correct the error, but the term is still being reported incorrectly. The ongoing inaccuracy is harming my creditworthiness and is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : Disputed Account 1 : - Account Name : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Disputed Account 2 : - Account Name : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  Disputed Account 3 : -Account Name : XXXX XXXX XXXXAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX Disputed Account 4 : -Account Name : XXXX -Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Disputed Account 5 : -Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.

Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation.

Sincerely, 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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
requesting 1099c that was filed with IRS from XXXX XXXX for " CHARGED OFF '' ACCOUNT # XXXX According to the IRS manual charged off account are required to ha

ve 1099c filed due to the account being reported to the IRS as INCOME.

The 1099c form was never received from XXXX for this 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 2025-06-09 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: CO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Against Credit Collection Services ( CCS ) Dear CFPB, I am filing this complaint to report unfair, deceptive, and potentially unlawful behavior by Credit Collection Services ( CCS ) in their attempt to collect a debt allegedly purchased from XXXX. 

* * Issues Involved : * * * * # 1. Unverified Debt : * * CCS began contacting me via phone and email about this debt. I formally requested proof and validation of the debt, but they have failed to provide any legal documentation or verification showing that I owe this debt or that they are authorized to collect it. 

* * # 2. Harassment : * * Despite not validating the debt, CCS has continued to contact me repeatedly by phone and email. Their communication is unwanted and distressing, and I consider it harassment. 

* * # 3. Inaccurate and Harmful Credit Reporting : * * CCS has reported this debt to the credit bureaus, damaging my credit profile. This reporting occurred without proper validation of the debt and without giving me a fair opportunity to dispute or resolve the matter. This has negatively impacted my creditworthiness and financial standing. 

* * # 4. Failure to Comply with FDCPA and FCRA : * * Their actions may violate both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by failing to verify the debt and continuing collection and reporting activity.

* * Resolution Requested : * * - Immediate removal of all negative entries related to this debt from my credit reports with all major credit bureaus ( XXXX XXXX, and XXXX  ). 
- A written confirmation that CCS has ceased all collection activity related to this account.

- A full investigation by CFPB into CCS 's conduct and enforcement of any applicable penalties.

I appreciate the Bureau 's attention to this matter and request prompt resolution. Attached are any available documents supporting my case. I can provide more details upon request. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: PA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter to Equifax to have them discharge a disput for child support I gave them all the legal paperwork and documentation to show that this is not legal I also let them know the ramifications of not discharging this illegal debt I am willing to move forward with legal process if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This complaint is regarding a dispute with Care Credit XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX program. I had initially used the program in XXXX during the pandemic. I needed help paying my bills in the process I lost my business. I didn't realize the program was still added fees to my account until recently. On XX/XX/XXXX I contacted Care Credit XXXX Synchrony Bank to dispute a Card Security Debt Cancelation program. I spoke to XXXX in Customer Care with no results, I asked that a supervisor call me. On XX/XX/XXXX supervisor XXXX called me she would be filing a dispute for the additional fees I had been charged since XXXX, approximately {$7000.00} +. I received a letter regarding my dispute dated XX/XX/XXXX ( I have attached the letter ) I still have not received a credit. I have called on XX/XX/XXXX & XX/XX/XXXX, both times they have told me that there isn't anything in my file that references the credit. I continue to make my payments but I do need help with this issue. I can forward the actual letter to you via email or fax. 

Thank you, 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 explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from 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 explanation
Consumer complaint received 2025-06-09 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation