vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: OK

Complaint narrative:
My accounts 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
NAVY FCU has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-01 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: TX

Complaint narrative:
I reviewed my credit report today as part of my routine check, but this time I discovered unexpected discrepancies. I even refreshed my browser thinking it might just be a technical glitch, but the incorrect accounts still appeared. Due to this situation, I kindly ask that the documents Ive provided be reviewed carefully so I wont have to deal with this concern anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
I CALL AND DISPUTE INACCURATE INFORMATION THAT WAS ON MY CREDIT FILE AND THAT WAS BEING REPORTED BY THE CREDIT AGENCY, I ALSO SENT CERTIFY LETTERS IN WRITING STATING THAT INFO WAS INACCURATE ASKING THE CREDIT REPORT AGENCY TO PLEASE REMOVE OR DELETE THIS INFORMATION, I ALSO REQUEST IN WRITING FOR ANY AND ALL DOCUMENTATION THEY COULD PROVIDE BE SENT TO ME SHOWING THE INFORMATION WAS ACCURATE AND VERIFY, CREDIT AGENCY REFUSE TO SEND ANY DOCUMENTATION TO PROVE THAT THE INFORMATION WAS ACCURATE. THEREFORE, MY RIGHTS HAS BEEN VIOLATED AND THEY HAVE NOT COMPLY WITH CFPB LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CT

Complaint narrative:
credit reporting agencies unable to verify information furnished on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing to file a formal complaint against American Honda Finance regarding their inconsistent reporting of a debt on my credit profile and their failure to issue a required tax document. 
The account in question is an auto loan with American Honda Finance Corporation, account number : XXXX. 
It has come to my attention that American Honda Finance Corporation has written off this debt for its own accounting and tax purposes, classifying it as a " profit and loss write-off. '' This action typically indicates that the company considers the debt uncollectible and has taken a tax deduction for this loss. 
However, despite this apparent write-off, American Honda Finance Corporation continues to furnish this debt on my credit profile as an outstanding obligation. This creates a contradictory situation where the debt is treated as a loss for the company 's financial reporting and tax purposes, yet simultaneously reported as a current debt I owe on my credit history. 
Furthermore, and critically, I have never received a Form XXXX, Cancellation of Debt, from American Honda Finance Corporation for this written-off amount. According to IRS regulations, if a debt of {$600.00} or more is canceled or discharged by an applicable entity, a Form 1XXXX must be issued to the consumer. This form is essential for me to properly report any potential taxable income resulting from the cancellation of debt on my federal income tax return. 
The continued reporting of this debt on my credit file, without the corresponding issuance of a XXXX, is negatively impacting my credit score and financial standing. It presents an inaccurate picture of my financial obligations and prevents me from understanding my tax responsibilities regarding this debt. 
I request that the CFPB investigate this matter thoroughly and compel American Honda Finance Corporation to : Cease reporting this debt as an outstanding obligation on my credit profile if it has been fully discharged for all purposes. 
AND, immediately issue a correct Form XXXX for the relevant tax year, reflecting the cancellation of this debt, so I can comply with my tax obligations. 
Thank you for your time and attention to this urgent matter. I look forward to your prompt response and a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
I am filing this complaint against TransUnion for willfully and negligently violating my rights under the Fair Credit Reporting Act ( FCRA ) and the U.S. Bankruptcy Code. 

I disputed a XXXX XXXX account ( # XXXX ) that was included in a XXXX XXXX XXXX. Despite this, TransUnion continues to report : A past due balance of {$840.00} as of XX/XX/XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX A contradictory note stating the account was XXXX through XXXX  XXXX Bankruptcy / Never Late These entries are legally and factually inconsistent. Under FCRA 1681e ( b ), TransUnion must report with maximum possible accuracy. Reporting an account as both discharged and delinquent violates that standard. Additionally, reporting derogatory information post-bankruptcy violates 11 U.S.C. 524 ( a ). 

Furthermore, under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), when a consumer disputes an account and it is verified, the credit bureau must provide : XXXX. The method of verification, XXXX. A detailed description of the investigation, and XXXX. All documentation received from the furnisher. 



TransUnion has failed to provide this information. Instead, they continue to report false and damaging information, ignoring my dispute and violating federal law. 

This has caused me credit denials, emotional distress, and financial harm.

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 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
Contacting XXXX because it was a transfer from their company to my new XXXX XXXX they never reached to me with a new charges and they continue to charge, but they didnt give me no detail bill as asked from XXXX to process the refund to them for that matter, they put it in collections and there are XXXX different accounts with XXXX different amounts XXXX from XXXX and XXXX for third-party collection agency which I told them that actually I do not own XXXX for any devices due to the XXXX offer to pay for the transfer, but they refuse to give a detail bill like we asked for them to give

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-07-01 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:
Earlier today, while doing my usual credit report review, I came across some discrepancies that appeared out of the blue. I attempted to refresh my browser hoping it was a temporary glitch, but the inaccurate accounts persisted. As a result, I would appreciate it if you could carefully review the documents Ive sent so this issue wont trouble me again.

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 2025-07-01 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/year> I wrote a PNC Bank check ( check # XXXX ) to XXXXXXXX XXXX for {$7500.00} to pay off my credit card. On XX/XX/year> the check was cashed for {$8400.00} payable to XXXX XXXX XXXX. I believe that the check was stolen by someone at the Post Office and I have filed a complaint with the Post Office ( # XXXX ). I also filed a police report at the instruction of PNC Bank. 

I have requested that PNC Bank refund my money as this is obviously fraud ( the check was washed and changed ) but I have not heard back from anyone at the bank. 

The Case Number at PNC is XXXX. The Fraud number at PNC is XXXX. 

Thank you very much in advance for looking into this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CO

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 explanation
Consumer complaint received 2025-07-01 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: AL

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I noticed several different items pending in my account ( see attachment ) that were legitimate. I understood that I may incur an overdraft fee for the last transaction ( XXXX {$290.00} ) if I didn't cover it by the next day. I woke up this morning, and not only did the bank rearrange the transactions, but the representative stated that I would incur 5 overdraft fees because they put the {$290.00} before other transactions ( see XX/XX/XXXX attachment ). I have both printouts and a recording of what occurred. This bank keeps doing things like this, and it is wrong for them to continue to defraud their customers like this. The only reason I keep this account is because it's convenient for me, as I am XXXX. I am so sick of this bank doing things like this, and they must be held accountable. I will be adding money to my account later today to cover this amount because I can not afford any overdraft fees, especially not 5 of them! This bank hasn't learned a lesson in XXXX, and they have no regard for its customers. I have also attached the recording of my conversation with a bank representative. I have been complaining and sending evidence in on this bank forever, and no one is holding them accountable. I will be adding money because I don't want overdraft fees. However, each time Regions does things like this, it causes me anxiety, and I have to get out of my home and/or spend countless hours trying to talk them out of assessing overdraft fees. I am sick with several XXXX  XXXX and a XXXX XXXX, and I am on a breathing machine. All efforts to get out of my home are a challenge for me, and the people at Regions on XXXX XXXX in XXXX, LA, know this, especially XXXX. This is causing me grief and pain because I also have XXXX, and this further halts me from leaving my home. I swear, I felt retaliated on, because they just do not stop! I have had to cover overdrafts quite often because of their rearranging transactions. They tried not to deposit my money last time to give me an overdraft fee. I sent you that info as well. I also believe that they are withholding my {$400.00} deposit because the merchant who was to put it in stated that they sent that money to my bank since the XXXX of XXXX. Tell me why that money wasn't added to my bank account by today ( 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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AL

Complaint narrative:
XXXX and XXXX filed a lawsuit against me without proper service of subpoena and forced me to pay a amount I don't owe on a Discover card. They refused to provide me statements after I disputed the collection. When attempting to contact them, they will place you on hold and then after hours hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NJ

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

UNAUTHORIZED INQUIRIES 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 2025-07-01 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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