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

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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - initial dispute for accounts that do not belong to me XX/XX/XXXX Original Amount Owed {$810.00} Amount {$850.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification XXXX  Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX On XX/XX/XXXX - Company responded and updated credit information On XX/XX/XXXX - XXXX submitted a reverification and request to obtain all documents used to verify these accounts as " accurate '' On XX/XX/XXXX - Company failed to provide me with documents and instead updated the record once again to show as " verified as accurate ''

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

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: TX

Complaint narrative:
My XXXX XXXX  debit card which I have money in, denied payment to my regularly scheduled bills. 

XXXX XXXX XXXX XXXX - {$89.00} XX/XX/XXXX XXXX XXXX- {$14.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
The XXXX XXXX XXXX account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) is reported as having a {$0.00} balance and past due amount, with the account also noted as closed or paid with no monthly payment due. Despite this, a late payment mark is still being reported. This is misleading, inconsistent, and contradicts the factual state of the account. As outlined in 15 U.S. Code 1666b, creditors are required to allow a reasonable grace period and to ensure that late fees or delinquencies are not applied improperly.

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 2025-05-05 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: FL

Complaint narrative:
I've been dealing with an ongoing issue on my credit report thats causing serious concern. There are accounts listed that I dont recognize and was never involved with it appeared after my personal information was used without my consent. Im a victim of identity theft and have already filed a report with the FTC, which was submitted as instructed by TransUnion. Despite that, the fraudulent items are still showing up.

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 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital system purchased debt from CONNS and re-aged the origination date of debt from XX/XX/XXXX too XX/XX/XXXX. I did not sign anything in agreement of any new purchase in XX/XX/XXXX with Jefferson capital. The debt must retain the original date of origination from CONNS. They did this to get the full XXXX years rather than what was the original time left of original account. Just because they buy the debt does not XXXX them the right to re-age the same account under their name and put it under my credit as brand new item. This violates federal credit protective laws.

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

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-05 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment 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. 


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 XXXX 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 2025-05-05 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: MD

Complaint narrative:
I am disputing the charge-off account reported by XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) as reflected in my Experian credit report. This account is being reported with a {$0.00} balance, which is contradictory and misleading. A charge-off with no outstanding balance suggests that either the debt was settled, paid in full, or transferredyet Experian continues to label it as a derogatory account, which grossly misrepresents my creditworthiness. Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of the information they furnish, and the presence of a {$0.00} balance while still classifying the account as a charge-off raises serious concerns about compliance with this legal obligation. The continued reporting of this item in its current form is not only inaccurate but materially damaging. This discrepancy, along with the possibility that my information was compromised during a data breach, which has led to confusion or misreporting, calls into question the reliability of the data Experian has received and published. I have not received any validation or updated status of this account directly from XXXX XXXX, and the reporting furnishes conflicting information that damages my profile without proper cause or clarity.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/year>, a fraudulent XXXX withdrawal of {$690.00} was made from my Chase checking account. The transaction occurred in a location across the country from where I live and was clearly unauthorized. I contacted Chase on XX/XX/year> to report the fraud. It is now XX/XX/XXXX, XXXX full days since reportingand Chase has failed to resolve the claim or return the stolen funds.

While my account remains unreimbursed, Ive had to rely on my credit card to cover basic living expensesincurring over {$450.00} in charges across groceries, food, gas, and emergency items. I have also already been charged {$68.00} in interest on the card due to the delay, and that number will continue to grow if this is not resolved. Chase is directly profiting from the stolen funds they are withholding by collecting interest on debt I should never have needed to accumulate.

I demand that the stolen funds be refunded immediately, that the interest and fees caused by this delay be reimbursed in full, and that this case be escalated to Chases executive fraud resolution team.

When I spoke with a Chase representative on XXXX XXXX I was told the fraud would be resolved within 12 business days. However, when I checked the claim status in the mobile app, the timeline had silently shifted to up to 10 days without any notification. That is a breach of communication and a delay that solely benefits Chase at my expense.

I have also been recovering from a work-related dog bite injury during this time. I am under significant physical and emotional stress, and Chases lack of urgency has made my situation worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX XXXX continues to report inaccurate information to the credit bureau and they are not reporting every month. On the credit report it also states that the line of credit is suspended which looks as if I dont have money to borrow or I havent paid as agreed. Neither one of these is the case. My loan balance is more than an a {$1000.00} less than whats being reported. I have spoke to them the last two months and they continue to to tell me they will investigate and make corrections. No correction have been made and Im still way on a call from the supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
What is the issue? 
Fraudulent or unauthorized transactions | Poor customer service | Account security and access issues | Compensation concerns Your complaint : I am a long-time customer of Truist Bank XXXX XXXX before the merger, and I am submitting this complaint due to their ongoing mishandling of a recent fraud incident on my account. I reported a fraudulent transaction and requested provisional credit, but was only offered a {$25.00} reimbursement. This was issued without any understanding or acknowledgement of the financial hardship, system failures, and emotional trauma I am facing. 

I have experienced multiple security breaches with Truist over time, including numerous reissued debit cards and unauthorized transactions. Despite these repeated issues, I remained a loyal customer and even intended to open a business account. However, this latest incident has been the breaking point. 

Their representatives provided incorrect information on dates, refused to escalate my case to anyone with authority, and offered no real solution. Ive endured financial losses, late fees, missed payments, and personal distress. 

In XXXX, I was XXXX and XXXXan event that left me traumatized and unable to work. I am still healing from that experience, and living alone without steady income. This fraudulent charge and Truists mishandling of my case has only deepened my hardship. I clearly explained this to them and was still denied further support. 

I am asking the CFPB to investigate how Truist handles fraud cases, and to ensure they provide : Appropriate and timely compensation Better communication and staff training Provisional credit according to the Electronic Fund Transfer Act Ive already contacted Truists Executive Office with no resolution yet. I want this resolved fairly, quickly, and with the seriousness it deserves.

Requested resolution : A fair and immediate provisional credit, financial compensation for damages, a review of customer service practices, and accountability for the misinformation and mishandling of my 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 2025-05-05 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by XXXX XXXX XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. I also did not give Experian Equifax or Transuion permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy and rights.

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 2025-05-05 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: RI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: RI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal from my credit 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 explanation
Consumer complaint received 2025-05-05 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I requested that the identified accounts be deleted due to identity theft persuant to the FCRA and the CFPB and I received correspondence back stating they have to keep fraudulent accounts or inquiries on my file even though its due to fraudulent activity

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 2025-05-05 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: VA

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 response to consumer: Closed with non-monetary relief