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: AL

Complaint narrative:
Your Are in Violation of federal law under 15 USC 1681e ( b ) you are required to maintain maximum possible accuracy in consumer reports. However, by reporting unverified, inaccurate, or unauthorized accounts, or false late payments, you are in direct violation of this statute.

Under 15 USC 1681n, willfull noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of up to XXXX per violation, punitive damages and attorney fees. Your refusal to correct these errors immediately will leave me choice but to pursue legal action against your agency. Complaints have been filed.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX, XXXX AND XXXXwas 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 XXXX days before the payment due date. 

XXXX XXXX, XXXX AND 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 XXXX 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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries & Related Entries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This list is based on my review of my credit file and related reports. I declare under penalty of perjury that these items are not mine, were opened or initiated without my knowledge or consent, and are the direct result of identity theft. 

I request that TransUnion block this information from my credit report within XXXX ( XXXX ) business days of receipt of this statement, as required by Section 605B of the FCRA. 

Signed : 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 2025-08-07 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: SC

Complaint narrative:
RE : Formal Request for Method of Verification Confirmation # XXXX To Whom It May Concern : In my XXXX request, I am writing regarding your continued reporting of the following accounts and public records on my Equifax credit file, which you claim to have verified as accurate and complete under Confirmation Number XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Bankruptcy, Lien, or Civil Judgment ) Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting the method of verification used to confirm the accuracy of the information you are currently reporting. This includes : The name of person & company name, mailing address, and telephone number of each furnisher or public record source you contacted. 
The manner in which the verification was conducted ( e.g., automated, third-party database, direct contact, etc. ). 
The documentation provided by each source to substantiate the continued reporting on my consumer reports. 
Additionally, I am requesting disclosure under 15 U.S.C. 1681g ( a ) ( 2 ), which mandates that consumer reporting agencies provide the sources of the information upon request.

If this data was obtained through third-party vendors such as LexisNexis or G2 Risk Solutions, you are still required under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of the information you report, and to provide full disclosure of how that accuracy was determined.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: MS

Complaint narrative:
XXXX the account was opened in my name. My phone was also stolen from either my car or house. Im not home a lot and didnt really have a clue. My phone was hooked up to my XXXX with both numbers. I had my info in my notes and photos. The number someone was using was my primary number until I got my second phone and I really forgot about the phone until the info started popping up on my account. I end up transferring my XXXX number plan back since it was cheaper and the phone was gone, I disputed it and place security freeze and fraud alert on my credit report. I heard back and talk to a supervisor because it was a lot of back and forward and bad communication. Then called couple days later they told me it ruled in my favor. I let it go then it was still reporting so I called again DISCOVER REPRESENTATIVES TOLD me not worry about any more billing or things in XXXX of XXXX  because the account was going to charge of XX/XX/year> so I wanted to know why if it ruled in my favor they told me to ignore anything else after this call. I did that and still after it was still reporting so I got in contact again they told me THIS TIME that it didnt ruled in my favor so I got contacted with some else and they said it did rule in my favor so it was a lot going on. I was hearing this over the phone back and forward Im young and in college so I was almost willingly to pay because Im in school and need vehicle but then was told not worry about it because it ruled in my favor but when I tried to get a car that affected me because it was in fact still on my credit. I talk to someone else and fax over my police report so they can have more evidence and support from me and they told me to give it at least XXXX  days to hear something else which I did wait patiently because I was being told by discover to not pay and just to find out it was supposedly more accounts and only XXXX ruled in my favor which doesnt make sense if everything was used the same. It still charge off on my credit for {$910.00} which doesnt make sense if I was told not worry and didnt know anything about other accounts, it was very confusing and stressful. It was bad miscommunication. I called again and told them they I still havent revised anything about my opened dispute again and they say the sent it but I didnt get not one thing about my case from them.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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: 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: GA

Complaint narrative:
Due to these persistent inaccuracies, I have repeatedly been denied housing for me and my family. Landlords and property managers rely on credit reports to evaluate applicants, and the false information has led to denials of rental applications, placing my family in a state of housing insecurity. 

I am submitting this complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., due to their failure to report accurate, complete, and verifiable information on my credit reports. 

Despite multiple attempts to dispute and correct these errors, the agencies have either failed to investigate properly or continued to report inaccurate, incomplete, or unverifiable information. These violations have caused significant harm to me and my family.

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: 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: GA

Complaint narrative:
Due to these persistent inaccuracies, I have repeatedly been denied housing for me and my family. Landlords and property managers rely on credit reports to evaluate applicants, and the false information has led to denials of rental applications, placing my family in a state of housing insecurity. 

I am submitting this complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., due to their failure to report accurate, complete, and verifiable information on my credit reports. 

Despite multiple attempts to dispute and correct these errors, the agencies have either failed to investigate properly or continued to report inaccurate, incomplete, or unverifiable information. These violations have caused significant harm to me and my family.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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: 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: ME

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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: CA

Complaint narrative:
This entry does not reflect my typical payment behavior and should be corrected. Kindly remove the late payment and update my account.

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: CA

Complaint narrative:
have always met my payment obligations on time. This reported late payment is not accurate and should be removed.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX which is owned by XXXX Bank, only wants to report negative information to the credit bureaus. They are charging me an interest rate of 34 % almost, and they are quick to charge me interest but take more than a week to make credit available on my account. They also report my credit balance when it is over limit, or a high balance, but take weeks or more, to report to the credit bureaus, when I pay the card off. I feel like it's racism, discrimination and they are just wanting to milk me for the interest, and when they cant do that, they take forever to report accurate information to the credit bureaus, that is positive and helpful to me. I paid my card off XX/XX/year>, there is no credit made available to me as of right now on XX/XX/year> but yet it says the payment posted that I made. They have also not reported the information to the credit bureaus about the card being paid off either, but when my balance is overlimit or high, they report to the credit bureaus the next day. I am trying to be credit worthy, but this company is not allowing that, by refusing to not report information accurately to credit bureaus. I have no screenshots to show when they provided the credit bureaus positive information, in fact when I did pay off a larger limit, they decreased my limit and reported from {$1200.00} to {$250.00}. But also did not provide an explanation as to why they did that as well, just decreased the limit, with no explanation.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
have no involvement with these accounts, and I believe they were fraudulently opened. Please conduct a thorough investigation and remove them from my credit history. Documents included.

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Subject : Request for Removal of Unfair Interest and Fee Charges on Business Credit Card Account Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding my business credit card account with [ Creditor U.S. Bank ], account ending in XXXX. 

The account has been charged the following fees which I believe are unfair and were not properly disclosed : {$130.00} in interest charges {$40.00} late fee, which I dispute because my payment was not late {$40.00} over-limit fee that was never clearly explained or disclosed to me verbally or in writing Thank you for your help. 

Sincerely, 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 2025-08-07 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: NJ

Complaint narrative:
I am filing this complaint because credit reporting agency Equifax, are reporting inaccurate, inconsistent, or unverifiable information regarding several closed and charged-off accounts. I submitted formal disputes to the bureaus identifying specific errorssuch as incorrect dates of last payment, conflicting account statuses, and discrepancies in balance reportingbut they failed to provide proper investigation or documentation verifying the accuracy of these items, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2 ( b ). I am requesting that these accounts be properly verified with supporting documentation or removed from my credit file entirely.

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: VA

Complaint narrative:
PLEASE SUBMIT THE ATTACHED DOCUMENT TO EXPERIAN LEGAL DEPT. 

SUBJECT : Procedural Request Under 15 U.S.C. 1681g / 1681i Demand for Full Investigation Records, Verification Methodology, and Supporting Documentation for the Account that Experian has Verified as Accurate. 

On XX/XX/XXXX, I got a notification from Experian that the account was verified as accurate. However, Experian failed to provide any information disclosing the specific procedures used in the reinvestigation, the identity of the parties Experian contacted, or any actual documentation or evidence supporting the accuracy of the account.

Enclosed is a copy of the account and result from Experian. Verified As Accurate.

I now demand, under 15 U.S.C. 1681g ( a ) ( 2 ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), and 15 U.S.C. 1681e ( b ), that Experian provide the following information : 1. The name, address, and method of communication used to verify the account.

2. A full description of the investigation procedures Experian claims to have performed.

3. All documents, data, and records received from the furnisher ( SST or its parent company ) were relied upon to verify the account.

4. A complete copy of any correspondence, ACDV/e-OSCAR communications, or automated responses received during the reinvestigation.

5. An explanation of how Experian reinvestigation ensured maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

Applicable Law and Precedent Supporting This Demand : 15 U.S.C. 1681g ( a ) ( 2 ) requires you to clearly disclose the sources of the information contained in the consumer file.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) mandates that upon request, you must provide the method of verification used by the person who provided the information.

15 U.S.C. 1681e ( b ) compels CRAs to follow reasonable procedures to assure maximum possible accuracy.

Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) The Court held that a CRA can not avoid liability by conducting a superficial or automated reinvestigation that rubber-stamps the furnishers data.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Reinforces that CRAs must do more than passively forward information ; they must actively investigate and evaluate disputed items.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Held that failure to provide verification documentation can result in liability under the FCRA.

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