vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I am submitting a complaint for the inaccurate reporting of late payments on XXXX different accounts. These late payments are being reported incorrectly, inconsistently, or without proper verification. This violates multiple sections of the Fair Credit Reporting Act and other consumer protection laws. I request a full investigation and removal of any late payments that can not be verified according to Federal law. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states that I have the right to privacy in the reporting of my information.

Under 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my consumer report or account information without my written instructions or permissible purpose. Any information supplied without proper authorization is a violation.

Under 15 USCS 1666b, a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late unless : The payment was received after the payment due date and time ; and The due date was clearly disclosed with a reasonable amount of time for delivery. 
If these conditions were not met or if the creditor can not produce documented proof the late payment is invalid and must be removed. 

XXXX. Creditor : XXXX Account Number ( Last XXXX ) : XXXX  Months Showing Incorrect Late Payments : XX/XX/XXXX XXXX. Creditor : XXXX XXXX Account Number ( Last XXXX ) : XXXX Months Showing Incorrect Late Payments : XX/XX/XXXX XX/XX/XXXX XXXX. Creditor : XXXX XXXX  Account Number ( Last XXXX ) : XXXX  Months Showing Incorrect Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Creditor : XXXX Account Number ( Last XXXX ) : XXXX Months Showing Incorrect Late Payments : XX/XX/XXXX Issues Noted : CO ( incorrect as well showing the year before, when a year of payments made afterwards ) all around inaccurate. 
I request that the CFPB require the furnisher ( XXXX ) and the credit bureaus to : Conduct a reasonable investigation into each late payment month listed Provide documented proof showing : Actual payment posting date Actual due date Whether payment was received before cutoff time Properly issued billing statements Correct or delete any late payments that are inaccurate or unverifiable If the creditor can not prove the accuracy of each late payment in accordance with 15 USC 1681, 15 USC 1681b, and 15 USCS 1666b, the information must be removed. 
I certify the information in this complaint is true and accurate to the best of my knowledge.

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 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ

Complaint narrative:
I received a court proceeding document ( attached ) from the XXXX XXXX XXXX New Jersey claiming that XXXX XXXX XXXX is suing my XXXX XXXX XXXX son. I called the courthouse but they have no record of a lawsuit. 

Upon further inspection of the lawsuit, at the bottom of the lawsuit court filing in small print it says it is an attempt to collect a debt! This is, of course, illegal. 

Under the FDCPA, it is unlawful for a collector to : Falsely imply that a lawsuit has been filed Send documents designed to look like court documents Threaten legal action that they do not intend to take Misrepresent the legal status of a debt These are violations under 15 U.S.C. 1692e. 

The name of the law firm using these illegal tactics is : Celentano, Stadtmauer & Wallentowicz, LLP located in XXXX NJ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MI

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 XXXX 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 2025-11-14 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: SC

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Equifax credit report. These items may contain inaccuracies and need to be corrected. 

Charged Off Accounts : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Inquiries : ( No inquiries listed for EQ ) Positive Accounts : ( No positive accounts listed for EQ ) Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I am requesting that Equifax investigate and correct inaccurate information on my credit report. The following accounts are inaccurate and must be removed : Accounts to be Completely Removed : XXXX XXXX Account ending XXXX {$6600.00} XXXX XXXX Account ending XXXX {$3900.00} XXXXXXXX XXXX  Account ending XXXX {$2100.00} XXXXXXXX XXXX Account ending XXXX {$12000.00} XXXX ( XXXX XXXX ) Account ending XXXX {$2200.00} XXXX XXXX XXXX  Include Account Number if available ] Late Payments : XXXXXXXX XXXX Account ending XXXX I dispute all reported late payments and request that they be cleared. 

Positive Accounts : XXXX XXXX Positive payment history should remain accurate. 

Request : Please remove all inaccurate accounts and clear all late payments on my XXXX XXXX account. Kindly provide confirmation once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of XXXX charge-off accounts on my credit file. The information being furnished is inaccurate, incomplete, and not in compliance with Federal law. I am requesting that the CFPB require the furnisher ( s ) and the credit bureaus to conduct a lawful, reasonable investigation and correct or delete the information. 
Accounts Being Disputed XXXX. Creditor : XXXX XXXX Account Number ( Last XXXX ) : XXXX Charge-Off Date Reported : XXXX Issue/Reason for Dispute : INFORMATION INACCURATE XXXX. Creditor : XXXX  Account Number ( Last XXXX ) : XXXX Charge-Off Date Reported : XXXX Issue/Reason for Dispute : CO REPORTING BEFORE PAYMENT HISTORY INACCURATE. 
FCRA Violations : FCRA 602 ( a ) Accuracy Requirement : Items reported must be completely accurate ; these accounts contain inconsistencies. 
FCRA 611 Right to Dispute : I am disputing both accounts as inaccurate/unverifiable. A reasonable reinvestigation is required.

FCRA 609 ( a ) ( 1 ) Verification Required : I request verification of the dates, balances, charge-off status, and supporting documentation.

FCRA 623 ( 1 ) ( A ) Duty to Report Accurate Information : Furnishers may not report information they know or should know is inaccurate. 
Requested Action : I request the CFPB require the furnisher ( s ) and the credit bureaus to : Conduct a reasonable investigation into both accounts Provide documentation verifying accuracy Correct or delete any data that is inaccurate, inconsistent, or unverifiable Provide written confirmation of changes If the furnisher can not verify the accuracy according to FCRA standards, the account must be deleted.

Declaration I certify this information is true and accurate to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

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 ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
I am writing to dispute an item on my Equifax credit report. The account is listed as a charged-off account with the following details : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation
State: MA

Complaint narrative:
I am filing a complaint because Albert withdrew {$510.00} from an account I did NOT authorize for repayment.

On [ insert date of withdrawal ], Albert attempted to collect repayment for an advance, but instead of debiting the account I selected and authorized, they withdrew {$510.00} from my SAVINGS account without my consent. I never authorized Albert to use this account for repayment of any advance.

This is an unauthorized electronic funds transfer under the Electronic Fund Transfer Act ( Regulation E ), because the company initiated a withdrawal from an account that was not designated, approved, or authorized by me.

I contacted Albert support multiple times and clearly stated that the withdrawal came from the wrong account and was not authorized. They responded by talking about unrelated Albert account balances and did not address the unauthorized transfer or provide any documentation showing I consented to that account being used.

The unauthorized withdrawal drained my savings and caused financial hardship. I am requesting : A full reversal/refund of the {$510.00} taken from my savings account. 
Confirmation of what account Albert claims was authorized.

Prevention of any further unauthorized debits.

Closure of the Albert account after the refund is issued.

I attempted to resolve this directly with the company and they did not address the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist Bank ( formerly Suntrust ) initiated an ACH debit/Card Purchase of {$110.00} on XX/XX/year>, to fund my new personal checking account. The funds successfully left XXXX XXXX. When I called Truist for information, the representative claimed the issue was on XXXX XXXX 's end because Truist does not see or have any proof of the money. However, XXXX XXXX has provided conclusive evidence that the funds were successfully sent to Suntrust Bank 's network. The funds have failed to post to my Truist account, which shows a {$0.00} balance and an error. Truist is the initiating and receiving party in this transfer. I request that the Truist ACH/Disputes team trace the incoming transfer and immediately credit the {$110.00} to my account or process a full, verified return to 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 2025-11-14 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:
: I am disputing the following charged-off accounts, inquiries, and late payments on my TransUnion credit report. These entries appear to be inaccurate and I am requesting that they be reviewed and rectified. 

Charged Off Accounts 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 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 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 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 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 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 2025-11-14 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: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
CAINE WEINER Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: OR

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of multiple late payments on a single account. Equifax is showing several payments as late when, in reality, they were made on time. Despite this being incorrect, these false late marks continue to appear on my credit report and are unfairly damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Continental Services Group, Inc. d/b/a ConServe
State: WI

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : None Inquiries : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 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: CA

Complaint narrative:
This is my second request for this account to be deleted. This account is inconsistent between the big 3 CRAs. Violating multiple FCRA laws mentioned in letter I provided. Including FCRA 611 for no response in 30 days. Please Delete immediately. I have also attached a screenshot highlighting the inconsistencys of the account

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 2025-11-14 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: NC

Complaint narrative:
I am filing a dispute for the following accounts that I believe contain inaccuracies and require investigation. 

Charged Off Accounts : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} The reported balance is incorrect, and I request that it be reviewed for accuracy. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The reported balance is incorrect, and I request that it be reviewed for accuracy. 

Late Payments : 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