vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: GA

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 explanation
Consumer complaint received 2025-11-12 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the EquifaxXXXX XXXX XXXX XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My bank account has not officially closed, but I can not access the funds in the account, a total of {$16000.00}. I was a victim of a scam and have evidence, including emails and texts, and I also filed a police report. Despite this, the banks fraud department told me they could not release my funds. They said I could make a request to get my funds back, but the request might take five days and could even be denied. I explained to them that I do not have money to eat, I have a baby with me, and my husband works but we still have no money. They said they could not help me. If my request is denied, I would have to wait until after the account closing date, XX/XX/XXXX, to receive a check by mail. I contacted the bank multiple times on Monday, XX/XX/XXXX ( including an in-person visit ), Tuesday, XX/XX/XXXX, and Wednesday, XX/XX/XXXX, including the claims department. I need access to my money immediately and have not received any solution from the bank.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has failed to respond to my previous CFPB complaint ( Case # XXXX ) and has not provided any valid documentation verifying that the auto loan account ending in XXXX legally belongs to me. 

The contract they previously submitted contains a misspelled version of my legal name ( XXXX instead of XXXX XXXX ), which does not match my government-issued identification or Social Security record . Because of this, the account can not be legally tied to me and should not appear on my credit report. 

Despite submitting proof of my correct identity, address, and Social Security verification to both XXXX  and XXXX XXXX XXXX, the inaccurate account continues to be reported. XXXX XXXX XXXX has not provided a valid or timely response to the CFPB within the required timeframe, violating their responsibility to cooperate with consumer investigations. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611 ( a ) ( 5 ), consumer reporting agencies and furnishers must ensure maximum possible accuracy and delete unverifiable or inaccurate information. 

I am requesting that the CFPB take enforcement action due to XXXX XXXX XXXX non-response and require immediate deletion of this unverifiable account from my XXXX  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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Complaint Summary : PayPal has incorrectly sent a fraudulent charge to collections under my name, despite my timely reports and confirmation from a PayPal representative that the issue would be resolved. 

Details : On XX/XX/2025, I contacted PayPal immediately after noticing unauthorized transactions on my account. The representative I spoke with acknowledged the issue and assured me that the charges would be removed after an investigation. 

When the issue remained unresolved, I contacted PayPal again on XX/XX/2025. During that call, I was told the remaining balance was due to a duplicate refund. I made it clear to the representative that the disputed funds were never sent to any account belonging to me, and the representative confirmed it would be sent for further investigation. 

Despite these assurances, PayPal only credited {$51.00} of the fraudulent amount, leaving my account showing a negative balance of {$93.00}. PayPal has since sent this unresolved debt to collections under my name. To date, the debt remains active and has not been removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

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 2025-11-12 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: Lendmark Financial Services
State: TX

Complaint narrative:
Summary : Lendmark Financial Services ( and its assignee XXXX XXXX XXXX ) obtained and reported my consumer credit information without my written authorization or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Details : On reviewing my credit report, I found a tradeline reported by Lendmark Financial Services as a charge-off / sold to XXXX XXXX XXXX XXXX I have never applied for or authorized any account, loan, or inquiry with Lendmark. There is no written agreement or consent from me allowing them to obtain or furnish my consumer credit information. 

On XX/XX/year>, I mailed a formal dispute letter directly to Lendmark Financial Services, citing violations of 15 U.S.C. 1681b for unauthorized furnishing and requesting immediate deletion of the tradeline and all related data. A copy of that letter is attached for reference. 

This unauthorized tradeline is inaccurate and has caused negative credit reporting without lawful justification. I am requesting that Lendmark cease all data furnishing, verify the alleged account with proper documentation, and confirm in writing that the tradeline has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
This complaint concerns inaccurate and immaterial credit reporting that violates the Fair Credit Reporting Act ( FCRA ) and Regulation V. Both XXXX XXXX XXXX and XXXX XXXX are being reported inconsistently and misleadingly across the national consumer reporting agencies. 

XXXX appears on all three reports showing a charged-off or past-due balance, despite the account being closed and non-collectible. XXXX XXXX , however, appears only on TransUnion and Experian it has already been excluded from Equifax, demonstrating that at least one bureau has properly recognized it as immaterial under 607 ( b ) and 12 CFR 1022.42. 

The continued publication of small, charged-off, non-collectible debts as past due misrepresents my creditworthiness and fails the accuracy, completeness, and relevance standards mandated by the FCRA. These items no longer serve any permissible purpose under 604 and are materially misleading to potential lenders. 

I am requesting CFPB intervention to require the deletion of these tradelines across all bureaus for full compliance with federal reporting law and to ensure consistent and non-deceptive 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 non-monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
Debt collector : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I am written that this law has been violated. 
1692c. Communication in connection with debt collection This section restricts when, how, and with whom a debt collector may communicate about a debt.

( a ) Communication with the consumer A debt collector may not communicate with a consumer : At any unusual time or place, or at a time or place known to be inconvenient to the consumer. 

Generally, this means no calls before XXXX a.m. or after XXXX p.m. local time. 

If the collector knows the consumer is represented by an attorney, the collector must communicate only with the attorney ( unless the attorney fails to respond or gives permission ). 

At the consumers place of employment if the collector knows the employer prohibits such communication. 

( b ) Communication with third parties Debt collectors generally can not communicate with anyone other than : The consumer, Their attorney, The creditor, The creditors attorney, or A consumer reporting agency ( like Equifax, Experian, or TransUnion ). 

The only exception : a debt collector may contact others solely to get location information about the consumer, and even then, strict rules apply. 

( c ) Ceasing communication If the consumer notifies the debt collector in writing that : They refuse to pay the debt, or They want the collector to stop contacting them then the collector must stop all communication, except to : Confirm they will stop, Notify of specific legal actions ( like filing a lawsuit ). 

( d ) Definitions The term consumer includes the person obligated to pay the debt and the persons spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Experian received my letter on XX/XX/year>, but never mailed a written response explaining how the debt was verified or what documentation was used. Instead, they converted my written verification request into a dispute, and only emailed me generic dispute results on XX/XX/year>, without disclosing the method, date, or source of verification. 

This fails to comply with the FCRAs requirement to provide the consumer with the specific method of verification when requested. I am requesting the full verification details or removal of the XXXX account from my Experian 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 2025-11-12 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: TX

Complaint narrative:
I am formally requesting an immediate reinvestigation of inaccurate and unverified information that continues to appear on my credit report. Despite previous disputes and sufficient time for investigation, the account in question remains incorrectly reported. The data reflected on my file is inconsistent and unverifiable under the Fair Credit Reporting Act ( FCRA ). The reporting company failed to provide proof of complete verification or original documentation to support the accuracy of the account. 

These errors have negatively affected my credit score and overall financial standing. I have already taken appropriate steps to resolve the matter directly with the furnisher, but no valid verification has been provided. Therefore, the continued reporting of this information constitutes a violation of my consumer rights under FCRA Sections 609 and 611.

I am requesting that the bureau reinvestigate this matter promptly and delete any unverifiable or inaccurate information from my credit file to ensure it reflects only verified, accurate, and up-to-date data.

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 2025-11-12 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: DC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief