vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
I am sending to formally address discrepancies in my credit report and respectfully request a fair and accurate resolution. I ask that you thoroughly review and verify my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be promptly corrected or removed to ensure the accuracy of my credit file. 

Specifically, I am disputing the following items XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX * * Balance Owed : {$85.00} AFFIRM XXXX XXXX * * Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$3200.00} UPGRADE XXXX XXXX * Balance Owed : {$12000.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$6300.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of these items. If any of the information in question can not be substantiated with verifiable documentation, I ask that it be removed from my credit report to prevent any negative impact on my creditworthiness.

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 2025-04-17 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: CA

Complaint narrative:
My account with TRANSUNION 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.

TRANSUNION 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 2025-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc.
State: SD

Complaint narrative:
In XX/XX/year>, I was seen at XXXX ( XXXX XXXX XXXX XXXX ) while fully covered by XXXX XXXX XXXX. 

I have provided official documentation verifying my XXXX coverage ( XXXX  XXXX  XXXX, XXXX  ), but XXXX collections accounts totaling {$4200.00} were still opened through XXXX XXXX in XXXX and XX/XX/year>. 

I never received a bill or any formal receipt proving what insurance info was allegedly missing. These debts are not valid, and the hospital failed to bill properly. I have contacted XXXX, the collection agency, and provided my insurance proof multiple times they have not resolved it. 

This has damaged my credit, and despite making $ XXXX annually, I am denied loans due to this false debt. 

XXXX also recently harmed my partners credit by creating duplicate collection accounts under different spellings of her name for a birth-related bill that was fully paid by check, with proof. XXXX of those accounts resulted in a court judgment, which had to be reversed by local officials once she showed documentation. 

This is a systematic XXXX  happening in our small community, impacting many families. XXXX and XXXX XXXX appear to be engaging in XXXX  or intentional billing errors, leading to unwarranted collections and credit damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Perpay, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Perpays credit reporting practices. 

At one point, a small balance of {$8.00} was reported as 30, 60, 90, 120, and even 180+ days late. I was never made aware that there was a balance due or that I was being reported as delinquent for such a minor amount. By the time I noticed the issue, it had already significantly hurt my credit. 

I contacted Perpay and asked if the negative history could be removed, especially since I had a good payment history before and after this period, and the amount was so small. They declined the request despite the impact this is having on my credit file. 

I also recently checked and saw a {$2.00} balance showing on my credit report, but this balance does not show up at all on my actual Perpay account. I am not being billed for it, and I did not authorize a new purchase. It appears the account is still open simply because I have available spending power, not because I owe anything. 

I believe the ongoing reporting of a balance and the extensive late marks for such a small amount are unfair and disproportionate. I am asking for assistance in having this negative history either removed or suppressed from my credit reports, especially since there is no active balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: MS

Complaint narrative:
In mid XXXX I got a few play cards from XXXX in XXXX Mississippi and they redeemed just fine and added to my balance but when I went to use my money I got an error code to fill out a form which I did over 30 times in the past month that they eventually told me that I redeemed an invalid card. I sent screenshots of all the play cards redemption codes and asked them which one was invalid. They stopped even getting back to me after I sent them all the proof. They convinced me to factory reset my phone and I lost a lot of data from my phone and I lost a lot of the screenshots. Still they just ignored me.

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 2025-04-17 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Apartment XXXX XXXX, Arizona, XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Inaccurate Account Reporting FST PREMIER, Account # : XXXX * * * * To Whom It May Concern, I am writing to formally dispute the inaccurate and incomplete information being reported on my TransUnion credit report regarding the account listed above. 



Summary of Inaccuracies : Date Opened : Reported as XX/XX/XXXX, which does not align across all three credit bureaus and XXXX be inaccurate. 
XXXX XXXX : Listed as {$0.00}, despite it being {$500.00} on other reports. This incorrect limit affects my credit utilization ratio. 
High Credit / Balance : The reported amounts are inconsistent and questionable, especially given that the account is marked as charged off with a full balance due. 
Monthly Payment : Shows {$0.00}, which is inaccurate for a revolving credit card account and misrepresents the account terms. 
XXXX XXXX : Reported as Collection/Charge-Off, yet several months afterward are marked OK in the payment history a clear contradiction. 
Last Payment Date : Listed as XX/XX/XXXX, even though the account is already charged off. This discrepancy needs clarification and verification. 
XXXX Inconsistencies : The information is not only inconsistent within XXXX own file, but also compared to Equifax and Experian, leading to unfair damage to my credit profile. 



Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of reported information.

FCRA 1681i Failure to properly investigate disputed data.

FCRA 1681s-2 ( b ) Furnishers may not report information known to be inaccurate.

FCRA 602 Consumers are entitled to fair and equitable credit reporting practices.

Request for Deletion : Due to the materially inaccurate, unverifiable, and contradictory information associated with this account, I am formally requesting the immediate deletion of this account from my TransUnion credit report.

If the information can not be fully verified with accurate and complete records directly from the original creditor, you are legally obligated to delete it under FCRA 1681i ( a ) ( 5 ) ( A ).

Please respond with the results of your reinvestigation within 30 days, as required by federal law. I request a written confirmation of your findings and an updated copy of my credit report reflecting any corrections or deletions. 

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 non-monetary relief
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am filing this complaint because [ TRANSUNION ] is reporting an account from XXXX XXXX XXXX ( account numbers XXXX * * * * ), XXXX * * * *, XXXX * * * * inaccurately on my credit report. 
The account is a collection account, but it is being reported as an " Open Account '' and a " Factoring Company Account, '' which is misleading and materially inaccurate. 
This violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) which requires " maximum possible accuracy '' and also violates industry-standard reporting guidelines ( Metro 2 XXXX Reporting XXXX XXXX XXXX XXXX which require collection accounts to be reported separately as collection accounts, not as open lines of credit. 
I submitted a formal written dispute and requested deletion or correction of the account. If it can not be verified accurately, it must be deleted. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that [ Credit Bureau Name ] corrects or removes this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reported on my credit report. My Department of Education federal student loans are incorrectly being reported as 120 days late, which is completely inaccurate and damaging to my credit profile. 

I contacted my loan servicer directly, and they confirmed that my loans are currently in deferment until XX/XX/year>. Therefore, there should be no delinquent payments reported for this account during this deferment period.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I noticed that a XXXX late payment was reported on my XXXX XXXX XXXXXXXX credit card XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) for XX/XX/XXXX. 

I wasnt aware that I had missed a payment. I didnt receive any proper notification, and I believed the account was current at the time. Ive always tried to stay on top of my payments, and I dont think this should stay on my report. 

XXXX attaching my ID, XXXX, and proof of address for identity verification. 

Id really appreciate your help reviewing this and removing the late mark. 

Thank you for your time and assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
I am sending to formally address discrepancies in my credit report and respectfully request a fair and accurate resolution. I ask that you thoroughly review and verify my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be promptly corrected or removed to ensure the accuracy of my credit file. 

Specifically, I am disputing the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4800.00} XXXX XXXX XXXX  Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of these items. If any of the information in question can not be substantiated with verifiable documentation, I ask that it be removed from my credit report to prevent any negative impact on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I am sending to formally address discrepancies in my credit report and respectfully request a fair and accurate resolution. I ask that you thoroughly review and verify my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be promptly corrected or removed to ensure the accuracy of my credit file. 

Specifically, I am disputing the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4800.00} XXXX XXXX XXXX  Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of these items. If any of the information in question can not be substantiated with verifiable documentation, I ask that it be removed from my credit report to prevent any negative impact on my creditworthiness.

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