vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information I am requesting a correction on a late payment on this account Name of the account : XXXX XXXX XXXX Account number : XXXX Account Original Balance : {$30000.00} Account Status : Open Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX One Incorrect Late Payment : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$24000.00} Account Opened Date : 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 2025-04-23 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: CA

Complaint narrative:
I was looking at my credit report and i saw 1 fraudulent inquiry. 

XXXX XXXX XXXX XXXX 2025

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
This letter serves as a formal notice and demand regarding the above-referenced account, which was fraudulently opened in my name without my knowledge or authorization. I previously submitted a sworn identity theft affidavit and supporting documentation to the original creditorXXXX XXXX XXXXconfirming that this account resulted from identity theft.

Despite this, Jefferson Capital Systems has reported and continues to report this fraudulent debt to consumer reporting agencies, including as recently as XX/XX/year>. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Be advised of the following : You are now in receipt of official notice that this account is the result of identity theft.

Reporting or continuing to report this account without proper validation or investigation is a willful violation of 15 U.S.C. 1681s-2, 1692e, and 1692f.

Any further attempt to collect, report, or verify this account may result in civil litigation, including but not limited to claims for damages, legal fees, and injunctive relief. 

Account # : XXXX Original Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
I paid an old account off with XXXX on XX/XX/year>. The confirmation for the payment is XXXX. Today I received notification on experian report the balance is stilled owed. I want this corrected as payment has been made,

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 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX XXXX bridges and tunnels, Transworld Systems XXXX, sent a judgment warning notice dated XX/XX/year>, of a judgment being entered against me. I do not have a contract with either party. On XX/XX/year>, Department of Motor Vehicles Administrative Law Judge XXXX XXXX sent a suspension order for XX/XX/year>, of which I received no contract compelling me to perform, which was requested per affidavit. I am being coerced into complying with companies, as my registration will be suspended, and traveling with a suspended registration can incur arrest and or confiscation of my vehicle. In addition, I can appeal within 60 days, but my registration would still be suspended. The Department of Motor Vehicles did this to me the previous year with Administrative Law Judge XXXX XXXX, again, no contract. The other agency is the XXXX XXXX XXXXXXXX XXXX. The amounts were XXXX and XXXX approx

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I received a debit card in the mail through Wells Fargo yet I do not have an account with them so I called their customer service and closed the account and requested fraud alert they proceeded to close the account and navigate me to a fraud department that handles everything online not sure what that is exactly I have the confirmation code and they will be closing the account in 45 days I believe and they are sending all kinds of paperwork fraud papers and more then I read online to direct my attention here after so here I am I am going to freeze my credit after this input as well

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 2025-04-24 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:
FORMAL DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENT REPORTING UNDER 15 U.S. CODE 1681s2 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to demand the immediate deletion of the inaccurately reported late payment for the account listed below, as reflected on my credit report : Account Name : [ XXXX ] Creditor : [ XXXX XXXX  ] Date of Alleged Late Payment : [ XX/XX/year>, and XX/XX/year> ] Account Name : [ XXXX ] Creditor : [ XXXX XXXX XXXX XXXX ] Date of Alleged Late Payment : [ XX/XX/year> ] Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. The information being reported regarding this late payment is inaccurate, misleading, and in violation of federal law.

I formally dispute this late payment and demand that you investigate and remove the inaccurate data from all credit reporting agencies to which it was provided. I have attached supporting documents showing that this payment was not late and/or that the reporting is in error. You are legally obligated to conduct a thorough investigation and correct any inaccurate or incomplete information.

Be advised : if you fail to correct this information, you will be held liable under the Fair Credit Reporting Act ( FCRA ) and other applicable federal statutes. I am fully prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary.

I expect written confirmation of the deletion of the inaccurate information within 4 days of receipt of this letter.

This is your formal notice. Govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Subject : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS PURSUANT TO FCRA AND XXXX IDENTITY THEFT VICTIM This letter is a formal demand for the immediate removal of fraudulent accounts and inquiries from my credit report resulting from identity theft. 

The following accounts and/or inquiries were fraudulently opened or initiated without my knowledge or consent : [ List account name ( s ), number ( s ), and creditor ( s ) ] These accounts are a direct violation of my identity and are being reported inaccurately under federal law. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ), and specifically under : 15 U.S. Code 1681c-2 Block of information resulting from identity theft You are legally required to block the reporting of information that is the result of identity theft within 4 business days upon receiving : Proof of identity, A police report or an FTC Identity Theft Report, A written statement disputing the fraudulent accounts.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information You are prohibited from reporting information you know or have reasonable cause to believe is inaccurate, including fraudulent accounts.

15 U.S. Code 1681i Procedure in case of disputed accuracy Upon receipt of this dispute, you are required to investigate the disputed accounts within 4 days, and correct or remove any unverifiable or inaccurate information.

I DEMAND that you : Immediately block and remove the fraudulent accounts and any associated inquiries from my credit report ; Cease and desist from furnishing or reporting these accounts to any third party ; Provide written confirmation that these accounts have been removed and will not be reinserted. 
Failure to act in full compliance will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation for damages, including emotional distress and defamation. 

You have been notified. You are now legally obligated to act. 

All accounts are attached pls remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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 recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these from my report as they are hurting my ability to obtain credit.

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 2025-04-24 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: SC

Complaint narrative:
I am a victim of identity theft and the following account are not mine! I have no knowledge of the accounts... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX * THE BUREAUS Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * MINE XXXX XXXX Account Number : XXXX THESE INQUIRIES WERE UNAUTHORIZED : 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 2025-04-24 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: DC

Complaint narrative:
This account is reporting inaccurate information about the date open, high credit, payment status, last payment, date of last activity, date of last payment and the comment. 

This account was paid in full.

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 2025-04-24 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: DC

Complaint narrative:
This account is reporting inaccurate information about the date open, high credit, payment status, last payment, date of last activity, date of last payment and the comment. 

This account was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one is trying to say that they gave me a loan for a 2 cars and I told them how they giving out loans if 12 U.S. Code 83 - Loans by bank on its own stock No national bank shall make any loan or discount on the security of the shares of its own capital stock. 
Also XXXX XXXXXXXX XXXX and XXXX XXXX XXXX is keep putting false information on my credit score without my permission I called them and explain to them that they need to erase everything on my credit report cause its false 15 usc 1681b permissible purpose and I need yall to remove late payments cause 15 usc 1666b said u not supposed to have late payments on credit report and 12 cfr 1026.13 And I need yall to force them to Remove charge off on my credit report thank u because 15 usc 1635 u can not put charge off on my credit report thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i submitted ftc reports along others documents to have the fraudulent information removed and they still have not removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IA

Complaint narrative:
There are inaccurate charge-off accounts being reported on my TransUnion credit report that must be addressed immediately. Specifically, the XXXX XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX ) and the XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX ) both show a balance of {$0.00}, yet are still being reported as charge-offs. These entries are likely the result of a data breach, and I have no verifiable relationship with either account. There is no documentation or original contract bearing my signature that supports the validity of these accounts. I have previously requested investigations, and to date, no valid verification has been provided by either the furnishers or TransUnion. These items are in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), and I am requesting that they be permanently removed due to their unverifiable and inaccurate nature.

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 2025-04-24 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) I looked at my Transunion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accura

cy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notif y the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Thank you for your time and attention! 

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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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