vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
My account 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.

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 2025-05-02 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: Self Financial Inc.
State: MN

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization. 
I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 
I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. 
I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization. 
I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 
I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. 
I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain 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 explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-02 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Inaccurate Reporting of Account Status Dear Equifax Dispute Department , I am writing to dispute inaccurate information on my Equifax credit report. I have noticed that a specific account is being reported as open on your report, while the same account is reported as closed on another major credit reporting agency ( either Experian or XXXX ). This inconsistency is concerning and may negatively impact my credit profile.

Below are the details of the disputed accounts : Creditor Name : XXXX XXXX XXXX XXXX XXXX Status on Equifax Report XXXX Open Status on Other Bureau ( s ) : Closed Reason for Dispute : Inaccurate reporting inconsistent account status across bureaus I am requesting that Equifax conduct a full reinvestigation into the current status of this account. I am enclosing a copy of the other bureau 's credit report showing the account is closed, which supports my claim. Please verify the true and current status of the account directly with the data furnisher and correct the information on my Equifax report if necessary.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit file. I respectfully ask that Equifax ensure this account is reported accurately and uniformly. 



Please provide written confirmation of the outcome of your investigation. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have a business payroll checking account. I made an error in our check XXXX XXXX on the check date ( XXXX instead of XXXX ). This check was debited in my account ending in XXXX but is NOT showing up in the recipient 's account ending in XXXX all Citizens Bank accounts. Where is this money??? The bank should not have cleared a post dated check and now it is lost in the abyss. The few people I spoke to in the bank and on the phone could not tell me where the money is.

I am desperate for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Request for Removal of Inaccurate Personal Information To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate personal information from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian delete the following inaccurate or outdated information : Incorrect Names : - XXXX XXXX XXXX - XXXX XXXX XXXX Incorrect Addresses : - XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Please update my file to reflect only the correct and current information below : Full Legal Name : XXXX XXXX XXXX Nadal Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have included copies of my valid identification and proof of address. Please complete your investigation and confirm the removal of the inaccurate entries from my credit file as required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-05-02 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: GA

Complaint narrative:
My TransUnion credit report contains several derogatory accounts that are either outdated, unverifiable, or inaccurately reported. These items continue to negatively impact my credit despite being closed or resolved years ago : XXXX Balance : {$280.00} This account was charged off and closed, but no payment history is provided, and the most recent status update is from XXXXXXXX XXXXwell beyond any legitimate activity. This suggests the account may have been re-aged or updated inappropriately. 

XXXX XXXX Balance : {$590.00} Similar to the XXXX account, this entry lacks a clear payment history and was recently updated ( XX/XX/XXXXXXXX XXXX XXXX despite being inactive since around XXXX. This raises concerns about continued derogatory updates that are not justified. 

XXXX {$0.00} balance This account reflects two late payments but has been closed since XXXX  with no remaining balance. Reporting these delinquencies over three years later is excessive and unfair. 

XXXX XXXX XXXX {$0.00} balance This account was closed in XXXX and also lists late payments. Given the time elapsed and the resolved status, continued derogatory impact is not reasonable.

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 2025-05-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
This morning I ordered an XXXX. I had a credit card attached to it that I had previously had, but I had canceled out in XX/XX/year> last XXXX numbers. XXXX it was canceled so I went to add my new card and the charges were already accepted on card number XXXX but that card was never attached to my account when calling the bank they told me that the previously canceled out Card must have attached to the new card. They sent me because I just reported it as lost and sometimes it does that it just takes out money whenever it wants on a card so I have been canceled this card since it was attached to another card and issue me a new card that should arrive in XXXX XXXX XXXX  days. I have attached the screenshot for the XXXX application and the card that was charged date of the screenshot also included. I will also include a screenshot of the Huntington bank application where it went through on a canceled card. 

Also, previously, I have been speaking with a XXXX at Huntington Bank, who called me from the XXXX XXXX number gave me her email address because Ive been emailing her. Apparently the woman that I spoke with today from Huntington Bank stated that there is no book that works there and she does not know what kind of email address I have. Im also going to include that along with the telephone number that this womans been calling me from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am the victim of identity theft, and an account was fraudulently opened or used in my name with XXXX XXXX XXXX. I never opened an account with this company and did not authorize any transactions or charges related to it. 
A collection account in the amount of XXXX XXXX  {$210.00} XXXX XXXX was reported by XXXX XXXX FirstPoint Resources * * ( XXXX XXXX : XXXX / Acct : XXXX ). I only became aware of this collection after it appeared on my credit report and I received a letter dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledging my dispute. 
I have no knowledge of this account and did not enter into any contract or agreement with XXXX XXXX XXXX. I have submitted a formal dispute to FirstPoint Resources, along with supporting documentation. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 605B, I am requesting that this fraudulent collection account be permanently removed from all consumer reporting agencies, and that the furnisher of this data cease all collection activity related to it. 
XXXX XXXX I am submitting this report to document and resolve this identity theft incident and to request that my credit file be corrected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I previously filed a Better Business Bureau complaint against Portfolio Recovery Associates demanding Validation of Debt and they responded solely with previous account statements which is wholly inadequate under 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1006.34 ( CFPB Regulation F ). They did not provide a chain of assignment or bill of sale proving your ownership of the debt nor the original credit agreement or signed contract establishing my obligation to the alleged debt among other important items, all of which are enumerated in my attachment to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I asked westlake finacial multiple time to pay off my car they refused i also asked them to repo ot they told me the car wasnt worth the repo and they only wanted the money they have reported 3 different prices to the credit bureau which none is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Been asking chase auto to update amount they are putting wrong amount and hasnt dont anything to change Act ( FCRA ) Section 611, I have the right to dispute any inaccurate or unverifiable information on my credit report. This item is inaccurate and/or can not be verified. 
Please remove this negative item. Thank you. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Bank of America : My name is XXXX XXXX, and I am a retired high school principal/ educator for XXXX years. My complaint is regarding a debt that Bank of America has placed on my credit. I have been communicating with the different individuals in customer service related to the debt over several years. This debt which I did not make has inhibited me from acquiring credit on several occasions, severely limiting my ability to move forward in my life. I have continually stated that I did not apply, use or pay on a credit card that was in use foe 10 years according to Bank of America. 
Below I will add other details that I hope can shed light on this stressful situation. 
Bank of America could not find documentation of the application when it was first opened. 
Bank of America could or did not provide me with the voice recording of when and who opened the credit card. It was not me Bank of America states because it derived from my address and my social security number was connected to the card I was surely the culprit. 
I told Bank of America that I had a son with the exact first and last name and if it could be some sort of mistake I informed Bank of America that I live in a XXXX XXXX apartment building and my son lived on XXXX XXXX XXXX  at the time. Why is this important? The bank and bill collectors based everything on the address and my social. They never in my opinioned did and through investigation to rule out that they made the mistake by not verifying whoever used my social. Additionally, they stated that because the bill was being paid on for several years that automatically meant that I knew about the credit card and obviously applied for which was erroneous on their part. 
I informed bank of America that my son had an account with Bank of America. I also confronted my son about it who does have an account with bank of America but refuted the account in question as well. 
I think the clear way to ensure due diligence would be to share or investigate who was paying the bill and from what account. This action would clear me from any wrongdoing. 
I have been turned down for several home loans business loans all due to this debt that I did not make. Can someone please investigate this properly and clear my name. 
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