vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code 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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/year> account was closed due to being overdrawn XXXXXXXX XXXX  after filing a dispute for unauthorized charges and the credit was reversed and now my account is closed and in collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report recently. I have already made several attempts to resolve this matter directly with your company, yet you continue to violate my rights. Because of these violations, I am entitled to {$1000.00} per violation under federal law. At this moment they either compensate me for the damages they have caused or permanently remove these inaccurate accounts from my credit report right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to request your assistance in resolving a matter with Kia Finance America regarding what I believe to be inaccurate and unfair credit reporting in violation of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. 
I am a joint account holder on an auto loan with Kia Finance America. My concern pertains to the reporting of five late payments to the credit bureaus ( XXXX XXXX XXXX XXXX ) during the pandemic period, despite protections afforded under the CARES Act. 
The following delinquencies are reported on my credit file : 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 XXXX XXXX XXXX XXXX creditors were instructed not to report accounts as delinquent if accommodations were made due to COVID-19 hardships. I experienced severe financial difficulty during this period due to illness from COVID-19 affecting both myself and my co-signer. I was unable to work for an extended period, which directly impacted my ability to make timely payments. 
I believe these reported delinquencies are either : Erroneous, given the accommodations expected under the CARES Act ; Disproportionate and unjust, considering the extraordinary circumstances and national protections in place during the pandemic. 
I have made every effort to resolve this matter directly with Kia Finance America by requesting a goodwill adjustment and presenting my situation honestly. Despite this, the late payments remain on my credit reports and are negatively affecting my ability to secure a mortgage and improve my financial stability. 
I respectfully request that the CFPB investigate this matter and assist in compelling Kia Finance America to : Remove or correct the five late payments from my credit report ; and Provide documentation showing why these delinquencies were reported despite CARES Act protections.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. Pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, the information on my report must be accurate, complete, and verifiable. I am requesting verification of these late payments, and if they can not be validated, that they be corrected or deleted.

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 2025-09-23 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: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report recently. I have already made several attempts to resolve this matter directly with your company, yet you continue to violate my rights. Because of these violations, I am entitled to {$1000.00} per violation under federal law. At this moment they either compensate me for the damages they have caused or permanently remove these inaccurate accounts from my credit report right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 reported to be removed/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. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-23 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: MI

Complaint narrative:
I am filing this complaint because the credit bureaus continue to report inaccurate late payments on my credit file despite my disputes. These errors relate to accounts with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

The reported late payments are inaccurate and constitute billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ), including : Failure to accurately reflect payments I made.

Computation or accounting errors in how payments were applied.

Failure to provide statements 21 days prior to the alleged due dates, which makes any late payment reporting invalid. 

I specifically dispute the payment history reporting for : XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple late payments reported ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  I have requested documentary evidence showing that I was late in making these payments. To date, no such proof has been provided by the furnishers or the credit bureaus. 

FCRA & FCBA Violations 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed items.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1666 ( b ) : Failure to correct billing errors and inaccurate payment history 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding an alleged XXXX account. Please be advised : I do not acknowledge or owe this alleged debt. 

You have not provided any verification that this debt belongs to me. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you immediately provide full validation of this debt, including but not limited to : A copy of any contract or agreement bearing my signature that proves I am legally obligated.

A complete account history, showing the charges, payments, and how the amount you claim was calculated.

The name and address of the original creditor, along with proof that you are authorized to collect this debt.

Until you provide such documentation, you must cease all collection activity, including phone calls, letters, or electronic communication. Any further reporting of this alleged debt to the credit bureaus without proper validation will be considered a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and Metro 2 compliance standards.

Specifically, under Metro 2 guidelines and the FCRA, reporting unverifiable, inaccurate, or incomplete information is prohibited. If this alleged debt is being reported without validation, you are in violation and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Furthermore, under FDCPA 1692c ( c ), you are hereby instructed to cease all further communication with me, except to provide the legally required debt validation or to notify me of specific legal action.

Failure to comply will result in immediate escalation and legal remedies available to me under state and federal law. 

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 explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-23 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-23 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: OR

Complaint narrative:
I am filing this complaint because TransUnion is reporting an inaccurate XXXX XXXX account and related collections, despite XXXX own conflicting statements and use of multiple XXXXparty collectors. 
I disputed unauthorized charges with XXXX XXXX. XXXX FCC response letter ( dated XX/XX/year> ) referred me to XXXX XXXX XXXX ( XXXX ) for further issues. 
Shortly afterward, I began receiving new collection attempts from XXXX XXXX in XX/XX/year>, claiming I owe {$400.00} on behalf of XXXX XXXX. 
These conflicting assignments between XXXX and XXXX show that the account is not being handled consistently or accurately. 
Despite this, TransUnion continues to report a XXXX XXXX account under my credit file, which is inaccurate, misleading, and harmful. 
Violations : This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) because TransUnion has failed to properly investigate and correct inaccurate or disputed information.

It also violates 15 U.S.C. 1681s-2 ( b ) since both XXXX and its agents have provided inconsistent ownership and collection status, yet the tradeline remains. 
Reporting of an amount that does not match the alleged contract or collections communications is further evidence of inaccuracy.

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 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I have not had any contact with XXXX for over a year now I canceled and terminated my account with them last XXXX and I just now got a debt form a collections agency after almost more then a year ago I paid off and canceled and deactivated my account with a member of there team over the phone I paid the final amount which was XXXX dollars which is a lot of money and there still trying to take XXXX dollars worth of debt that I dont know what the cause could be I paid my final amount and the XXXX account has been terminated for almost a year and now I get this. I have also been for almost half the year on workers comp I can not afford to pay a debt that I did not commit

Company response to consumer: Closed with explanation