vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: DC

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 2025-03-19 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: MO

Complaint narrative:
Subject : Request for Removal of Inaccurate Account Reporting XXXX XXXX Dear Credit Bureau I am writing to formally request the removal of an inaccurately reported late payment on my credit report regarding my XXXX XXXX account. The reported late payment is incorrect, as there was no late payment due on the account. Furthermore, XXXX XXXX failed to comply with the procedures outlined in 15 U.S.C. 1666b regarding the proper reporting and notification of late payments.

According to 15 U.S.C. 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless they have mailed or delivered a billing statement at least 21 days before the payment due date : 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 periodic statements are mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX failed to follow this requirement, making their reporting of a late payment inaccurate and unlawful. Due to this violation of federal law, I am requesting the immediate removal of the XXXX XXXX account from my credit report. 

Additionally, these late payments have been reported inaccurately on my credit report, and the law clearly states that all information on a consumers credit report must be reported accurately. As this inaccurate information is in direct violation of the Fair Credit Reporting Act ( FCRA ), I request that all late payments be removed from this account and that the account itself be deleted from my credit report. 

If XXXX XXXX claims that they have followed the proper procedures under this law, they must provide documented proof of compliance, including verifiable evidence such as a tracking number or other confirmation that the required notice was delivered. If they are unable to provide such documentation, then this inaccurate reporting must be deleted from my account immediately. 

Please investigate this matter and correct this inaccuracy as required by federal law. I expect a written confirmation of the removal of this account and all associated late payments from my credit report within the legally required timeframe. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Attached, you will find supporting documentation regarding this dispute. Please update my records accordingly and provide written confirmation upon resolution. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Subject : Request for Removal of Inaccurate Account Reporting XXXX XXXX Dear Credit Bureau I am writing to formally request the removal of an inaccurately reported late payment on my credit report regarding my XXXX XXXX account. The reported late payment is incorrect, as there was no late payment due on the account. Furthermore, XXXX XXXX failed to comply with the procedures outlined in 15 U.S.C. 1666b regarding the proper reporting and notification of late payments.

According to 15 U.S.C. 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless they have mailed or delivered a billing statement at least 21 days before the payment due date : 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 periodic statements are mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX failed to follow this requirement, making their reporting of a late payment inaccurate and unlawful. Due to this violation of federal law, I am requesting the immediate removal of the XXXX XXXX account from my credit report. 

Additionally, these late payments have been reported inaccurately on my credit report, and the law clearly states that all information on a consumers credit report must be reported accurately. As this inaccurate information is in direct violation of the Fair Credit Reporting Act ( FCRA ), I request that all late payments be removed from this account and that the account itself be deleted from my credit report. 

If XXXX XXXX claims that they have followed the proper procedures under this law, they must provide documented proof of compliance, including verifiable evidence such as a tracking number or other confirmation that the required notice was delivered. If they are unable to provide such documentation, then this inaccurate reporting must be deleted from my account immediately. 

Please investigate this matter and correct this inaccuracy as required by federal law. I expect a written confirmation of the removal of this account and all associated late payments from my credit report within the legally required timeframe. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Attached, you will find supporting documentation regarding this dispute. Please update my records accordingly and provide written confirmation upon resolution. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$1600.00} 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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to withdrawal XXXX dollars from a chase atm branch and the money never came out, i got credited the XXXX and it was taken away again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently discovered unauthorized hard inquiries on my credit report that I did not initiate or authorize. After reviewing my credit report, I identified the following unauthorized inquiries : XXXX  XXXX ( multiple ), XXXX, XXXX XXXX, XXXX XXXX, XXXX, and more I have not applied for credit with these companies, and I suspect that my personal information was used fraudulently. To address this, I have : 1. Filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I have attached a copy of this report as supporting documentation. 
2. Contacted the credit bureaus to dispute these unauthorized inquiries and request their removal.

3. Placed a fraud alert on my credit file to help prevent further fraudulent activity.

Please review my complaint and provide a resolution promptly. Let me know if any additional information is required.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-19 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccuracies that require urgent correction. As per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are legally obligated to verify these accounts. Reporting unverified information without proper evidence is a violation of federal law. I insist on an immediate investigation and correction of these discrepancies regarding the following accounts listed in my credit file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Days : XX/XX/XXXX and XX/XX/XXXX Payment Status : Current XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX requested verification of this unkown debt there has been no response an no proof of a signed contract or type of loan or credit card. Any business I have ever had with XXXX XXXX I have paid in full in the past. This debt is from XXXX which is more than 15 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I receive several calls from this company from several different numbers late in the evening. On XX/XX/XXXX, I received a call from XXXX ( XXXX ) XXXX at XXXX XXXX. I performed an internet search and the number came back to Midland Credit Management. 

I also received a call from the same company using this number XXXX ( XXXX ) XXXX at XXXX XXXX, XX/XX/XXXX And this number XXXX ( XXXX ) XXXX at XXXX XXXX on XX/XX/XXXX This number XXXX ( XXXX ) XXXX at XXXXXXXX XXXX on XX/XX/XXXX This number XXXX ( XXXX ) XXXX at XXXXXXXX XXXX on XX/XX/XXXX This number XXXX ( XXXX ) XXXX at XXXX XXXX  on XX/XX/XXXX This number XXXX ( XXXX ) XXXX made consecutive calls at XXXX XXXX and XXXXXXXX XXXX on XX/XX/XXXX This number XXXX ( XXXX ) XXXX at XXXXXXXX XXXX on XX/XX/XXXX This number XXXX ( XXXX ) XXXX aXXXX XXXX XXXX on XX/XX/XXXX All of those numbers, when put into a XXXX search, come back to Midland Credit Management. They have not sent any mail about proof of debt or made any other contact other than these phone calls. Ive checked my credit report and theres nothing about that company on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MS

Complaint narrative:
pursuant to 18 usc 8, I owe no debt these companies is violating my consumer rights to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MS

Complaint narrative:
pursuant to 18 usc 8, I owe no debt these companies is violating my consumer rights to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4

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 2025-03-19 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian Subject : Formal Dispute Letter Regarding Civil Liability for Negligence and Noncompliance Dear CFPB, I am writing to formally dispute Experian, XXXX, and XXXX under [ applicable law, e.g., Title 16, Section 16810 ], which governs civil liability for negligence and noncompliance. 

The facts of the matter are as follows : 1. Incident Details : I have negative accounts and some hard inquiries on my account that are not supposed to be on there. I have pulls from dealerships that are not supposed to be on there. 
2. Negligence and Noncompliance : I have already disputed these issues, and they are still on my credit report 3. Harm Suffered : As a direct result of this negligence and noncompliance, I have experienced my credit tremendously dropping, preventing me from being able to get an auto loan. 

Your failure to dispute these hard inquiries constitutes a violation that has caused me measurable harm. 

Requested Resolution : To resolve this matter, I request the following actions : Remove hard inquiries and some closed accounts as I am now paying on them and back on track. 
A response to this dispute

within 1-5 business days is reasonable. If this issue is not resolved promptly, I may be for
ced to pursue further legal action, including filing a formal complaint or seeking legal remedies through the court system. 

I hope to resolve this matter amicably and look forward to your prompt response. Please direct all correspondence to me at XXXX and XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I tried ordering something from XXXX XXXX site after receiving coupons in the mail. Upon check out I got an error message saying that my payment didnt go through. I immediately logged into my Comenity account as I always pay my balance in full monthly. As usual the balance was {$0.00}, however this time so was the available credit. I sent a secure chat to customer service and was told my account is paid and full and closed. I did not request or authorize this action, as this card is my oldest standing credit card, that I used it last just two months prior. I stated to Comenity that I would like to understand the reason for the closure. After multiple messages and a few weeks, I was told that I had to contact the credit bureaus to find out the reason for closure. I even asked if the account could be reinstated. After contacting the credit bureaus, I was told they are only a reporting company and only report the information that the companies give them. They could not give me a reason why my account was closed and I had to reach out to the company ( Comenity ) again which I had done without success. I no longer can log into my old Comenity account but still receive coupons. If I can not reopen my previous account, I have no interest in shopping with this company. Account has been open since XXXX and never late.

Company response to consumer: Closed with explanation