vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent inquiries on my credit file that I would like to be removed. I see that some inquiries have been removed, but there are still more that remain. I am requesting that XXXXXXXXXXXX   Equifax,  and TransUnion remove all the fraudulent inquiries from my file that were opened without my permission. Please see the listed inquiries below that require removal. 
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 2025-05-21 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.

Complaint narrative:
I am disputing how my paid XXXX XXXX XXXX loan is being reported by TransUnion and XXXX. The account was paid in full on XX/XX/year>. Despite this, both bureaus continue to report the account as a charge-off with adverse information, even though there is a {$0.00} balance and no ongoing delinquency. 

XXXX  originally updated the record correctly showing the account as paid with no derogatory status but then reverted it back to charge-off status after I canceled a dispute. This reversal occurred even though an XXXX  agent confirmed by phone that the dispute was canceled and that the account was accurately updated. Their action to change it back has negatively impacted my report without justification. 

TransUnion has kept the account listed under Accounts with Adverse Information and shows the status as Account paid in full/ was a charge-off. I escalated this to TransUnion, and they opened XXXX XXXX XXXX, confirming it was reviewed by a supervisor. However, they did not correct the report and failed to remove the derogatory classification, despite the account being paid in full. 

These reports are inaccurate, misleading, and damaging during employment background checks. I request that the XXXX XXXX account be updated to reflect it was paid in full with no derogatory or charge-off remark and removed from the adverse account category.

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 2025-05-21 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.

Complaint narrative:
I am disputing how my paid XXXX XXXX XXXX loan is being reported by XXXX  and Experian. The account was paid in full on XX/XX/year>. Despite this, both bureaus continue to report the account as a charge-off with adverse information, even though there is a {$0.00} balance and no ongoing delinquency. 

Experian originally updated the record correctly showing the account as paid with no derogatory status but then reverted it back to charge-off status after I canceled a dispute. This reversal occurred even though an Experian agent confirmed by phone that the dispute was canceled and that the account was accurately updated. Their action to change it back has negatively impacted my report without justification. 

XXXX  has kept the account listed under Accounts with Adverse Information and shows the status as Account paid in full/ was a charge-off. I escalated this to XXXX, and they opened XXXX XXXX XXXX, confirming it was reviewed by a supervisor. However, they did not correct the report and failed to remove the derogatory classification, despite the account being paid in full. 

These reports are inaccurate, misleading, and damaging during employment background checks. I request that the XXXX XXXX account be updated to reflect it was paid in full with no derogatory or charge-off remark and removed from the adverse account category.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-21 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy of the tradeline being reported by Tower Loan on my credit report. 

The account was sold or transferred to a collection law firm XXXX XXXX XXXX XXXX XXXX XXXX ), yet Tower Loan is still reporting a balance as if they own the debt. 

Under the Fair Credit Reporting Act ( FCRA ), information must be accurate and current. A charged-off or sold account must show a {$0.00} balance and indicate the transfer. 

Please investigate and update the account to reflect the correct status, or remove the tradeline entirely if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/year> I attempted to transfer {$500.00} from my USAA checking account to an investment account. In doing so I inadvertently selected a different account that was available on the drop down list. The account turned out to be one that I had long ago and that had been closed but was still available on the list of potential places to transfer money to and from.

When I realized what had happened I immediately called the transaction dispute office of USAA. I was told that this would be resolved but had to go through the process. At that time the woman with whom I was speaking removed the account and one other legacy account from my list of transfer accounts so that the problem could not happen again. 

On XXXX XX/XX/year> I received a letter saying that USAA determined that no error occurred and that I should contact the recipient for refund or correction. 

On XXXX XXXX I called USAA dispute resolution and again explained the situation to them but was told that I could not be told who owned the account and that the bank could do nothing. 

On the XXXX XXXX call I was reassured that the account was XXXX of mine that had been closed long ago ( as I remember it too ). There were, in fact, XXXX accounts listed in the transfer window. XXXX was a checking listed as XXXX XXXX and the other was a savings listed as DDA [ and number I do not recall ]. Both of these were removed from my transfer window so I can not provide proof of that. 

Now XXXX being told that the account belongs to someone else and I only added it to my list of transfers. 

I know XXXX other people who have USAA accounts. XXXX are my sons and XXXX is my step son. I have contacted all three and verified that their account numbers do not match the one to which I transferred {$500.00}. 

The bank has washed their hands of the incident saying that it is up to me to find out where the money went and to recover it. To the best of my knowledge and memory the account is a legacy XXXX of mine and no longer exists and, therefore, the money can not be recovered. 

No one has contacted me to say that they received {$500.00} from me.

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 2025-05-21 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 non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-21 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have filled numerous forms, reports, request an still no one is responding

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 2025-05-21 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: WI

Complaint narrative:
Transunion credit reporting companies has refused to remove companies that doesn't belong l have disputed these companies for years these accounts once was removed then reattached. Transunion has noticed l have made payments on all other the other creditors. Due to these companies name XXXX XXXX, XXXX XXXX XXXX  which these companies information doesn't match mine.. Only information they have recover came from. Credit reporting companies. Transunion companies is in court which l am also XXXX of the people who are constantly complaining about inaccurate information. Which XXXX XXXX XXXX XXXX  sent me a printout payments showing owed. No payments shownin paid XXXX XXXX XXXX identified doesn't match any my information why these accounts still found l have got police report whom also contacted the companies instead remove these companies still remain on my credit 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 2025-05-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
XXXXm writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

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 2025-05-21 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: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lela Mae Portfolio Management Group
State: CA

Complaint narrative:
Due to the death of my Grandmother, I have gotten into a lot of financial debt, which led to this predatory collector. 
I took accountability for the debt and set up a payment arrangement. When my first payment did not go through, I was bombarded with a sleu of calls last Wednesday, totaling at least 10.

I have 7 voicemails saved from this date ( XX/XX/year> ). I also received emails and explained that I am working and can not keep getting interrupted. I told them they were in violation of FDCPA, and they sent me a condescending email basically saying if you would answer we wouldnt have to call. I then set up another payment for todays date ( XX/XX/year> ) and they said it didnt go through. I emailed once again, and stated I could not login to my account. The rep XXXX stated I couldnt not login because I used my XXXX birth year vs. XXXX. I then followed the advice and was not able to login with XXXX birth year. I sent an email with a. Screen shot to prove it didnt work. I asked to cancel any purported payment arrangement and asked for a hard copy bill to be sent to my home address. 
I am now submitting this to you because they are predatory. Yes, I do own the debt, and have tried to take responsibility. 
My primary concern is the incessant calls, some within less than 10 mins from each other.

I have an email trail and screen shots with their voicemails to time stamp the date and times. 

Thank you kindly in advance, 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 2025-05-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief