vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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 EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION 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!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX 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 2025-04-09 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:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IN

Complaint narrative:
On XX/XX/XXXX i filed a fraud dispute with trans union and experian off XXXX XXXX. Dispute number XXXX. On XX/XX/XXXX, XXXX days later i sent first formal untimely demand letter. Trans union a week later says it will be around XXXX  days it's already been past XXXX  days. I sent a XXXX demand letter of untimely fcra under XXXX. XXXX XXXX. Untimely when I send this demand letters they are mailed certified and it is a packet of all info copies of the whole process from start to finish. I am 100 % transparent. The XXXX demand letter i demanded removal in XXXX  days since its currently XX/XX/XXXX currently. XXXX  months since the inital dispute. I send a thick many page packet detailed with my validation proof of address id passport AI generates a great legal letter. There is no room for misunderstanding or error. Transunion and XXXX is 100 % in the wrong. Come friday XX/XX/XXXX I will file a civil lawsuit against transunion, experian WILL follow. XXXX XXXX sent a letter claiming the fraud was validated and sent all three credit bureau to remove off my credit as well again crickets from all XXXX bureau. Very poor in accurate reporting I do hope you do a good job and get all three disputes investigated and off my credit. There are late charges AND XXXX XXXX  XXXX ACCOUNTS AND A XXXX XXXX XXXXXXXX NEED REMOVED. All needs off my good name under fraud and removed I have suffered higher interest rates from this and I have every intension of legal actions. If I buy a item on credit or have my credit ran it will appear immediately. Funny how it is XXXX way in that aspect. Quick to stick items on however removal you are insufficient.

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 2025-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am disputing an inaccurate charge-off being reported by Chrysler Capital XXXX XXXX closed auto lease account ( Account # : XXXX ). I returned the leased vehicle on time, in excellent condition, and fully satisfied all payment obligations at the dealership. At the time of return, I signed the required surrender and payoff documents and was told I was completely all set. 

Several weeks later, I received a letter claiming that the dealership had lost the car key and that I would be charged for a replacement, which I never authorized, nor was it part of the lease-end agreement. The responsibility for losing the key rests with the dealershipnot me. I returned the vehicle in proper condition with all necessary items and had already paid off the balance due per my contract. 

Chrysler Capital is now reporting a {$410.00} balance as a charge-off across all three credit bureaus, despite : No contractual agreement for this charge No prior notice or consent to incur the fee No updated bill or legal validation of this alleged debt This violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX reporting compliance, specifically : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate or unverifiable information FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation after disputes FCRA 607 ( b ) Credit bureaus must maintain procedures to ensure maximum possible accuracy This also breaches basic consumer lease protections under the Federal Trade Commissions Used Car Rule and Uniform Commercial Code ( UCC Article 2A ) regarding lease agreements and post-return obligations. 

Here are some case laws : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A credit bureau can not rely solely on the furnisher 's word it must conduct an independent and reasonable investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to correct information after a consumer dispute constitutes a willful violation of the FCRA. 

XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : A CRA XXXX furnisher that ignores obvious inaccuracies after a dispute XXXX be held legally liable. 

Additionally, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that data furnishers must verify the accuracy of their reporting during disputes, not just confirm the existence of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MS

Complaint narrative:
CFPB Complaint Against Experian Mishandling of XXXX  XXXX Investigation **Complainant Information : ** Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX **Complaint Type : ** Credit Reporting - Inadequate investigation by credit reporting company **Issue : ** Experian failed to properly investigate a dispute regarding XXXX  XXXX accounts Complaint Summary I am submitting this complaint regarding Experians failure to adequately investigate and resolve a dispute involving two XXXX  XXXX accounts listed on my credit report. Despite filing multiple disputes with Experian and requesting verification and validation of the reported information, no documentation was provided, and the accounts were simply marked as 'verified ' without explanation or supporting evidence. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking CFPB intervention to ensure my rights are upheld. 
Accounts in Dispute XXXX. XXXX  XXXX Account # XXXX - Discrepancies in account status : reported both as 'Closed at credit grantors request ' and 'Charged off ' - Credit usage at 100 %, with a balance that exceeds the credit limit - Experian provided no documentation to substantiate the accuracy of this account XXXX. XXXX XXXX Account # XXXX - Reported with five late payments and a misleading 'Closed ' status - Past due amount is inconsistent with the highest balance - Experian marked the account as 'verified ' without providing the method of verification or any supporting records Violation of the Fair Credit Reporting Act Experian is in violation of the following provisions of the FCRA : 1. **15 U.S.C. 1681i ( a ) : ** Failure to conduct a reasonable reinvestigation and provide the results of such reinvestigation.

2. **15 U.S.C. 1681e ( b ) : ** Failure to ensure maximum possible accuracy of the information included in my file.

3. **15 U.S.C. 1681i ( a ) ( 7 ) : ** Failure to provide the method of verification used to determine the disputed information was accurate. 
Conclusion Experian has demonstrated a pattern of noncompliance by failing to properly investigate and resolve disputes as required by federal law. Their continued reporting of unverified and inaccurate information has caused unnecessary harm. I respectfully request CFPBs assistance in holding Experian accountable for its reporting practices and in protecting my consumer rights.

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
URGENT : Capital One, N.A. obtained judgment against me using FALSIFIED legal documents and deceptive practices ( Case # XXXX, XXXX XXXX XXXX MO ) Capital One 's actions constitute serious violations of federal consumer protection laws : XXXX. BACKDATED AFFIDAVIT : Capital One 's ENTIRE case relied on an affidavit by XXXX XXXX dated XX/XX/year> - yet their lawsuit wasn't filed until XX/XX/year> ( XXXX months later ). This affidavit improperly identifies me as " defendant '' BEFORE any lawsuit existed, demonstrating document manipulation. 

XXXX. REFUSED TO PROVE OWNERSHIP : When I specifically requested chain of title documentation through formal discovery ( Request # XXXX ), Capital One OBJECTED and REFUSED to provide any evidence they actually owned this debt. Their refusal strongly suggests they lack standing to collect. 

XXXX. FRAUDULENT APPLICATION : The business credit application contains demonstrably FALSE information : Incorrect Federal Tax ID ( XXXX ) My current age instead of age when account was allegedly opened Address information that doesn't match official records XXXX. WITNESS SUBSTITUTION TO AVOID SCRUTINY : XXXX DAY before trial, Capital One substituted a different witness in place of XXXX XXXX, whose affidavit formed the foundation of their entire case. This last-minute tactic prevented examination of the actual affiant. 

XXXX. EXPLOITATION OF JUDICIAL TRANSITION : This case moved between XXXX judges ( Bird-Riley and XXXX ) XXXX and fundamental standing issues raised with the first judge were never properly addressed before judgment was entered. 

I've filed a Motion to XXXX, XXXX for Sanctions, and Notice of Appeal. I've also filed complaints with the FTC, XXXX, and Missouri Attorney General. I'm prepared to pursue this to the fullest extent as Capital One appears to be engaging in systematic documentation abuses that likely affect numerous consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX  Balance Owed : {$800.00} XXXX XXXXXXXX Balance XXXX : {$6400.00} XXXX XXXX Balance Owed XXXX {$11000.00}

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 2025-04-09 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: AR

Complaint narrative:
Several repossessions are being reported on my credit report under the laws of the state of XXXX  specifically UCC 681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: AL

Complaint narrative:
I'm filing a complaint with the CFPB against the creditor for violating the FCRA by continuing to report a fraudulent account on my credit report after I notified them of the identity theft, despite my efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX. 
XXXX. 
XXXX. 
XXXX. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Florida, XXXX XXXX XXXX XX/XX/XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Request for Debt Validation Dear MIDLAND CREDIT MANAGEMENT XXXX, I am writing in response to your call dated XX/XX/XXXX, regarding the alleged debt referenced as XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. 
Please provide the following information : 1. Verification that you have the legal right to collect this debt.

2. The name and address of the original creditor.

3. A detailed breakdown of the amount owed, including any fees or interest.

4. Copies of any signed agreements or contracts proving my obligation to this debt.

5. Proof that the debt is within the statute of limitations.

Until proper validation is provided, I request that all collection activities be ceased, including reporting to credit bureaus. Please send your response in writing to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IN

Complaint narrative:
I have been given proof from the credit bureaus that this company accessed my personal credit information without my permission, and then provided that information to unaffiliated third parties. According to the law, this is aggravated Identity theft. 

On XX/XX/year>, I sent this company a letter advising this company that it is in direct violation of federal law, and demanded the bankruptcy be removed from my credit reports. Tracking information shows they received the letter on XX/XX/year>. 

To date, the company has not responded to my letter, nor corrected their error in illegally accessing my information and reporting it to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-09 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I'm filing a complaint with the CFPB against the creditor for violating the FCRA by continuing to report a fraudulent account on my credit report after I notified them of the identity theft, despite my efforts to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
I'm filing a complaint with the CFPB against the creditor for violating the FCRA by continuing to report a fraudulent account on my credit report after I notified them of the identity theft, despite my efforts to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief