vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/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 XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX  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!

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 2025-01-31 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-31 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: NY

Complaint narrative:
I sent collection removal requests to all XXXX bureaus ( Equifax, Experian and Trans Union ) to have the following collection accounts removed from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent Certified Postal debt validation letters on XX/XX/year> to all the above mentioned Collection agencies and i have not as of the date of this request received any response from either of the collection agencies. So by law they have XXXX days to respond to my request and as i have stated i have not received any correspondence from either collection agency. I then requested from all XXXX above mentioned Credit reporting Agencies that all above mentioned collections be removed from my credit report immediately. As of the date of this request the collection accounts are still on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I sent collection removal requests to all XXXX bureaus ( Equifax, Experian and Trans Union ) to have the following collection accounts removed from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent Certified Postal debt validation letters on XX/XX/year> to all the above mentioned Collection agencies and i have not as of the date of this request received any response from either of the collection agencies. So by law they have XXXX days to respond to my request and as i have stated i have not received any correspondence from either collection agency. I then requested from all XXXX above mentioned Credit reporting Agencies that all above mentioned collections be removed from my credit report immediately. As of the date of this request the collection accounts are still on my consumer 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 2025-01-31 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: IL

Complaint narrative:
I learned that my personal information, including my name, Social Security number, birth date, address, and potentially other sensitive data, was compromised in the Equifax data breach. This breach, which affected millions of consumers, exposed critical personal information and put my identity at risk of fraud and misuse. 

I did not authorize Equifax or any other XXXX party to disclose my personal information, and I believe this breach violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the responsibilities of consumer reporting agencies. Under this section, consumer reporting agencies are required to maintain reasonable procedures to ensure the privacy and accuracy of consumer data and to avoid harm from unauthorized access or misuse. 

As a result of this breach, I have experienced significant concerns regarding potential identity theft, fraudulent accounts, loans, and credit inquires. I have had to take steps to protect myself, including placing fraud alerts, freezing my credit, and monitoring my accounts. Despite these actions, I continue to face anxiety over the long-term consequences of this breach. 

I request that the CFPB investigate Equifaxs practices regarding the breach, particularly their compliance with 15 U.S.C. 1681, and seek appropriate remedies for those affected. I also seek assistance in addressing any negative effects this breach has had on my credit and financial security, including ensuring that any erroneous information resulting from this breach is corrected and that I am not held liable for fraudulent activities caused by this breach.

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this breach. The report details the potential for identity theft and provides evidence of the steps Ive taken to protect myself. I am attaching a copy of the FTC report reference number XXXX for your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
This collection agency reported this item to my credit without validating the debt legally and accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I had XXXX credit cards with XXXX  XXXX XXXX. I paid both in a settlement. In XXXX, I received a tax document to file these cards on my taxes. According to Federal guidelines credit cards can not be counted as credit and income. These XXXX cards are still on my credit report. XXXX  account will be removed in XX/XX/XXXX and the other in XX/XX/XXXX. I am unsure how when both were paid at the same time. I have written XXXX, Equifax, and XXXX and they refuse to correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had XXXX credit cards with XXXX  XXXX XXXX. I paid both in a settlement. In XXXX, I received a tax document to file these cards on my taxes. According to XXXX guidelines credit cards can not be counted as credit and income. These XXXX cards are still on my credit report. XXXX account will be removed in XX/XX/XXXX and the other in XX/XX/XXXX. I am unsure how when both were paid at the same time. I have written XXXX, XXXX, and Experian and they refuse to correct my account.

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 2025-01-31 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: TX

Complaint narrative:
Please refer to the attachments pertaining to the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the validity of the debts associated with the accounts listed below and to request comprehensive validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Account Details : Account Name : Credit Collection ServicAccount Number : XXXX Account Type : CollectionDate Opened : XXXX : Collection account ; {$340.00} past due as of XXXX XXXX : $ XXXX Updated : XXXX : XXXX  MonthOn Record Until : XX/XX/year> Account Name : Credit Collection ServicAccount Number : XXXX Type : CollectionDate Opened : XXXX : Collection account ; {$1100.00} past due as of XXXX XXXX : $ XXXX Updated : XXXX : XXXX  MonthOn Record Until : XX/XX/year> 2031

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: LEXISNEXIS
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX  XXXX  certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These accounts are 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 2025-01-31 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These accounts are 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VW Credit
State: FL

Complaint narrative:
This account was settled under the term that XXXX would not penalize my credit. I received in XXXX a tax form to file this account on my taxes. By law credit can not be counted as credit and income. My credit file says the account will delete off in XX/XX/XXXX. I am being penalized 3 times with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: MN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-31 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: MN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
This complaint is against my previous vehicle creditor, Ally Financial ( further Ally ). 

XXXX XX/XX/XXXX, I have refinanced my vehicle loan from Ally to the new creditor, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
- The payoff quote from Ally valid for the next 10 days, was provided to me on XX/XX/XXXX, for the amount of {$32000.00}. 
- The check for the above stated amount was sent by XXXX to Ally on XX/XX/XXXX, via XXXX overnight delivery - On XX/XX/XXXX, I received a letter from XXXX notifying that the vehicle title was not received, and I have 90 days to provide it, or otherwise my loan becomes unsecured loan- I checked and Ally account and was surprised to learn that I have the unpaid balance of {$1500.00} with Ally, and that payment was not due until the end date of the contract. I assumed that Ally made mistake in the initial payoff quote and proceeded with paying the remaining amount on XX/XX/XXXX. I should note that this has created financial hurdle and stress for me and my family, as this was additional amount to pay on top of my regular pays with the new creditor. 
- On XX/XX/XXXX, I received a letter from Ally confirming that my loan has been paid off, and if I am eligible for any refund, I will receive it within 60 days. Before that, on the phone, Ally has confirmed that the title was to be released on that date. 
- XXXX has contacted me by phone after that again asking when the title will be received. I shared the Ally 's phone number with them. They contacted Ally, and received confirmation that the title was released. I have e-mail from XXXX confirming this discussion. 
- On XX/XX/XXXX, I received a deposit from Ally for the amount of {$1500.00}, with the title " ALLY PAY Final Credit ''. I assumed that this was due to the initial perceived mistake with the payoff quote and consequential overcharging. 
- On XX/XX/XXXX, XXXX e-mailed me. They contacted Ally since the title was not received, and Ally informed them that my previous payment of remaining balance of {$1500.00} ( that was successfully processed earlier, and then returned to me as a " final credit '' ), was rejected and still due, but this time with the additional charge. 
- On XX/XX/XXXX, I called Ally ( the call was recorded at XXXXXXXX XXXX ) to seek clarification, and they told me that my payment was rejected, and now i also have late charge fee of {$77.00} dollars, which was again another surprise. I have clarified that I have paid off the loan and received confirmation, and that the remaining amount I paid was sent back to me as " final credit ''. I was out on hold several times, and then my call was just dropped.

Company response to consumer: Closed with explanation