vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
my right was violated as a consumer under 15usc1681b and i need these items blocked and deleted of my credit report XXXX XXXX XXXXXXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX  account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX date open XXXX XXXXXXXX XXXX  DEPT OF EDUCATION XXXX  account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX date open XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX date open XXXXXXXX XXXX  NEED REMOVE AND BLOCK FROM ALL THREE CREDIT BUREAU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-06-29 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 non-monetary relief
Consumer complaint received 2025-06-29 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:
I am requesting the removal of multiple unauthorized inquiries from XXXX XXXX XXXX that appear on XXXX  ( XX/XX/year>XXXX  and again on XX/XX/year> ), XXXX  ( XX/XX/year> ), and TransUnion ( XX/XX/year> ). 

These inquiries were made without my consent. I never applied for credit with XXXX, and this is causing harm to my credit profile. 

Ive attempted to resolve this with the bureaus but the inquiries remain. I am now requesting a formal investigation through the CFPB.

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 2025-06-29 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE & WEINER COLLECTION ACCOUNT- ACCT # XXXX This account is being reported inaccurately. The charges that led to this collection account stem from an auto insurance policy that was modified without my knowledge or consent. Specifically, PROGRESSIVE XXXX XXXX added drivers to my policy that I did not authorize. As a result, my premium was improperly increased, leading to an unpaid balance that I never agreed to and should not be held responsible for. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate information on my credit report. I am requesting that this account be thoroughly investigated and removed from my credit file, as it does not accurately reflect my liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Im filing this complaint regarding my TD Bank credit card account and a {$40.00} late fee I believe should be waived due to technical access issues that prevented me from paying on time along with an inaccurate claim that I am over 30 days past due. 

My XXXX payment of {$81.00} was due on XX/XX/XXXX. I paid it early on XX/XX/XXXX. My next payment of {$98.00} was due on XX/XX/XXXX. After that, I was unable to access the TD Bank app due to issues caused by a phone number change ( from XXXX to XXXX ). After the change, I stopped receiving the verification codes needed to log in. 

I called TD Bank multiple times to update my number and regain app access. Each time, I was told the number had been updated, and I specifically asked whether my account was past due. I was told every time that it was not. Despite repeated follow-ups, I was never able to access the app until XX/XX/XXXX, when a representative finally helped reset my password and restored access. 

Upon logging in for the first time since the issue began, I saw that my account is marked past due and a {$40.00} late fee has been charged. Additionally, TD is now telling me that I am over 30 days past due because my last payment was on XX/XX/XXXX. This claim is inaccurate and misleading. 

I paid my XX/XX/XXXX payment on XX/XX/XXXX, which is early. My XXXX payment was due XX/XX/XXXX, and as of XX/XX/XXXX, I am only 7 days past due not XXXX. Past-due status should be based on missed due dates, not on the date of the last payment. Unless I had missed my XXXX payment, which I did not, it is incorrect to claim I am 30+ days late. This could have serious implications if reported to credit bureaus. 

In summary : I paid my XXXX bill early I lost access to the app due to TDs system not sending verification codes I called multiple times to fix this and was told my account was not past due I was only able to log in on XX/XX/XXXX I was charged a {$40.00} late fee and falsely told Im 30+ days late

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: TX

Complaint narrative:
Acct. XXXX is reporting inaccurately. I did not recieve notification so I could dispute a late payment. I've disputed this before asking for a investigation and was quickly told it was verified. Please reinvestigate this issue because 1 credit bureau is reading differently from the other. Thus bringing my credit down to ruins. Verify this matter please and immediately remove from my credit report. This is the 3rd time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KS

Complaint narrative:
I am disputing the accuracy of an account being reported by Jefferson Capital Systems on my XXXX  credit report. The original account was from XXXX XXXX, which was closed in XXXX  due to account fraud. 

Jefferson Capital is currently reporting a Date Opened of XX/XX/XXXX, and updating the account status as of XX/XX/XXXX. This is a clear case of re-aging, as the original date of delinquency occurred no later than late XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), collection accounts must be removed 7 years after the date of first delinquency not the date the debt was purchased or updated. Jefferson Capital is violating FCRA by misreporting this accounts age. 

I request that this account be either : 1. Corrected to reflect the original delinquency and closure date ( XXXX ), OR 2. Removed from my credit report entirely due to inaccurate and unlawful re-aging. 

I have attached documentation showing the original reporting by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-29 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-29 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I made a fund transfer from my XXXX account to my XXXX account via Western Union last XX/XX/year>. It has already been 12 days, but the funds have not yet been credited to my bank account. 

According to Western Union, the transfer should take XXXX banking days, but the delay has now exceeded the timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing an unauthorized hard inquiry that appears on my credit report dated XX/XX/year>, from Capital One XXXX XXXX I did not authorize or apply for credit with this company on or near that date. I have contacted the bureaus directly but received no resolution. 

This inquiry is negatively impacting my credit and was made without my consent. I am requesting immediate removal from all credit reports under FCRA guidelines. 

I have attached a copy of the inquiry as it appears on my report. 

This has also been previously disputed with Experian but remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-29 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-06-29 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: GA

Complaint narrative:
I'm writing because the XXXX XXXX XXXX account on my credit report is being reported as a charge-off every single month for an extended period of time - especially on Equifax. 
That's not how charge-offs are supposed to work. 
A charge-off is a one-time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

This kind of reporting goes against Metro 2 credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

Because of this, I'm asking that this XXXX XXXX  account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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