vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed up by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers NONPUBLIC PERSONAL INFORMATION. " ( Furnisher of information to Credit Agencies ) is a financial institution by definition under that title.15 USC 1681 section 604A states '' In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless -- -the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is am adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting angency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. " XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
When I checked my credit report this morning, I was surprised to find incorrect accounts listed, and I have no idea how they got there. I review my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the errors remained. Given this, I am requesting that the documents I have submitted be reviewed thoroughly so that I wont have to worry about this again.

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 2025-04-04 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:
My account with 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year>, I went through the ATM at Regions Bank, located at XXXX XXXX XXXX XXXX, XXXX, AL XXXX at approximately XXXX, to make a cash deposit of {$65.00}. The ATM couldn't read my cash so I needed to remove it from the ATM. Because of how the slot sits i couldn't retrieve the cash so I tried to adjust my car so that I could reach it. As I tried to retrieve the cash it tried to close so I tried to reach my hand really quickly to retrieve my cash. I was only able to grab some of the bills and by the time I reached back to grab the the last {$10.00} bill, it closed and said that because it hadn't been removed in time it would no longer be returned ( paraphrasing ). I immediately went on the inside and told them what happened and to also deposit the remaining funds. The banker who was supposed to handle it was working with another teller and I was told it would be a minute before she could help me. I informed her I had to get back to work, and was told to give my name and phone number and I would be contacted. I was never contacted. I've called back twice since then ( XX/XX/XXXX and XX/XX/XXXX ) and I keep getting told that the ATM hasn't been counted yet and someone will call me as soon as it is. It's been 5weeks.

I know it's just {$10.00} but I am already a struggling business owner so every dollar counts. I just want this 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 monetary relief
Consumer complaint received 2025-04-04 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:
Complaint Against : Equifax Information Services, LLC Acct : XXXX, XXXX Summary of Issue : I disputed an account on my credit report with Equifax, believing it to be inaccurate. Equifax conducted an investigation and later determined that the account belongs to me. Following this decision, I requested the method of investigation used to verify the accounts accuracy, as permitted under the Fair Credit Reporting Act ( FCRA ). However, Equifax has failed to provide me with this information.

Violations of Federal Law : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of disputed information. If Equifaxs investigation was inadequate or merely relied on the data furnishers response without proper verification, it failed to meet this standard.

Failure to Provide the Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) The FCRA requires Equifax to provide a description of the procedure used to determine the accuracy of the disputed information upon request. My request for this information has been ignored, which constitutes a violation.

Failure to Provide Meaningful Information About the Investigation ( 15 U.S.C. 1681i ( a ) ( 7 ) ) Equifax must provide consumers with information regarding how the investigation was conducted, including the sources used for verification. Its refusal to provide such details violates my rights under the FCRA.

Possible Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If Equifax continued reporting inaccurate information after a faulty investigation, it may also be in violation of its duty to correct or delete inaccurate, incomplete, or unverifiable information.

Requested Resolution : Provide a detailed explanation of the investigation method used to verify the disputed account.

Reinvestigate the disputed account and ensure compliance with FCRA standards.

If Equifax can not verify the accuracy of the account with proper documentation, remove it from my credit report immediately.

Ensure Equifax follows federal laws and does not engage in similar violations in the future.

I request the CFPB to take appropriate action to enforce my rights under the Fair Credit Reporting Act and ensure Equifax is held accountable for its failure to comply with consumer protection laws. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Social security administration send out my payment though a check I was told I was supposed to receive it by Thursday or Friday and still haven't received it I suppose to have XXXX XXXX card not American express national bank the check was send the the bank the check was sent out XX/XX/year> and haven't received it yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I started to get phone calls from a debt collector called Midland Credit Management on XX/XX/XXXX about a {$440.00} Debt in my name from around XXXX of XXXX from a credit card company called XXXX  But I told them that I had my information stolen and whoever had stolen it. Used that information to open an account and then used said account and card, made payments on said card then stopped said payments and now I have been getting repeated calls about it from them to pay said amount. I'm on a fixed income. Also none of the information that they have besides my first and last name and birthdate is correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint against Capital One for violating federal law under 15 U.S. Code 1666b Timing of Payments.

According to Section 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment on a credit card account as late for any purpose, including reporting it to credit bureaus, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date.

Capital One reported a late payment on my credit report for a billing cycle that occurred over a year ago. XXXX XXXX and previous to that. I am disputing this late payment on the grounds that I did not receive the required billing statement at least 21 days prior to the due date, which would make any late designation in violation of federal law.

I am requesting that this late payment be removed from my credit report as it was not compliant with the timeline and delivery requirements specified under 15 U.S. Code 1666b ( a ). If Capital One can not provide proof that the statement for that billing cycle was sent at least 21 days before the due date, the reporting of that late payment constitutes a statutory violation.

I respectfully request that the CFPB investigate this matter and assist in ensuring Capital Ones compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I recently had this removed from my credit from some company called XXXX XXXX, and here it is back on my credit under a new company name. They put it back on there and I lost XXXX points off my score .... I'm about ready to get my lawyer involved and maybe he and his team take some legal action against these bad practices!. Would you please help with this because this should not of happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I recently disputed an account on my credit report because I believe it is inaccurate and incomplete. Unfortunately, its clear that a proper investigation wasnt conducted, and the incorrect information is still being reported. This has caused me a great deal of stress, and Im feeling overwhelmed and frustrated.

Please, I truly need your helpI dont know what else to do, and this situation is having a serious impact on my life. Also, I want to make it absolutely clear that I am personally submitting this dispute, not a third party.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently disputed an account on my credit report because I believe it is inaccurate and incomplete. Unfortunately, its clear that a proper investigation wasnt conducted, and the incorrect information is still being reported. This has caused me a great deal of stress, and Im feeling overwhelmed and frustrated.

Please, I truly need your helpI dont know what else to do, and this situation is having a serious impact on my life. Also, I want to make it absolutely clear that I am personally submitting this dispute, not a third party.

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 2025-04-04 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: PA

Complaint narrative:
Upon reviewing my credit report this morning, I found incorrect accounts listed, and I dont understand why. I check my report regularly, but this time, I noticed unexpected errors. I even tried refreshing my browser, hoping it was a temporary glitch, but the inaccuracies remained. Because of this, I am requesting a careful review of the documents I have provided to ensure I no longer have to deal with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
I am wrote to XXXX to urgently request that they remove the negative delinquencies from my credit report, which resulted from XXXXXXXX XXXX 's failure to follow through on my fraud report. These delinquencies have severely impacted my credit score and are hindering my financial progress. 
On XX/XX/year>, I initially reported the fraudulent activity on my account. I was assured over the phone that the issue would be resolved, and I would receive a new card. However, the new card was never sent, and I received no further communication requesting additional information. 
In XXXX, I received a call from XXXXXXXX XXXX requesting payment, which is when I discovered that the fraudulent transactions had not been addressed. I was transferred between multiple representatives, and it was not until I spoke with a security agent that I was asked to submit a police report, which I emailed to the provided email address. 
Although the account was eventually corrected, the interests and late payments resulting from the delayed resolution were not credited. This oversight has caused significant stress and has hurt my credit score since XX/XX/year>. 
I have since spoken with a Supervisor named XXXX, who worked on my account and brought it back to a XXXX balance. She apologized and assured me that the issue would be resolved once and for all. However, I have yet to see the negative delinquencies removed from my credit report.The account reports as charge off, and 150 days late payment. This has resulted in my great credit score of over XXXX to the XXXX now. I have a business plan I want to pursue but I cant move on because of this bad report on my credit. 
I am requesting that XXXX takes immediate action to delete these late payments and charge off from my credit report. They were a direct result of the fraudulent transactions, which I reported and submitted a police report for. The presence of these delinquencies on my credit report is impacting my life severely. 
I would appreciate it if XXXX expedites this request and provide a confirmation once the negative delinquencies have been removed from my credit report. 
Please find below my account information for your reference : - Account Name : XXXX XXXX - Account Number : XXXX ( note, I found out about this account number from the supervisor XXXX, the very old account ended in XXXX, I dont remember the full number ) If you need my SSN, call me on XXXX for that. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents I have submitted so I no longer have to worry about this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief