vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOUTHWEST CREDIT SYSTEM LP\nAccount NumberXXXXSubject: Cease and Desist Credit Dispute Notice\n\nIn accordance with the consumer protection laws, including Public Laws XXXX XXXX XXXX which encompass the Fair Debt Collection Practices Act, and the XXXX XXXX  laws governing credit reporting, I am formally notifying you that your services are no longer required in relation to the alleged debt you claim I owe.\n\nPer the aforementioned laws, I demand an immediate cessation of all debt collection activities and communication attempts regarding the specified debt.\n\nI must emphasize that any further attempt to collect the alleged debt in question without proper validation and verification will be considered a violation of my rights under the Fair Debt Collection Practices Act. Such actions may lead to legal consequences, including a complaint lodged with the Federal Trade Commission and the Attorney General of [your state]. Additionally, I shall pursue civil and criminal legal remedies against you and your company in accordance with the applicable laws.\n\nAs a consumer, I am aware of my rights under the law, which includes the right to record telephone conversations. Hence, I hereby inform you that I may use telephone recording equipment to document any future communication we may have.\n\nFurthermore, it is essential that you adhere to the regulations outlined in the XXXX XXXX laws regarding credit reporting. Any attempt to report negative information on my credit bureau reports after receiving this notice will be deemed as a violation of these laws. In such a case, I will not hesitate to take legal action against your company, both individually and corporately, to seek all available legal remedies.\n\nPlease be aware that I only negotiate and settle accounts directly with the original creditor. Therefore, any association or collaboration with collection agencies is against my policy.\n\nI expect written confirmation from your agency, within 30 days of receiving this letter, acknowledging that you will cease all collection activities regarding the alleged debt and that you will comply with the applicable consumer and credit reporting laws.\n\nYour cooperation in this matter is anticipated. Failure to comply with this notice will leave me no choice but to exercise my rights under the law.\n\nSincerely,\n\XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-08-07 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: TX

Complaint narrative:
I have not worked with or attempted to work with these companies. Please remove these fraudulent inquiries. They are a result of the Equifax data breach. They hinder my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
XXXX has an open account on my credit and also showing delinquency which is not true and is blocking me from purchasing another vehicle. I no longer have possession of this vehicle and haven't had possession of this vehicle since XX/XX/year>, nor do I owe them anything this vehicle was reposesed involuntary by a company that brought out the people who I originally purchased the vehicle from. I spoke with XXXX about writing a letter stating this information so I could purchase another vehicle and they just gave me the run around as if they were going to send me the letter and never did I don't know what type of scam they are running but this is my lively hood and I WANT THIS OFF MY CREDIT ASAP!!!

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 2025-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank
State: TX

Complaint narrative:
I applied for a first progress credit card at the beginning of XXXX it was taken too long for them to give me an answer on if I was approved or denied so I called and canceled the application they told me that the XXXX  expediting fee and the {$200.00} security deposit would be back on my card within 7 days I received the expediting fee the next day and today was the day I was supposed to receive the {$200.00} security deposit I still have not received the security deposit and when I called today to check on it I had XXXX lady tell me that it would be there by the end of the day. At XXXXXXXX XXXX. it has still not been on my card so I called again when I called back the gentleman told me that they tried to refund it and it was unsuccessful so they had to send it to me in a check I told them no they can't do that because I don't have an address and that my card company told me that they have never had a refund come through so then I talked to a supervisor and the supervisor tells me that there was never even a request put in two refund me my {$200.00} now I'm in a bind because I can't figure out how to get my {$200.00} back on my card because nobody will help me I need somebody to help me get my {$200.00} back or I take further legal action

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Chapter XXXX Bankruptcy XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX {$220.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Balance : {$6300.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 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:
I asked for the original signed agreement with XXXX XXXX Complete account payment history internal payment processing records Date-stamped billing statements sent to my verified address Evidence of the method of verification used A detailed explanation of the exact documents reviewed to verify the payment history The name of the individual or system that verified the information Proof of how the information was determined to be accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-07 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:
I respectfully dispute the accuracy of this late payment and request that it be deleted to reflect my strong 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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
I have been trying to dispute a charge of {$220.00} for a hair service I was supposed to receive on XX/XX/year>. The hair service i was supposed to receive got canceled and i contacted the merchant about a refund. It is XX/XX/year> and i still have not received a refund. I tried to dispute with Cash App since XX/XX/year> & have submitted a dispute claim atleast 5 times to only keep getting denied. I have contacted cash app support numerous times and managers have emailed me stating the same thing. I want to address how cash app has refunded people their money for sending the same cash app account i sent money to ( $ XXXX ) stating that it is a scam, but my claim has been denied multiple times. Ive sent multiple screenshots and asked how the cash app account is a scam for XXXX person but not for me!? As a company it is unprofessional to allow scam accounts and to tell XXXX customer it is a scam and tell another customer they can not prove the cash app account i sent {$220.00} to is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I wzs first given a whole run around to be able to close my account. Finally I was told that my account was succesfully closed. A short while later I noticed that there were still transfers going into the account. I once again called up and was told that I succesfully closed my account, yet I received an email stating that once again the monthly transfer to the account would go through. I called up again and was hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Entries for late payments appear on my credit report that I believe to be inaccurate. Pursuant to 15 USC 1681e ( b ) and 1681i of the Fair Credit Reporting Act, consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. I am requesting that each of these late payment entries be fully investigated and verified. If any of the entries can not be confirmed as accurate, complete, and verifiable, I respectfully request that they be corrected or permanently removed 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 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
XXXX XXXX  sent a last payment of XXXX after the loan was paid off and closed. The payment reached Bridgecrest last Tuesday. The payment cleared the bank on XXXXXXXX XXXX. I have been calling Bridgecrest Every day and have been lied to again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation