vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX 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 XXXX XXXX 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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, who attempted to collect and successfully collected a debt that was incurred through financial deception by my former spouse. The original debt stemmed from a credit card used to purchase furniture, which my former spouse retained after we separated. He falsely assured me the debt had been paid and even provided fraudulent documentation. Years later, I discovered it had not been paid, and it was then collected by XXXX. 

This was an instance of identity and financial abuse. I have since resolved the matter legally through a divorce settlement, which required him to repay the debt to me directly, which I in turn made payments to XXXX XXXX XXXX to resolve the account balance. However, XXXX XXXX XXXX continued reporting this item to the credit bureaus and it still appears on my credit report. 

This reporting has caused years of financial harm and is inconsistent with the actual legal resolution of the debt. I am requesting a full investigation into how this account was verified and reported, and a full deletion of this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the reinsertion of previously removed fraudulent accounts on my credit report. These accounts were previously deleted after an identity theft investigation, supported by complaints to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

These accounts include : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Acct # XXXX Balance {$59000.00} and still accumulating XXXX XXXX XXXX Opened XX/XX/XXXX Acct # XXXX Balance {$1000.00} XXXX XXXX XXXX Opened XX/XX/XXXX Acct # XXXX Balance {$750.00} XXXX XXXX  Opened XX/XX/XXXX Acct # XXXX Balance {$1000.00} According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) states : A consumer reporting agency may not reinsert the item in the consumers file unless the person who furnishes the information certifies that the information is complete and accurate, and the consumer reporting agency notifies the consumer no later than 5 business days after the reinsertion. 

I was not been notified within 5 business days of the reinsertions, as required by law. 

Furthermore, FCRA Section 605B, 15 U.S.C. 1681c-2 states that : A consumer may block the reporting of information that resulted from identity theft by submitting an identity theft report and proper identification to the consumer reporting agency. 

I previously submitted an FTC Identity Theft Report, documentation supporting my claims, and you removed the fraudulent information. Reinserting it without proper certification and notification is a clear violation of the FCRA. 
I have included copies of the prior FTC Reports, my prior credit report confirming the accounts were deleted, Experians confirmation of deletion, and my current report showing them reinserted.

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 2025-06-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-06-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-06-07 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 called XXXX times months of XXXX, and XXXX. I told them my hardships, and they granted me an extension. following the direction of staff, i was never late. ever. I called multiple times a month knowing the phone conversations were recorded to avoid a late payment The company went out of business or sold my account, I call so much because none of the staff was knowledgeable about the company. I received a late payment I spoke with a manage and again she was unaware of anything I spoke of. denied the reversal of late payment I requested a view of the recorded conversation, detailing the lies and misleading information given to me. I was never granted that investigation. I was never late!!

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 2025-06-07 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: NJ

Complaint narrative:
I called XXXX times months of XXXX, and XXXX. I told them my hardships, and they granted me an extension. following the direction of staff, i was never late. ever. I called multiple times a month knowing the phone conversations were recorded to avoid a late payment The company went out of business or sold my account, I call so much because none of the staff was knowledgeable about the company. I received a late payment I spoke with a manage and again she was unaware of anything I spoke of. denied the reversal of late payment I requested a view of the recorded conversation, detailing the lies and misleading information given to me. I was never granted that investigation. I was never late!!

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 2025-06-07 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: NJ

Complaint narrative:
I called XXXX times months of XXXX, and XXXX. I told them my hardships, and they granted me an extension. following the direction of staff, i was never late. ever. I called multiple times a month knowing the phone conversations were recorded to avoid a late payment The company went out of business or sold my account, I call so much because none of the staff was knowledgeable about the company. I received a late payment I spoke with a manage and again she was unaware of anything I spoke of. denied the reversal of late payment I requested a view of the recorded conversation, detailing the lies and misleading information given to me. I was never granted that investigation. I was never late!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Complaint Regarding Student Loan Servicing and Late Payment Reporting I am submitting this complaint regarding a late student loan payment reported by Nelnet following the resumption of payments after the XXXX forbearance pause. 

