vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-03-09 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 am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-03-09 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-09 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 report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/XXXX, I moved out of New York and notified National Grid to close my account at my previous residence in XXXX, NY. I assumed my account was closed, as I no longer resided at the property. 

In XXXX, I began receiving notices about an outstanding balance. I contacted XXXX XXXX and informed them that I had moved out in XXXX and was no longer responsible for the account. However, they failed to properly investigate and continued reporting a balance. 

Now, Transworld Systems has started collection efforts for a {$6300.00} debt that I do not owe. Despite my dispute, they have failed to provide proper debt validation, which is required under the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX Code XXXX. 

I have provided proof that I moved out in XXXX, including my Georgia drivers license ( issued in XXXX ), my lease from XXXX, and a Social Security letter from XXXX, yet both National Grid and Transworld Systems have continued collection efforts. 

Additionally, during the XXXX pandemic, utility disconnection moratoriums XXXX have contributed to this billing error by allowing charges to continue accumulating after I had already moved. 

I am requesting CFPBs assistance in ensuring that : ** XXXX XXXX and Transworld Systems provide full validation of this debt. 
XXXX efforts are stopped if they can not prove I am responsible. 
Any inaccurate reporting to the credit bureaus is removed. 
I have made multiple attempts to resolve this, but neither company has provided a valid response. I now seek regulatory intervention to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-09 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: MN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to willful negligence and non compliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C. 1681 and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: AL

Complaint narrative:
Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/year>, there was a fraudulent transaction to my savings account which made the bank close my account. I originally had some funds in my savings that were from my taxes before the scam happened.. I was wondering if there is anyway you could help me refund them back. Please & thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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 am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history. I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 15 U.S.C 6802. ALL INCORRECT INFORMATION THAT DOESNT BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT.

XXXX XXXX XXXX XXXX XXXX ) was opened XX/XX/XXXX with the amount {$2100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened XX/XX/XXXX with the amount {$930.00} -XXXX  XXXX  XXXX  ( XXXX  XXXX  XXXX  ) was opened on XX/XX/XXXX with the amount {$6300.00} ALL ABOVE INCORRECT INFORMATION DOESN'T BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT.

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 2025-03-09 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Got it! Ill create a powerful dispute letter for Civility ( non-compliance ) regarding inaccurate or unverifiable information on your credit report. 



[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX AZ, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Dispute for Non-Compliance Request for Immediate Deletion of Inaccurate Information Dear [ XXXX ] I am writing to formally dispute and demand the removal of an item currently being reported on my credit file. After reviewing my credit report, I discovered that there is an entry associated with Civility that I believe is inaccurate, unverified, and in violation of federal compliance laws under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information contained in their credit report, the credit reporting agency must conduct a proper investigation and verify the information within 30 days. If the creditor fails to provide verifiable proof of the debt or item within that time frame, the item must be permanently deleted from my credit file.

At this time, Civility has failed to provide verifiable documentation proving the validity of the debt in compliance with the FCRA, which constitutes a clear non-compliance issue. Therefore, I am demanding the immediate deletion of this account from my credit report as required by law.

I am requesting that you : Immediately delete the Civility account from my credit report due to their failure to comply with federal guidelines.

Provide me with written confirmation of the deletion once it has been completed.

Failure to comply with this request will result in me escalating this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action for willful non-compliance under 15 U.S. Code 1681n.

Thank you for your prompt attention to this matter. Please send written confirmation of the deletion within 30 days of receiving this letter. Should you have any questions or require additional information, I can be reached at the contact information provided above. 

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 2025-03-09 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: AZ

Complaint narrative:
Got it! Ill create a powerful dispute letter for Civility ( non-compliance ) regarding inaccurate or unverifiable information on your credit report. 



[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX AZ, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Dispute for Non-Compliance Request for Immediate Deletion of Inaccurate Information Dear [ XXXX ] I am writing to formally dispute and demand the removal of an item currently being reported on my credit file. After reviewing my credit report, I discovered that there is an entry associated with Civility that I believe is inaccurate, unverified, and in violation of federal compliance laws under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information contained in their credit report, the credit reporting agency must conduct a proper investigation and verify the information within 30 days. If the creditor fails to provide verifiable proof of the debt or item within that time frame, the item must be permanently deleted from my credit file.

At this time, Civility has failed to provide verifiable documentation proving the validity of the debt in compliance with the FCRA, which constitutes a clear non-compliance issue. Therefore, I am demanding the immediate deletion of this account from my credit report as required by law.

I am requesting that you : Immediately delete the Civility account from my credit report due to their failure to comply with federal guidelines.

Provide me with written confirmation of the deletion once it has been completed.

Failure to comply with this request will result in me escalating this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action for willful non-compliance under 15 U.S. Code 1681n.

Thank you for your prompt attention to this matter. Please send written confirmation of the deletion within 30 days of receiving this letter. Should you have any questions or require additional information, I can be reached at the contact information provided above. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
On Friday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXXXXXX stating " Their information shows : You have or had an unpaid balance with XXXXXXXX XXXX XXXX XXXX XXXXXXXX under your account number ( XXXX  ). '' CURRENT CREDITOR : Telecheck Services, LLC. 

As of XX/XX/XXXX, you owed : * XXXX plus a fee of {$25.00}. 
* XXXX plus a fee of {$25.00}. 

I contacted XXXX XXXX XXXX to get more information about this " alleged '' debt on Monday, XX/XX/XXXX, by phone to request more information about this debt and dispute it. The representative of XXXX refused to assist me with this account information by speaking in a hostile manner, redirecting me to file a dispute online or pay over the phone with him to clear the debt. I attempted to explain, " THIS IS NOT A DEBT, IT IS AN ONLINE GROCERY ORDER THAT WAS SUCCESSFULLY PLACED AND RECEIVED BY XXXX AND THIS INFORMATION CAN BE VERIFIED WITH XXXX ONLINE CUSTOMER CARE AND XXXX XXXX XXXX '' I explained to the representative that this debt is illegal! 

The representative threatened me by stating " If I do not dispute or pay the debt by XX/XX/XXXX, they ( XXXX XXXX XXXX ) will report me to the credit bureaus. 

I then contacted Telecheck to understand why they reported me to a Collection Agency and I was immediately cut -off from speaking and redirected to contact XXXX XXXX. When I declined and again tried to explain, the representative disconnected the call. 

I called XXXX XXXX XXXX and was informed : I do not have any outstanding balance with their online services. 
All orders that I placed were paid as agreed and delivered or picked up. 
XXXX does not use a third party to assist them with collecting a debt. I was advised to contact my bank to report this activity with XXXX. 

I contacted XXXX XXXXXXXX XXXX to verify that all of my online orders or any orders from XXXX were successfully debited from my account and verified that funds were in my account for the date in question, XX/XX/XXXX and that enough funds were available to cover my expenses. XXXX XXXX did agree no charge was insufficient. 

HOW CAN SOMEONE MAKE A PURCHASE WITH A RETAILER AND GET REPORTED TO A COLLECTION AGENCY ALL IN THE SAME DAY?

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 2025-03-09 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: DC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-03-09 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: MS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief