vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
My account with 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 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 explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: UT

Complaint narrative:
I recently spoke with a representative from XXXX XXXX XXXX in regards to a debt. I spoke with XXXX XXXX who was extremely rude and used profane language. As I was trying to get some more information at well as find a way to set up a payment plan he continued to say that I am stupid and can figure it out on my own. He refused to have a conversation with me and continued to say that I can leave the debt and have it affect my credit making it so that nobody rents to me anymore. I tried many times to speak to him peacefully however he was extremely rude and refused me any help. I asked to be transferred to his manager where he continued to yell at me and say that the manager will tell me the same thing and that he will transfer me to the managers voicemail. I was transferred and left a voicemail explaining my interaction with him and nobody reached back out to me. On top of that all the other representatives refused that I speak to someone else other than him even though I explained I was not comfortable speaking to him. I would appreciate if the company takes some action in regards to XXXX XXXX because he had XXXX customer service skills and absolutely XXXX manners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: UNITED BANKSHARES, INC.
State: NC

Complaint narrative:
I bought a 2022 XXXX ram XXXX from XXXX XXXX XXXX and it was all badged out with XXXX edition emblems, running boards, Up graded seats, etc. I paid $ XXXX for it realizing it was high due to being a XXXX edition truck. It had XXXX miles on it. So I bought it and XXXX XXXX  financed it. I had it for about XXXX plus years and I went to XXXX XXXX in the XXXX, NC area to possibly trade it on a XXXX dually. I was later informed by the sales guy that the XXXX  number on the truck was not matching up with the XXXX XXXX on the truck. So he later told me to contact him right away and I called him and he informed me that the truck was never a XXXX edition and someone badged the truck up and the truck was a base model ram that the sticker price was XXXX XXXXXXXX since he did obtain a copy of the sticker that came with the truck new. I asked him what the truck would be sold on there lot with XXXX miles on it he said take about {$5.00} XXXX off the sticker and it would be XXXX XXXX NOT XXXX XXXX. He informed me what the dealer did was illegal and the bank going along with the dealer was illegal also. Red flags should of came up with XXXX XXXX or any bank when running the XXXX number on the truck for the selling amount asked. 
So basically I was ripped off by the dealer and Bank and payed way too much on a truck that was never Limited edition to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/year> I received a wire transfer in the amount of {$38000.00} from a customer to purchase product from my business. Without notifying me, BMO Harris Bank placed a freeze not only on the wire transaction, but my entire business checking and savings. I went into a branch after attempting to contact both the wire department and fraud department to clear things up. I brought all business related documents as well as invoices and was told that they wouldn't take it unless requested. My account remains on hold, causing all auto transactions including payroll, child support payments for employees, regular sales, and other inventory purchases on hold jeopardizing my relationships with both customers and vendors and further crippling my company. We have never engaged, or otherwise had any involvement with any kind of fraud or such activity and can not afford to have our entire lively hood frozen over this.

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 2025-08-19 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: IA

Complaint narrative:
A debt collector on the phone asked if [ Name ] was my name, to which I said yes, then proceeded to tell me my birthday, last 4 of SSN, and debt information WITHOUT asking me to verify the my identity first.

I received a call from a debt collector asking for a random person ( Lets call them XXXX XXXX. I returned their call to notify them that this phone number did not belong to a XXXX. The collector then said Tell me if any of these sound familiar : XXXX, [ my first time ] to which I said Yes, the second name is my name. 

Instead of asking me to verify my birthday like usual, they then proceeded to just list off my birthday, the last 4 of my SSN, the debt amount, and bank it is associated with, and asked if I would like to pay it today. 

I did not verify that the information they listed was correct, the only thing I said was Yes, that is my name. To which they just started listing my personal information without verification. I was at work, with their call on speaker phone. It was incredibly inappropriate. 

The call took place at XXXX, XX/XX/year>.

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 2025-08-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: HI

Complaint narrative:
I called Self Financial, Paid Self Financial in Full, they agreed to resolve, close, and remove themselves from all my credit reports, however have not done so as they promised.... Self Financial currently shows on my credit report with a {$0.00} balance, however they did not remove themselves as promised when I paid them in full... Truly Disappointing and I am Hopeful Self Financial will do the right thing and Remove themselves from my credit report as they promised.... 

Thank You...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 submitting this complaint against the three major credit bureaus for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for continuing to report inaccurate and unverifiable information on my credit reports.

I have submitted multiple disputes, including my most recent in XX/XX/XXXX. Despite these efforts, the bureaus have failed to correct or remove the disputed items and have instead issued generic verified responses without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes violations of 1681i ( a ) and 1681e ( b ), which require a reasonable reinvestigation and accuracy in consumer reporting.

Disputed Items Still Unresolved : Incorrect personal information Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXXXXXX XXXX, Date of Inquiry : XX/XX/XXXX Late Payment ( Closed/Paid ) XXXX XXXX , Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Bureaus : Did not provide the specific method and process used to verify the disputed items Did not provide the name, title, or contact details of the furnishers of the disputed accounts Did not provide any documentation relied upon in their verification process

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 2025-08-19 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: MI

Complaint narrative:
I am submitting this complaint against the three major credit bureaus for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for continuing to report inaccurate and unverifiable information on my credit reports.

I have submitted multiple disputes, including my most recent in XX/XX/XXXX. Despite these efforts, the bureaus have failed to correct or remove the disputed items and have instead issued generic verified responses without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes violations of 1681i ( a ) and 1681e ( b ), which require a reasonable reinvestigation and accuracy in consumer reporting.

Disputed Items Still Unresolved : Incorrect personal information Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXXXXXX XXXX, Date of Inquiry : XX/XX/XXXX Late Payment ( Closed/Paid ) XXXX XXXX , Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Bureaus : Did not provide the specific method and process used to verify the disputed items Did not provide the name, title, or contact details of the furnishers of the disputed accounts Did not provide any documentation relied upon in their verification process

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 2025-08-19 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: COLUMBIA BANKING SYSTEM, INC.
State: PA

Complaint narrative:
I am filing this complaint against UMPQUA BANK for failure to furnish accurate information to the credit reporting agencies. Despite previous disputes, UMPQUA BANK continues to provide inaccurate and misleading data that harms my credit standing. This conduct violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to report with maximum possible accuracy and to correct any errors once they are notified. 

The disputed account is UMPQUA BANK ( Acct. No : XXXX ), originally opened on XX/XX/XXXX. UMPQUA BANK has reported this account as closed but is also showing a 30-day late payment in XXXXXX/XX/XXXX. This late payment is inaccurate and does not reflect my payment history. Furnishing false or unverifiable data to consumer reporting agencies is a direct violation of FCRA 623 and creates a misleading picture of my creditworthiness. 

By continuing to report inaccurate data, UMPQUA BANK is in violation of its duty to ensure accuracy and integrity of the information it furnishes. These reporting errors are damaging my financial reputation and are evidence of willful noncompliance with federal law. The failure to correct these errors after disputes have been raised demonstrates negligence and disregard for consumer protections.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I purchased a car back on XX/XX/XXXXXXXX XXXX XXXX. The terms of the purchase was XXXX down payment and first payment due in 45 days, the car was used and financed through XXXXXXXX XXXX. I purchased the car on a Monday and the following Monday went to XXXXXXXX XXXX  to stop the payment of the car to the dealership because I knew I was returning the car ; as the car had electrical problems and many other issues. And I knew that the loan had not been processed as of yet, as a matter of fact, the loan had not been paid to the dealership until XXXXXXXX XXXX XXXX. When I went to the bank I was able to meet with a bank manager by the name of XXXX XXXX, who agreed to help me, I then gave him my account number but he was unable to find the account in the computer so he called the Loan Department. We spoke with a woman named XXXX, she took our information and we waited for her to talk to her manager but she never got back to us so we took her info and called her back later in the day. At that time XXXX told me to return the car to the dealership, and I did. XXXX XXXX, the sales person took the keys and told me to give him the license plate. The bank sold the car and put a charge off on my credit report after they first told me to take the car back to the dealership and the car had not been paid for by the bank at the time of me taking the car back.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I purchased a car back on XX/XX/XXXXXXXX XXXX XXXX The terms of the purchase was XXXX down payment and first payment due in 45 days, the car was used and financed through XXXXXXXX XXXX I purchased the car on a Monday and the following Monday went to XXXXXXXX XXXX to stop the payment of the car to the dealership because I knew I was returning the car ; as the car had electrical problems and many other issues. And I knew that the loan had not been processed as of yet, as a matter of fact, the loan had not been paid to the dealership until XXXXXXXX XXXX XXXXXXXX. When I went to the bank I was able to meet with a bank manager by the name of XXXX XXXX, who agreed to help me, I then gave him my account number but he was unable to find the account in the computer so he called the Loan Department. We spoke with a woman named XXXX, she took our information and we waited for her to talk to her manager but she never got back to us so we took her info and called her back later in the day. At that time XXXX told me to return the car to the dealership, and I did. XXXX XXXX, the sales person took the keys and told me to give him the license plate. The bank sold the car and put a charge off on my credit report after they first told me to take the car back to the dealership and the car had not been paid for by the bank at the time of me taking the car back.

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