vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: 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 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 2025-05-28 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: 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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
The account is not a charge off. It states settled for less.it is paid the remains was a 1099c. Please remove this account from my credit report for inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX XXXX, I disputed a false tradeline reported by XXXXXXXX XXXX XXXXXXXX. I submitted a Revocation of Power of Attorney, Conditional Acceptance, and proof of service. TransUnion 's system blocked me from uploading supporting documents tied to this dispute ( # XXXX ). This prevented fair review and violates FCRA 1681i and 1681s-2 ( b ). Despite XXXX XXXX  administrative default by XXXX XXXX XXXX, the inaccurate tradeline remains. TransUnions failure to review evidence and process my legal dispute is causing ongoing credit harm.

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 2025-05-28 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: PR

Complaint narrative:
This inquiries are reporting in my credit report whit out my permission : XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and 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 explanation
Consumer complaint received 2025-05-28 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I was given a guarantee from XXXX XXXX {$50.00} to be approved for a personal loan of $ XXXX at 23 % interest rate. I applied and was directed with one main financial where they called me after doing a hard credit pull asking for more information like work records and tax returns. I explained I don't want to provide such info and if I'd known such info were required I wouldn't have proceeded. Now they have completely removed the offer and dropped my credit score tremendously making it difficult to do anything else finance wise.. I'd like for them to remove the hard inquiries they have been pulling on me. I also never received {$50.00} from XXXX XXXX. 
My complaint is with one main financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
My account with XXXX 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 in to be removed.

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. 

XXXX 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! 

Delete 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
TransUnion has failed to verify my identity. They have an outdated system they use for verification that operates like a XXXX ice cream machine. 
For over three years Ive been unable to change my email address and my number. Their website is the worst website Ive come in contact with. Nothing works. Buttons and options are there for display not interaction.

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 2025-05-28 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:
I am filing a complaint to formally dispute certain inaccurate information contained in my credit report. I have obtained a copy of my report from your bureau and found the following items to be in error : Items Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Stage Funding
State: NC

Complaint narrative:
I am writing to dispute the accuracy and reporting of a tradeline from XXXX XXXX XXXX on my credit report and SOUTHWEST STAGE FUNDING. 

This account was a joint loan with a former spouse, and per the terms of our divorce decree, my ex-spouse was solely responsible for the debt obligation and continued payments. I have not been involved in or responsible for this account since the legal separation 20 years ago. Despite this, the tradeline continues to report negatively under my name. 

In addition, this loan was transferred to XXXX and subsequently to another servicer. The reporting may be duplicative and includes adverse status remarks that misrepresent my actual financial responsibility. 

Accordingly, I am requesting that this account be : 1. Removed from my credit file, or 2. Correctly updated to reflect that I am no longer financially responsible for it.

I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX To : XXXX, Equifax, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter is a formal dispute regarding the reporting of a repossessed auto loan account. This account, as reported by XXXX XXXX XXXX, contains multiple compliance errors and legal violations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. As the reporting furnisher and bureau, you are required to furnish only accurate and verifiable information. I am requesting deletion of this account from my credit file immediately. 

Creditor : XXXX XXXX XXXX Account Number : Ending in XXXX Type : Installment Auto Loan Account Status XXXX XXXX XXXX XXXX Balance : {$5000.00} Terms : XXXX  Months ( Monthly ) Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Identified : - Repossession not clearly coded using propeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' - No XXXX XXXX XXXX XXXX ' reported ( required for accurate aging ) - No Compliance Condition Code to support the charge-off status - 'Balance ' remains reported with no reflection of recovered value or offset - Missing or improper Consumer Information Indicator ( e.g., XB ) - Repossession account being furnished without clarification if deficiency balance is final and collectible Applicable Legal Citations : - FCRA 609 ( a ) : Right to full documentation supporting reporting - FCRA 611 : Inaccurate or unverifiable data must be deleted - FCRA 623 ( a ) ( 5 ) : Must report Date of First Delinquency accurately - FCRA 1681s-2 : It is illegal to knowingly furnish misleading or inaccurate data - Metro 2 : Repossessions require specific codes for charge-off and collateral recovery status I demand immediate deletion of this account due to reporting inaccuracies and legal violations. Please complete your reinvestigation within the required 30-day window and provide written confirmation of the outcome. Failure to comply may result in escalation through the CFPB and other regulatory avenues. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX To : XXXX XXXX  TransUnion Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter is a formal dispute regarding the reporting of a repossessed auto loan account. This account, as reported by XXXX XXXX XXXX, contains multiple compliance errors and legal violations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. As the reporting furnisher and bureau, you are required to furnish only accurate and verifiable information. I am requesting deletion of this account from my credit file immediately. 

