vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have not made a vehicle payment since XXXX for several reasons. I have had comprehensive claims filed with my insurance for a deer/vehicle collision in XXXX which the insurance company refused to pay until XXXX. Also, medical status now makes it dangerous to operate a vehicle. My wife has extreme XXXX XXXX  causing a deficit in hearing emergency vehicles or warning horns from other vehicles. I am totally XXXX in my right eye causing severe depth perception and peripheral XXXX XXXX. Allied services has been calling on the average of 5 times a day, 7 days a week after they have been informed the I was volunteerily surrendering the vehicle, but the vehicle still sits at my residence and calls continue to come in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
I am formally disputing an alleged debt reported by Midland Credit Management for a XXXX XXXX XXXX account ( XXXX Acct # : XXXX ) with a balance of {$230.00}. I have never signed any contract or entered into any agreement with either company. This debt is inaccurate, unverified, and unvalidated. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have no legal obligation or relationship with this collector, and their claim has caused me XXXX XXXX and aggravated my health. This may constitute harassment and mail fraud.

I am demanding that Midland Credit Management immediately cease and desist all collection activity and communication. Under FDCPA 1692g ( b ), I am requesting the following : Proof of authorization to collect ( FDCPA 1692e, 1692f ) ; Legal basis and licensing to operate in my state ; Original signed contract or agreement; Full account history and itemized breakdown ; Proof of assignment from XXXX XXXX XXXX 

They have 30 days to comply. Continued reporting or failure to respond will constitute unlawful collection activity. Under Engelhart v. Gravens, silence implies no debt exists. This tradeline is disputed and must be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect addresses. None of these addresses are mine or mailable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI Financial/Core Logic are collecting monthly payments to pay my property taxes when they are due. They have not done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I was phoned by " XXXX XXXX XXXX '' specifying that I was being sued and needed to settle immediately to resolve the litigation. 

I spoke with XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
The case # I was given : XXXX My confirmation # after I paid over the phone : XXXX I was told that they were collecting on a debt dated XXXX of which I have no recollection. When I called the creditor in question and spoke to someone in billing they could find no proof of a bill in my name on that date. I have since learned that Arizona 's statute of limitations for debt collection is 6 years ; and my so-called debt is 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I can research the dates but right now I cant cause I dont have access, but Cash app closed my account. They didnt tell me why they said I violated terms wouldnt tell me what terms I violated and said that it wasnt their problem and then they still had my money And they werent giving anything up and they werent telling me why either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I am filing a complaint because my creditor is reporting a late payment to my account XXXX. It is inaccurate and not properly verified.I have disputed this directly with the credit bureaus and the furnisher but the late payment remains without proper validation or documentation. Under 15 USC 1681 S 2 A, a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: NC

Complaint narrative:
I am filing a complaint because my creditor is reporting a late payment to my account XXXX. It is inaccurate and not properly verified.I have disputed this directly with the credit bureaus and the furnisher but the late payment remains without proper validation or documentation. Under 15 USC 1681 S 2 A, a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i tried to open a bank account and i was unable to due to bank of america reporting to 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-14 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: OH

Complaint narrative:
The account is full of inaccuracies and misleading information, and this account from XXXX XXXXXXXX XXXX XXXX number XXXX needs to be deleted immediately since this is not the first time this has been reported. As you can see with the included documents from other credit reporting agencies that the reporting is different from XXXX XXXX XXXX XXXX, which is inaccuracies with reporting, which is an FDCPA violation. Which is grounds for deletion alone, but with all the others FDCPA violations, I am requesting immediate removal of this accout from my credit report, which is reflecting negatively on all credit reporting agencies and violating my rights. This is not the first complaint for the same incorrect information and it has not been corrected properly and due to the severe nature of these FDCPA regulations violations I request the immediate removal of this accout from all credit reporting agencies. Furthermore, I am fully aware of the existing lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. At this time with numerous complaints filed and no action taken with my rights being violated by the credit reporting agency by not following FDCPA regulations and conducting a complete and thorough investigation but instead conducting a sham investigation I may have to take legal action due to the violation of my rights. Unless this matter is addressed in four days due to numerous requests to correct the information in past complaints, legal action may be need or, I am requesting immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
On XX/XX/year>2025 I applied for a loan at One Main Financial in XXXX XXXX SC at XXXX XXXX XXXX XXXX. I applied for a {$1500.00} loan and was approved for XXXX. I stated to XXXX the loan specialist that I only needed XXXX. The loan was approved. However while XXXX was entering my information on another screen she entered my social security number incorrectly. She told me that it will take some to correct so I went back to work as I was applying for the loan during my lunch break. I called XXXX hours later just to be told that the loan was denied. She gave me the number to corporate and corporate stated that my account was fraudulent due to the loan specialist entering my social security number wrong the second time. I have great credit and never have been late on a payment with any of my creditors in 18 years. This accident by XXXX was not my fault because she is the one that caused a red flag on my loan by not entering my correct social security number. I want this inquiry removed from all credit bureaus. Its unfair to me that I am now being affected by this inquiry for XXXX mistake because I was initially approved and approved for a higher amount than what I asked for. Also speaking to corporate I was hung up on twice, blindly transferred to another department but this goes to show how these people operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account number XXXX For identity verification, I am including the following documents : A copy of my California-issued ID A copy of my Social Security card A recent bank statement showing my current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Shepherd Outsourcing, LLC
State: DE

Complaint narrative:
Today I received an unsolicited text from a number I did not recognize. Below is a copy paste of the text message received. I have never had a XXXX XXXX XXXX  XXXX XXXX and I have never dealt with XXXX XXXX XXXX. I do not see this card reflected on my XXXX and I am unsure how they obtained my phone number and name. I am seeking help in identifying this creditor and the account they referenced to ensure no fraud has occurred under my name. 


XXXX, this text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXXXXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. SOG Ref # XXXX Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion continues to put false debt collection on my credit report there is one there for {$300.00} that I have no idea Transunion continue to drop my credit score it was XXXX now XXXX this is against my consumer credit rights its illegal and it fraud

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