vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
On XX/XX/XXXX i sent a request for this info : The date of the first delinquency on this account. 
The date of the last payment made on this account. 
The date this account was charged off by the original creditor. 
The chain of assignment, including all entities that have owned or handled this account from the original creditor to your agency. 
The company failed to do so On XX/XX/XXXX I sent a dispute for them to provide info requested or removed themselves from my credit report and cease all reporting activities I am getting the cupboard involved to make sure this happens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: HI

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> Someone stole my debit card from an atm location and proceeded to steal {$2500.00} out of my account. Wells Fargo temporarily credidted my account with {$2500.00}. Then they sent me a letter saying on XX/XX/year> they will take the money back out of my account because their investigation showed i was at fault. Even though I told them exactly where and when to look on their atm cameras and they can see the man take my card and also check the cameras at the other cities atm where the money was taken and they can see it is not me. I also sent them a police report i made the day the money was stolen. they said there is nothing they can do about it and wells fargo took the {$2500.00} out of my account. I DID NOT STEAL THAT MONEY.

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 monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I received an email from Best Egg, as I do every month, that my automatic payment in the amount of {$950.00} had been received and posted to my account. My payment is due on the 15th of every month. 

On XX/XX/XXXX, I received a notification from my bank that Best Egg had attempted to charge my account a second time in the amount of {$950.00}. I logged in to my Best Egg account and saw that the payment from XX/XX/XXXX had posted and was reflected in my payment history. I contacted Best Egg via email requesting to know why they attempted to charge my bank account a second time. I received an automated response saying I could, " ... expect a response within two business daysif not sooner! '' On XX/XX/XXXX, XXXX hours after my initial request, I still had not heard from Best Egg. I contacted them a second time stating that I took this matter very seriously and that if they failed to respond to me, in writing, by XX/XX/XXXX that I would be forced to file a complaint with the CFBP. I once again received the same automated response. 

Today is XX/XX/XXXX. We are more than 48 hours past the time of my initial contact. I've noticed that Best Egg has removed the credit from my loan account for the charge on XX/XX/XXXX and are now threatening me with repercussions for a " late payment ''. 

One final note. I've had this installment loan with Best Egg since XX/XX/XXXX ; I've never had an issue with the company and have not once had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
Transunion I have been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation of FCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!

Equifax I have been contacting Equifax for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation of FCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED! 

XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$16000.00} Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$9900.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : Company or Organization : XXXX XXXX LL Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-27 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I just called Nelnet at XXXX pm on XX/XX/year> to ask regarding deferment vs forbearance options, the agent puts the phone on hold and was unable to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-27 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-27 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-27 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to formally dispute the accuracy of the account listed under my name and the account numbers listed with BXXXX XXXX XXXX XXXX  XXXX XXXX and Flagship Credit Acceptan as it appears on my credit report. This account is being incorrectly reported as verified, and I demand immediate and thorough verification in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
Under Section 611 of the FCRA, when a consumer disputes the accuracy of an account, the credit reporting agency is required to investigate the dispute and provide evidence of the accuracy of the information. I have previously submitted a dispute regarding this account, and I have not received sufficient documentation or proof that the account information reported is accurate.

Your failure to provide supporting documentation or verification of this account within the legally mandated time frame of 30 days constitutes a violation of the FCRA. As per FCRA Section 1681i, if you can not validate this account, you are obligated to remove it from my credit report immediately.

Therefore, I am demanding the following : 1. Proof of the accuracy of the reported account, including but not limited to a copy of the original contract or agreement with my signature, 2. If you are unable to provide such documentation, the account must be removed from my credit report.

Additionally, please be aware that under FCRA Section 1681e ( b ), you are required to ensure that all information reported is accurate and complete. If you continue to report this account as verified without providing the necessary documentation, I will consider taking further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking relief under the FCRA for any damages resulting from this violation. 
Please provide a detailed response, including verification or removal of the account, within 15 days of receiving this letter. Failure to comply will result in my escalation of 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to formally dispute the accuracy of the account listed under my name and the account numbers listed with BXXXX XXXX XXXX XXXX  XXXX XXXX and Flagship Credit Acceptan as it appears on my credit report. This account is being incorrectly reported as verified, and I demand immediate and thorough verification in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
Under Section 611 of the FCRA, when a consumer disputes the accuracy of an account, the credit reporting agency is required to investigate the dispute and provide evidence of the accuracy of the information. I have previously submitted a dispute regarding this account, and I have not received sufficient documentation or proof that the account information reported is accurate.

Your failure to provide supporting documentation or verification of this account within the legally mandated time frame of 30 days constitutes a violation of the FCRA. As per FCRA Section 1681i, if you can not validate this account, you are obligated to remove it from my credit report immediately.

Therefore, I am demanding the following : 1. Proof of the accuracy of the reported account, including but not limited to a copy of the original contract or agreement with my signature, 2. If you are unable to provide such documentation, the account must be removed from my credit report.

Additionally, please be aware that under FCRA Section 1681e ( b ), you are required to ensure that all information reported is accurate and complete. If you continue to report this account as verified without providing the necessary documentation, I will consider taking further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking relief under the FCRA for any damages resulting from this violation. 
Please provide a detailed response, including verification or removal of the account, within 15 days of receiving this letter. Failure to comply will result in my escalation of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-27 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: FL

Complaint narrative:
Dispute with XXXX XXXX over charges received from XXXX for free trial. Provided proof that I was under a free trial, communicated and forwarded additional information. As a result, my credit score tanked. XXXX credit score XXXX, tanked to XXXX. Dispute was in process but XXXX XXXX marked XXXX months of late payments. I have filed disputes with all three credit reporting agencies but they only confirm that it is my account which I don't deny. All as a result of signing up for a 3 month free trial of XXXX and them charging me monthly anyway. I paid the total amount due which was about {$60.00}, plus late payment charges, and closed the account to avoid another monthly charge from XXXX. In the meantime, my husband and I applied for a mortgage. Credit rating used for both of us was XXXX. We are debt free, pay cash for everything, and pay off credit card balances monthly and this one issue is stopping us from getting a fair mortgage rate. Our entire credit history should be reviewed before giving us a low credit score. We have had excellent credit for over 40 years and one unpaid payment for two months has destroyed that. Can anything be done to rectify this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim

Company response to consumer: Closed with non-monetary relief