vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: OH

Complaint narrative:
To Whom It May Concern, Re : Request for Removal of Reported Late Payment XXXX XXXX XXXX Account XXXX. This account is totally current it was just now in XX/XX/year> an alleged late payment from XX/XX/year>. 
I am writing regarding a late payment that has been reported on my XXXX XXXX XXXX account. I respectfully request that this late payment be removed from my credit report. 
This single late payment does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXX XXXX XXXX. I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. 
Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my information without my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumer credit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. 
I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made. 
Thank you for your time, consideration, and assistance.

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 2025-09-18 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: OH

Complaint narrative:
To Whom It May Concern, Re : Request for Removal of Reported Late Payment XXXX XXXX XXXX Account XXXX. This account is totally current it was just now in XX/XX/year> an alleged late payment from XX/XX/year>. 
I am writing regarding a late payment that has been reported on my XXXX XXXX XXXX account. I respectfully request that this late payment be removed from my credit report. 
This single late payment does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXX XXXX XXXX. I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. 
Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my information without my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumer credit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. 
I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made. 
Thank you for your time, consideration, and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-18 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: CA

Complaint narrative:
This entry conflicts with my demonstrated record of timely payments and appears to be mistaken. Please investigate and expunge it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally report and seek resolution regarding a series of unauthorized transactions and mishandled dispute filings associated with my PNC Bank account. 

On my wallet and electronic devices were stolen. I promptly filed a police report with the XXXX Police Department under case number XXXX. Since then, I have made multiple calls to PNC Bank in an effort to address the fraudulent activity that occurred as a result of this theft. 

The disputed transactions in question were all made via XXXX XXXX spanning from XXXX XXXX through XX/XX/XXXX. While PNC has acknowledged these disputes and initiated investigations, I have encountered significant issues with how they have been handled. 

Several disputes have been filed with incorrect dates and times which do not correspond to the actual unauthorized transactions. 
The disputes appear to be disorganized and inconsistent making it difficult to track progress or understand which transactions are being reviewed. 
Despite my submission of supporting documentation and repeated follow-ups, the bank has not conducted a thorough or effective investigation into the matter. PNC also deny claims Because of the timeline many of these things that were wasn't even aware of but when I became aware I did notify the bank The bank did approve some that were out of their XXXX windows and denied some I'm asking that they take it all seriously Then please make the corrections. 

This situation has caused considerable stress and financial uncertainty. I respectfully request that PNC Bank re-examine the disputed transactions with accurate information and provide a clear update on the status of each case. I am also requesting written confirmation that my concerns have been received and are being addressed appropriately. 

Please let me know if any additional documentation is needed from my end to expedite this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. 
I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

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 2025-09-18 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: IN

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. 
I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OM Financial, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX. I was browsing loans online. I actually had filled out a couple of apps. I don't remember accepting the loan and certainly did not know the interest was 599 %. I always have payments set to biweekly. This is for weekly .. I live in XXXX  and didnt think 599 % interest is legal. By the time I noticed I had more.money in my account. Some transactions were taken out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
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 2025-09-18 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Coinbase.com suddenly asked me to verify my coinbase.com account when my Coinbase Debt card expired. After I tried to activate my new debt card it was saying the lights were too dark in the room for the webcam during XXXX. I carried more lights over to the webcam like about 2 years ago ( repeating what worked last time in the past ) today on XXXX. However, there's a new error that appeared. Coinbase is no longer allowing me to use my computer 's webcam like last month in XXXX ; now it's locked or forcing a " Phone '' method that fails and instructs me to use my computer. I am only using a computer like in the past. I messaged the Coinbase support since the phone number on the back of my bank card hangs up and give instructions to message support only on coinbase.com. The Coinbase XXXX gave me the XXXX XXXX : # XXXX. I informed the coinbase support that last month XXXX coinbase.com verification was working by asking me to allow access to my webcam on my computer, but the only issue was it was slightly too dark for the webcam to read the Ohio state driver 's license ID via webcam. I also told support on XXXX that I carried more lights over like around 2 years ago and now it should work, but the coinbase.com verification was now forcing " Phone '' verification method only and no longer popping up the option for my computer 's webcam like in XXXX and in the past. It's like they added a lock or block when the too dim lights were used. I asked them to refresh it and I tried a XXXX browser and the troubleshooting steps ; all of which failed. I informed coinbase.com support that I will open a consumerfinance.gov complaint and we can try and work together to get the verification resolved like in the past. Screenshots show two different browsers with the same issue after clearing the cache on the XXXX browser. Tried all troubleshooting steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I attempted several times to dispute invalid rental reporting on my transunion credit report. I was a victim of XXXX  's data breach and XXXX  data breach. I provided proof and an ftc report. Transunion has taken several months and still has not removed the following items 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 XXXXXXXX I reported this and requested these items to be blocked and removed in XXXX, XXXX and XXXX of XXXX. It is nearly XXXX and they did not adequately resolve my previous CFPB complaint, claiming I have an existing open dispute... WHICH STILL HAS NOT BEEN RESOLVED EITHER. 

Is it not the credit reporting agency 's duty to complete this in a reasonable time-frame? It's been 3.5 months. I am suing next.

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