vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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 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. 
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 2025-02-19 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 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. 
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 2025-02-19 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: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate and erroneous accounts appearing on my credit report as maintained by your agency. Since I have been affected by the XXXX and XXXX Data Breach I have attached my XXXX Credit Report that clearly has removed the accounts in question due to the data breach.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
My account with XXXX 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 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 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 2025-02-19 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: PA

Complaint narrative:
My account with XXXX 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 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 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 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I called Jefferson Capital system to take care of a debt that was on my credit report that I received XX/XX/XXXX. They were very rude when I tried to make a payment arrangement then demanded my account number and my routing number for my bank I denied them then called XXXX XXXX which was whom they said I owed the debt to they stated that I did not have a debt on or before XX/XX/XXXX. Then I called a lawyer to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: AL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-19 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: PA

Complaint narrative:
To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation 15 U.S. Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. As stated in 15 U.S.C. Sec. XXXX ( a ), I expect this reinvestigation to be completed within XXXX days of receiving this letter. 

Please provide an updated copy of my credit report to the aforementioned address. According to the law, there should be no fee associated with this updated report. Additionally, I request that you notify any recipients of my credit report in the past XXXX months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully ask you to quickly take steps to eliminate the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it XXXX concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to XXXX XXXX XXXX ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX SC XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$450.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$22000.00} 5. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$1400.00} 6. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3000.00} 7. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$11000.00} 8. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$11000.00} 9. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$18000.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX 6.Account name : XXXX Amount Opened:XXXX 7.Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX 8.Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX 9.Account name :XX/XX/XXXXAmount Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
To whom it XXXX concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to XXXX XXXX XXXX ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX SC XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$450.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$22000.00} 5. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$1400.00} 6. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3000.00} 7. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$11000.00} 8. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$11000.00} 9. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$18000.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX 6.Account name : XXXX Amount Opened:XXXX 7.Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX 8.Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX 9.Account name :XX/XX/XXXXAmount 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 explanation
Consumer complaint received 2025-02-19 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: OR

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT PROOF OF TEH 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 2025-02-19 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: OR

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT PROOF OF TEH 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 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
The fees turned out to be much more than loan itself. I will take me years to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was checking out at the At Home store located at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX and the man checking me out attempted to sign me up for a store credit card without telling me he was doing so. I was purchasing a lamp that had clearly been opened and he mention that due to the shape of the box and the lack of having any others in the store he should be able to discount it 10 %. He then asked me for my drivers license and hit a prompt on the computer that created a prompt on the card machine. The prompt on the card machine said something about applying for a credit card. I asked him about the prompt and said I dont not want to apply for a credit card. Despite me making this clear he went on to say that I dont even have to use it, I can just get a discount and that it is a soft hit on my credit if that is what I was worried about. I expressed again that I did not want a credit card, that I do not open store credit cards for discounts. He then proceeded to give me a 10 % discount anyway due to the open package without applying for the credit card ( any mention of a discount was always his idea and was never requested by me despite how the condition of the package was ). He never made it clear to me that he was applying me for a credit card. I am used to regularly turning these type of cards down and would have had no problem saying no thank you had he mentioned it. I am XXXX XXXX XXXX, have shopped a lot in my life, and have never had a situation like this before. The man was very weird and uncomfortable throughout my time at the counter but clearly was not being straight forward. My receipt shows XX/XX/year>, XXXX, {$120.00}, XXXX XXXX, retrieval number XXXX, barcode XXXX. I do not know his name and it is not on my receipt. The man had little to no hair, was probably in his late XXXX or 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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been attempting to access XXXX XXXX  with my XXXX XXXX card since XX/XX/XXXX, but I have been unsuccessful. Despite holding this card for over two years, I have been unable to register through the XXXX XXXX website. 

I have contacted customer service twice, and each time, I was told that this issue is something Capital One is working on. However, it is now XXXX, and I am still unable to access the site or register my card. I continue to receive the following error message : " We can't find that card number in our XXXX XXXX programme, please check the number and try again. Please note that the XXXXdigit number on the back of your card should not include any dashes, spaces or other characters. Access to XXXX XXXX for XXXX XXXX customers becomes available up to XXXX weeks after your card is dispatched. If you continue to receive this error, please try again in a few days or contact us if unsuccessful after two weeks. As a reminder, only your XXXX XXXX physical card number can be used for XXXX XXXX enrolment. '' This has been an ongoing issue for over two months, and I am frustrated that I am unable to access one of the key benefits that comes with my {$390.00} annual fee. I would appreciate Capital Ones immediate assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
A company XXXXXXXX XXXX remains allowed by XXXX to report a medical collection on my credit reports please remove. I have asked them to remove and put a stop on them reporting they have failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents Ive provided so that I can have peace of mind moving forward.

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