vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Per court order the amount needed to collect from the original creditor is not the {$3300.00}. It is {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXX XX/XX/year> XXXX XXXX XXXX XXXX, AZ XXXX Re : Dispute of Debt Account Number : XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the debt associated with the above-referenced account. The alleged debt pertains to charges from my previous residence at [ Apartment Name/Address ], where I was forced to vacate due to severe flooding and unlivable conditions. 

During my tenancy, the apartment experienced significant flooding, resulting in conditions that were hazardous to my health and safety, as well as that of my daughter. Despite repeated attempts to have the issues resolved, the management failed to make the necessary repairs, rendering the unit uninhabitable. Consequently, I had no choice but to relocate for our safety and well-being. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : 1. Cease all collection activities related to this disputed debt until you have provided verification and documentation proving the validity of the amount claimed.

2. Conduct a thorough investigation into the circumstances surrounding this debt, including the conditions of the apartment and any relevant repair and maintenance records.

Please also be advised that reporting inaccurate or unverifiable information to credit reporting agencies is a violation of the Fair Credit Reporting Act ( FCRA ) and may result in legal action. If this debt can not be validated or substantiated, I request that it be immediately removed from my credit report. 

You are hereby notified that any further communication regarding this debt must be conducted in writing. Additionally, I reserve the right to pursue legal action if your company continues to pursue this unverified debt or reports false information to the credit bureaus. 

Please confirm receipt of this letter and provide a written response within 30 days. 

Sincerely, 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 2025-04-03 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
This complaint is a follow up to my complaint filed on XX/XX/scrub>XXXX Its going on 2 months NOW and I have not received any resolve concerning an alleged debt Ally Financial claims I owe. I want the CFPB to demand all 3 credit reporting bureaus to DELETE and REMOVE this debt from my credit reporting file immediately. This is intentionally, illegal, erroneous and malicious reporting and is against the Fair Credit Reporting Act and grounds for law suits against the 3 credit bureaus. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2025-04-03 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: FL

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

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 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: NJ

Complaint narrative:
I am filing this complaint out of pure frustration and exhaustion. TransUnion continues to report blatantly inaccurate information on my credit report, even after Ive disputed it multiple times. The account in question is XXXX XXXX XXXX. According to TransUnion, I supposedly made a late payment in XX/XX/2024, yet XXXX also reporting the status as PAID OR PAYING AS AGREED. That makes XXXX sense. You cant have it both wayseither it was paid on time, or it wasnt. This is conflicting, misleading, and flat-out wrong. If the account is paid as agreed, then there should not be any late mark. Its that simple. What makes this worse is that neither XXXX nor XXXX are reporting any late payment at allonly TransUnion. So why is TransUnion the only bureau getting this wrong? What kind of procedures are they using that allow this kind of error to keep slipping through the cracks? Ive brought this to their attention repeatedly, but every time I get a useless response saying theyve denied a fraud blocksomething I never even asked for. My dispute was about a factual reporting error, not identity theft or fraud. This kind of careless handling of my dispute shows theyre not actually reading or understanding anything Im sending. They are mischaracterizing my dispute and completely failing to process it properly. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( 5 ), TransUnion is legally required to maintain maximum possible accuracy and to correct or delete information that is inaccurate or unverifiable. They have failed to do that. Ive played by the rules, sent in my disputes, and even attached supporting documentationbut its clear theyre either ignoring it or just dont care.

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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is the holder of the debt for an XXXX  XXXX  called " XXXX XXXX ''. I reached out to XXXX XXXXXXXX first, the management had just changed and they didn't have the files entered from the previous company. The management said that I should try talk to the collection company. I called the collection company in XXXX and spoke with an agent about resolving the fraudulent debt. I gave her my info and she asked for a credit card number for identification purposes. It seemed odd, but I complied. I gave the agent the information about the problems and she responded that they could help for {$250.00} or {$240.00}. At that point, I refused top pay for something that wasn't my fault. Needless to say, the collection agency did not help. 

