vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: OH

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 2025-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: MIDFIRST BANK
State: IL

Complaint narrative:
XX/XX/year>2024 a tree fell in my house! The mortgage company XXXX XXXX XXXX XXXX has received all necessary documents to proceed with releasing funds! The deposit was made, footing done, & now there is a payment due per the payment schedule & the mortgage company refuse to release said funds

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 2025-04-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a check from a prospective employer as severance pay due to a lack of available work. I deposited the check electronically into my account on XX/XX/year>. However, on XX/XX/year>, my bank account was abruptly closed without any prior notice. 

I immediately contacted customer service and was told to wait XXXX hours for resolution. After following up two days later, I was informed that the bank had decided to terminate our relationship, effective immediately. 

This decision could not have come at a worse time. My regular payday was Friday, XX/XX/year>, and I am currently unable to access my paycheck or any of my funds due to all of my assets being frozen. 

Despite making multiple calls and complying with their request to have the check issuer verify the check, I was told that the verification was not accepted because the phone number used by the issuer was not recognized in their system. This feels like an arbitrary excuse, especially given that the issuer confirmed the legitimacy of the check. 

It is completely unacceptable for the bank to take such drastic action without providing a clear explanation or any timeline for resolution. This situation has put my life on hold and forced me into a financially unstable and extremely stressful position. I deserve transparency, access to my funds, and a fair resolution.

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: IL

Complaint narrative:
My XXXX XXXX XXXX  servicer was XXXX and I had no issues and made my payments on time. Now my loans have been moved to a new servicer called XXXX XXXX XXXX XXXX and I'm trying to make my account so I can make my payments on time as I always have and it's saying they don't have my info. I did some research on the topic and this is happening to many people across the XXXX so that you have late payments and fees and ruin your credit and have to pay even more. It's criminal and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: ND

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-04-14 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 Experian, XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXXXX/XX/year> TransUnion 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 Experian, XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXXXX/XX/year> TransUnion 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. 
As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. 
As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this Identity Theft Affidavit to report fraudulent accounts and collections appearing on my credit report that I did not authorize. The following accounts and all related inquiries/collections are the result of identity theft : 1. A collection account now held by XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, for a balance of {$190.00} ( Account # XXXX ). 
2. A collection account held by XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, for a balance of {$1000.00} ( Account # XXXX ). 
These accounts are inaccurately reporting on my credit file. I did not open or authorize them, and I was not aware of their existence until reviewing my credit reports. These entries are impacting my creditworthiness and must be removed immediately under federal law. 
I have attached an official FTC Identity Theft Report and supporting documentation showing the fraudulent nature of these accounts. 
You can us the reference number to look up the case.

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 2025-04-14 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: FL

Complaint narrative:
I am filing this Identity Theft Affidavit to report fraudulent accounts and collections appearing on my credit report that I did not authorize. The following accounts and all related inquiries/collections are the result of identity theft : 1. A collection account now held by XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, for a balance of {$190.00} ( Account # XXXX ). 
2. A collection account held by XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, for a balance of {$1000.00} ( Account # XXXX ). 
These accounts are inaccurately reporting on my credit file. I did not open or authorize them, and I was not aware of their existence until reviewing my credit reports. These entries are impacting my creditworthiness and must be removed immediately under federal law. 
I have attached an official FTC Identity Theft Report and supporting documentation showing the fraudulent nature of these accounts. 
You can us the reference number to look up the case.

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 2025-04-14 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: FL

Complaint narrative:
I am filing this Identity Theft Affidavit to report fraudulent accounts and collections appearing on my credit report that I did not authorize. The following accounts and all related inquiries/collections are the result of identity theft : 1. A collection account now held by XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, for a balance of {$190.00} ( Account # XXXX ). 
2. A collection account held by XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, for a balance of {$1000.00} ( Account # XXXX ). 
These accounts are inaccurately reporting on my credit file. I did not open or authorize them, and I was not aware of their existence until reviewing my credit reports. These entries are impacting my creditworthiness and must be removed immediately under federal law. 
I have attached an official FTC Identity Theft Report and supporting documentation showing the fraudulent nature of these accounts. 
You can us the reference number to look up the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I received a debt collection letter. I disputed the debt with the agency. I received no contact. The debt was posted to my credit bureaus. I contacted the agency again and asked for proof both via email and by phone. I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I called Transworld Systems as I saw there was a collection account on my credit report from them. Upon speaking to the representative, I asked if I could receive a statement of proof of the debt and the representative got angry and said they've already sent proof. I told the representative I've never received any sort of document detailing the debt and the representative then asked if I was a citizen and if not, they would contact immigration services unless I pay the debt. To my shock -- I was dismayed they would threaten me. I am a citizen of the United States and feel the representative from Transworld Systems was racial profiling me because I have a XXXX name. This company is using nefarious tactics to scare people into paying them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
All I know is when it came down to me XXXX XXXX a loan for mortgage I had an outstanding balance that I know for a fact is not mines XXXX. I dont know who and why I would have such high charges on my account that I know nothing about. I dont if this is a case of a person using a XXXX. I would like any and all debts removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was calling about a atm transfer that was supposed to be immediately available Chime said it was not available and told me I was lying but I showed them it was a pending deposit and contacted the merchant to verify it but yet they still said it wasnt. Then after 11 hours on the phone with them being transferred around and hung up on I was talking to a supervisor and I told her I was charging chime XXXX $ for wasting my time and all the stress they put me through and she said yes I asked her multiple times and told her I was recording the conversation and asked if she agreed to my terms she said yes now they wont honor it and still never admitted that my deposit was what I said it was

Company response to consumer: Closed with explanation