vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance {$28.00} XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXXXXXX Balance {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$720.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$810.00} XXXX XXXX XXXX XXXX Balance {$1800.00}

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 non-monetary relief
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> I had contacted what I thought was a XXXX customer service in order to fix my frozen XXXX account. I assume this one person fraud had disguised his number as XXXX on XXXX and i ended up calling them where they acted as XXXX and had me transfer lots of my own money to a XXXX ID ' where they said they would keep for safe keeping till i made the necessary transactions to complete the 'verification process '. I had told them i don't have enough money for the third transaction " {$490.00} '' as they had drained all my money from that checking account already and they told me I would get none of it back till I had given that {$490.00}. I have them on voice recording saying this and despite that my bank is still refusing to dispute or refund me of this obvious scam. Chime is continuing to let me be stolen of my money without giving any form of closure to the problem as well as not giving me any documents to let me see what they used to review my case. I am a college student and worked tirelessly for that money I would have rather just closed my XXXX account instead. I know this person is a fraud too because I had found the real XXXX number and they informed me they would only ever use a Government ID to verify and unfreeze my account, not transfer so much money instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX  erroneously reported my mortgage as 30 days late, followed by another late report for XX/XX/XXXX. I had autopay enabled, and my bank account had sufficient funds and overdraft protection in place at the time. Other transactions cleared normally during this period. 

I received no email, mail, or phone notification from XXXX XXXX  that the XXXX payment failed, nor any indication of an issue with my account. When I realized the problem in early XX/XX/XXXX, I immediately brought my account current. 

On XX/XX/XXXX, a payment of {$1500.00} cleared from my accountintended for XXXX XXXX appears to have applied that payment to XXXX, without notifying me. I then made an additional payment in early XXXX, which was meant to satisfy the remaining balance, yet XXXX reported XXXX as late as well. 

In XXXX  response, they acknowledged : The XXXX payment was satisfied on XX/XX/XXXX, and The XXXX payment was satisfied on XX/XX/XXXX, but strangely cited an effective date of XX/XX/XXXX, which appears to be a clerical error. 

I have provided : Bank statements showing funds available and transactions processed Credit reports confirming the drop of XXXX points due to the late payments Denial letters from lenders rejecting me for refinancing and home equity loans Despite my good-faith effort and detailed documentation, XXXX XXXX  refuses to amend the credit reporting or acknowledge possible internal system failure or miscommunication on their end. 

These false reports have significantly harmed my credit profile, prevented me from accessing lower-interest debt options, and worsened my financial condition. 

I respectfully request the CFPB to investigate and require XXXX XXXX  to correct the reporting for XXXX and XX/XX/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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX  erroneously reported my mortgage as 30 days late, followed by another late report for XX/XX/XXXX. I had autopay enabled, and my bank account had sufficient funds and overdraft protection in place at the time. Other transactions cleared normally during this period. 

I received no email, mail, or phone notification from XXXX XXXX  that the XXXX payment failed, nor any indication of an issue with my account. When I realized the problem in early XX/XX/XXXX, I immediately brought my account current. 

On XX/XX/XXXX, a payment of {$1500.00} cleared from my accountintended for XXXX XXXX appears to have applied that payment to XXXX, without notifying me. I then made an additional payment in early XXXX, which was meant to satisfy the remaining balance, yet XXXX reported XXXX as late as well. 

In XXXX  response, they acknowledged : The XXXX payment was satisfied on XX/XX/XXXX, and The XXXX payment was satisfied on XX/XX/XXXX, but strangely cited an effective date of XX/XX/XXXX, which appears to be a clerical error. 

I have provided : Bank statements showing funds available and transactions processed Credit reports confirming the drop of XXXX points due to the late payments Denial letters from lenders rejecting me for refinancing and home equity loans Despite my good-faith effort and detailed documentation, XXXX XXXX  refuses to amend the credit reporting or acknowledge possible internal system failure or miscommunication on their end. 

These false reports have significantly harmed my credit profile, prevented me from accessing lower-interest debt options, and worsened my financial condition. 

I respectfully request the CFPB to investigate and require XXXX XXXX  to correct the reporting for XXXX and XX/XX/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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXXXXXX XXXX  erroneously reported my mortgage as 30 days late, followed by another late report for XX/XX/XXXX. I had autopay enabled, and my bank account had sufficient funds and overdraft protection in place at the time. Other transactions cleared normally during this period. 

