vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXXXXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report on XX/XX/XXXX i seen that XXXX Service reported a negative items ( LATE PAYMENT ) on my credit report. I wrote XXXX XXXX 3 certified letters and got NO RESPONDS! on My XXXX letter was XXXX  certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( my 3rd letter was on XX/XX/XXXX ) ( certified mail # XXXX XXXX XXXX XXXX XXXX XXXX On the Equifax report its reporting 100 % on time but showing late payment that is inaccurate! 15USC 1666b TIMING OF PAYMENT! A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.. 15 USC 1637B I never got a letter in the mail b4 or after the payment due date. SECTION 623 ( A ) ( 7 ) ANY FINANCIAL INSTITUTION THAT FURNISHES NEGATIVE INFORMATION TO A CONSUMER REPORTING AGENCY MUST PROVIDE NOTICE TO THE CONSUMER BEFORE OR WITHIN 30 DAYS OF FURNISHING SUCH NEGATIVE INFORMATION IN WRITING TO THE CONSUMER ITS A FCRA REQUIREMENT, SO WHY IS IT A LATE PAYMENT ON MY XXXX, EQUIFAX XXXX XXXX, ,MY RIGHTS TO PRIVACY HAS BEEN VIOLATED 15 USC 1681 ( A ) ( 4 ) BY XXXX AND BY EQUIFAX, XXXX XXXX XXXX XXXX! XXXX! REMOVE THIS LATE PAMENT!!! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I checked my credit report on XX/XX/XXXX i seen that XXXX Service reported a negative items ( LATE PAYMENT ) on my credit report. I wrote XXXX XXXX XXXX certified letters and got NO RESPONDS! on My XXXX letter was XX/XX/XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter was on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( my 3rd letter was on XX/XX/XXXX ) ( certified mail # XXXX XXXX XXXX XXXX XXXX XXXX On the XXXX report its reporting 100 % on time but showing late payment that is inaccurate! 15USC 1666b TIMING OF PAYMENT! A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.. 15 USC 1637B I never got a letter in the mail b4 or after the payment due date. SECTION 623 ( A ) ( 7 ) ANY FINANCIAL INSTITUTION THAT FURNISHES NEGATIVE INFORMATION TO A CONSUMER REPORTING AGENCY MUST PROVIDE NOTICE TO THE CONSUMER BEFORE OR WITHIN 30 DAYS OF FURNISHING SUCH NEGATIVE INFORMATION IN WRITING TO THE CONSUMER ITS A FCRA REQUIREMENT, SO WHY IS IT A LATE PAYMENT ON MY EXPERIAN, XXXX XXXX XXXX, ,MY RIGHTS TO PRIVACY HAS BEEN VIOLATED 15 USC 1681 ( A ) ( 4 ) BY XXXX AND BY XXXX, EXPERIAN XXXX XXXX XXXX! XXXX! REMOVE THIS LATE PAMENT!!! 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 2025-03-04 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: GA

Complaint narrative:
I checked my credit report on XX/XX/XXXX i seen that XXXX XXXX reported a negative items ( LATE PAYMENT ) on my credit report. I wrote XXXX XXXX 3 certified letters and got NO RESPONDS! on My 1st letter was XX/XX/XXXX certified mail 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the XXXX  report its reporting 100 % on time but showing late payment that is inaccurate! 15USC 1666b TIMING OF PAYMENT! A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.. 15 USC 1637B I never got a letter in the mail b4 or after the payment due date. SECTION 623 ( A ) ( 7 ) ANY FINANCIAL INSTITUTION THAT FURNISHES NEGATIVE INFORMATION TO A CONSUMER REPORTING AGENCY MUST PROVIDE NOTICE TO THE CONSUMER BEFORE OR WITHIN 30 DAYS OF FURNISHING SUCH NEGATIVE INFORMATION IN WRITING TO THE CONSUMER ITS A FCRA REQUIREMENT, SO WHY IS IT A LATE PAYMENT ON MY XXXX, XXXX XXXX TRANSUNION, ,MY RIGHTS TO PRIVACY HAS BEEN VIOLATED 15 USC 1681 ( A ) ( 4 ) BY XXXX  AND BY XXXX, XXXX XXXX TRANSUNION XXXX! XXXX! REMOVE THIS LATE PAMENT!!! XXXXXXXX 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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My debit card had hundreds of unauthorized transactions for about a week staring at the end of XX/XX/year>. I raised several claims. Some of the claims were accepted. Most were rejected stating it was normal activity, which it was not. 
I tried to escalate the claims and was given the run around my several siffeeent agents. I have gone into locations and told to come back when the manager is available. I have called my closest location and spoke with assistant manager. She never returned my calls. The manager never returned my calls. I have over XXXX XXXX in fraudulent transactions. Even my local police department has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am filing a complaint against American Express regarding the unjust cancellation of XXXX of my credit card accounts, despite prior assurances from their representatives that my accounts would remain open while I discussed setting up a payment plan. 

Due to a death in my family, I incurred significant unexpected expenses and was out of town from midXXXX until XX/XX/XXXX. As a result, my accounts fell into negative status. When I contacted American Express to address this issue, I spoke with a representative who assured me that my accounts would not be closed while I worked with a XXXX to establish a payment plan and bring my accounts back into good standing. 

However, despite this assurance, American Express proceeded to cancel both of my accounts. I contacted them multiple times by phone, and each time, I was given conflicting information by different representatives. Some agents claimed the accounts could still be reinstated, while others insisted the decision was final. This inconsistency has caused me undue stress and financial hardship. 

American Expresss handling of this situation constitutes misleading and unfair business practices. I am seeking the following resolution : 1. Reinstatement of my canceled accounts so I may proceed with a payment plan as originally discussed.

2. Clarification and accountability from American Express regarding the conflicting information provided by their customer service representatives. 
3. Assurance that other consumers do not experience similar misleading and unfair practices when trying to resolve outstanding balances in good faith. 

I request that the CFPB investigate this matter and hold American Express accountable for their deceptive and inconsistent practices. Please advise on the next steps for resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I received a voicemail from someone named XXXX from ( XXXX ) XXXX. He said they had a complaint for me to follow up on and in order to stop any action from being taken like contacting me at my employment, I would have to call the agent at XXXX. I called that number and spoke with XXXX. XXXX said he was from a law office hired to collect a debt from HSBC from 10 years ago. I told him I have no knowledge of such debt and asked him to email or mail me proof of the debt, ownership, or any documents that I can review. He told me that he didn't have this nor did he have to provide any further notice because he claimed I already received notice. I told him I did not have any notice or communication and asked several times for a phone number to contact HSBC or anyone who could provide me with information. He told me I would have to do some homework on my own to get that information. He acknowledged that since the alleged debt was over 10 years ago, the statute of limitations had run out. However, he said his office could still pursue legal action. He refused to provide me with any proof of alleged debt or ownership of this matter or how his law office was connected to HSBC. He only said that they did not purchase the debt. After we hung up the phone, I tried to look up the XXXX phone number to get more information, but have been unsuccessful. I would appreciate resolution of this matter and am concerned about being harassed or threatened by legal actions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: IN

Complaint narrative:
XXXX XXXX has been closed out and paid and they are submitting 90 day missing payments months after being closed Credit fresh made arrangements too close and paid they are submitting missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
am filing this formal complaint against TransUnion for its failure to maintain accurate credit reporting and for falsely disputing my credit file, which has resulted in the wrongful closure of two of my XXXX XXXX credit card accounts and ongoing issues with reinstating my XXXX XXXX XXXX credit cards. 

Details of the Issue On XX/XX/year>, I became aware that TransUnion, along with the other credit bureaus, initiated disputes on my credit file without my consent. kEEP IN MIND i WAS DISPUSTING THEIR WRONG DATE OF PAYEMNTS, COMPLETELY BLANK SECTIONS This unauthorized action led to the wrongful closure of two XXXX XXXX accounts. 
Despite numerous complaints filed with the CFPB, FTC, and Texas Attorney Generals Consumer Protection Division, my credit report remains inaccurate, and my accounts have not been reinstated. 
On XX/XX/year>, TransUnion sent an XXXX transmission to XXXX XXXX falsely stating that I had reported my XXXX XXXX  credit cards as fraudulent per XXXX XXXX XXXX  which is incorrect and a violation of the Fair Credit Reporting Act ( FCRA ). I have never claimed my accounts were fraudulentonly that the reported information is inaccurate. 
I have provided all requested documentation multiple times, including my drivers license and utility bills, yet XXXX XXXX continues to request these documents without resolution. 
As of today, XX/XX/year>, XXXX XXXX XXXX XXXX  cards also remain closed, and it will be nearly a month on XX/XX/year>, since I first addressed this issue. 
Requested Resolution Immediate correction of my credit report to remove the false dispute initiated by TransUnion. 
Reinstatement of my XXXXXXXX XXXX XXXX XXXX XXXX credit card accounts without further delay. 
A formal investigation into TransUnion 's practices regarding unauthorized disputes and false reporting. 
Accountability for TransUnion 's actions, including any penalties for violating FCRA regulations. 
I demand a resolution to this matter immediately, as TransUnion 's actions have caused undue financial harm, stress, and damage to my credit standing. If this issue is not resolved promptly, I will explore further legal options. 

Please acknowledge receipt of this complaint and provide a written response detailing the steps that will be taken to correct this situation.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-04 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am attaching proof of my personal information being apart of a data breach. All my personal information has been used to open up lines of credit, inquiries and the credit reporting agencys are even reporting late payments.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am attaching proof of my personal information being apart of a data breach. All my personal information has been used to open up lines of credit, inquiries and the credit reporting agencys are even reporting late payments.

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