vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered a paid loan account being reported by XXXX XXXX XXXX  ( appearing as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have never applied for, opened, or authorized any loan or account with this company. This is a clear case of inaccurate reporting and possible identity theft. I am demanding that this account be thoroughly investigated and permanently deleted from my credit report, as I have no affiliation with it whatsoever.

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 2025-04-26 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: TX

Complaint narrative:
My account with XXXX XXXXXXXX XXXX AND 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 XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary.

Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am filing a dispute regarding the XXXXXXXX XXXX XXXX account as reflected on my credit reports from Equifax, TransUnion, and Experian. The information being reported is inaccurate and damaging to my credit profile. 

Specifically : Equifax is reporting Not more than XXXX payments past due and XXXX days past due. 
TransUnion is reporting XXXX  days past due and XXXX  days past due. 
Experian is reporting Account transferred to another office with XXXX days delinquent. 

The discrepancies between the bureaus are inconsistent, and I believe these delinquency statuses are inaccurately reported or should not be reported at all. Furthermore, the account reflects a {$0.00} balance across all agencies, indicating the debt was satisfied or transferred, yet derogatory marks remain, which is misleading and unfair under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I request : 1. A full investigation into this accounts reporting. 2. Verification and documentation proving the accuracy of the reported delinquencies.

3. Immediate correction or removal of any inaccurate, outdated, or unverifiable information.

Please update all three credit bureaus accordingly once the investigation is completed.

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 2025-04-26 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: PA

Complaint narrative:
I am submitting this complaint to EQUIFAX regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$370.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 
Please provide the following information : 1. 
The name and address of the original creditor. 
2. 
The original account number associated with the debt. 
3. 
The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added. 
4. 
Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency. 
5. 
Copies of any signed agreements or contracts establishing my liability for this debt. 
6. 
Proof that the debt is within the applicable statute of limitations. 
7. 
Copies of any judgments obtained against me ( if applicable ). 
8. 
The full name and address of any previous collectors who have attempted to collect this debt. 
Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am respectfully requesting your assistance regarding several potential violations of the Fair Credit Reporting Act ( FCRA ) committed by multiple creditors, which have adversely impacted my credit report. 

Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy in the handling of my personal and financial information. Furthermore, pursuant to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing information concerning my accounts without my written authorization.

Additionally, under 15 U.S.C. 1666b, creditors are not permitted to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, provided the payment was received by the due date and in accordance with the terms specified. 

The creditors involved in this matter are as follows : American Express ( Amex ), XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), XXXX XXXXXXXX XXXX ( XXXX XXXX ), XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX Bank XXXX XXXX ). 

I am disputing the reporting of late payments associated with these accounts, as I believe they may have been inaccurately recorded or improperly reported in violation of my rights under federal law. 

I respectfully ask for the CFPBs assistance in investigating these concerns and ensuring that my rights as a consumer are properly upheld. I am prepared to provide any additional documentation or information necessary to assist with your review. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I am submitting this complaint to TRANSUNION regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXX XXXX * * * * Balance Owed : {$55.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * Balance Owed : {$0.00} 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 2025-04-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA charged off a credit account using my Social Security number ending in XXXX and reported the accounts ( XXXX, XXXX ) as derogatory on my credit report. I was never properly notified of this charge-off, nor was I provided with a Form 1099-C ( Cancellation of Debt ) as required by IRS regulations if the debt was indeed forgiven and submitted as taxable income.

This raises two major concerns : 1. Violation of the Fair Credit Reporting Act ( FCRA ) The charged-off accounts continues to be reported to the credit bureaus as an unpaid debt. If USAA wrote this off and submitted it to the IRS, continuing to report it as an active, delinquent account is inaccurate and misleading.

2. Potential tax fraud If the debt was canceled and reported to the IRS without issuing me a 1099-C, this could affect my tax filings and constitutes a potential violation of federal tax law.

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 2025-04-26 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
b"Subject : Request for removal of -ve Reporting to the Bureau with immediate effect\n\nTo whom it may concern \nDear Sir/Madam,\nI am writing to request the immediate removal of adverse information reported to the credit bureaus concerning my SDCCU account for XXXX XXXX I have been a loyal SDCCU member for over one and a half decades.\nThe negative reporting stems from a payment shortfall of XXXX in XXXX XXXX. This occurred because SDCCU's system currently lacks the functionality to automatically withdraw the minimum payment due from an external account, a standard feature offered by other institutions I use (e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  there are many ). Consequently, I utilize XXXX XXXX  Bill Pay service, configured for a fixed automatic payment of XXXX monthly. In XXXX, the required minimum exceeded this fixed amount.\nUpon notification in late XXXX XXXX, I immediately remitted XXXX, covering the shortfall and the subsequent payment, which was credited in early XXXX XXXX. This demonstrates my commitment to fulfilling my obligations.\nThis adverse reporting, which stems directly from a limitation in SDCCU's available payment options rather than any negligence on my part, has unfortunately resulted in a quantifiable decrease of XXXX XXXX to my credit score. This reduction now critically impacts my ability to secure essential financing, specifically an education loan required for my son. It is unacceptable that I bear the significant negative consequences of this credit score impact, especially regarding my son's education, due to a known limitation within SDCCU's own systems. Therefore, I formally request that SDCCU take immediate action to retract the negative report submitted to the credit bureaus regarding this incident.\nFurthermore, I strongly recommend SDCCU implement functionality allowing members to establish automatic minimum due payments from external accounts to prevent such issues in the future.Meanwhile I will ensure on my part that this never happens.\nThank you for your prompt attention to this critical matter. I anticipate confirmation of the requested correction.\nSincerely,XXXX XXXXCredit Card# XXXX XXXX XXXX XXXXPhone Number: XXXX  Email Address: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
PLEASE REMOVE " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report. Dear EQUIFAX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as federal law requires. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to investigate consumer disputes properly, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled similarly. Please review the Inaccurate Information being reported : I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESUME : NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT THEREFORE EXISTS. ( PLEASE REMOVE ALL ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ). 

PLEASE REMOVE ALL ACCOUNTS LISTED : " XXXX '' Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation clearly and comprehensively. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to the dispute. If you fail to resolve his matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I tried informing the company I was a victim of identity theft in XXXX and XXXX when the account was opened. This was not the only account opened without my authorization it was bank account, several credit card accounts, and personal loans. Theses things were not done by me not given consent by me I tried calling the bank and fixing it but they made me settle out the account however the account is still on my credit after we agreed they would take it off after I paid even thought the debt wasnt mine to begin with. I will attach the lawsuit I was evolved in due to the identity theft. It was dropped and I sued them because I was able to prove XXXX XXXX XXXX XXXX XXXX XXXX during the time of this incident. And the account in fact did not belong to me and the courts granted me the win.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
This is my fourth and final attempt to have inaccurate and unverifiable information properly addressed on my Experian credit report, in compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple prior disputes, Experian has failed to provide full and accurate verification, nor has it corrected or deleted the disputed information as required. 

Specifically : Incorrect Name Variations Still Present I requested that you retain only my legal name ( XXXX XXXXXXXX ID : XXXX ) and delete all incorrect variations ( such as XXXX XXXX ID : XXXX ). This has not been fully addressed. 

XXXX XXXX Account Remains Inaccurate Despite Experian claiming updates, no legitimate verification or correction was provided. 

The associated address ( ID : XXXX ) is completely inaccurate and unrelated to me. 

Experian has failed to comply with FCRA 1681e ( b ) by continuing to report inaccurate information. 

Failure to Provide Method of Verification Under FCRA 1681i ( 7 ), I specifically requested the method of verification, including the name and full contact information of the verifying party and a description of the investigation conducted. 

You have failed to provide this information, another clear violation of my rights. 

Given these repeated failures, Experian is now in willful noncompliance with federal law. If Experian can not provide full verification or accurate correction of these disputed items, you must delete them immediately.

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