vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 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 21 days before the payment due date.

EXPERIAN 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!

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 explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am writing to formally dispute the information reported on my credit report regarding the account XXXX XXXX XXXX XXXX XXXX. According to my records, there have never been any late payments on this account, and all installments have been paid on time. 

However, my credit report currently reflects an inaccurate status that does not properly represent my timely payments. Therefore, I respectfully request that this information be corrected immediately to accurately show that the account is current and without any late payments. 

I appreciate your prompt attention to this matter, and I am prepared to provide any additional documentation needed to support my request.

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a well-established startup founder with a perfect payment history on my Chase credit cards. On XX/XX/year>, I attempted to make a legitimate purchase from a well-known luxury watch dealer, within my credit limit of {$26000.00}. The sequence of events : 1. Transaction was initially declined 2. I called Chase to understand why 3. Was told they needed to " review '' the transaction 4. After 10 minutes on the call, was informed they were terminating ALL my credit cards without warning This occurred despite : - Perfect payment history - Regular bi-weekly salary deposits to Chase - No suspicious activity - Purchase from a legitimate merchant - Amount within my credit limit Chase provided no warning, no temporary suspension, and no opportunity to address any concerns. This immediate termination damages my credit score and was done without any reasonable justification. Their actions seem arbitrary and potentially harmful to consumers who maintain perfect payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been receiving multiple emails and letters in the mail from multiple company stating that my information has been used in the security breach. I have things on my credit report that I never heard of.

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 2025-01-06 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-06 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:
To whom it may concern, I am writing to express my extreme frustration and disappointment with your lack of action regarding my previous communication about fraudulent accounts and inquiries on my credit report. Despite providing you with a detailed FTC Identity Theft Report, you have ignored my request to address this issue.

The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any of these transactions on my report. I am now formally demanding that the following accounts, addresses, and inquiries be blocked and permanently deleted from my report within four ( 4 ) days of your receipt of this letter. This request is not made in error nor based on any misrepresentation of facts regarding the transactions. As a consumer, I have the right to dispute any inaccurate or fraudulent information reported to the credit bureaus, as outlined by the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fraudulent Inquiries : XXXX  Your failure to address this matter promptly leaves me with no choice b

ut to consider pursuing legal action to enforce my rights. Should this information not be blocked and deleted within the specified four-day period, I will take steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. Additionally, I will seek legal remedies to hold you accountable for your negligence and failure to comply with federal law. I trust you will take this matter seriously and act accordingly. Please confirm in writing once the requested deletions have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
To whom it may concern, I am writing to express my extreme frustration and disappointment with your lack of action regarding my previous communication about fraudulent accounts and inquiries on my credit report. Despite providing you with a detailed FTC Identity Theft Report, you have ignored my request to address this issue.

The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any of these transactions on my report. I am now formally demanding that the following accounts, addresses, and inquiries be blocked and permanently deleted from my report within four ( 4 ) days of your receipt of this letter. This request is not made in error nor based on any misrepresentation of facts regarding the transactions. As a consumer, I have the right to dispute any inaccurate or fraudulent information reported to the credit bureaus, as outlined by the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fraudulent Inquiries : XXXX Your failure to address this matter promptly leaves me with no choice but to consider pursuing legal action to enforce my rights. Should this information not be blocked and deleted within the specified four-day period, I will take steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. Additionally, I will seek legal remedies to hold you accountable for your negligence and failure to comply with federal law.

I trust you will take this matter seriously and act accordingly. Please confirm in writing once the requested deletions have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute letter dated XX/XX/XXXX. Please be advised, this is the second written request you have received. Under Section 609 of the Fair Credit Report Act ( FCRA ), I requested that you provide physical verification of the originally signed consumer contracts for any and all accounts that are currently being reported on my credit file. 

Specifically, I requested the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report.

2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
Under FCRA Section 611, if proper verification can not be confirmed, inaccurate information must be removed. To date, I have not received sufficient evidence that the disputed accounts have been properly verified or that the credit bureau conducted a thorough investigation. 
Additionally, under the FCRA Section 617, reporting inaccurate or incomplete information is a violation of federal law. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer. I am a litigious consumer that fully intends on pursuing litigation if this matter is not resolved promptly. 
To reiterate, the disputed items are : XXXXXXXX XXXX XXXX Account Number XXXX Date Open XXXX XXXX Balance {$430.00} XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$0.00} XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$94.00} XXXX XXXX  Account Number XXXX Date Open XX/XX/XXXX Balance {$0.00}

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 2025-01-07 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: TX

Complaint narrative:
This letter serves as a formal notice of violations of multiple federal and state laws These violations include, but are not limited to, the following : FEDERAL VIOLATIONS-. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6801-6809 : Failure to safeguard my nonpublic personal information ( NPI ) as required under the Privacy and Safeguards Rules.Unauthorized disclosure of NPI to third parties without my consent. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : your agents or third-party debt collectors engaged in deceptive or abusive practices during the repossession process, including unauthorized access to or disclosure of my financial information. Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681 : Improper access to or reporting of my credit information Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 et seq. : Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) by mishandling my information or failing to adhere to legal repossession practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demands and Notice of Legal Action-To resolve this matter and avoid escalation, I formallydemand the following : Remove this account from my credit profile. This letter serves as formal notice of intent to pursue all available remedies under applicable law. I urge you to treat this matter with the seriousness it deserves. 

Sincerely, 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 2025-01-06 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: VA

Complaint narrative:
These accounts are reporting fraudulently, please remove the immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I formally dispute the reporting of an XXXX XXXX XXXX  account on my personal credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy in credit reporting. Including this business account, for which I am merely an authorized user and not the owner, constitutes a clear violation of this mandate, as I bear no financial responsibility for this account.

The inclusion of this account has severely impacted my credit score and, consequently, my financial and personal life. It has caused difficulties in securing financial opportunities, including higher interest rates, denials of credit applications, and undue stress. These consequences have arisen solely from the inaccurate reporting of a XXXX  account that does not belong on my personal credit file. 

Additionally, according to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information providers, such as XXXX XXXX , are prohibited from furnishing information they know or have reason to believe is inaccurate. The attached documentation from XXXX XXXX explicitly confirms that this account is a business account, further substantiating that it does not belong on my personal credit report. 

I hereby request the following actions : Immediate re-investigation of this account in compliance with 15 U.S.C. 1681i ( a ) ( 1 ), including a review of the attached evidence, which establishes the account 's status as a business account.

Removal of this account from my personal credit file, as required under 15 U.S.C. 1681c ( a ) ( 6 ), to ensure compliance with accuracy standards mandated by the FCRA.

Please confirm the completion of your investigation and any corrective actions taken within the 30-day period stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX : XXXX XXXX : XXXX XXXX XXXX, XXXX Responsibility : Individual Open/Closed Closed XXXX  Account number XXXX Individual Open/Closed Closed Date Opened XX/XX/XXXX Transunion Responsibility : Individual Date Opened XXXX XXXX, XXXX Date Closed XXXX XXXX, XXXX Thank you for your attention to this serious matter.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the reporting of unauthorized and fraudulent information on my credit report by Experian. Specifically, I have noticed charges from both Net Credit and Open Sky Capital that are not only fraudulent but were reported without my consent, which is illegal under the Fair Credit Reporting Act ( FCRA ). 

I have made multiple attempts to contact both companies requesting proof of my consent for these charges, but despite my efforts, I have not received any documentation supporting their claims. The continued reporting of this information on my credit report is both damaging to my credit and a violation of my consumer rights. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that this fraudulent information is removed from my credit report. It is essential that such inaccurate data be corrected immediately to prevent further harm to my credit standing. 

Please let me know if additional information or documentation is required from my end to support this complaint. I appreciate your prompt attention to this matter. 

Thank you for your time and assistance.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When I went to review my credit profile there was some inquiries that were not mine.

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 2025-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My mom opened and Credit card through capital one and used it and then didn't oayy the bill and now it's on my credit report. This is not my credit card and I have no knowledge of it being opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield sent an email on XX/XX/XXXX which was a e-notice stating they had permission to contact me. This email had an attachment that stated I owed a debt to a rental property, it listed an amount owed with no details about what the debt was for or timing associated. I thought this was a spam email and I did not open until XX/XX/XXXX when I spoke to someone at Hunter Warfield on the phone. We spoke for 15 mins. I told the agent I had never been notified of the debt by the collector when moving out or afterwards and needed detail on what the debt was for. On XX/XX/XXXX I received another enotice sent via email ( from a different email then the email first contact ) from Hunter Warfield ( I saved the first one, so missed this email ). This email contained debt verification that comprised of the lease and a billing statement that has no issuing individual name, no signature, and no proof of being sent via mail or electronically. It is my understanding that this debt verification letter was sent well beyond the time frame required ( 5 days from initial contact ). In addition, this enotice did not provide any guidance as to how to dispute my debt. Finally I believe they intentionally sent it from a different email causing me to miss the email and the response window of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
The office law firm of stillman debt law firm collector. 
The office where I work has issued two letters asking my boss to garnish my wages. 
I still to this day do not know who is the company that is using me and if there is any proof that I used their business to purchase any products or get a credit card. 
Stillman office has now placed a Marshall of Connecticut to harass my boss to pay an amount to a collector that I do not know. 
I have not been called, emailed or mailed any notice of any pending debt collector that I owe.

Company response to consumer: Closed with explanation