vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Sent wire transfer for {$10000.00} on XX/XX/year>XXXX  Money never arrived. Account that it was sent to apparently had just closed. Customer claims that money never arrived. 

I have reached out to PNC many times, each time being promised someone will get back to me. 

I have recalled the money twice. 

I have been to XXXX XXXX XXXXXXXX, the intermediary bank, with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. 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 explanation
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM XXXX XXXX XXXX OF DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX  {$5500.00} XXXX XXXX XXXX {$1500.00} XXXX {$600.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX BANKRUPTCY XXXX REFERENCE # XXXX ALSO THE FOLLOWING ADDRESSES NEED TO BE REMOVED : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-25 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: OR

Complaint narrative:
I have a bankruptcy that i never filed for since XXXX of XXXX My father and i have the same name and he is the one who filed i have called several times to try and remove and then i explained that on the bankruptcy you should have a different date of birth, social security number, and legal middle name i have waited well over 2 months and i need this removed so i can try to buy a house. I have never filed for bankruptcy and i need it 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 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
On XX/XX/XXXX @ XXXX XXXX  I called XXXX XXXX XXXX to try and find out what debt they were trying to collect- my dental office gave me this number saying that it was for a debt from XXXX when I called the XXXX person they had the wrong amount, wrong date and I asked where did they send the notification to- they gave me an email address that doesn't belong to me. 

I asked to speak to someone who can rectify this and they transferred me to a voicemail after being on hold for 12 mins. 

I asked if they could send me an itemized bill and they didn't have this information. 

I called the dentist office in XXXX and XX/XX/XXXX @ XXXX when I called they said I didn't have any outstanding bills which I was trying to confirm before I took my daughter. 

The billing collector said this expense is for XX/XX/XXXXXXXX  but I was never seen during this time. 

The service date was for XX/XX/XXXX and when I went to go get this procedure done I asked them if the waiting period was over and they reassured me that it was. I had told them if not, I could wait until it was covered. Now in XXXX of XXXX  I'm finding out that the waiting period wouldn't be lifted until XX/XX/XXXX. 

My information was sent to someone who wasn't me, they wouldn't give me the correct date of service and they were charging me an additional 25 % of what they are saying I'm owing. I asked if there was some type of settlement to close out the account and they said no. Which is why I asked where was the original statement sent to and found out it was sent to someone else 's email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent receipts of payments and payment dates and none of the information on my report related to that closed energy account is correct and does not reflect amything tht is correct. I demand this be deleted now.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: AE

Complaint narrative:
In XX/XX/XXXX I took out a loan with OneMain Financial. In XX/XX/XXXX I lost my job and was unable to pay monthly for the loan. Since then I have started paying {$310.00} monthly for the loan. Currently, this is still showing as not paid on my credit report. I have asked the company to update the payments and they refused. If this payments will not reflect as current, then why am I making payments towards this debt? I have admitted that the loss of employment has played an issue in repayment and am now doing the right thing. I am requesting assistance on getting this corrected before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TN

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 2025-04-25 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: CA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I was scammed and over {$4000.00} was taken out of my checking account and I got back the dispute response today via email from Chime and they denied any wrongdoing or any scam so none of my money is being reimbursed and I need to know how to proceed since when I first called them they said it was a case of hacking. 

I really need help getting my money back and I know most banks reimburse after fraud but this one is not

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX XXXX, i noticed multiple fraudulent inaccuracies reporting on my credit report, i am a victim of identity theft and did not make these charges please remove immediately! Thank you for your time!

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX XXXX, i noticed multiple fraudulent inaccuracies reporting on my credit report, i am a victim of identity theft and did not make these charges please remove immediately! Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear CFPB, This information concerns a 1099-C form I allegedly cancelled in XXXX, which I am contesting. While I received a letter indicating this form 's issuance, I never personally received the form itself for XXXX tax year. Our phone conversation left several critical questions unanswered, and I am writing to formally request clarification and documentation. 

It has been many years since I had any interaction with Chase, and I am deeply troubled by the recent notification of a XXXX charge-off being reported to the IRS in XXXX. This timeline is confusing and inconsistent with my understanding of the situation. Furthermore, my requests for relevant documentation from Chase, including a detailed account history, have been denied. 

To properly address this matter, I require the following information : * * * Credit Limit : * * Please provide the credit limit of the card in question. 
* * * Detailed Account History : * * I need a complete transaction history for this account, showing all charges, payments, and the balance at the time of the alleged charge-off. 
* * * Charge-Off Date Clarification : * * You stated the charge-off occurred in XXXX and should been reported in XXXX. Please clarify the correct date. 

The assertion that this debt is still being reported to the IRS after this significant amount of time, especially considering my documented job losses in XXXX and XXXX and subsequent financial hardship, is deeply concerning. I successfully disputed this item from my credit report before the COVID-19 pandemic and have not seen it appear since XXXX. I believe the reporting of this charge-off is inaccurate and potentially harmful to my credit rating. 

I have experienced significant health issues both in the past and presently, which may contribute to my lack of recollection regarding this specific card. I formally request reconsideration of the reported debt and a thorough investigation into the discrepancy between your records and my understanding of the situation. My previous request for insolvency consideration based on the job losses and ensuing financial hardship remains valid, and I would appreciate your review of this request. 

I look forward to your prompt response and the provision of the requested documentation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report. 

The item I am disputing is as follows : Creditor Name : XXXXXXXX XXXX ( managed by XXXX XXXX XXXX ) Collection Agency : XXXX XXXX XXXX XXXX ( XXXX ) Account Status : Unpaid Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Reason for Dispute : This debt is invalid. I moved out of the apartment in XX/XX/XXXX, after properly vacating the unit in good condition. I provided photo evidence, attempted to schedule a walkthrough ( with no response from management ), and fulfilled all responsibilities as a tenant. 
I dispute the validity of this debt, and request that this entry be immediately investigated, and if unverifiable, deleted from my credit report according to the Fair Credit Reporting Act ( FCRA ). 

Action Requested : Investigate the validity of the debt. 
Remove this inaccurate and fraudulent account from my credit file immediately. 

Attached are : A copy of my ID. 
Proof of the disputed collection account. 
Evidence supporting my claim ( photos, communication timeline ). 

Please complete the reinvestigation within the 30-day period allowed by the FCRA. I request a written response confirming the outcome of the investigation. 

Thank you for your prompt handling of this matter. 

Sincerely, XXXX XXXX XXXX : ( XXXX ) XXXX Email : 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 2025-04-25 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
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 2025-04-25 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

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 response to consumer: Closed with explanation