vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding a previously charged-off account held with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account number XXXXXXXX XXXX XXXX XXXX XXXX that has been removed from all three major credit reporting agencies ( Experian, Equifax, and TransUnion ) XXXX 

I received a recent notification suggesting that this account may have been flagged or internally labeled again. However, upon reviewing all three credit reports, this account is not currently appearing under either open, closed, or derogatory sections. Therefore, I am seeking clarification and requesting your formal compliance with FCRA and Metro 2 data reporting requirements before any further action is taken.

Applicable Laws and Standards Per the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) : If an account previously removed from a credit file is to be reinserted, it must be : 1. Reinvestigated, 2. Certified as accurate, and 3. The consume
r must be notified in writing within 5 business days of reinsertion.

Additionally, Metro 2 Credit Reporting Guidelines require : Deleted data not to be re-reported unless it has been verified and updated using the correct Compliance Condition Codes and supporting documentation. 
Data furnishers to ensure any derogatory data reinserted has undergone a new reinvestigation and meets the current standards for accuracy and completeness.

My Request I am formally requesting the following : 1. Confirmation of whether this account is still present in your internal records and whether it is scheduled to be re-reported.

2. If so, a copy of the reinvestigation results and documentation used to support any potential re-reporting.

3. Assurance that any reinsertion will comply with FCRA 611 and Metro 2 compliance standards.

4. Immediate written notice if the account is re-reported to any credit bureau.

This request is made to ensure full compliance with federal law and to document the status of this account. If this matter is not resolved in accordance with the FCRA, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory bodies. 

Thank you for your attention. I look forward to your written response confirming the status of this account and the steps you will take to remain in compliance. 

Sincerely, 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding a previously charged-off account held with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account number XXXXXXXX XXXX XXXX XXXX XXXX that has been removed from all three major credit reporting agencies ( Experian, Equifax, and TransUnion ) XXXX 

I received a recent notification suggesting that this account may have been flagged or internally labeled again. However, upon reviewing all three credit reports, this account is not currently appearing under either open, closed, or derogatory sections. Therefore, I am seeking clarification and requesting your formal compliance with FCRA and Metro 2 data reporting requirements before any further action is taken.

Applicable Laws and Standards Per the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) : If an account previously removed from a credit file is to be reinserted, it must be : 1. Reinvestigated, 2. Certified as accurate, and 3. The consume
r must be notified in writing within 5 business days of reinsertion.

Additionally, Metro 2 Credit Reporting Guidelines require : Deleted data not to be re-reported unless it has been verified and updated using the correct Compliance Condition Codes and supporting documentation. 
Data furnishers to ensure any derogatory data reinserted has undergone a new reinvestigation and meets the current standards for accuracy and completeness.

My Request I am formally requesting the following : 1. Confirmation of whether this account is still present in your internal records and whether it is scheduled to be re-reported.

2. If so, a copy of the reinvestigation results and documentation used to support any potential re-reporting.

3. Assurance that any reinsertion will comply with FCRA 611 and Metro 2 compliance standards.

4. Immediate written notice if the account is re-reported to any credit bureau.

This request is made to ensure full compliance with federal law and to document the status of this account. If this matter is not resolved in accordance with the FCRA, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory bodies. 

Thank you for your attention. I look forward to your written response confirming the status of this account and the steps you will take to remain in compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: TN

Complaint narrative:
This Credit Card company is not reporting my XX/XX/year> balance to Credit Bureaus in a timely manner. They are still reporting and showing XX/XX/year>. I have a XXXX balance on this statement and it is no reflecting on time. My credit score is not being updated to show positive activity on the credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NM

Complaint narrative:
All of the delinquencies reported on my credit submitted by XXXX have still not been removed. I should not have any of them as the mistakes from XXXX are not my fault. I could not even register with them to make payments because their website doesnt work and as soon as I was able to get registered I did, and paid off any balance. I still have yet to have them help me with a payment plan option as it is and has been impossible to get anyone on the phone. Then recently they reported late payments that are not even late. They arent due until XX/XX/XXXX and I even paid those. I am applying to medical school and working XXXX jobs, this is horrific and I already struggle to cover the cost of applying to medical school. This is my previous complaint about this : I just recently paid off any balance on my student loans in XXXX after this whole mess with the government coming after borrowers. I couldnt even register for an account before the deadline because the website never works and because if you try and call, youre on hold for hours every time. I just got a new notification about some of my loans being reported for late payments. It says I am late for a payment from XXXX and/or XXXX of this year on these accounts. I just paid anything late off and the only balance now showing in my loans is not due until the XXXX of this month. So, nothing should be late. I went and paid this balance now just in case, but this is illegal. They reported late payments that I have already paid and reported payments that are not even due yet, so not late. This is ridiculous. They have already devastated my credit report and made it harder for me to pay other bills because they keep reporting more and demanding more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NM

Complaint narrative:
All of the delinquencies reported on my credit submitted by XXXX have still not been removed. I should not have any of them as the mistakes from XXXX are not my fault. I could not even register with them to make payments because their website doesnt work and as soon as I was able to get registered I did, and paid off any balance. I still have yet to have them help me with a payment plan option as it is and has been impossible to get anyone on the phone. Then recently they reported late payments that are not even late. They arent due until XX/XX/XXXX and I even paid those. I am applying to medical school and working XXXX jobs, this is horrific and I already struggle to cover the cost of applying to medical school. This is my previous complaint about this : I just recently paid off any balance on my student loans in XXXX after this whole mess with the government coming after borrowers. I couldnt even register for an account before the deadline because the website never works and because if you try and call, youre on hold for hours every time. I just got a new notification about some of my loans being reported for late payments. It says I am late for a payment from XXXX and/or XXXX of this year on these accounts. I just paid anything late off and the only balance now showing in my loans is not due until the XXXX of this month. So, nothing should be late. I went and paid this balance now just in case, but this is illegal. They reported late payments that I have already paid and reported payments that are not even due yet, so not late. This is ridiculous. They have already devastated my credit report and made it harder for me to pay other bills because they keep reporting more and demanding more money.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank Reversed A Check That Was Paid Out To Me. I want to sue them for XXXX discrimination. My civil rights was violated and I was treated like an animal.

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no recollection of any business transaction with either " XXXX XXXX XXXX ". Currently this organization is reporting a delinquency with the balance of {$2200.00} with major credit reporting agencies including Transunion. After my own investigation I confirmed with the Florida XXXX of XXXX that at neither " company " has a valid and current corporate status. In fact, the company is acting in bad faith and will be reported to the BBB, XXXX, AND IRS. Now that I am aware of this tradeline unlawfully reporting on my consumer report. I would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies.Any information used to create this tradeline on my credit report and tax documentation filed for cancellation of debt from original creditor. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this tradeline on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant XXXX USC XXXX Aggravated identity theft. ( See United States *. * * *, XXXX XXXX XXXX, XXXX ) " Pursuant to XXXX U.S.C XXXX XXXX ( a ) ( XXXX ), a person is guilty of aggravated identity theft if, in relation to any crime listed in XXXX ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used XXXX separate forms of identification without my consent. Then you committed aggravated identity theft under XXXX USC XXXX. Transunion has removed the account over XXXX  times within the past year from collection attempt from XXXX XXXX XXXX! I'm disturbed with the credit reporting debt collection tatics and I need help... If you delete this tradeline and provide payment for {$2200.00} tradeline, I will drop my claim against the companies.

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 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account being reported by National Credit Systems on my XXXX  credit report for the amount of {$860.00}. This account is invalid, as it is related to a court case that was officially dismissed. 

I have attached court documents and information showing that the case was dismissed on XX/XX/year> for an holdover during the XXXX pandemic. Despite this, National Credit Systems continues to report this collection account and claims I owe court fees and related charges for non payment of rent, which is legally inaccurate. 

I previously disputed this account with both the collection agency and XXXX. In my disputes, I included copies of my court dismissal documents. However, both parties denied my dispute. XXXX  stated they validated the account, but their validation process did not appear to consider the court documentation I submitted. 

Under the Fair Credit Reporting Act ( XXXX  ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information. Validating an account solely by matching my name without reviewing my provided legal evidence is not a reasonable investigation. Additionally, the continued collection activity by National Credit Systems may violate the Fair Debt Collection Practices Act ( XXXX  ) as they are attempting to collect a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

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 2025-06-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unisa, Inc
State: OH

Complaint narrative:
I am submitting this complaint because I do not believe I owe the XXXX XXXX system or UNISA any money for my studies. I contacted the XXXX XXXX department, and they claimed I owed them money for a loan. I informed them that I never took out a loan and paid out of pocket. I also requested proof that I signed a loan contract with them, but they could not provide any. Therefore, I am disputing this debt and request that it be dismissed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/year>, I received an email from Citi Bank stating that my checking account had been closed. I was not given any prior notice, and since then, I have made multiple attempts to contact Citi Bank to understand the reason for the account closure. Despite repeated efforts, they have refused to provide any explanation or details. 

I was informed that I would have to wait 60 days for the account to officially close and that I would then receive a check with the remaining balance. In the meantime, a paycheck was deposited into the account, and Citi is currently withholding those funds. I have requested that they release the funds back to my employer so that I can be issued a live check instead. Citi has refused to accommodate this request. 

As a result, I am being denied access to my own earned income, and there is no transparency or justification provided for the closure or the hold on my funds.

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 2025-06-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I made buyout option on some wheels with Acima Leasing come to check my back account they charged me again for rent dew to delayed payment on theyre behalf so instead of paying XXXX plus taxes they charged me XXXX plus another month of rent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing this complaint regarding the loss of a flight credit tied to a booking made through the Chase XXXX  portal using my Chase credit card. The flight was booked on XX/XX/XXXX, with XXXX XXXX under confirmation number XXXX, and the Chase XXXX XXXX XXXX is XXXX. The total cost of the booking was {$970.00}. 

I canceled the flight in XX/XX/XXXX and followed up with Chase XXXX in XX/XX/XXXX to confirm the credits expiration policy. Based on my notes from that call, I was told I would need to call in to use the credit, and that it would expire in XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to redeem the credit. After multiple hours on the phone, I was told the credit had already expired. I explained that I was informed in XXXX that the credit would be valid through XX/XX/XXXX. The Chase XXXX supervisor stated that after reviewing the call recording, they determined I had actually been told the credit would expire prior to XX/XX/XXXX ( XXXX XXXX  from the original issue date ). 

My concerns are as follows : 1. UDAAP I was not given any written confirmation of the credit expiration. I was denied the ability to verify the conversation used to justify the denial. This creates information asymmetry and may constitute an unfair or deceptive act. 
2. Truth in Lending Act ( Reg Z ) If Chase XXXX and Chase Unlimited Rewards are credit card benefits, Chase has an obligation to clearly disclose the terms. That was not done here. 
XXXX. XXXX vs. Chase XXXX XXXX XXXX XXXX credits expire XXXX months from cancellation. Chase used the issue date to enforce an earlier expiration, without warning me. 
XXXX. XXXX XXXXXXXX I live in XXXX XXXX. These practices may violate state law around misleading and unfair business conduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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 have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

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 2025-06-03 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: OK

Complaint narrative:
Response to XXXX insuffucient. Access still denied to anll Equifax financial data for me and the requested information has been provided to Equifax dozens of times since XX/XX/year> with zero resolution. 

Equifax deliberately is refusing to correct this issue for unknown reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone stole my new card from XXXX  XXXX. Then I started to receive notificacions of XXXX inquires.

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