vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
My account with EQUIFAX 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 da
te.

EQUIFAX 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 2025-05-02 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed inquiries.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year>, I signed up Chime using my friend 's referral link. 
On XX/XX/year>, I completed requirements and received my bonus as referee ( receiving referral ). 
However, my friend never received his referrer bonus ( sending referral ) as of XX/XX/year>. 
I make multiple chats/calls on XXXX 2025 and the last time I called was XX/XX/year>. And Chime told me on their backend it shows " XXXX XXXX '' was the one who referred me but I don't know this " XXXX XXXX '' and never used his/her referral link during my sign up. 
Chime refused my request to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX account # XXXX This account is reporting XXXX and XXXX as 30 days late. although i may have been a few days late I was never 30 days late. I request this be updated to current. Under 15. U.S.C 1692 ( c ) I request the investigation into this and proof of investigation or account be updated to current. 

XXXX XXXX XXXX account # XXXX This account is reporting XXXX, XXXX and XXXX as 30 days late. although i may have been a few days late I was never 30 days late. I request this be updated to current. Under 15. U.S.C 1692 ( c ) I request the investigation into this and proof of investigation or account be updated to current. 

XXXX XXXX XXXX XXXX # XXXX This account is reporting XXXX XXXX  60 days, XXXX, XXXX, XXXX and XXXX  120 days. all other months as 30 days late. although I may have been a few days late I was never 30 days late. I request this be updated to current. Under 15. U.S.C 1692 ( c ) I request the investigation into this and proof of investigation or account be updated to current.

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 2025-05-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is showing a hard inquiry from XXXX XXXX dated XX/XX/year>. I did not authorize this inquiry, nor did I initiate any application with XXXX or permit my credit to be accessed for any lending or leasing purposes on or around that date. Experian is obligated under 15 USC 1681b to ensure that every inquiry on a consumers credit report is made for a permissible purpose. In this case, no permissible purpose existed, and my rights were violated when Experian allowed my report to be accessed without proper authorization. This unauthorized access may be the result of a data breach or identity compromise that should have been flagged and investigated before an inquiry was posted.

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 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 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.

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 2025-05-01 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and I am formally requesting and invoking my rights as a federally protected consumer to challenge the accounts listed in this report. This letter serves as a formal dispute for collection accounts reported on my credit XXXX. Pursuant to FCRA 15 U.S Code 1692c ( C ), I demand the immediate removal of all disputed accounts. These collections are unverified and reported without proper validation. As my rights under federal law have been violated, I request the deletion of these accounts from all bureaus. Please confirm the removal or provide me with proof of these debts. Additional Unauthorized Inquiries : XXXX 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 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 2025-05-01 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and I am formally requesting and invoking my rights as a federally protected consumer to challenge the accounts listed in this report. This letter serves as a formal dispute for collection accounts reported on my credit XXXX. Pursuant to FCRA 15 U.S Code 1692c ( C ), I demand the immediate removal of all disputed accounts. These collections are unverified and reported without proper validation. As my rights under federal law have been violated, I request the deletion of these accounts from all bureaus. Please confirm the removal or provide me with proof of these debts. Additional Unauthorized Inquiries : XXXX 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Subject : FCRA Violations by Experian, Equifax, and TransUnion Reporting Inaccurate, Unverified, and Unauthorized Information I am filing this formal complaint against Experian, Equifax, and TransUnion for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. These credit bureaus are reporting unauthorized, inaccurate, unverifiable, and reinserted information on my credit file despite my prior disputes and the presence of a fraud alert.

Violations Include : * FCRA 605B Reporting of fraudulent information without blocking after being notified * 15 U.S.C. 1681c-3 Failure to block identity theft information upon proper request * 15 U.S.C. 1681s-2 ( a ) ( 7 ) No documentation provided to verify I own or authorized these accounts * 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserted previously deleted data without proper notice or certification * 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reported information * 15 U.S.C. 1681b Reporting inquiries and data without permissible purpose * 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance, resulting in consumer harm Items That Must Be Removed : Collections : * XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$510.00} XXXX  XXXX  XXXX XXXX XXXX  {$290.00} Hard Inquiries ( Unauthorized ) : * XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Accounts Reported Without Proof : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not authorized by me, I never signed or agreed to them, and no documentation has ever been provided. The accounts also contain inconsistencies, inaccurate balances, unverifiable payment history, and noncompliant Metro 2 fields.

Harm : Due to these violations, I have suffered : * Lowered credit scores * Denied access to fair credit * Emotional stress and financial harm * Ongoing reporting of fraudulent accounts despite a fraud alert on file Relief Requested : I request the CFPB to : 1. Investigate the conduct of each credit bureau and data furnisher 2. Ensure permanent deletion of all listed inaccurate and unauthorized information 3. Require the bureaus to provide an updated and corrected copy of my report 4. Take enforcement action for violations of federal law 5. Impose penalties for willful and negligent noncompliance under 1681n and 1681o

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I signed up for a new checking account that was available on my account online. The promotion was for {$300.00} bonus for opening a new checking account and completing about XXXX in direct deposits in the first 90 days. I fulfilled the requirements but still have not received the bonus of {$300.00}! 

Please fix this. 

Thanks, 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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Sent in a check from our HELOC to pay off our capital one credit cards on XX/XX/year> but when we called on XX/XX/year> we were told the payment in check form couldnt be accepted because it was from an unverified account that we dont typically pay our bills with and had XXXX payments on one check, so would need to pay credit cards separately online with regular account. We were told the check we sent in would be properly destroyed. I paid off our capital one credit cards online as instructed but found out on XX/XX/year> that the check I sent in on XX/XX/year> was washed and written out to XXXX XXXX  for exact amount I had sent in to capital one to pay off our cards. This check was fraudulent/forged/washed and cashed at XXXX XXXX. We have filed a police report, contacted XXXX where our account is through that the check was written from and I contacted capital one to let them know that our check was not properly disposed of and that either one of their employees waged and forged the check or gave it to someone to do or it just wasnt disposed of properly by one of their employees. Capital one said they would investigate but couldnt give me much info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was advised by an Equifax and Transunion  rep to fill out this report because of unauthorized inquiries in my credit report. Please remove all of these fraud ( unauthorized ) from my report. 


Please remove all of these fraudulent inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This debt it's from my ex wife account I never used the card to make any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I contacted transunion several times and sent in several cerfied mail identy theft reports they said they were missing address or have not been received but other credit bureaus received and stated working on the ftc 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 2025-05-01 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: OH

Complaint narrative:
Here is my fraudulent inquiry : XXXX XXXX XXXX  XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint 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 XXXX. 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 result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened atThese accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
I sent FTC and ID theft affidavits to TransUnion, Equifax, and Experian credit Bureaus. I asked them to STOP reporting these fraudulent accounts as they are causing me financial harm. NOTHING has been done so far.

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