From XXXX XXXX : {$1700.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2024 ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Placed for collection Original creditor name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-03 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:
When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont know how they appeared. I regularly monitor my report, but these errors were unexpected. I tried refreshing the page, hoping it was just a technical issue, but the accounts were still there. Because of this, I kindly ask for a detailed review of the documents I have provided so I can have peace of mind.

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 2025-04-03 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: GA

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
My account with XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX 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 in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 

Delete 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute of Incorrect Late Payment Reporting XXXX XXXX  XXXX  To whom it may concern, I am writing to formally dispute an inaccurate late payment entry on my credit file related to my XXXX credit card account. My credit report reflects past-due payments on this account, which is incorrect and misleading. While there was an oversight with my auto-payment enrollment, I never abandoned my financial obligations and consistently made payments. 
XXXX of Events : XX/XX/XXXX XXXX of {$1300.00} made. 
XX/XX/XXXX XXXX of {$700.00} made. 
XX/XX/XXXX XXXX of {$250.00} made. 
XX/XX/XXXX XXXX payment made. 
XX/XX/XXXX XXXX of {$1000.00} made. 
XX/XX/XXXX XXXX of {$250.00} made. 
XX/XX/XXXX XXXX full balance of {$2000.00} upon realizing the issue. 
Attempts to Resolve the Issue ( Chronological Order ) : XX/XX/XXXX ( XXXX PM ) Called XXXX ( XXXX call ). Representative stated nothing could be done and advised me to send a letter. 
XX/XX/XXXX Sent a written dispute letter to XXXX requesting correction. 
XX/XX/XXXX Attempted to call XXXX, but due to high inquiry volume, was advised to submit a dispute online. I did so. 
XX/XX/XXXX Filed an online dispute with XXXX. 
XX/XX/XXXX Filed an initial dispute with TransUnion. 
XX/XX/XXXX Received written communication from XXXX stating they would not assist in rectifying the credit report. 
XX/XX/XXXX Called XXXX again. Multiple representatives confirmed they would not help. At this point, I closed my XXXX account permanently. 
XX/XX/XXXX Chatted with a TransUnion representative online, who advised me to resubmit my dispute with supporting documents. 
XX/XX/XXXX Resubmitted my dispute to TransUnion online. 
XX/XX/XXXX Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Request for Investigation and Correction : Despite my continuous efforts to make payments, XXXX wrongfully reported my account as past due, which has significantly harmed my credit score. This is incorrect, as I made consistent payments and never fully neglected the account. Given these facts, I am formally requesting that : 1. Investigate and verify the accuracy of XXXX ' reporting. 
2. Remove or correct the late payment entry.

3. Provide a written response detailing the outcome of the investigation.

Supporting Documentation Enclosed : Proof of Payments ( XXXX statements ) A Copy of My Credit Report ( Highlighting the incorrect entry ) Under the Fair Credit Reporting Act ( FCRA ), I expect this matter to be investigated promptly and a resolution to be reached. 
I appreciate your time and assistance in correcting this inaccurate report.

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 2025-04-03 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against PayPal , Inc. regarding its failure to properly investigate and refund unauthorized transactions made on my PayPal account. 

I noticed multiple unauthorized transactions on my PayPal account linked to my PayPal card. These transactions were made without my knowledge or consent : Transaction ID : XXXX | Amount : {$25.00} USD | Recipient Email : XXXX Transaction ID : XXXX | Amount : {$77.00} USD | Recipient Email : XXXX Transaction ID : XXXX | Amount : {$24.00} USD | Recipient Email : XXXX Upon discovering these fraudulent transactions, I immediately reported them to PayPal as unauthorized. Despite this, PayPal denied my dispute, claiming that the transactions were " consistent with my PayPal history, '' even though I have never authorized payments to these recipients nor added any new addresses to my account. 

PayPals Inadequate Resolution : PayPal refused to refund my money and failed to provide clear justification for their decision. 

PayPal has not provided any evidence proving that I authorized these transactions.

When I requested a reconsideration, I was given a generic response and was not provided any meaningful way to challenge the decision.

PayPals lack of proper fraud investigation has left me financially harmed and vulnerable to further fraudulent activity.

Company response to consumer: Closed with explanation