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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account 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.

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 2025-03-19 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: PA

Complaint narrative:
I am frustrated as I am tired of going back and forth with these agencies. I am not going to spend another XXXX  on mailing a dispute to Experian. I demand that this agency complies with the FCRA. Attached is a new dispute letters together with 2 forms of ID. Comply with the FCRA or face legal action

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IA

Complaint narrative:
I am writing to formally dispute certain information on my credit report and request the original payment agreement associated with the account referenced above. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to request and receive documentation related to the credit reporting information in question. Specifically, I am requesting a copy of the original payment agreement, which is necessary to verify the accuracy of the reported account details.

15 U.S.C. 1681 ( b ) outlines the responsibilities of credit reporting agencies to maintain accurate and complete information. If there is any dispute over the accuracy of an entry, the credit bureau is obligated to conduct a reasonable investigation. The Fair Credit Reporting Act also mandates that any information found to be inaccurate must be corrected or deleted within 30 days. 

I ask that you please provide the original payment agreement or documentation substantiating the details reported in your records. Additionally, if the information on this account can not be verified, I request that it be removed from my credit report, as mandated by the law. 

I look forward to your prompt resolution of this matter within the time frame specified by law. Please notify me of the outcome of your investigation as required by 15 U.S.C. 1681i. 


Furthermore no documentation concerning notification of this debt was provided to me. 
I would like to be provided with documented attempts of notification.The collector only provided the information attached below in reference to the alleged debt. 

Thank you for resolving this matter.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Formal Dispute of Fraudulent Accounts Request for Immediate Deletion Dear Consumer Financial Protection Bureau, I am writing to formally dispute fraudulent information appearing on my EXPERIAN credit report under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that these fraudulent accounts be blocked and permanently removed from my credit file. 
I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ), which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request. 
The following accounts have been fraudulently reported and must be DELETED IMMEDIATELY : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have made multiple attempts to resolve this issue directly with EXPERIAN, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for these accounts, and have not received any response within the legally mandated timeframe. 
Due to the continued reporting of these fraudulent accounts, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of these accounts. 
I expect written confirmation of the removal of these fraudulent accounts from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights. 
Thank you for your prompt attention to this urgent 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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Albert Corporation
State: LA

Complaint narrative:
I contacted the company about unauthorized charges I seen on my transaction history. My card was locked during each transaction. They stated the charges will either fall off once there done pending if not Ill be able to dispute the charges. I then contacted again regarding the same issue how are transactions going threw an my card is locked during each. At this point the previous transaction are pending so I then file a dispute. This time they decided to cancel my debit card a send another one. So therefore I have to transfer my funds to access any momey. Once I tried to transfer its stating I reach my limit an it will start over on the XXXX th. While waiting on that to happen. I then received a text message stating my dispute was denied. I asked for the information they used to determine the outcome. When contacted them about the unauthorized transaction. I received another message shorty after me questioning them that my account was suspended due to suspicious activity. Which isnt true because I wasnt able to use my account due to my card being canceled an I was unable to transfer funds. So my account was being used because I was either waiting on my card or my transfer limit to become available again. At that point I asked to be mailed a check because I needed it access to my funds. The rep stated they were investigating an Ill be notified shortly. The account is closed so what was it to be investigated. So therefore I daily finally comes available that I was told XXXX be able to transfer my funds out. Which would have been XXXX XXXX. I tried making a transfer it wasnt successful it stated I reach my transfer limit. I then contacted someone an they stated the day it will come available is XXXX XXXX. As of XXXX XXXX Im still unable to transfer my funds out. An threw the process you cant talk to anyone over phone. They only communicate threw text messages which I think is unprofessional when it comes to someone have issues with there funds

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$680000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account appearing on my credit report. This violation infringes upon my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related regulations. I request immediate investigation and corrective action against the entity responsible.

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : Establishes my right to privacy, affirming that consumer reporting agencies must respect the confidentiality of my personal credit information. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The presence of erroneous or unauthorized accounts on my credit report suggests non-compliance with this legal requirement. 

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse information in a consumer report older than seven years, except for criminal convictions. Reporting outdated negative information is a clear violation of this provision. 

15 U.S.C. 1692g ( b ) ( Fair Debt Collection Practices Act - FDCPA ) : Requires debt collectors to provide proper validation of a debt upon request, including a signed contract proving my obligation to pay. If such validation can not be provided, the debt must be removed.

Details of the Inaccurate Collection Account : Collection Agency : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX This account has been reported inaccurately, and I formally dispute its validity. Under 15 U.S.C. 1692g ( b ), I request full validation of this debt, including a signed agreement, proof of assignment, and a complete payment history. If proper validation can not be provided, this collection account must be removed from my credit report immediately. 

Request for Action : Given the above, I request the following : Verification of the XXXX XXXX XXXX  collection account, including proof of debt validity and a signed contract. If verification can not be provided, the account must be deleted immediately. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 

Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to your 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account appearing on my credit report. This violation infringes upon my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related regulations. I request immediate investigation and corrective action against the entity responsible.

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : Establishes my right to privacy, affirming that consumer reporting agencies must respect the confidentiality of my personal credit information. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The presence of erroneous or unauthorized accounts on my credit report suggests non-compliance with this legal requirement. 

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse information in a consumer report older than seven years, except for criminal convictions. Reporting outdated negative information is a clear violation of this provision. 

15 U.S.C. 1692g ( b ) ( Fair Debt Collection Practices Act - FDCPA ) : Requires debt collectors to provide proper validation of a debt upon request, including a signed contract proving my obligation to pay. If such validation can not be provided, the debt must be removed.

Details of the Inaccurate Collection Account : Collection Agency : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX This account has been reported inaccurately, and I formally dispute its validity. Under 15 U.S.C. 1692g ( b ), I request full validation of this debt, including a signed agreement, proof of assignment, and a complete payment history. If proper validation can not be provided, this collection account must be removed from my credit report immediately. 

Request for Action : Given the above, I request the following : Verification of the XXXX XXXX XXXX  collection account, including proof of debt validity and a signed contract. If verification can not be provided, the account must be deleted immediately. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 

Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

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

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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, CHALLENGED OR NOT.

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: Experian Information Solutions Inc.
State: AL

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, CHALLENGED OR NOT.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials.

My automatic payment settings were altered without my knowledge.

This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$680000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$680000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2025-03-19 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation