vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I have submitted disputes by certified mail with id theft report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
The Department of Education opened loans that I Never applied for Nobody at the agency knows anything and can not provide accurate information. I called XXXX times. When I asked for promissory notes they sent me my daughters information. This is documented. I am so angry someone fraudulently opened accounts in XXXX and XXXX without my consent. These loans are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: NV

Complaint narrative:
No notification was made by hospital.

Collection agency sent letter of collection.

Contacted hospital. Confirmed they did not attempt to charge insurance company.

Hospital refused to transfer to supervisor. 
Disputed with collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-28 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: PA

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 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 2025-03-28 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: PA

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 2025-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i disputed the account to verify this debt and show my signature of this account. they didnt provide me with anything they just said updated and verified.

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 2025-03-28 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express maintains 2 sets of books/ statements that differ from each other. The revenue numbers they report to shareholders and the court is higher than the statements provided on to customers ( via their website ) .They are aware of these errors, and continue to deceive and manipulate shareholders and customers. 
This harming 2 groups : 1 ) Shareholders : it is causing them to overstate revenue to shareholders.

2 ) American Express Customers : They sue customers based on the higher numbers, when customers thought their bill was paid in full. 
Because of these incorrect numbers, I have wrongfully been sued by them. I have lost money ( due to lawyer fees ) because of their misconduct. They claim they have deleted the files, so I dont know the entire scope, but in XX/XX/2023 alone, The numbers they submitted to the court and shareholders are {$3000.00} higher than the records they report to customers. 
I have asked for proof of debt, and they refuse to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts ; XXXX XXXX  - XXXX XXXX & XXXX - XXXX XXXX  XXXX - XXXX CBA XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrec tPersonal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX Z XXXX - Incorrect Personal

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 2025-03-28 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-28 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXX XXXX - XXXX - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to meto report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for myXXXX XXXX XXXXhave not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I hope this message finds you well. I want to share my experience regarding an error on my credit report related to my student loan account [ Loan Servicer : XXXX  ] [ Account Number : XXXX ]. My report shows a 90-day late payment, which I believe is incorrect. 

A 90-day late payment indicates that Ive missed three payments in a row, which can significantly impact my credit score. In reality, my payment history is current, and I have only missed one payment, which should be reported as a 30-day late payment instead. The difference between these two statuses is substantial, and I want to ensure that my credit report accurately reflects my payment behavior. 

I also want to highlight that according to the Uniform Commercial Code ( UCC ) Section 9-507, creditors are required to report accurate information about a consumers payment history. Misreporting can lead to misunderstandings about my financial responsibility and affect my ability to secure loans in the future. 

Thank you for taking the time to read my concerns. I appreciate any guidance or assistance you can provide regarding this matter.

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 2025-03-28 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: TX

Complaint narrative:
I hope this message finds you well. I want to share my experience regarding an error on my credit report related to my student loan account [ XXXX XXXX : XXXX ] [ Account Number : XXXX ]. My report shows a XXXX late payment, which I believe is incorrect. 

A XXXX late payment indicates that Ive missed XXXX payments in a row, which can significantly impact my credit score. In reality, my payment history is current, and I have only missed XXXX payment, which should be reported as a XXXX late payment instead. The difference between these XXXX statuses is substantial, and I want to ensure that my credit report accurately reflects my payment behavior. 

I also want to highlight that according to the Uniform Commercial Code ( UCC ) Section 9-507, creditors are required to report accurate information about a consumers payment history. Misreporting can lead to misunderstandings about my financial responsibility and affect my ability to secure loans in the future. 

Thank you for taking the time to read my concerns. I appreciate any guidance or assistance you can provide regarding this matter.

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 2025-03-28 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: TX

Complaint narrative:
I hope this message finds you well. I want to share my experience regarding an error on my credit report related to my student loan account [ XXXX XXXX : XXXX ] [ Account Number : XXXX ]. My report shows a XXXX late payment, which I believe is incorrect. 

A XXXX late payment indicates that Ive missed XXXX payments in a row, which can significantly impact my credit score. In reality, my payment history is current, and I have only missed XXXX payment, which should be reported as a XXXX late payment instead. The difference between these XXXX statuses is substantial, and I want to ensure that my credit report accurately reflects my payment behavior. 

I also want to highlight that according to the Uniform Commercial Code ( UCC ) Section 9-507, creditors are required to report accurate information about a consumers payment history. Misreporting can lead to misunderstandings about my financial responsibility and affect my ability to secure loans in the future. 

Thank you for taking the time to read my concerns. I appreciate any guidance or assistance you can provide regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MO

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested that Equifax remove these unauthorized inquiries or on my credit file : I have sent them all the requested documentation that they asked for, and they keep responding that I send them the same documents repeatedly. I have sent them all that have been requested of me XXXX times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
i'm a previous tenant with XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, alabama. when i moved out of the apartment they said i owed them {$140.00} which i did not dispute, so they sent the notice to the collection agency. so i sent the full amount {$140.00} on XX/XX/XXXX to the collection agency. i.e. ; HUNTER WARFILED, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. PHONE : XXXX ; ACCOUNT XXXX XXXX  ; HUNTER WARFIELD ACCOUNT # XXXX ; PAYMENT DATE - XX/XX/XXXX. Also my case number with you all is : XXXX. this is showing up negative on my rental history, i'm asking to please have this rectified ASAP. And when this is resolved will you please me a confirmation letter by USPS certify letter to this address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX. ( THANK YOU )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out because Ive noticed an error on my credit report that needs to be addressed immediately. Specifically, there are accounts listed that I never authorized or gave permission for. These accounts are completely unauthorized, and I expect them to be removed from my report without delay. I understand the seriousness of this matter and am requesting that you take swift action to correct it.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am disputing a charge-off reported by Capital One. I made a payment of {$1900.00} on XX/XX/year>. Capital One confirmed this payment was posted before the account officially cycled into charge-off status on XX/XX/year>. 

I contacted Capital One and was told by XXXX agents ( XXXX : XXXX and XXXX ) that the charge-off process started internally over the weekend, but the account did not cycle until Monday. My payment was submitted in good faith, before the account was finalized as charged off. 

I also was not properly notified that the account was in a charge-off process. A Capital One representative confirmed there was a system-wide issue with mobile app notifications that prevented users from seeing timely account updates. I was enrolled in electronic notifications but did not receive any alert or warning that the charge-off was pending.

Capital One denied my request to reverse the charge-off, even though my payment was made before the account cycled. I am requesting that the charge-off be removed from my credit report and the information corrected with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation