vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: WA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-15 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Easy Finance, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding account number XXXX, which is reported by EASYCOMPANY LLC DBA EAS. This debt is listed as an Unsecured Loan from original creditor XXXX, opened in XX/XX/year>. It is currently reporting a {$0.00} balance but is confusingly marked as " Collection/Chargeoff ''. Furthermore, this company recently reported this debt as a " New Account '' on my XXXXXXXX file. 
I have no recollection of this debt. I assert that the continued reporting of this old, $ $ $ XXXX debt under a derogatory status violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to its unverified and confusing re-reporting. 
I demand the following documentation to legally validate this alleged debt : XXXX. A copy of the original signed contract between myself and XXXX. 
XXXX. Proof of the chain of custody ( bill of sale ) showing the legal transfer of this specific debt to EASYCOMPANY LLC DBA EAS. 
If EASYCOMPANY LLC DBA EAS can not provide complete and legal validation of this debt within the mandated response period, I demand the immediate deletion of this entire tradeline from all credit reporting agencies. This is the only acceptable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MA

Complaint narrative:
CFPBP RE : Debt Validation Request/ Account No. : To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt that you claim I owe.

This letter is not a refusal to pay, but a notice that your claim is disputed. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of the alleged debt.

Please provide the following : The name and address of the original creditor.

The amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges.

Verification that I am legally obligated to pay this debt, including a copy of the original contract or agreement with my signature. 

Proof that the debt is authorised and legally licensed to collect debt in my state. 

A complete payment history, showing how the amount you claim was calculated. 

Copies of any judgments, if applicable. 

Until you provide all requested validation, you must cease all collection activities, including reporting the debt to credit bureaus. If the debt has already been reported, please notify all credit bureaus that the account is disputed. 

Per the FDCPA, you are required to suspend all collection efforts until validation is provided. 

Thank you for your cooperation. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: FL

Complaint narrative:
My employer P.F. XXXX deposits my tips into a Netspend account, and Netspend has placed a restriction on my account without clear explanation. I have been unable to access my own money for almost XXXX weeks. 

I contacted Netspend multiple times and they keep telling me the restriction will be resolved within XXXX hours, yet it has not been removed. They continue depositing my wages into the account, but I can not : Log into the account Activate my card XXXX or withdraw my funds Netspend has not provided any written explanation of why the account is restricted, what documents they need, or how long the investigation will take. 

This situation has caused financial hardship because these are my earned wages. I am requesting : XXXX. A clear explanation of why the account was restricted XXXX. Immediate access to all funds that belong to me 3. A written resolution timeline 4. Compensation if required by law for withholding my wages I need the CFPB to review Netspends failure to resolve my case and their repeated false timelines ( XXXX hours ) for releasing my account. 
I spoke with their Manager/supervisor yesterday XX/XX/year>, his badge number is XXXX and his name is XXXX he XXXX that he was going to fix it, but he gave me the same answer that Ive been hearing for almost XXXX weeks, they will send and email to their department that handles that and they will take the restriction in XXXX hours, I feel powerless I dont know what to do anymore and I already talked to my mangers for my money to be deposited into my paycheck because this company is a real mess and I need help taking my money out as soon as possible.

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 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates on time for XX/XX/XXXX, but reported as 60 days late on XX/XX/XXXX. As well as paid on time on XX/XX/XXXX, but reported as 60 days late for XX/XX/XXXX. Im now requesting that you investigate this account and update these payments to Paid on time/ Never late immediately. Thank you for your understanding and prompt action.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/year>, I opened a Citi Regular Checking account because Citi Bank offers {$450.00} welcome bonus for new customers. I funded the account for {$6200.00} on XX/XX/year> date ( from my brokerage account on XXXX ) to fulfill the requirements to receive the welcome bonus. However, when I tried to transfer {$6200.00} to the brokerage account at XXXX on XX/XX/year>, Citi Bank claimed that I violated the client manual and would close my account. Hence, the {$450.00} bonus was neither received. Further, I have set up a direct deposit from XXXX XXXX XXXX XXXX A paycheck on XX/XX/year> of {$1300.00} to the account was withheld by the bank. The trace number is XXXX for the deposit.

