vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: NY

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 2025-07-28 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: NV

Complaint narrative:
In XXXX, my personal information was compromised in the Equifax data breach. As a result, multiple fraudulent accounts have appeared on my credit report over the past few years that I did not authorize, open, or use. These include accounts with 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 XXXX XXXX XXXX XXXX XXXX XXXX 

I have taken several steps to resolve this issue, including filing a formal identity theft report with the FTC, notifying the credit bureaus, and submitting an affidavit demanding the fraudulent accounts be blocked and removed under FCRA 605B. I have not received goods, services, or funds from these companies, and I dispute any claims that I am responsible for the debts associated with these accounts. 

I am requesting permanent deletion of these accounts from my credit report and for all collection activities to cease immediately.

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 2025-07-28 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: NV

Complaint narrative:
In XXXX, my personal information was compromised in the Equifax data breach. As a result, multiple fraudulent accounts have appeared on my credit report over the past few years that I did not authorize, open, or use. These include accounts with 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 XXXX XXXX XXXX XXXX XXXX XXXX 

I have taken several steps to resolve this issue, including filing a formal identity theft report with the FTC, notifying the credit bureaus, and submitting an affidavit demanding the fraudulent accounts be blocked and removed under FCRA 605B. I have not received goods, services, or funds from these companies, and I dispute any claims that I am responsible for the debts associated with these accounts. 

I am requesting permanent deletion of these accounts from my credit report and for all collection activities to cease immediately.

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 2025-07-28 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: MD

Complaint narrative:
I am requesting the following actions from Experian : Immediate reinvestigation and permanent deletion of the inaccurate late payment notations associated with the following accounts, unless Experian or the data furnishers can prove that proper notice was provided before reporting the late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX If the furnishers can not provide verifiable evidence of advance notice such as dated billing statements, mailed letters, or digital/email communications then Experian must remove the late marks in compliance with FCRA 1681i ( a ) and 1681e ( b ).

Provide written confirmation of the investigation results and any resulting corrections, along with an updated copy of my credit file reflecting those corrections, within 15 business days.

This resolution is both fair and legally justified under the Fair Credit Reporting Act, which protects consumers from the reporting of inaccurate, incomplete, or unverifiable information.

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 2025-07-28 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/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 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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 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 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 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 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 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 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Law 15usc1681b Law 15usc16c-2 Early warning system has collected, used, and/or shared my personal identity and financial information without my knowledge or consent. I believe my identity has been stolen and used unlawfully, and my personal data may have been sold or traded by early warning systems or entities connected to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a debt collection and credit reporting issue that involves identity theft, the reporting of inaccurate information to the credit bureaus, and questionable handling of my dispute by the furnishing company. 

Summary of the Issue : I recently obtained a copy of my credit report and noticed that a collection account or rental-related tradeline has been reported under my name. I have never lived at or applied for the property in question, and I have no knowledge of or connection to the alleged debt. 

Upon discovering this, I immediately contacted the property management company associated with the listing. They acknowledged receipt of my concern and confirmed they are actively investigating the matter. I have cooperated fully and in good faith. 

Actions Taken : I filed a formal identity theft police report and am attaching it to this complaint. 

I submitted a dispute to the credit bureau ( XXXX ) as required under the Fair Credit Reporting Act ( FCRA ). 

I reached out to the company that furnished the data ( believed to be XXXX or a related screening/collections agency ) and informed them that I am a victim of identity theft. 

Problem with the Furnisher : The company I contacted has refused to clarify the specific reason they are requesting a copy of my government-issued ID. While I understand that identity verification may be necessary in some cases, I explicitly asked for a written explanation of : Why they require my ID ; What it would be used for ; How it would be stored and protected ; Whether it would be shared or retained in their systems.

They have not provided any of this in writing, and this has raised serious concerns about how they handle personal dataespecially when dealing with a consumer already affected by identity theft. 

I am willing to provide a police report and proof of residency history to resolve this dispute. However, I am not comfortable sending my ID without written confirmation of its purpose, scope, and data protections. 

Their vague and potentially negligent handling of this dispute process discourages proper resolution, creates further privacy risks, and may violate the FCRA, which requires furnishers to respond reasonably and fairly to identity theft claims.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I disputed a bankruptcy listed on my credit report with Equifax, Transunion and Experian. I received a response stating the bankruptcy was " verified. '' However, I obtained a letter from the U.S. Bankruptcy XXXX, XXXX XXXX of California, which clearly states that the court does not verify or report bankruptcy information to credit bureaus. 

Because the court does not confirm or release this data, the bankruptcy is legally unverifiable under the Fair Credit Reporting Act ( FCRA ). Any item that can not be verified must be removed. 

In addition, I have placed security freezes on my XXXX and XXXX consumer files to prevent the credit bureau from relying on third-party public record databases for unverifiable information. 

Despite these facts, the company failed to remove the bankruptcy. I am requesting that the CFPB assist in enforcing the removal of this unverifiable public record from 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a bankruptcy listed on my credit report with Equifax, Transunion and Experian. I received a response stating the bankruptcy was " verified. '' However, I obtained a letter from the U.S. Bankruptcy XXXX, XXXX XXXX of California, which clearly states that the court does not verify or report bankruptcy information to credit bureaus. 

Because the court does not confirm or release this data, the bankruptcy is legally unverifiable under the Fair Credit Reporting Act ( FCRA ). Any item that can not be verified must be removed. 

In addition, I have placed security freezes on my XXXX and XXXX consumer files to prevent the credit bureau from relying on third-party public record databases for unverifiable information. 

Despite these facts, the company failed to remove the bankruptcy. I am requesting that the CFPB assist in enforcing the removal of this unverifiable public record from 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On approximately XX/XX/year> Navy federal credit union debited my business savings account in the of {$4500.00} which was covered by my tax refund that was deposited on the same day. This balance was then transferred from my business checking account to my business savings account and the balance had already settled with the bank on XX/XX/year>. Navy federal has debited my business savings account for the same amount and are saying that i am responsible for this balance. Since communicating with navy federal they have since found the mistake but have already charged off the balance in which they say i owe. I have asked for copies of my bank statements for proof that the balance was taken care of and they denied me that saying that my account was now restricted and closed and they aren't allowed to give me anything regarding my account. After all assessed fees the balance of {$5700.00} was paid in full. Navy federal had transferred that amount from my person checking account to cover the negative balance in my business checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-28 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: SC

Complaint narrative:
I have tried to dispute this situation several times. There is information on my credit report that is inaccurate. It has not been verified. I am requesting using my rights to have the inaccurate information deleted

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/year>, I made a payment using my Capital One credit card for a tree service. The company delayed completion of the work for several months and eventually failed to return to complete two thirds of the work for which they had already been paid. I promptly filed a case in small claims court and have spent additional months trying to have the company served.

I contacted Capital One to dispute the charge, explaining that the tree service provider has actively evaded service. Capital One required me to provide proof of this, so I paid additional fees to obtain an affidavit from the process server I hired, confirming that the company is avoiding being served.

After I submitted this documentation, Capital One denied the dispute, citing the time frame. I asked why they required costly proof if they were going to deny the claim based on timing anyway. So far, they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 2025-07-28 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: NJ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation