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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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: 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: SC

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

Complaint narrative:
I am filing this formal complaint against American Express for their refusal to close a credit card account that was fraudulently opened as part of a deceptive sales scheme by XXXX XXXX XXXX in XXXX. During a high-pressure sales presentation with XXXX, I was misled into opening an American Express credit card. I was told that this account was a necessary part of the timeshare purchase process and was assured that the timeshare could later be sold back to the company through a buy-back program. Both of these claims turned out to be completely false. 

The credit card was presented as a formalitysomething required to " secure '' the dealnot as a traditional line of credit I was expected to pay off over years. I would never have agreed to open this account if I had been told the truth. These were not simple misunderstandingsthey were deliberate misrepresentations made to secure my financial commitment under false pretenses. 

I have disputed this account with American Express, making it very clear that the charges stemmed from fraud and deception. Their response was entirely dismissive. They cited a contract return from XXXX but completely ignored the fact that the contract itself was induced by fraud. I am now being held liable for thousands of dollars on an account that never should have existed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National credit systems suggests I owe back XXXX, XXXX. I have disputed with experian and transunion with evidence. National credit systems never contacted me to even provide a payment plan. Even on their website is a broken site and I dont even have an account number to even create a profile to even see anything. I have asked for proof of photos upon move out. As such as trash fees, cleaning mirrors, carpets and toilet fees. I strongly believe XXXX is an inaccurate amount that they can not prove it should be that much without photos and videos. Following along with their website that looks broken and not receiving an account number to even create a profile to see a ledger. Any proof that national credit systems has contacted me? To notify me of a collection and how to repay it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I paid off my mortgage in full to the original lender, XXXX XXXX XXXX. The payment was confirmed received and processed. The loan was then transferred to Fay Servicing XXXX XXXX XXXX XXXX for final servicing. Since then, the loan has not been officially closed, and no reconveyance deed has been recorded with the county.

I contacted Fay Servicing multiple times by phone in early XXXX. Each time, I was told they could not confirm the loan closure status and that I should speak with the lender. When I spoke with the original lender, they indicated the loan had been paid off and that the servicer should handle the reconveyance. 

Due to this delay, escrow for the sale of my property can not be completed, putting my transaction at risk. I have already submitted all payoff documentation, including the wire receipt and payoff statement, to both the escrow company and the servicer. However, there has been no clear explanation from Fay Servicing regarding the reason for the delay, nor a resolution timeline. 

I am seeking immediate closure of the loan and recording of the reconveyance so the sale of my home can proceed.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-05-23 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-05-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: EQUIFAX, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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: EQUIFAX, 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 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: Experian Information Solutions 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 2025-05-24 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: GA

Complaint narrative:
I am formally disputing the unauthorized use of my Social Security number in the creation of the accounts listed above. Under 15 U.S.C. XXXX ( XXXX  ), my SSN is legally classified as a form of credit access, similar to a credit card, meaning it serves as a means of identification and access to credit. 

My SSN was used without informed consent to open financial accounts and possibly for the creation of securities or bundled financial instruments from which the institutions profited. Despite the closure of these accounts, I the consumer received no insurance, compensation, or benefits. 

This constitutes a direct violation of my consumer rights and breaches 15 U.S.C. XXXXe, which prohibits deceptive or misleading use of information in collection or reporting practices. It also meets the legal standards of identity theft and fraud due to the exploitation of my personal data for institutional benefit without my explicit authorization. I demand these account be removed and blocked from my consumer report. 

Demand for Resolution I am requesting : Full deletion of the listed items Removal of inaccurate addresses and inquiries Verification of any use of my SSN for financial gain Written confirmation of the completed investigation Thank you for your attention to this matter.

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