vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In XX/XX/year>, I was contact by the credit card issuer that my payment was past due in the amount of {$230.00}. I immediately paid the amount that was supposed to be due on XX/XX/year> ( it was approx. XXXX hours late ). 

I noticed a {$29.00} late fee assessed on the same day the payment was due, ( XX/XX/XXXX ). I called to inquiry about a courtesy removal of the fee based on prior account history, length of customer loyalty and fact that I have never missed or been late on a payment. 

The credit card issuer stated that my account was not eligible for a removal of the fee and " the system would not allow them to do so '', even though they tried to remove the fee and felt it was a customer request that seemed reasonable. 

On XX/XX/year>, {$28.00} was assessed in interest charges for payment being XXXX hours late. I again reached out ( this time via customer service chat on the AMEX website ) and received the same response as above. 

I noted that nearly {$50.00} in late fees and interest charges didn't seem at all proportional to the amount that was not paid timely. I was just told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Transunion associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Transunion has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CRED Technologies dba cred.ai
State: WA

Complaint narrative:
XX/XX/year> XXXX XXXX EST- I used XXXX ( XXXX XXXX MA ) service to send cash to my account with Cred ai -partners with XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXX EST- XXXX XXXX messages XXXX confirmed funds were delivered to the receiving institution XXXX XX/XX/year> XXXX  XXXX Inquired with XXXX about money not yet received and was instructed it could take up to XXXX business days XX/XX/year> XXXX EST- Inquired with Cred ai emergency support about money not yet received and was instructed it could take up to XXXX business days XX/XX/year> XXXX EST- Inquired with Cred ai emergency support about money not yet received after XXXX business days, requested an escalation, and was told to wait for escalation XX/XX/year> XXXX EST- Phoned XXXX but was instructed to work with Cred ai XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX Cred ai escalation emails with requests for the XXXX XXXX XXXX XXXX, to which I said I do not know what that means. Later, I phoned XXXX, and the agents denied me the XXXX trace code. Relayed the XXXX investigation email to escalation. Cred ai escalation states they can not help. I called the emergency line back, and another agent said the escalation was closed without my knowing. The agent said a new ticket needs to be opened with the higher dispute team that executes the investigation when I asked why it was not automatically done by escalation. The agent provided the dispute, which will take up to 90 days to get an answer. I stated it was missing money, not fraud, and the agent agreed. Phoned XXXX and XXXX suggested a XXXX call, and I agreed. XXXX representative phoned XXXX XXXX and listened in on all calls with the next XXXX Cred ai agents from the emergency line to the dispute team, where I received changing responses, the same questions already responded to in documentation, hangups, vague responses, denial of transfer to management, and requesting of information that the agents should have as part of their expertise. XXXX rep. connected me with her manager to help. XXXX and Cred ai know my money 's still missing, and I need immediate access to funds for required work travel on Monday morning. 
XX/XX/year> XXXX EST- I phoned XXXX about my missing money, and the agent automatically placed it on investigation and told me to wait up to 25 days. A supervisor placed an expediting request for the investigation. XXXX investigation responds with an email stating the denial of a refund, stating the money was received by the receiving end. XXXX is aware my money is still missing, and I need immediate access to funds for required work travels on Monday morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I am filing this complaint against Equifax for failing to respond within the required 30-day timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) .On XXXX XXXXXXXX I submitted a formal dispute regarding, 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within 30 days. However, as of today, I have received no response. Since the required time frame has elapsed without proper verification, I demand the immediate deletion of the disputed account ( XXXX ) from my credit report, as failure to verify within the given timeframe means the information must be removed per FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
XXXX. 

Contacted TransUnion, Equifax, and Experian regarding data breach. My credit report is inaccurate in many ways, and has failed to update properly. Wrong account information, balances, personal information, birthdates, address, phones numbers, work places, are all in accurate on some or all accounts listed on all 3 credit bureaus Please delete credit report for Experian, TransUnion, and Equifax

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 2025-03-06 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: CA

Complaint narrative:
My account with EQUIFAX XXXX 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  days before the payment due date. 


EQUIFAX 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 XXXX  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 non-monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/year> - CREDENCE RESOURCE MANAGEMENT - XXXX THEY CALLED STATING I OWE {$2000.00}, I INFORMED AGENT IT WASNT MY ACCOUNT AND I AM A VICTIM OF ID THEFT AND STATED THEY NEEDED TO REMOVE OFF OF MY PROFILE. AND THEY CONTINUED TO CALL ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I would like my first deliquency date to be accurate on ALL MY CREDIT REPORTS. 

Its hard to get rid of late payment status if they are not reporting my account as accurate as possible. 

My first deliquency date was in XX/XX/XXXX per the Loan company. However, none my credit report has my first deliquency date, which is making this loan and late payments carry on longer then it should. PLEASE PLEASE ADD my dates. 

I ADDED a document sent from them ( Email XX/XX/XXXX ) that list the first date delinquent.

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 2025-03-06 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: CO

Complaint narrative:
I would like my first deliquency date to be accurate on ALL MY CREDIT REPORTS. 

Its hard to get rid of late payment status if they are not reporting my account as accurate as possible. 

My first deliquency date was in XX/XX/XXXX per the Loan company. However, none my credit report has my first deliquency date, which is making this loan and late payments carry on longer then it should. PLEASE PLEASE ADD my dates. 

I ADDED a document sent from them ( Email XX/XX/XXXX ) that list the first date delinquent.

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 2025-03-06 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I would like my first deliquency date to be accurate on ALL MY CREDIT REPORTS. 

Its hard to get rid of late payment status if they are not reporting my account as accurate as possible. 

My first deliquency date was in XX/XX/XXXX per the Loan company. However, none my credit report has my first deliquency date, which is making this loan and late payments carry on longer then it should. PLEASE PLEASE ADD my dates. 

I ADDED a document sent from them ( Email XX/XX/XXXX ) that list the first date delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Police took my car and I stopped paying on it cause I couldnt drive it now its a repo on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX as listed on my credit report. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX as listed on my credit report. They did not provide me with the original contract as requested.

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 2025-03-06 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: IL

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 1681. 


FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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