Due to circumstances beyond my control, I was unaware that payments had resumed. My Nelnet account was originally set up using my parents contact information and login credentials. Following their divorce, I lost access to the account. Additionally, the mailing address and email associated with the account remained theirs, and I have not lived at that address in nearly 10 years. As a result, I received no communication about the end of the forbearance period or that payment was due. 

I only discovered the missed payment when I noticed a significant drop in my credit score. Upon investigating, I learned that Nelnet had reported my loan as XXXX days past due as of XX/XX/XXXX. I immediately contacted Nelnet and scheduled payment in full, which has now been completed. 

This situation was never the result of negligence or unwillingness to pay, but rather a breakdown in communication and access due to personal life changes and outdated contact information. 

I am requesting that this incident be reviewed. I believe the late payment reporting was unfair given the lack of reasonable communication and my prompt corrective action. I ask that XXXX reporting be re-examined and, if appropriate, the negative mark be removed from my credit history. 

I am happy to provide any documentation or a detailed timeline if needed. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX digits of XXXX : XXXX Nelnet Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year>, I paid off my financed furniture account in full with a payment of {$1000.00}. This payment, to my understanding, included the full principal balance and all interest accruedsince I had been paying interest each month. 

On XX/XX/year>, I noticed a credit/refund of {$690.00} had posted to my account. I called the company to ask about it, and a supervisor confirmed on the phone that I was owed that amount due to an interest adjustment. She stated the refund was valid and processed a check, which I later received and deposited. 

On XX/XX/year>, I checked my account again and was shocked to see a balance due of {$690.00}. I immediately called the company and was told that the refund had been a mistakesomeone had apparently waived interest in error, and now they were reversing it and requiring me to repay those funds. 

I explained that I had already spent the refund on essential bills based on the supervisors confirmation that it was rightfully mine. Despite this, I was told I must pay the money back, and no one took accountability for the companys error. The representatives I spoke to were dismissive, offered no resolution, and would not escalate the issue further. 

I believe this is deeply unfair and deceptive. I paid my full balance, was told by a supervisor I was owed a refund, and now I am being penalized for the companys internal mistake. I am requesting the Consumer Financial Protection Bureaus assistance in resolving this matter, as I should not be held responsible for errors made by their staff.

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 2025-06-07 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: NH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
To whom it may concern : UNKNOWN CREDITOR / INFORMATION WITHHELD - XXXX balance of XXXX has been reported to the Credit reporting agency with falsified and inaccurate information. The credit reporting agency has listed information about an account that is not mine and has failed to reveal the creditor, which suggests fraudulent information was reported. I have never had an account with a creditor, and requested validation of this debt due to fraud and inaccurate reporting to or by the credit bureau. I have received a copy of my credit report. To my surprise, you are reporting this account shown above as false with the intent to ruin my reputation and name. 

This collection account is reporting not only as OPEN as of XX/XX/XXXX but also shows a XXXX XXXX XXXX Collection Account 1 past due as of XX/XX/XXXX, past due balance XXXX XXXX XXXX  which is shown above as false information I do not have an open active or validated account with UNKNOWN CREDITOR / INFORMATION WITHHELD According to FCRA, I have the right to accurate credit reporting. 

Please remove UNKNOWN CREDITOR / INFORMATION WITHHELD act XXXX XXXXXXXX account immediately upon receiving this information from my credit report as a collection. Please provide me with a copy of my new credit report reflecting removed from reporting as collection account.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, submitted an application and was approved for a new checking account in connection with a promotional offer of {$500.00} bonus for {$2500.00} in direct deposits. On the morning of XX/XX/year>, attempted to log into my online banking profile to determine if my opening deposit had processed and obtain the account and routing number for direct deposit, noticed my online banking profile had been decommissioned. I am belief and suspicion that this was done for the sole purpose of denying any promotional offer and as an act of bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
Equifax did not respond that the ED Financial information was verified and it should be removed from my credit reporting file. In fact in the company 's response they did not verify any of my disputed items belongs to me except DEPARTMENT OF EDUCATION. Equifax did not provide verification on the historical accuracy of the disputes items either. Therefore all disputed items should be removed due to incomplete investigation.

Company response to consumer: Closed with explanation