vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit, that was not properly investigated. I have filed several disputes with Experian and XXXX. This dispute is submitted under the FCRA 15 U.S.C. 1681 ( i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Disputes Reported : Over ten disputes were reported between XX/XX/XXXX and XX/XX/XXXX ; without resolution. 

The inaccurate item at hand is one 30+ late payment from XX/XX/XXXX with XXXX XXXX XXXX I have re-verified this information with an XXXX XXXX representative on a recorded line on XX/XX/XXXX at XXXX XXXX XXXX Stating that my account does not have any marks for a late month, only a returned check fee from XX/XX/XXXX, a fee which was returned to me as a credit after payment was received and the issue was resolved. Once again, it has been verified that my account is in good standing with no late months on file. XXXX XXXX representative submitted a request on behalf to fix the reporting issue that has threatening access to credit, housing, and employment, and housing. 

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. In accordance with, 15 U.S.C. 1666 ( b ) 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.

15 U.S.C 6802 A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. Seeing as the financial institution never provided a consumer notice with 21 days, Experian and XXXX failed to investigate. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I have disputed this issue with Experian and XXXX ; however they refused to launch an actual investigation into resolving the 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 2025-01-30 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:
Upon reviewing my Consumer Reports, I discovered late payments on an accounts for which I have always maintained timely payments and never late. XXXX depressed and suicidal after dealing with inaccurate information on my credit reports I continue disputing these items for years and you fail to correct the late payments that you are reporting. Transunion continue to report these inaccurate late payments which caused me to get denied for a business loan that is essential for my business and my family.This is defamation of my character and detrimental to my health and XXXX. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( XXXX ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 

XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX FCU Account Number : XXXX XXXX XXXX XXXX I request a comprehensive investigation into these discrepancies and strongly urge you to provide supporting evidence, such as payment statements, that substantiate the reported late payments. If you are unable to provide such proof, I demand that these payments be immediately corrected to reflect their accurate status as paid on time, as I have consistently fulfilled my payment obligations without any delay.

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 2025-01-30 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: CBC Companies, Inc.
State: VA

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 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks to my life and credit health.

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 2025-01-30 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: MI

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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 XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: DC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
Dear CFPB, I am writing to formally dispute the lack of investigation and proper documentation provided by Experian regarding inaccuracies on my credit report. I have previously reached out to Experian concerning the discrepancies, but I have not received a satisfactory response or resolution. 

EXPERIAN : - XXXX  XXXX XXXX  - inquiry on XXXX My personal information was part of a cyber breach. This inquiry was not done by me or in my behalf and was done unknowingly with my personal information. 

- XXXX  XXXX XXXX  - inquiry on XXXX My personal information was part of a cyber security breach. This inquiry was not done by me or on my behalf. This inquiry was done unknowingly with my personal information XXXX : XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX Bank : # XXXX : the account is not reporting properly. This account has no balance and is closed. 
ALL INQUIRES FROM 2018 should be removed from my credit reporting with XXXX XXXX : XXXX XXXX Bank : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXXXXXX XXXX XXXX XXXX  XXXX this account is not reporting properly. This account has no balance as is closed. 

INQUIRIES FROM 2018 Should not be reporting on my credit report and should be immediately removed. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair investigation of the disputes I raise. However, I believe that Experian, XXXX, and XXXX have not conducted a thorough investigation as required. I have provided all necessary documentation to support my claim. 
All of these items are reporting on my credit report incorrectly and have not been investigated and corrected accordingly. 

I request that the CFPB assist me in resolving this matter and ensure that my rights are protected. I would appreciate your guidance on the next steps to take, and I hope to receive a response from you soon. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-01-30 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: KY

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 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 2025-01-30 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am reaching out to formally file a complaint against Affirm, a financial services provider, due to significant and unresolved issues that have caused considerable hardship and frustration over the past XXXX months. 

During this period, I have been unable to access my account despite numerous attempts to resolve the situation through Affirm customer service. I have been informed that my account is under investigation, yet no clear information or resolution timeline has been provided. Meanwhile, I have received threats of being reported to credit agencies, potentially impacting my credit score, despite having no control over or access to my account information.

The main issues are as follows : 1. Account Inaccessibility : For nearly XXXX months, I have been unable to access my account, preventing me from managing my payments and financial obligations effectively. 

2. Unclear Investigation Process : Affirm has not provided detailed information or updates regarding the investigation affecting my account, leaving me without clarity or recourse.

3. Credit Reporting Threats : Despite my inaccessibility to the account, Affirm 's threats to report to credit bureaus pose an unfair risk to my credit score.

I am seeking your intervention to help achieve the following : 1. Restoration of account access so I can properly manage my financial responsibilities.

2. A clear explanation from Affirm regarding the status and expected timeline for resolving the investigation.

3. Assurance that my credit score will remain unaffected by this situation, which is beyond my control.

I trust in your ability to assist in resolving these pressing issues promptly and fairly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-30 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: GA

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-01-30 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: GA

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital LL marked my XXXX XXXX XXXX with negative derogatory mark. I called them multiple times and the automated system directed me to their email. I sent a written request and they have failed to provide proof that I ever owned an account with the supposed entity that is owed. They only sent me a reference number which I looked up on Jefferson Capital website- the address noted is incorrect and the account noted from XXXX XXXX  is also incorrect. I never owned an account with XXXX XXXX and never received documentation that I owed them. I've requested documentation per attached emails to Jefferson Capital LL without success. 

I demand that Jefferson Capital LL investigates these false reports and provides all pertinent documentation including : 1 ) Proof that the debt is mine and that Jefferson Capital LLC has the right to collect it.

2 ) The last statement or invoice provided to me by the creditor to which the debt is currently owed.

3 ) The charge-off date.

4 ) The account number associated with the debt.

5 ) The amount of current debt and itemized list of any payments made, added fees/interest/or other charges.

6 ) Confirm whether or not the statute of limitation on the debt has expired. 
7 ) Written documentation of when and how I was notified of the debt and by who- I did not receive any letters or emails notifying me that I owed money to anyone. 

Jefferson Capital LL also needs to remove all negative derogatory markings on my credit scores from all XXXX credit bureaus [ XXXX, XXXX, XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
I was sent a vanilla gift card on XX/XX/XXXX. Upon receipt, I activated the gift card, and it was authorized for {$100.00}. I proceeded to use the gift card, and it declined. I contacted customer service ( XXXX ), and they said the card was authorized and could be used. I tried numerous times, at several different merchants, and the card continued to decline. I contacted customer service again, and was told that they would reissue the card. I received the reissued card, activated it, and had the same issues. I contacted customer service again, and they said to give the card XXXX hours before using it again. I did that, and it continued to decline. I contacted them again on XX/XX/XXXX and requested that they open a case for a refund. I was told that it would take XXXX weeks for the refund to be issued. I contacted them again on XX/XX/XXXX, to inquire about my case, and was told a check was issued. I contacted them again on XX/XX/XXXX and was told that my case would be escalated so that a refund could be issued ( yes, this is AFTER they had already told me they had issued and mailed my refund. ). I have tried repeatedly to get this situation remedied with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX of XXXX an unknown person fraudulently opened a business checking account with Capital One in our family business 's name. I called Capital One to report it and find out who did it and they said I had to file a report with the FTC and Consumer Financial Protection Bureau. 

In XX/XX/XXXX an unknown person fraudulently opened a business checking account with XXXX  XXXX XXXX in our family business 's name. I called XXXX  XXXX XXXX and reported the fraud. They would not provide information of the perpetrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation