vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). 
According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it. 
According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

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 2025-03-26 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: LA

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 explanation
Consumer complaint received 2025-03-26 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: LA

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 2025-03-26 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: FL

Complaint narrative:
I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint because my creditor is reporting negative accounts on my credit. The accounts ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation and documentation. Under 15 usc 1681 S2A furnisher must report accurate information under 15 usc 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence for them to support the negative 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 2025-03-26 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: MA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-26 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : XXXX XXXXXXXXXXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number XXXX Equifax XXXXXXXX XXXX, Account Number 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 2025-03-26 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: AZ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
In 2024 I received a letter from my employer stating my check was being garnished. I called the company and asked where the original debt came from and can I se proof it was my debt. They could not provide the information. I was given different information that was given to the court. I told them I will call back. I called again and ask for the information. The lawyer I talked to laughed and XXXX stated it was my debt. When I asked again he said look at the court records. I asked what about the other debts. He laughed and again. I asked for the email address he refused to give it to me. When I asked again he finally gave it to me. XXXX XXXX I emailed requesting information. There was no response. I sent a follow up email XX/XX/year> and no response. My check was garnished. I went to court they said it was nothing I could do. Now this same lawyers are trying to sue me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-26 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:
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 2025-03-26 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: TX

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve 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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding the penalty fees being charged by PayPal Cashback XXXX MasterCard and PayPal Credit, both of which are backed by Synchrony Bank, in relation to late payment fees that appear to be in violation of the recently updated rules under Regulation Z ( 12 CFR Part 1026 ).

As per the final rule under Docket NoXXXX XXXX issued in 2023, the Consumer Financial Protection Bureau ( CFPB ) introduced a late fee safe harbor threshold of {$8.00} for larger card issuers, specifically those with XXXX XXXX or more open credit card accounts. The rule also specifies that this {$8.00} amount is not subject to annual adjustments based on the Consumer Price Index ( CPI ).

However, I have experienced the following issues with PayPal Cashback XXXX MasterCard and PayPal Credit : 1. Excessive Late Fees : Despite the recent changes in the rule, PayPal Cashback XXXX MasterCard and PayPal Credit have been consistently charging me a late fee of {$40.00} per incident, which significantly exceeds the {$8.00} threshold established by the CFPB for larger card issuers.

2. Violation of Regulation Z : The fees charged by PayPal Credit and PayPal Cashback XXXX MasterCard appear to be in direct violation of the CFPB 's official interpretation and final rule, as they are not compliant with the newly adopted safe harbor amount of {$8.00}. This failure to comply with the regulation harms consumers by imposing excessive financial burdens on those who may already be struggling to meet payment deadlines.

I request that the CFPB take immediate action to investigate these practices by PayPal Credit and PayPal Cashback XXXX MasterCard, both of which are backed by Synchrony Bank, and ensure they are complying with the new penalty fee limits as outlined under the final rule.

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 monetary relief
Consumer complaint received 2025-03-26 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:
Under the Fair Debt Collection Practices Act, I request that you validate this alleged debt. As required by 15 U.S.C. 1692g ( b ), I am exercising my right to request proper documentation to substantiate the following : A complete accounting of the alleged debt ( original amount, fees, interest, etc. ) ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature ; Proof that you are authorized to collect debts in my state ( license/registration if applicable ) ; Verification that you have the legal right to collect this specific debt. 

Until you provide full validation, you are required by law to cease all collection activities and reporting of this debt to any third parties. 
2. Request for Method of Verification ( FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ) If this letter is being sent to a credit reporting agency, I am also requesting the method of verification for how the disputed account was verified. 
Per the Fair Credit Reporting Act, you are obligated to conduct a reasonable reinvestigation upon receiving a dispute and respond with : The name, address, and contact information of the party that verified the information ; A clear description of the process used during the reinvestigation ; Copies of any documentation used to verify the accounts accuracy. 
If you are unable to provide this information, the account must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
This letter serves as a formal dispute and request for validation and verification under federal law. Please respond within the legally mandated timeframes ( 30 days for FCRA disputes, 5 days for method of verification requests, and timely debt validation under FDCPA ).

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 2025-03-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Under the Fair Debt Collection Practices Act, I request that you validate this alleged debt. As required by 15 U.S.C. 1692g ( b ), I am exercising my right to request proper documentation to substantiate the following : A complete accounting of the alleged debt ( original amount, fees, interest, etc. ) ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature ; Proof that you are authorized to collect debts in my state ( license/registration if applicable ) ; Verification that you have the legal right to collect this specific debt.

Until you provide full validation, you are required by law to cease all collection activities and reporting of this debt to any third parties.

2. Request for Method of Verification ( FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ) If this letter is being sent to a credit reporting agency, I am also requesting the method of verification for how the disputed account was verified.

Per the Fair Credit Reporting Act, you are obligated to conduct a reasonable reinvestigation upon receiving a dispute and respond with : The name, address, and contact information of the party that verified the information ; A clear description of the process used during the reinvestigation ; Copies of any documentation used to verify the accounts accuracy.

If you are unable to provide this information, the account must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
This letter serves as a formal dispute and request for validation and verification under federal law. Please respond within the legally mandated timeframes ( 30 days for FCRA disputes, 5 days for method of verification requests, and timely debt validation under FDCPA ).

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