vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. * * Account Name : * * XXXX XXXX XXXX XXXX * * Date : * * XX/XX/year> * * Subject : * * Incomplete and Incorrect Information in My TRANSUNION Credit Report This company is in collection and it also sold my information to another company which is also in collections.

Upon reviewing my TRANSUNION credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2025-07-08 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I been having trouble with Experian updating my personal info like my name and address I have sent them documents after documents and I can't never reach them on the phone and one more thing they won't update my name correctly and it is spell XXXX XXXX XXXX they have it on my credit file as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Subject : Credit Bureau Failed to Correct Inaccurate Late Payments After Reinvestigation XXXX XXXX XXXXccount Complaint : I am filing this complaint against the credit reporting agency for failing to properly reinvestigate and remove inaccurate late payments reported on my XXXX XXXXXXXX account, in violation of my rights under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). 

Despite submitting a formal dispute regarding the late payments reported by XXXX XXXX, the credit bureau completed the reinvestigation without providing the reasonable procedures or required documentation to verify the accuracy of the negative information. 

Per 15 USC 1666 ( b ), creditors are required to provide proof that billing statements are sent at least 21 days prior to the due date to ensure fair notice. The credit bureau has failed to obtain or present any such evidence from XXXX XXXX. 

Furthermore, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), a consumer report should not contain information based solely on transactions or experiences between the consumer and the creditor if it negatively affects the consumers credit standing. The late payments reported by XXXX XXXX directly impact my credit profile and are part of my direct transaction history with the creditor, which should not be furnished without proper validation. 

Since the credit bureau failed to correct or remove this information after my dispute and did not provide legally required documentation justifying its continued reporting, I am requesting that the CFPB investigate this matter and ensure that the inaccurate late payments are permanently removed from my credit report. 

Account involved : XXXX XXXX Account # : XXXX Relief sought : Immediate deletion of the inaccurate late payments from all consumer reporting agencies ( Equifax, Experian, and TransUnion ) and confirmation of correction sent to me in writing. 

Thank you for your assistance in protecting my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 
Sincerely, 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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Rented a car with XXXX while in XXXX ( XXXX ) this XXXX. 

Was charged a month later for {$170.00} more with no email on why I got charged the extra fee. Left a bad review on XXXX, company told me to contact customer service. I never got an email back after filing my complaint. 

Bank of America wont refund me the money despite XXXX not responding since they see no higher charge. 

Dropped car off in morning, so company gave me no receipt. Car was paid for in advance through XXXX XXXX. 

I feel like XXXX is committing fraud and targeting Americans

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 2025-07-08 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: NC

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: WI

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 non-monetary relief
Consumer complaint received 2025-07-08 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: WI

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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Needed some dental work done to replace some missing teeth. Utilized the dentist finance company due to the cost of the implants and enrolled in automatic payments. After a few years of making payments I thought the debt was pay off, only to find out that the debt was sold to a collection company. The collection was passed to a law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ) and applied the collection to 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 2025-07-08 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX Red XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00}

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IA

Complaint narrative:
Since XXXX, the 3 credit reporting agencies Transunion, Equifax, and Experian have been reporting a missed payment or payments for my XXXX auto loan account. This missed payment has been reported for XX/XX/year>, XX/XX/year> sometimes both as my report has changed multiple times always reporting inaccurate information. XXXX has sent the credit bureaus multiple audits and documents in an attempt to remove these reported missed payments entirely, because I have not missed ANY payments. Each time, the credit bureaus change my report to reflect a missed payment for either XXXX, or XXXX of 2025 but as of this date have not removed the missed payments entirely as requested by XXXX, and myself in multiple disputes I have filed which come back as 'verified ' each time. I can only assume that since XXXX is requesting these missed payments be removed and I am also requesting the same, that the credit bureaus are not investigating my disputes as legally required by law and are instead doing whatever they want.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was applying for a business loan and my bank notified me that transunion is reporting that I missed a payment XXXX of 2024 they sent me a letter stating that isn't the case but after XXXX disputes with transunion and they won't remove it even after sending the letter 3 times and numerous phone calls with them and 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 2025-07-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nSubject: Request for Investigation of Inaccurate Information on Credit Report\n\nDear [Experian / TransUnion / Equifax] Representative:\n\nI am writing to dispute inaccurate information appearing on my credit report related to the following account:\n\n- Creditor Name: XXXX XXXX XXXX XXXX\n- Reason for Dispute: The information is inaccurate and does not accurately reflect the account status.\n\nI am requesting a formal investigation pursuant to the Fair Credit Reporting Act (FCRA). I ask that you verify this information directly with the creditor. If you cannot verify its accuracy, I request that this account be removed from my credit history.\n\nI attach a copy of my government-issued ID and proof of address to validate my identity.\n\nI appreciate your attention to this matter and look forward to a written response within the legally mandated 30-day period.\n\nSincerely, 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nSubject: Request for Investigation of Inaccurate Information on Credit Report\n\nDear [Experian / TransUnion / Equifax] Representative:\n\nI am writing to dispute inaccurate information appearing on my credit report related to the following account:\n\n- Creditor Name: XXXX XXXX XXXX XXXX\n- Reason for Dispute: The information is inaccurate and does not accurately reflect the account status.\n\nI am requesting a formal investigation pursuant to the Fair Credit Reporting Act (FCRA). I ask that you verify this information directly with the creditor. If you cannot verify its accuracy, I request that this account be removed from my credit history.\n\nI attach a copy of my government-issued ID and proof of address to validate my identity.\n\nI appreciate your attention to this matter and look forward to a written response within the legally mandated 30-day period.\n\nSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
I am a victim of identity theft. I have been fighting with the credit bureaus for like 8 months now about this and it is getting pretty ridiculous. I was able to get the XXXX account that was opened fraudulently in my name off of XXXX  and XXXX  and the credit card company is not even trying to collect on it anymore. For some reason, TransUnion will not take the account off. What they are doing is illegal. I have sent them my law enforcement report. I have sent them letters demanding they send me information back and they do nothing They need to be held accountable. I really need assistance with this. It is unreal. They need to be held accountable. At this point. in addition to correcting the report, I am going to need to be compensated for the time I have wasted on this.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Im disputing an entry from XXXX XXXX XXXX XXXX on my ChexSystems report. It lacks details like the amount owed and documentation, and I was never notified before it was reported. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), please investigate and delete this INACURATE entry.

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