Creditor : XXXX XXXX XXXX Account Number : Ending in XXXX Type : Installment Auto Loan Account Status : XXXX XXXX XXXX Balance : {$5000.00} Terms : XXXX  Months ( Monthly ) Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Metro 2 Violations Identified : - Repossession not clearly coded using proper XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ' - No XXXX XXXX XXXX XXXX XXXX reported ( required for accurate aging ) - No Compliance Condition Code to support the charge-off status - 'Balance ' remains reported with no reflection of recovered value or offset - Missing or improper Consumer Information Indicator ( e.g., XB ) - Repossession account being furnished without clarification if deficiency balance is final and collectible Applicable Legal Citations : - FCRA 609 ( a ) : Right to full documentation supporting reporting - FCRA 611 : Inaccurate or unverifiable data must be deleted - FCRA 623 ( a ) ( 5 ) : Must report Date of First Delinquency accurately - FCRA 1681s-2 : It is illegal to knowingly furnish misleading or inaccurate data - Metro 2 : Repossessions require specific codes for charge-off and collateral recovery status I demand immediate deletion of this account due to reporting inaccuracies and legal violations. Please complete your reinvestigation within the required 30-day window and provide written confirmation of the outcome. Failure to comply may result in escalation through the CFPB and other regulatory avenues. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last XXXX ) : XXXX Phone : 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 2025-05-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, IL XXXX Phone : XXXX Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX To : ExperianXXXX XXXX XXXX Address : Experian : XXXX. XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX To Whom It May Concern, This letter is a formal dispute regarding the reporting of a repossessed auto loan account. This account, as reported by XXXX XXXX XXXX, contains multiple compliance errors and legal violations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. As the reporting furnisher and bureau, you are required to furnish only accurate and verifiable information. I am requesting deletion of this account from my credit file immediately. 

Creditor : XXXX XXXX XXXX Account Number : Ending in XXXX Type : Installment Auto Loan Account Status : CHARGE-OFF / REPOSSESSION Balance : {$5000.00} Terms : 81 Months ( Monthly ) Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Metro 2 Violations Identified : - Repossession not clearly coded using proper 'Collateral Status ' or 'Special Comment Code ' - No 'Date of Last Activity ' reported ( required for accurate aging ) - No Compliance Condition Code to support the charge-off status - 'Balance ' remains reported with no reflection of recovered value or offset - Missing or improper Consumer Information Indicator ( e.g., XB ) - Repossession account being furnished without clarification if deficiency balance is final and collectible Applicable Legal Citations : - FCRA 609 ( a ) : Right to full documentation supporting reporting - FCRA 611 : Inaccurate or unverifiable data must be deleted - FCRA 623 ( a ) ( 5 ) : Must report Date of First Delinquency accurately - FCRA 1681s-2 : It is illegal to knowingly furnish misleading or inaccurate data - Metro 2 : Repossessions require specific codes for charge-off and collateral recovery status I demand immediate deletion of this account due to reporting inaccuracies and legal violations. Please complete your reinvestigation within the required 30-day window and provide written confirmation of the outcome. Failure to comply may result in escalation through the CFPB and other regulatory avenues. 

Sincerely, XXXX XXXX XXXX XXXX Ct XXXX, IL XXXX SSN ( Last 4 ) : XXXX Phone : 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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt is not mines never had any type of business with them

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 2025-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: AR

Complaint narrative:
I have contacted cashapp on several instances and there is never a live representative to assist at that moment and there has a time when it was urgent and still not live agent was available to speak with.

Company response to consumer: Closed with explanation