vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
This letter serves as my formal dispute of inaccurate late-payment reporting under 15 U.S.C.

1681i ( a ) ( 1 ) ( A ). Please reinvestigate and correct the following : XXXX. XXXX ( XXXX XXXX / XXXX ) falsely reported 30 days late ( XX/XX/year> ). 
XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) incorrectly reported multiple 30-day lates between XXXX. 
These inaccuracies violate the FCRAs accuracy standards ( 1681e ( b ) ). Please investigate with the furnishers and update both accounts to show a current status of Paid as Agreed / Never Late.

Please confirm results in writing. Ive enclosed proof of identity and current address as required.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable anxiety and disrupting my peace of mind. I respectfully request an immediate correction to maintain the accuracy of my account records.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I bank with PNC and have had overdrafts in the past but I am trying to do better and get back on track. 

Several charges hit me on Monday XX/XX/XXXX and XX/XX/XXXX from days past that didnt show up right away, causing me to overdraw by - {$300.00}. It said I was still in extra time where I could bring my balance to {$0.00} and not be charged a fee. So I did. I transferred {$300.00}, bringing me to 0. Then I was charged a {$15.00} recurring debit card fee. I immediately contacted that company and they instantly refunded it. Again, I was at XXXX. Later in the day - I had another {$6.00} recurring debit card charged. I was now about {$6.00} overdrawn but I thought to myself- I know I have a {$37.00} deposit coming in over night that would bring me positive. 
I wake up this morning and I am somehow - {$55.00}. 2 overdraft fees were charged, despite me bringing my balance back {$30.00} positive. They charged me TWO overdraft fees, I presume one from Monday and one from Tuesday. PNC tells me this morning, when I inquire, that it is because my deposits are pending. Why? So they can charge me these predatory overdraft fees, that is why. Why even claim you have extra time to bring your balance positive when it isnt true? That is a lie you told a consumer. I brought my balance positive in the extra time and was still charged TWO fees.

This is so malicious and predatory. I am now negative when I should be {$30.00} positive. Now, I am in big trouble. This becomes a spiral people can not get out of. PNC bank should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
There are still Fraudulent accounts being reported in my name, the creditors illegally reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( XXXX ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. In XXXX court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I had a series of fraudulent charges from my checking account with Citibank. These charges were made by someone in XXXX between XX/XX/XXXX and XX/XX/year>. The total for the charges is around {$780.00}. 

I was not in XXXX during this time. I did not authorize these changes. I do not know what they were for. 

When I discovered the charges, I immediately reported it to Citibank and I have since tried to resolve the issue with them. 

I have received XXXX notices from Citibank that my request for reimbursement was rejected because my debit card has not been out of your possession and my Debit card and PIN were required to perform the transaction. 

Because Citibank has not reversed the charges despite the very obvious evidence that they were fraudulent, I am requesting your assistance to resolve 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 monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: TN

Complaint narrative:
The Illinois Department of Human Services has reported an alleged {$400.00} debt to credit bureaus without proper documentation. I have not received public assistance from Illinois DHS in over 35 years. They are claiming a SNAP overpayment from XXXX and asserting that there is no statute of limitations, which contradicts 89 Ill. Admin. Code 165.40 ( a ). DHS has failed to provide any written notice or validation despite multiple contacts and emails. This invalid debt is negatively impacting my credit. 

DHS called me on my cell phone, then immediately told me I had to call another phone number, who informed me I had to call a different phone number, who put me right back at the collections voicemail which I initially got before I sent the attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am an XXXX XXXX XXXX stationed in Louisiana and have a Navy Federal Credit Union credit card XXXX Louisiana is a Key Provision state with state specific Servicemember 's Civil Relief Act ( SCRA ) protections. Per Louisiana Statute 29:312, no interest should be collected above 6 % during my time on XXXX XXXX, which began in XXXX. Additionally, my interest rate should be capped at no higher than 6 %. Here is a link to the Louisiana key provision statute : XXXX XXXX XXXX XXXX XXXXXXXX - Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 

XXXX XXXX order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
Lakeview loan servicing, services my mortgage I reached out to them because I noticed that my home equity increased in value meaning that my PMI could have increased. I was told that my PMI increased but unfortunately couldnt be removed or reviewed until after 11 years of having the property. I also was told that having an FHA loan doesnt allow removal of PMI.

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 2025-10-29 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Paid for XXXX food from a restaurant through their mobile order service. Right after I placed my order, they called me and told me that the items I had purchased are unavailable. At that point, I told then I didn't want anything else and they said they would refund me. The restaurant never did so I disputed the charge. At that point capital one chose to investigate and come to the decision that I was somehow in the wrong and denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
We acquired this property 5 years ago. We have always been paying the mortgage on time, insurance for a whole year, and taxes are paid on time. However, in XXXX, the lender sold the mortgage to another company, and that is how, at the end of XX/XX/year>, we noticed that the amount on the mortgage bill changed from {$770.00} to the current amount of {$1300.00} because the new lender company installed an escrow account on our bill of {$520.00} without a written notice. Plus, this is a big error from the lender company since all taxes and property insurance are paid on time, and there is no due balance. On XX/XX/year>, I called CMG Mortgage, and they told me that this extra charge included in the bill was an error, and the new bill in XXXX will be without the escrow account. CMG said that they will reimburse the {$520.00}, but I checked the new bill due on XX/XX/XXXX, and this still shows {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the incorrect late payment notations on my accounts are in breach of 15 USC 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both improper 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 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A.
State: LA

Complaint narrative:
( XXXX ) All contracts or agreements, including promissory notes used in sale of lots for filings made with the XXXX pursuant to XXXX, must contain the language set forth in section XXXX of the appendix to this part : Notice of Revocation Rights in boldface type ( which must be distinguished from the type used for the rest of the contract ) on the face or signature page above all signatures : ( 2 ) If the purchaser is entitled to a longer revocation period by operation of State law or the Act, that period becomes the Federal revocation period and the contract or agreement must reflect the longer period, rather than the seven days. The language shall be consistent with that shown on the Cover Page ( see 1010.558 ).

( b ) The above revocation provisions may not be limited or qualified in the contract or other document by requiring a specific type of notice or by requiring that notice be given at a specified place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-10-29 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: IA

Complaint narrative:
I checked my latest credit report and there accounts that I do not recall .these accounts are harming my report and I have the right to remove 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