vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. 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 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 non-monetary relief
Consumer complaint received 2025-05-24 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: 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 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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: SC

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt already paid. I never received anything stating that I owed until it showed on my credit report. The amount they are saying is owed is {$890.00}. I sent a certified letter stating that I did not owe the debt and without proper verification, it needed to be removed from my credit report. The certified mail was sent XX/XX/year>. I did not receive anything back but they are still report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: IN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and creditor yet nothing changed. Under 15 USC 1681 S 2 A furnitures must report accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
b'All of these companies added information on my credit report without consent. XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION CONSUMER INTE XXXX\nTRANSUNION INTERACTIVE XXXX\nTRANSUNION INTERACTIVE XXXX XXXX XXXX via TRANSUNION INTERACTIVE IN XXXX XXXX XXXX\nTRANSUNION INTERACTIVE 0XXXX XXXX, XXXX\nTRANSUNION INTERACTIVE XXXX XXXX PA via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVE XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVE 0XXXX XXXX XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via KARMATRANSUNION INTERACT XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXS XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 explanation
Consumer complaint received 2025-05-23 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase XXXX XXXX card and I added a 5 % offer for XXXX XXXX XXXX that would apply to all purchases until a {$100.00} maximum is reached. I added this deal in XXXX XXXX  and made a purchase on XX/XX/year> for {$90.00} and a purchase on XX/XX/year> for {$310.00}. Total cash back for these offers should amount to {$20.00}. I reached out to customer service and they told me to wait XXXX business days. I waited and now they are declining the offer, saying that it was added after I made the purchase which I can guarantee is wrong. I wouldnt have gone to this restaurant otherwise. They failed to honor an offer I made with XXXX last month as well, but thats another issue. The issue is that these offers get added by me, but once I make the purchase it doesnt show up as redeemed when it should. I then ask Chase about it and they lie about the terms or tell me Im wrong. Please help me get my offer redeemed. Im happy to provide any additional info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
CAPITAL ONE has failed XXXX  conduct a proper investigation. They have violated XXXX XXXX XXXX A-E XXXX they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of XXXX XXXX  XXXX for being negligent XXXX willfully non compliant. These debts are also been securitized in a trust so CAPITAL ONE does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : Final Notice - Demand for Immediate Correction and Removal under FCRA To Whom It May Concern, I am writing to formally dispute and demand the immediate correction and removal of the inaccuracies reflected in the reporting of my XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  under the Fair Credit Reporting Act ( FCRA ). 
This account is being reported inconsistently across the credit bureaus : - TransUnion lists it as " Closed '' with a {$5000.00} balance and {$5000.00} credit limit. 
- XXXX lists it as " Open '' with a {$0.00} balance and {$0.00} credit limit. 
- XXXX does not report the account at all. 
- In addition, there are discrepancies in payment history, last payment dates, and dispute commentaries among the bureaus. 
These conflicting reports are materially inaccurate and are causing real and measurable harm to my creditworthiness, including loan denials and unfavorable terms. 
Failure to ensure accurate and consistent information violates the following provisions of the FCRA : - 15 U.S.C. XXXXi ( a ) : Failure to conduct reasonable reinvestigation - 15 U.S.C. XXXXe ( b ) : Failure to assure maximum possible accuracy - 15 U.S.C. XXXX ( b ) : Failure by furnishers to correct and update inaccurate information This account was previously disputed and deleted. Its reappearance without proper verification and reinvestigation constitutes a serious FCRA violation. This letter serves as my final notice. 
If this error is not corrected and the account removed within XXXX days

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 2025-05-23 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: LA

Complaint narrative:
Inaccurate Reporting and Payment History XXXX XXXX I am filing this complaint regarding the XXXX XXXX tradeline that appears on my credit report. This account is being reported inconsistently and inaccurately across TransUnion and Equifax, and it is negatively impacting my credit standing. 

Violations and discrepancies include : Different high credit amounts across TransUnion and Equifax ( {$2600.00} vs {$2700.00} ). 

Equifax reports " OK '' payments for many months after charge-off, though no payments were made after XXXX. 

Inconsistent last active and last payment dates across bureaus. TransUnion shows activity in XXXX, while Equifax shows it stopped in XXXX. 

XXXX and past due amounts are unclear, showing both {$5100.00} as total owed and {$2800.00} as past due without breakdown. 

These reporting issues violate the Fair Credit Reporting Act : FCRA XXXX ( b ) Maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Prohibits inaccurate data FCRA XXXX ( a ) ( XXXX ) Requires timely updates to furnishers ' information I respectfully request a full investigation. If the data can not be fully verified, corrected, and aligned across all credit bureaus, I ask that the account be permanently deleted from my reports. 

Thank you for your attention to this matter. 
FCRA VIOLATIONS AND INACCURACIES - XXXX. Inconsistent High Credit Across Bureaus TransUnion : {$2600.00} Equifax : {$2700.00} High credit should reflect the highest balance owed. This inconsistency violates : - FCRA XXXX ( b ) All information must be accurate and consistent across CRAs. 

- XXXX. Payment History Conflict Equifax shows OK ( paid ) for multiple months after the reported charge-off in XXXX. 

An account in charge-off status can not continue to report " OK '' payments unless payments were actually made ( which they werent see last payment date ). 

- FCRA XXXX ( b ) Misleading payment activity. 

- FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing info that is inaccurate or misleading. 

- XXXX. Inconsistent Activity and Payment Dates TransUnion : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Equifax : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX If no payments were made since XXXX, how is TransUnion showing last activity in XXXX? 

- FCRA XXXX ( a ) ( XXXX ) Duty to correct and update information. 

- XXXX. Double Reported Past Due and Balance Balance : {$5100.00} Past Due : {$2800.00} If the balance is {$5100.00}, but only {$2800.00} is past due, the remaining balance must be clarified ( fees? interest? ). 

- FCRA XXXX ( b ) Reporting must be complete and not misleading.

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 2025-05-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-23 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DONT RECOGINZE THIS ADDRESS PLEASE REMOVE THANK YOU 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 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 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 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

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 2025-05-23 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: AL

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 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 non-monetary relief
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I am writing to formally dispute a Derogatory account that has been deleted and reinserted into my credit report multiple times without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). 

XXXX XXXX. 
Account XXXX XXXX XXXXXXXX XXXX XXXX Equifax Date ( s ) Deleted and Reinserted : [ XXXX and Reinsertion XX/XX/year> ] This account has been deleted and reinserted more than three times, yet I have never received written notice within five business days of its reinsertion, as required by law. The credit bureau has not corrected.

I am requesting the following under my rights provided by the FCRA : 1. Immediate removal of this account from my credit file due to failure to follow proper reinsertion procedures.

2. A full investigation and documentation showing the verification method, if the item is to remain.

Please conduct your investigation within 15 days, as you have already spent more time than the law requires. I will restate the inaccurate information in this account and upload the reports the other bureaus have already deleted. 

XXXX XXXX. 
Account XXXX XXXX XXXXXXXX 1. 1-The opening date is not accurate 2- 2-The credit limit is not accurate 3-The last report date is not accurate 4- The Last active date is not accurate 5- The date of the last payment is not accurate Please delete this account from my report according to FCRA Section 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IN

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation