vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
On XX/XX/year>, XXXX XXXX agreed to allow me to pay out of my contract the amount of {$510.00} ( supporting documentation 1 ) due to XXXX XXXX unethically not charging me the appropriate amount set by our agreement for the promotions for the two devices I had. Throughout my account, I was being overcharged as I expressed to XXXX many times ; however, the problem was never resolved properly, and I was still overcharged for months. Due to this XXXXXXXX XXXX XXXX XXXX allowed me to pay off the remaining amount left on my account and return the device they were not properly charging me for as agreed to during the time of sale on the device and XXXX acknowledged this many times by improperly crediting my account were there would always be a discrepancy between what should be charged and what was charged. after XX/XX/XXXX, around oct. XXXX, I received the return packaging to return the device to XXXX. The packaging was too small for the device, which the XXXX XXXX XXXX team directed me to go to XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, and they would ship the device to the appropriate location. I did this and have video proof of the store manager confirming that I returned the device to his store ( store manager XXXX ). The XXXX XXXX XXXX team informed me that once the store processed the return, I would receive the return information, such as the tracking number. I never received this information, and lost contact with XXXX after returning the device to the store. When I returned the device, I also gave them the proof of account closure, which was sent to me via USPS from XXXX, so they could process the return fully as stated by the XXXX XXXX XXXX team. 

I recently disputed this account with Equifax however they allowed XXXX to still report this account even after I notified them that the account was inaccurate and violated the Fair Credit Reporting Act. I notified XXXX and XXXX and they are both recognizing that this account as inaccurate and allowed me to place a freeze on my file until further notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute the account listed under Capital One Auto Finance with the following information : Account Number : XXXX Amount Owed : {$3000.00} Account Type : Installment ( Automobile Loan ) Account Opening Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Account Status : Charge-Off Date Closed : XX/XX/XXXX Reported By : Credit Grantor ( Unpaid Balance Charged Off ) The account has been open for over 7 years, and I believe it should no longer be reported on my credit due to the following issues : Incorrect Closing Date : The closing date of this account, listed as XX/XX/XXXX, is incorrect and should be updated to reflect the correct date, or the account should be removed entirely if applicable. 
Exceeded 7-Year Reporting Period : The account has been open for over 7 years, and under the Fair Debt Collection Practices Act ( FDCPA ) and the Credit Reporting Agencies guidelines , negative information should not remain on a consumers credit report after 7 years from the original delinquency date. 
Refusal to Remove : I was informed that even if I paid the debt, the account would not be removed from my credit report. This refusal to remove the account violates my rights under the FDCPA. According to the law, I am entitled to have the account removed after the specified time period, regardless of payment. 
Under FDCPA Act Code Section 809 ( b ), I request that you verify the accuracy of the reporting and either correct or remove the outdated and inaccurate information. If the account is not properly updated or removed, I will be forced to escalate this matter further.

Please take corrective action and respond within 14 days as per the regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
RE : Request for correction under FCRA and Metro 2 Inconsistency in account reporting Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last 4 digits : XXXX I am writing to formally request a correction in the reporting of the above-mentioned account. This account appears on my credit report with several inconsistencies across the credit bureaus, which violate the Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ), Section 623. 
Discrepancies identified : 1. TransUnion reports this account as 90 days late in XX/XX/year>, while Equifax and Experian report it as only 30 days late. 
2. The past due amount reported by Equifax and TransUnion is {$44.00}, while Experian reports {$0.00}.

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 explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-29 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: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-03-29 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: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-03-29 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account XXXX : XXXX XXXX Account 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 2025-03-29 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:
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX # XXXX {$3700.00} 6.DPT ED/XXXX XXXX XXXX 7.DPT ED/XXXX # XXXX {$3800.00} 8.DPT ED/XXXX XXXX XXXXXXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove all addresses that doesnt belong to me 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 2025-03-29 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: OH

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

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 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 2025-03-29 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX agreed to allow me to pay out of my contract of the amount of {$510.00} ( supporting documentation 1 ) due to XXXX XXXX unethically not charging me the appropriate amount set by our agreement for the promotions for the two devices I had. Throughout my account, I was being overcharged as i expressed to XXXX many times ; however, the problem was never resolved properly and i was still overcharged during the months. due to this verizons customer care team allowed me to pay off the remaining amount left on my account and return the device they were not properly charging me for as agreed to during the time of sale on the device and XXXX acknowledged this many times by improperly crediting my account were there would always be a discrepancy between what should be charged and what was charged. after XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Supporting documentation 3 ) i received the return packaging to return the device to XXXX. The packaging was too small for the device, which the XXXX XXXX XXXX team directed me to go to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and they would ship the device to the appropriate location. I did this and have video proof of the store manager confirming that i returned the device to his store ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX team informed me that once the store processed the return, i would receive the return information, such as the tracking number.I never received this information, and lost contact with XXXX after returning the device to the store. When I returned the device, I also gave them the proof of account closure, which was sent to me via USPS from XXXX, so they could process the return fully as stated by the XXXX XXXX XXXX XXXX 

Within supporting documentation 2, please find the same situation that happened with a family member and the document that was sent to both of us. Using this document, the CFPB can force XXXX to properly investigate the account closure of this enclosure and use that information to locate my enclosure because these two letters were sent at the same time by the same representative. When locating my enclosure, you will see the same information that my account has been closed. I then returned the device to the store location above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I do not remember the exact month, but in XXXX, Citi reduced my credit limit on 2 separate cards without explanation or causation by 50 % or more, causing my credit score and my wife 's credit score to drop XXXX points. Both credit cards were at less than 50 % utilized credit based on our limits before the credit limit reduction and after they were nearly maxed out between 95 % -98 % credit utilization. 
One of the cards I had previously purchased over $ XXXX in airline tickets which had been paid in full within 6 months of the initial purchase. 

One card was an XXXX XXXX XXXX XXXX and the other was the XXXX XXXX. 

Again this reduction in credit limit availability and the subsequent credit limit being maxed out dropped our credit from well over XXXX down to the low XXXX 's. I had never made a late to Citi bank for either card.

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 2025-03-29 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 HAVE BEEN AFFECTED BY THE XXXX 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 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  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian

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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I reached out to the debt collector and requested Documation of contract and the debt does not belong to me and cease and desist until the matter is resolved and collection calls and letters are still arriving saying I better pay the debt or legal police action will take place

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: WA

Complaint narrative:
I reviewed my credit report and discovered several fraudulent accounts that do not belong to me, which I believe resulted from the Equifax data breach. These unauthorized accounts have negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy of reported information, yet they have not fulfilled this obligation. I have contacted the creditors involved, and they confirmed these accounts were fraudulently opened. Additionally, I am submitting identity theft reports, including an FTC report, to support my claim. I request immediate action to remove these fraudulent accounts and correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
I am reaching out to formally express my concern regarding Experians ongoing inaccurate reporting of my credit score. My score has dropped by XXXX points, with the stated reason being that my account balances increased by {$93.00}. However, none of my accounts carry a balance except for my student loan, which has not reported any changes since XXXX. Despite this, my score continues to declinedropping XXXX points in the past two weeks for no apparent reason. 

I have attempted multiple times to contact Experian for clarification and to request a review of their system, as something appears to be incorrect. I also filed a dispute, yet no resolution has been provided. Additionally, Experians phone system disconnects calls, making it impossible to speak with a representative, which is extremely frustrating and unacceptable. 

This situation is directly affecting my financial stability, and I am seeking immediate assistance in addressing this issue. Credit bureaus should be held accountable for ensuring the accuracy of the information they report. Please advise on the appropriate next steps I can take to resolve this matter as soon as possible. 

Thank you for your time and assistance. I look forward to your prompt response..

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 2025-03-29 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: VA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: VA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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