vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC
State: TX

Complaint narrative:
I am submitting a complaint against behalf of XXXX XXXX XXXX and the credit reporting agency ( XXXX, XXXX, and XXXX ) for incorrectly reporting the Date of First Delinquency ( DOFD ) on an eviction-related debt. 

I resided at XXXX XXXX XXXX from XX/XX/XXXX, till XX/XX/XXXX. The ledger provided by property management ( attached ) shows that my account was last updated on XX/XX/XXXX, with a {$16.00} credit. Rent is due on the first of each month, with late fines after the fifth. The ledger shows that my payments from XX/XX/XXXX, onward were insufficient to bring the total to zero, indicating that I went delinquent in XX/XX/XXXX and never paid up. 

Despite this, the property management business or credit bureau has listed the formal eviction date ( XXXX XXXX ) as the DOFD. This misrepresents the true delinquency date and effectively re-ages the bad information, keeping it on my credit report for longer than is legally allowed. 

Supporting documents : The ledger/statement from XXXX XXXX XXXX ( attached ) shows : XX/XX/XXXX : {$16.00} credit ( the account is current ). 
XX/XX/XXXX : Rent charge posted ; subsequent partial payments did not restore the {$0.00} balance. 
Correspondence or emails from the property manager mentioning the eviction date instead of the DOFD ( if available ). 


Timeline : My account was last completely current on XX/XX/XXXX. 
XX/XX/XXXX : Rent is due ; from this moment forward, the ledger indicates insufficient payments to bring the account current, resulting in the DOFD. 
XXXX XXXX : Formal eviction date ( legal action ), which does not reset or update the DOFD for credit reporting reasons. 

Why is this a violation? 

The Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ) ( XXXX ), requires negative information to be erased 7 years from the Date of initially Delinquencythe moment at which I initially went delinquent and never made the account current. Using the eviction date ( XXXX XXXX ) instead of XX/XX/XXXX is an illegal extension of the reporting period by the DOFD. 



Requested Resolution : Correct the DOFD to XX/XX/XXXX in all credit reporting, ensuring that the negative information is deleted 7 years from that date ( XX/XX/XXXX ), not from the eviction date. 
If the DOFD can not be verified using documents other than the ledger I provided, the eviction-related debt should be deleted from my credit report right away.

Please provide written confirmation that the DOFD has been repaired or the account has been removed, as well as an updated copy of my credit report. 

I sought to resolve this issue directly with the property management firm and credit bureaus, but the information remained erroneous. 

Thank you for your time and consideration in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: ME

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-03-12 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: ME

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXX/XX/XXXXCorrect Social Security Number : XXXX Correct Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I reported fraudulent transactions that I did not authorize and Chase Banks Back Department Claim team is stating that since the first transactions reported are just outside the ( 60 ) day window that theyre going to deny the claim in its entirety. At least 95 % of the transactions are within the required timeframe to report and I feel I have no other choice but to file this report. They said a few of the transactions were authorized via SMS but I provided proof that I never authorized or responded to those as well as proof of never seeing or opening the emails they sent regarding a few of the transactions. Theyre breaking REGULATION E and their own policys. I have called and spoken with numerous different agents at least 8 times since I filed the claim and have had no provisional credit or help in this matter. Theyre trying to say that if I saw the first few transactions in XXXX that just fall outside of the ( 60 ) days then the other transactions wouldnt have happened and that because of that theyre not going to help me even though its breaking REGULATION E and they will deny the claim even though it is fraudulent transactions. The only reason why I did not see these transactions is the state where I reside doesnt have a Chase Branch and I have Paperless Statements so I dont check my Chase account unless I am in a state with a branch which in the timeframe this all took place I wasnt. Under Consumer Rights and all the policys that are in place I am not liable for these fraudulent transactions and Chase Bank has to honor and rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Deletion Due to TransUnion Failure to Respond within 30 Days Re : CFPB Case # XXXX Re : Account Name/Number : XXXX XXXX Dear TransUnion I am writing regarding my previous dispute on the account listed above, which I submitted on [ XX/XX/XXXX ]. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within 30 days of submission. It has now been more than 30 days since my dispute was filed, and the original creditor, [ XXXX XXXX ], has failed to respond to the dispute. 

As per the law, since the credit bureau has not responded to the dispute within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Therefore, I request that you delete the [ XXXX XXXX ] from my credit report immediately as the original creditor has failed to verify the accuracy of the reported information within the statutory period. 

Please note that I have already sent a certified letter to the original creditor requesting validation of the debt, but they have not provided any verification or documentation in the required time. As such, under the Fair Credit Reporting Act ( FCRA ), the account should now be considered disputed and should be removed from my credit file. 

Additionally, please send me an updated copy of my credit report reflecting the removal of this account after you have taken the necessary actions. 

Failure to comply with my request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies under the Fair Credit Reporting Act ( FCRA ), and taking appropriate steps to enforce my rights. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/XXXX NATIONAL CREDIT SYSTEMS, INC XXXX XXXX XXXX XXXX, Ga, XXXX Dispute of Debt Collection Due to Failure to Properly Investigate To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your collection notice, [ Account Number ]. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request a proper investigation into the alleged debt. However, I believe that your agency has failed to conduct a thorough and accurate investigation as required by law. 

I previously requested validation of this debt on XX/XX/XXXX, yet I have not received sufficient documentation proving that this debt is accurate, belongs to me, and is legally enforceable. The information you have provided is inadequate, and your failure to properly investigate and validate the debt violates my rights as a consumer. 

I demand that you : 1. Provide all relevant documentation substantiating the validity of this debt, including but not limited to the original creditors name, account statements, signed agreements, and proof of ownership.

2. Cease all collection activities, including reporting this debt to credit bureaus, until a proper investigation has been completed.

3. Correct any inaccurate reporting with the credit bureaus and notify me of any updates made to my credit file. 

If you fail to comply with these requests, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal action for any violations of my consumer rights.

Please respond to this dispute in writing within 30 days of receiving this letter. Failure to do so will confirm that you can not verify the debt, and I will demand its removal from my records. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-13 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
XXXX XXXX, XXXX, XX/XX/XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX INQUIRIES XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The information XXXXXXXX XXXX  submitted to Experian Credit Bureau is incorrect information. I am NOT deceased as XXXX XXXX stipulated. This information was fraudulently sent by XXXX XXXX XXXX 

Below is the fraudulent information sent to Experian Credit Bureau : Account info Account name XXXX XXXX  Account number XXXX Account type Charge Card Responsibility Deceased Date opened XX/XX/XXXXXXXX  Status. {$170.00} written off. 
Status updated XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
On XX/XX/year>, Navy Federal Credit Union allowed a credit card transaction to access my account without my permission. A total of {$520.00} was withdrawn from my account without my knowledge. I had previously entered into a debt settlement agreement with an external agency, XXXX XXXX, which contacted the credit card department at Navy Federal Credit Union to negotiate and resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/year>, I filed a dispute for an unauthorized transaction of {$1500.00} processed via XXXX while my phone was stolen. My bank acknowledged the dispute, but I am growing concerned because the 10-business-day deadline for issuing a provisional credit under Regulation E is approaching ( XX/XX/year> ), and I have not received confirmation of next steps. 

Issues : While this dispute is still under review, I want assurance that my bank will follow federal guidelines and issue a provisional credit if the investigation is not completed within the legal timeframe. 

I am requesting regular status updates and confirmation that my rights under Regulation E are being upheld.

Company response to consumer: Closed with explanation