vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im requesting your help to investigate the accounts from these companies that have been incorrectly reporting late payments. After checking my credit report, I saw some accounts showing late payments that should not be there. Please remove these late payment remarks and update the accounts to show a positive standing as agreed.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX at XXXX I got a text from Chime with a verification code. At XXXX XXXX  I got an email from Chime to finish setting up my account. I NEVER signed up with Chime so found it odd to get both a spam text and email from the same place. I called Chime customer support to report this account as fraud and they closed it, but there is no guarantee this won't happen again. Someone used my name, email, phone number, birthday, and last four of my SSN to create an account. My credit is frozen across all the bureaus, but Chime is a XXXX XXXX " bank '' and doesn't actually run a credit check before opening fraudulent accounts. Chime should be shut down and the CEO should be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Reference complaint number : XXXX 15 USC 1681 ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable investigation of any disputed information within 30 days after receiving notice of a dispute.

15 USC 1681 ( a ) ( 5 ) ( A ) : If information is found to be inaccurate or unverifiable, it must be deleted or corrected.

15 USC 1681 ( a ) ( 6 ) ( B ) : Requires the bureaus to provide written notice of the results of the investigation and a complete and full description of the procedures used.

15 USC 1681 ( 2 ) ( B ) : Applies to furnishers of information who must also investigate disputes forwarded by bureaus.

15 USC 1681 ( n ) & 1681 ( o ) : Provides for Civil Liability for willful negligence. Noncompliance with the FCRA. Includes statutory damages, actual damages, punitive damages and attorney fees if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Reference complaint number : XXXX 15 USC 1681 ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable investigation of any disputed information within 30 days after receiving notice of a dispute.

15 USC 1681 ( a ) ( 5 ) ( A ) : If information is found to be inaccurate or unverifiable, it must be deleted or corrected.

15 USC 1681 ( a ) ( 6 ) ( B ) : Requires the bureaus to provide written notice of the results of the investigation and a complete and full description of the procedures used.

15 USC 1681 ( 2 ) ( B ) : Applies to furnishers of information who must also investigate disputes forwarded by bureaus.

15 USC 1681 ( n ) & 1681 ( o ) : Provides for Civil Liability for willful negligence. Noncompliance with the FCRA. Includes statutory damages, actual damages, punitive damages and attorney fees if applicable.

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 2025-05-16 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-16 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: DC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The Account XXXX XXXX XXXX on my credit report Im unaware of this debt and did have an opportunity to dispute this account. If you believe you sent proper notification following the consumer law, please provide it in certified mail with receipt displaying my signature. If not, please delete this account as soon as possible or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-16 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: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-05-16 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: CA

Complaint narrative:
I recently reviewed my credit report and seen that there was an account that was not reporting accurately. I had two late payment 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, I have attached a copy of the report to this complaint on the following dates XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Triton Management Group, Inc
State: GA

Complaint narrative:
XXXX XXXX terms stated that if my income decreased, then I should notify them so the repayment terms can be changed. My income decreased and I notified XXXX XXXX via phone and email several times. I emailed the requested bank statements showing the decrease in income. XXXX XXXX ignored my emails, did not change the repayment terms and continued to debit my bank account daily. I eventually had to close the bank account to stop all the NSF charges this was causing. 

Now XXXX XXXX has given the account to XXXX XXXX, who has threatened me several times, and now they are leaving detailed voicemails for people I know with my personal information. This is all illegal. A voicemail was left on XX/XX/XXXX by XXXX XXXX to a third party whose phone recorded the detailed message and the third party emailed the voicemail to me. This is illegal and should not be allowed. The voicemail left for a third party is attached to this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00}

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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: DailyPay, Inc
State: CA

Complaint narrative:
Subject : Formal Complaint Wage Withholding and Breach of Agreement by DailyPay To Whom It May Concern, I am writing to formally file a complaint regarding a breach of agreement and failure to deliver promised services by DailyPay. 

According to your companys publicly stated mission and service description, DailyPay offers workers same-day access to their earned wages. On XX/XX/, I worked 6 hours and was paid {$150.00} by my employer, XXXX. XXXX confirmed that they submitted my hours to your system on time, and I have both an email from them and screenshots verifying this. However, my DailyPay account showed {$0.00} available on that day, and no withdrawal was made by me. 

Despite your company 's claim of providing " daily pay, '' I was told I would need to wait three business ot next paybad to receive my earned wages. This contradicts your service agreement and caused serious financial harm. I was unable to pay essential bills or buy food due to this delay.

I am formally requesting : Immediate payment of the original {$150.00} owed An additional {$200.00} in compensation for hardship and damages, for a total of {$350.00} This situation reflects a violation of labor standards and may qualify as wage theft. If not resolved within 48 hours, I will escalate this matter to : XXXX XXXX XXXX XXXX ( XXXX  ) The U.S. Department of Labor Consumer protection agencies Local law enforcement, if applicable This behavior is not only unprofessionalit is unethical and potentially illegal. I am prepared to take legal action if necessary and have preserved all evidence, including emails, screenshots, and phone logs. 

I expect a prompt response and full resolution. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Email : XXXX I have screenshots to prove I never was paid and My employer sent the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payments recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX, and my State Attorney General. 

I look forward to your prompt response.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Five Lakes Law Group PLLC
State: VA

Complaint narrative:
I have been a customer of XXXX XXXX XXXX XXXX for several years making payments monthly. Since they havnt settled an account, I was told by their rep that my monthly payment would go from {$760.00} to {$320.00} per month. I have email proof of this. This month, on XX/XX/year>, I was charged {$760.00} and {$320.00}. This has caused my bank account to go negative. I immediately called them, they apologized and they told me they wouldn't fix or reverse the extra unauthorized charges. I am now out at least 9 overdraft charges of {$35.00} each. The company was unable to reverse their error. I need the unauthorized extra charge reversed and the overdraft fees covered. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX filed civil action against me for outstanding credit card debt in the amount of {$16000.00}. Credit was unlawfully used several years ago, I reported this to the credit union summer of XXXX. 

The credit union closed the account and started investigation. I never heard anything else. Now I was served with a Civil Action # XXXX, In the Court of Common Pleas of XXXX XXXX XXXX Pennsylvania. 

I answered the complaint in the required 20 days. I have attached all court paper including my answer to the civil complaint filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LEXISNEXIS
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-05-16 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-05-16 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 -- {$49000.00} XXXX XXXX XXXX # XXXX XX/XX/2023 -- {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -- {$8800.00}

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