I received no email, mail, or phone notification from XXXX XXXX  that the XXXX payment failed, nor any indication of an issue with my account. When I realized the problem in early XX/XX/XXXX, I immediately brought my account current. 

On XX/XX/XXXX, a payment of {$1500.00} cleared from my accountintended for XXXX XXXX appears to have applied that payment to XXXX, without notifying me. I then made an additional payment in early XXXX, which was meant to satisfy the remaining balance, yet XXXX reported XXXX as late as well. 

In Freedoms response, they acknowledged : The XXXX payment was satisfied on XX/XX/XXXX, and The XXXX payment was satisfied on XX/XX/XXXX, but strangely cited an effective date of XX/XX/XXXX, which appears to be a clerical error. 

I have provided : Bank statements showing funds available and transactions processed Credit reports confirming the drop of XXXX points due to the late payments Denial letters from lenders rejecting me for refinancing and home equity loans Despite my good-faith effort and detailed documentation, XXXXXXXX XXXX refuses to amend the credit reporting or acknowledge possible internal system failure or miscommunication on their end. 

These false reports have significantly harmed my credit profile, prevented me from accessing lower-interest debt options, and worsened my financial condition. 

I respectfully request the CFPB to investigate and require XXXXXXXX XXXX to correct the reporting for XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, a debt collector sent a collection letter attempting to collect a debt of {$890.00} ( sometimes reported as {$890.00} ), originally from a credit card company. The letter offered a settlement with a deadline of XX/XX/XXXX and threatened legal action if the debt wasnt paid by the deadline. Furthermore, they threatened to sue, which implies they can take legal action to enforce payment. However, according to XXXX credit bureaus report, the Date of Last Activity on this account is XX/XX/XXXX, which is believed to be the Date of First Delinquency ( DOFD ). Under XXXX law, the statute of limitations ( XXXX ) for written contracts is XXXX  years, meaning the XXXX expired on XX/XX/XXXX. This debt is time-barred, and the debt collectors attempt to collect it, especially with threats of legal action, violates the Fair Debt Collection Practices Act ( FDCPA ) by misrepresenting the legal status of the debt. 
Additionally, the debt collector is reporting this account to the credit bureaus with re-aged dates. XXXX credit bureau lists the Date Opened as XX/XX/XXXX, and another lists it as XX/XX/XXXX, despite the Date of Last Activity being XX/XX/XXXX. This re-aging extends the XXXX reporting period under the Fair Credit Reporting Act ( FCRA ) beyond XX/XX/XXXX, which violates the FCRA. Disputes were filed with the credit bureaus on XX/XX/XXXX to address this issue, and their responses are pending as of XX/XX/XXXX. 
The collection letter was sent to a XXXX XXXX XXXX that was never provided directly to the debt collector. The address was updated with a credit bureau on XX/XX/XXXX, and its believed the credit bureaus shared this address with the debt collector during the dispute investigation, enabling them to pursue this time-barred debt. This feels like a misuse of personal information and may involve FCRA violations by the credit bureaus, which have been addressed in separate CFPB complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 2025-05-13 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: OH

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. 
- ( XXXX ) 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 payment 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 payment to " Paid on Time. '' XXXX. Late Payment ( Open ) 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 2025-05-13 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: OH

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. 
- ( XXXX ) 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 payment 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 payment to " Paid on Time. '' XXXX. Late Payment ( Open ) 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 2025-05-13 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:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by TransUnion, with no third party involved in this matter. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXXXXXX 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been unable to obtain my credit report from Equifax for almost a year now. The last time I successfully obtained my Equifax report was in XX/XX/year>. 

Ever since then, I have been unable to get my credit report from them. I am even unable to obtain my report from Equifax through annualcreditreport.com. 

Now, I also need to unfreeze my credit with Equifax because I would like to apply for a new credit card.

The Equifax does not let me unfreeze my account. It instructs me to call them. When I do, they tell me to provide identity documents through the mail. I have done this over 5 times and nothing changes.

They may have a split file on me, but multiple times they have told me I do not over the phone.

I attached a photo below - This is when I try to view or do anything on their website including viewing my report or unfreezing my credit.

Company response to consumer: Closed with explanation