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 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: MO

Complaint narrative:
Carmax bait and switch me and they took a cash down payment on a consumer credit transaction which is illegal under the federal reserve act section 16 part one and two. I'm making payments on a car that's already paid for under 12 usc 1431 I would like that money back that they stole from me because they are not a bank thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: 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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card is doing some illegal stuff opening and closing a fake account that is reporting on my XXXX  credit report I get this permanently removed from all of my Credit profile. This bank account is holding up my credit and causing me from getting new credit I need this removed ASAP illegal reporting. XXXX  stating on his bank account that is a past due amount and its charged all that it keeps opening closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington mortgage company is illegal reporting on my credit report with some inaccuracy. I need this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX bankruptcy XXXX XXXX Pennsylvania docket number XXXX is on my credit file and is not mine and does not report on any other credit file such as XXXX  or or XXXX  but for some reason it has remained on this credit file and when disputed by me, TransUnion quickly sends back a verified as accurate response but it doesn't give any time frame to them to actually investigate it there's no way they can do it this quickly I believe they're just automatically responding

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 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-15 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: OH

Complaint narrative:
I HAVE BEEN A VICTIM OF THE EQUIFAX XXXX XXXX AND OTHER BREACHES. I HAVE BECOME A VICTIM OF IDENTITY THEFT AND THIS HAS CAUSED MAJOR ISSUES IN MY LIFE AND IN THE LIVES OF MY FAMILY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express inaccurate fraudulent account that is reporting my credit inaccurate information. I need this fraudulent account removed from all of my credits bureaus ASAP they do not comply with this in 15 working days. I need to send me {$1000.00} in damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep disappointment upon discovering a XXXX  entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX  court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Back in XXXX of this year, my bank, XXXX XXXX XXXXXXXX, made an electronic transaction to XXXX US Dep of Ed XXXX for {$61.00}. Date of transaction was XX/XX/year>. This would have been my last payment to a parent loan I took out for my son over XXXX yrs ago. 
XXXX began sending mail saying I still owed that payment. I kept going on their website leaving messages that an electronic payment was made. I left many messages. Only a few were answered saying they were investigating. Stubbornly, I did not make another payment and waited patiently for a response to their review. Never got XXXX. XXXX  months passed and sent a delinquent payment to the credit bureau. My credit rating dropped XXXX pts! 
I have since got a document from XXXX saying and electronic payment was posted to XXXX. 
I have tried deputing the credit rations to both XXXX  and Equifax. More than once. 
Both agencies never received any information from XXXX. I have since made another payment through XXXX that XXXX did get, and now my loan is paid in full. 
However a late payment still shows up and XXXX refuses do lift a finger to resolve this. My credit rating took a hit, so the next time I get a car loan, this can affect my interest rate. Not goo! 
I need to know what I can do to fix my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
I am filling this complaint because Experian has failed to comply with my FCRA 605B Identity theft block request. on XX/XX/XXXX i submitted all required documents including ftc identity theft report government id proof of address and highlighted credit report showing fraudulent accounts. 
the bureau has not blocked or removed the fraudulent information as required by law. this failure is harming my ability to obtain housing and credit Fraudulent Tradelines ( as shown on my report : XXXX  XXXX acct ending in [ XXXX reported balance {$380.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$16000.00} status : [ Collection/Charge-off/Late pays ] XXXX acct ending in XXXX reported balance {$180.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX acct ending in XXXX reported balance {$920.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$1600.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending XXXX reported balance {$680.00} status : [ Collection/Charge-off/Late pays ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
A few months ago, I opened a fraudulent link, and unauthorized individuals accessed my personal information. Since then, new accounts I didnt open have appeared on my Equifax report. I urgently need these removed, as seeing them there is causing me severe stress and I cant sleep thinking about it.XXXX XXXX XXXX-revolving- XX/XX/XXXX XXXX XXXXDate opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX  XXXX revolving-Date opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXXAuto Loan-Date opened XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation