vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: FL

Complaint narrative:
I am reporting inaccurate information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureaus. The account is being reported as unpaid which is incorrect. I have already disputed this with the credit bureaus and with directly, but the information has not been corrected. 

XXXX XXXX XXXX continues to report inaccurate and false information on my credit report. The original account was with XXXX XXXX XXXX, which initially claimed I owed {$3600.00}. After I requested an itemized bill, I discovered that several charges were for services I never received. As a result, the balance was corrected to {$130.00}, which I paid in full on XX/XX/XXXX. 

I have contacted both XXXX XXXX XXXX and XXXX XXXX XXXX and each confirmed that the account would be deleted from my credit report. However, as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX continues to report this inaccurate information, which is negatively affecting my credit score. 

Attached are copies of my proof of payment verifying the account was paid in full and should no longer be reported. 

I am requesting that the CFPB require XXXX XXXX XXXXr and XXXX XXXX XXXXXXXX to investigate this matter, correct or delete the inaccurate information from all credit reporting agencies, and confirm compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DailyPay, Inc
State: GA

Complaint narrative:
There was a XXXX dispute made on this account for being over charged and for services that were paid but not provided 2 months ago. They approved the claim and credited the account but as soon as they credited the account the took the credits back individually. On XX/XX/year>, DailyPay placed my account XXXX for the same transactions for the same amounts they deducted 2 months ago. It was deducted from my account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified XXXX  days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XXXX  days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$540.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$130.00} XXXX  Date Opened XX/XX/XXXX Balance {$6500.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$620.00} * * Inquiries * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

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 ] 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 explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Greetings, I have two CDs with Wells Fargo at a good return percent. They came up for renewal. Letters said I had until XX/XX/XXXX, XXXX. After multiple attempts to go into the branch, and calls to the XXXX number I could not get in by XXXXXXXX XXXXXX/XX/XXXX ; so I went in on XXXXXXXX XXXX 

Wells Fargo makes it almost impossible to manage your CDS. 
XXXX. Grace period includes weekends, banks are not open on weekends XXXX. Limited appointment availability in branch, for working people. 
XXXX. Inconsistent messaging on how one can manage the CD. 
XXXX. 1800 number said I had to go into the bank, when int he bank they said I could use 1800 number XXXX. Bank said I needed my husband to be present to renew /change the CD terms ; then another bank person said I didn't.

6. My husband was out of town during the grace period XXXX. No online ability to manager CDs XXXX. Ultimately they have locked my money int he lowest possible CD rate 1 % or so ; without significant penalty Wells Fargo practices are misleading in all directions. They say you have until a certain date and include weekends in their counters, but do not provide reasonable access and send mis information when you do get in contact with them. This is a costly costly situation to customers. They would not re-consider resetting my CDs 1 day after the expiration, even though they admit they limit accessibility. Communicated to me they are bringing an online option to manage soon. That is no use to me now.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The removal of disputed accounts must occur within the time limits set by 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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: NJ

Complaint narrative:
today on Tuesday XXXX I called FirstLatitude and asked them about why my credit availability said XXXX. They then said it was in my credit card agreement that if a return payment happened they would put my funds on hold for XXXX days. Ive then read my credit card agreement and confronted them and told them that none of that was stated so they put me on a long hold and then said that it was an internal policy and I asked them to send me where it said that in the policy and he declined to do so and said that they dont have a way to and I said I will be reporting this and he said go ahead and do that. His name was XXXX I would like this credit card account closed without it affecting my credit and I would like my money back immediately. this establishment meant to be shut down for scamming people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: ID

Complaint narrative:
I am writing to file a formal complaint against Penn Credit Corp regarding their handling of an alleged debt and subsequent reporting to credit bureaus. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ) and demonstrate unfair debt collection practices.

Penn Credit Corp. reported a debt of {$950.00} to XXXX, XXXX, XXXX  on. I was never contacted by Penn Credit Corp. prior to this reporting. I received no initial notice of the debt, nor was I given an opportunity to verify its validity before it negatively impacted my credit report.

Upon discovering this reported debt, I contacted Penn Credit Corp. on [ Date of first contact ] and requested validation of the debt, as per my rights under the FCRA. I specifically requested documentation proving I owed this debt, including the original creditor information, the date the debt was incurred, and an itemized accounting of the amount due.

Despite my request, Penn Credit Corp. has failed to provide any documentation substantiating the alleged debt. Their representatives have been unable or unwilling to provide proof of the debt 's origin or validity.

I believe Penn Credit Corp. has violated the following : 15 U.S.C. 1681i ( a ) Failure to provide adequate debt validation upon request.

15 U.S.C. 1681s-2 ( a ) Improper reporting of information to credit reporting agencies without a reasonable investigation.

Fair Debt Collection Practices Act ( FDCPA ) While Penn Credit Corp. may claim to be a debt buyer and not a debt collector, their actions of reporting to credit bureaus without prior contact or validation are misleading and harmful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
FCRA rules states that this is a inaccuracy because it is the wrong XXXX XXXX this XXXX XXXX does not live at XXXX XXXX XXXX and the phone number of the account Is not correct. So it must be removed from XXXX XXXX XXXX, XXXX XXXX and Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I regularly monitor my credit report because maintaining a good credit score is important to me, but I keep seeing multiple inaccurate and false accounts reported under my name. This has been a recurring issue that has not been corrected despite my previous attempts to address it. Its extremely stressful and exhausting to deal with, and these inaccuracies are unfairly damaging my credit score and affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I received a call from Amshare from a XXXX she hung up on me I called back got another girl and then transferred to the XXXX after calling back a XXXX time and requesting a XXXX right away they were all extremely disrespectful, yelling into the phone, disruptive, talking over me, and making rude comments even the XXXX himself. Absolutely no basic human respect or decent customer service whatsoever. I tried explaining that the situation was already getting taken care of but did not even get a chance to talk at all I believe the entire workplace had a bad day or something but something needs to be fixed the call was completely uncalled for in the first place and once I tried explaining that it was already in the process of being taken care of the situation escalated quickly due to the debt collectors lack of humanity. The service here is absolutely terrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

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.

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 2025-10-28 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: TX

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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