vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
This is a new complaint based on new evidence that Equifax misrepresented its previous CFPB response case number XXXX Equifax stated XXXX the late-payment tradelines for Freedom Mortgage, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX not XXXX XXXX. 
However, my official Equifax credit report dated XX/XX/XXXX ( confirmation # XXXX clearly shows those tradelines and the XX/XX/XXXX late payment. 
This proves that at the time of their prior CFPB response Equifax gave false or misleading information and failed to conduct a reasonable reinvestigation as required by FCRA XXXX. 
I request that the CFPB require Equifax to open a new reinvestigation, provide a written explanation of its verification process, and delete the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
I am filing this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling my dispute regarding the following tradeline : - XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, I sent TransUnion a formal written dispute via certified mail. XXXX tracking confirmed delivery. Under FCRA XXXX, TransUnion was required to complete a reasonable reinvestigation and provide a proper response within 30 days. 

Instead of providing a valid reinvestigation, on XX/XX/year>, TransUnion sent me only a generic email stating that my dispute was 'received ' and that it XXXX take up to 30 days. This is not a reinvestigation, nor does it satisfy their duty to contact the furnisher and provide documentation verifying the account. The email was a stall tactic that failed to provide any evidence or results. 

As of today, TransUnion has not produced verification or documentation from the furnisher. This is a direct violation of my rights under the FCRA, as confirmed in cases such as XXXX XXXX TransUnion, which held that credit bureaus can not rely on cursory responses or automated processes to satisfy their obligations. 


Requested Resolution I request that the CFPB enforce the FCRA and direct TransUnion to immediately delete the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  tradeline. Because TransUnion failed to complete a reasonable reinvestigation within the XXXX statutory period, deletion is required 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 explanation
Consumer complaint received 2025-09-12 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: CO

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The money is missing from my wallets. All transactions shown in screenshots are missing from my wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: WI

Complaint narrative:
YOUR COMPLAINT I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are injurious to my credit score. In accordance to the fair credit reporting act law 91-56 Title VI Section 61, please provide the names, the addresses, and individual whom I verify this with above, so I may follow up. Please send my credit report after your investigation. 

Kickoff Lend Kickoff XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing fraudulent accounts that are currently being reported under my credit file. These accounts were never authorized by me and represent inaccurate and damaging information. Their continued presence on my record is unacceptable and must be corrected.

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 2025-09-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-09-12 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: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
charles schwab is illegally " sharing '' my financial information with third parties as of XXXX XXXX i filed a complaint and the cfpb marked it a duplicate. impossible. it can not be a duplicate of a complaint filed before XX/XX/XXXX, the event occurred on XX/XX/XXXX. the communication says to report fraud by calling the company. i dont not have a phone due to rico crime and violent threats. i can not call the company. i am reporting the fraud here. i would appreciate it if the cfpb could relay the fraud alert to the company instead of closing the complaint as a duplicate. it is not a duplicate. action is needed. they are still sharing information. they said to contact them. this is me contacting them. additionally someone at XXXX  sold my social security number and birthday recently. any activity on it is fraudulent. i haven't used it in a year. i'll need a new one to accept any bankruptcy settlement. XXXX XXXX my contact information on this form is out of date, and ill not be proving any bank with new information. i can only be reached by XXXX XXXX XXXX. contact them to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
Just having an issues keeping the money in my acct!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account 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 date.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
My account 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 date. 


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 2025-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit 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 explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX 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 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is illegally " sharing '' my financial information with third parties as of XX/XX/XXXX. 
i filed a complaint and the cfpb marked it a duplicate. impossible. it can not be a duplicate of a complaint filed before XX/XX/XXXX, the event occurred on XX/XX/XXXX. the communication says to report fraud by calling the company. i dont not have a phone due to rico crime. i can not call the company. i am reporting the fraud here. i would appreciate it if the cfpb could relay the fraud alert to the company instead of closing the complaint as a duplicate. it is not a duplicate. action is needed. they are still sharing information. they said to contact them. this is me contacting them. 

additionally someone at transunion sold my social security number and birthday recently. any activity on it is fraudulent. i haven't used it in a year. i'll need a new one to accept any bankruptcy settlement. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: WI

Complaint narrative:
I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX In accordance to the fair credit reporting act law 91-56 Title VI Section 61, please provide the names, the addresses, and individual whom I verify this with above, so I may follow up. Please send my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX In accordance to the fair credit reporting act law 91-56 Title VI Section 61, please provide the names, the addresses, and individual whom I verify this with above, so I may follow up. Please send my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Durrett Motor Company, Inc.
State: TX

Complaint narrative:
I am writing to state that I do not recognize or authorize several of the negative accounts and hard inquiries that are appearing on my credit report. I was not aware of these accounts or inquiries, and I have never given permission for them to be opened or reported in my name. These items are inaccurate and misleading, and I am disputing them in full. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., any information that is incomplete, inaccurate, or unverifiable must be removed from my credit report. Because these accounts and inquiries do not belong to me, I am requesting their immediate deletion from my credit file. I am making this statement to clearly document that I do not accept responsibility for these accounts or inquiries, and I request that the credit reporting agencies and any data furnishers conduct a proper investigation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
Re : Disputing the charge-off account reported as : Creditor : XXXX  XXXX Account Number : XXXX The last payment date being reported is inaccurate and does not match the payment history shown on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires maximum possible accuracy.

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 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In response to complaint The record reflects monthly payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not applied to the appropriate due dates. The company acted in negligence not applying timing payment resulting in late fees and subsequent attorney fees. 
Again, in XX/XX/XXXX the payment was held in suspense resulting in errors in the Citizens Mortgage delinquency records of 120 days ( 4 months ). 

Looks like again payment was not applied on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America reported a 30-day late payment on my credit card account ending in XXXX. This was the only negative mark on an account that had been in excellent standing for over five years with consistent on-time payments and no history of delinquency. 

The late payment occurred because Bank of America switched my account to electronic-only ( paperless ) billing without my authorization or knowledge. I was not notified of this change, nor did I consent to it. As a result, I did not receive a billing statement or due date notice during the billing cycle in question. When I became aware of the missed payment, I was distraught but immediately paid the full balance and closed the account a decision made out of frustration, not financial inability. 

I contacted Bank of Americas customer service shortly after the payment and explained the situation in detail. I requested a goodwill adjustment given my 5+ years of perfect payment history, the one-time nature of the oversight, and the fact that the error stemmed from an unconsented change in billing method. Unfortunately, the bank declined my request and denied any error on their part. 

This single late payment has now remained on my credit report for over XXXX years and will remain until XXXX, despite being an isolated event caused by a procedural issue outside of my control. I am requesting that the CFPB investigate this situation, as I believe the negative mark is unfair and does not accurately reflect my creditworthiness or payment behavior. 

I have documentation showing my positive payment history and account closure, but I am unable to prove the unauthorized transition to paperless billing as it was not initiated or consented to by me. I ask that Bank of America reconsider its position or that the CFPB advocate on my behalf for the removal of this single derogatory mark.

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