vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX listed on Equifax, Experian, and TransUnion Account Name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Listed on TransUnion, Equifax and Experian. Account name : Contract Callers Account Number : XXXX Account Opened : XX/XX/XXXX Listed on TransUnion, Equifax and Experian, Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Account opened : XX/XX/XXXX Listed on Equifax, Experian, and TransUnion, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any if the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. I am requesting to have these items removed off all my credit reports immediately.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I has fraudulent accounts on my report. Please remove these accounts from my report, 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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I have had a checking account with TD Bank USA since fall XXXX. I recently received a check for my federal tax return in the amount of {$4500.00}. I deposited this sometime on XX/XX/XXXX ( or possibly a day or XXXX earlier, I do not exactly remember ). 

On XX/XX/XXXX, I received an email informing me that my account was in overdraft. The email threatened me with fees if I did not take immediate action to remedy the overdraft. It claimed my account balance was negative {$4400.00}. 

I was unable to access my online account as per usual. I immediately contacted customer support by phone. Customer support informed me ( 1 ) my account was closed by TD ; ( 2 ) two levels of review had been conducted internally ; ( 3 ) there was no information that could be provided, even by a supervisor or in person at a branch ; ( 4 ) I would be unable to receive my deposited money, and that I should try depositing my ( US government ) check again somewhere else.

I am concerned that the bank is acting fraudulently towards me by taking substantially all my assets without notice or recourse, and is potentially advising me to commit a federal felony by depositing the same check twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
I recently reached out to " Transunion '' Equifax, And Experian, '' because I notice that this agency has furnished XXXX XXXX XXXX XXXX  Ref. # XXXX and Ref. # XXXX on my credit report and they indicated to me that they have verified this information to be accurate stating " they have verified this information with the Court '' File ID # XXXX. I have contacted the court and have enclosed their response, Herein. ( See uploaded document ) It is clear that the Courts " Do Not '' report to this credit reporting agency or any credit Bureau for that matter : Therefore, their initial response verifying these items with the court was Either an Error or a Lie. 

Either way,, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681 I ). and this information must be deleted immediately.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The name XXXX XXXX XXXX is on my credit report. I am NOT XXXX XXXX XXXX. I have never been XXXX XXXX XXXX and have asked for it to be removed several times but my requests have been ignored. Over the years I have received many calls asking for XXXX XXXX or some other XXXX family member. I don't know anyone by this name and am not sure how it got on 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 explanation
Consumer complaint received 2025-04-26 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:
The name XXXX XXXX XXXX is on my credit report. I am NOT XXXX XXXX XXXX. I have never been XXXX XXXX XXXX and have asked for it to be removed several times but my requests have been ignored. Over the years I have received many calls asking for XXXX XXXX or some other XXXX family member. I don't know anyone by this name and am not sure how it got on 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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Upon reviewing my credit report last week, in XX/XX/XXXX, I discovered that American Express is reporting XXXX late payments XXXX XXXX  days late ) on my account ( # XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I was genuinely shocked to see these entries, as I have always made it a priority to maintain my American Express account in good standing. During this period, I was experiencing significant personal and financial hardship, including medical emergencies and disruptions to my primary checking account due to suspected fraudulent transactions, which may have impacted my ability to make timely payments. Despite these unforeseen circumstances, it was never my intention to miss any payments or neglect my responsibilities. 

I have been a loyal and responsible customer of American Express for years, and these isolated incidents do not reflect my overall payment history or the value I place on my relationship with your institution. I respectfully believe these late marks are not an accurate reflection of my creditworthiness and should be reconsidered.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), furnishers of information are required to ensure maximum possible accuracy in the information they report. Furthermore, under 15 U.S.C. 1681i ( a ), American Express is obligated to conduct a reasonable reinvestigation upon being notified of a dispute regarding any reported information. Continuing to report these late payments without full consideration of the surrounding circumstances and context would constitute willful noncompliance, actionable under FCRA 1681n, as recognized in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

I respectfully request immediate investigation and a goodwill adjustment to remove the late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports. This inaccurate and outdated information is materially harming my ability to obtain critical financing and does not reflect my longstanding payment behavior. 

I kindly ask that this matter be corrected within 15 days to prevent further damages and hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
Transunion equafax XXXX it dont shows anything at all XXXX credit score and empty page

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 2025-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The following debts MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
b'I received 4 American Express gift cards from a previous employer years ago. I have tried and tried and tried to use these gift cards countless times both in person and online at an endless list of merchants. All unsuccessful. Ive checked the balance on the cards which is accurate. However, even though the funds dont expire, the actual gift cards do. \n\nNow Im just days away from the first one expiring and its unacceptable I have been unable to use these funds. I just found this website today, so I have included details of each gift card (4) below: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 explanation
Consumer complaint received 2025-04-26 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:
The following account has an inaccuracy with the first date of delinquency that was reported which shows XX/XX/XXXX. The first date of delinquency shows XX/XX/XXXX and it says no data. This is a violation of my rights and I demand deletion of this account immediately XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
The following account has an inaccuracy with the first date of delinquency that was reported which shows XX/XX/XXXX. The first date of delinquency shows XX/XX/XXXX and it says no data. This is a violation of my rights and I demand deletion of this account immediately 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 2025-04-26 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: MD

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within XXXX  days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 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: DISCOVER BANK
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am respectfully requesting your assistance regarding several potential violations of the Fair Credit Reporting Act ( FCRA ) committed by multiple creditors, which have adversely impacted my credit report.

Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy in the handling of my personal and financial information. Furthermore, pursuant to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing information concerning my accounts without my written authorization.

Additionally, under 15 U.S.C. 1666b, creditors are not permitted to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, provided the payment was received by the due date and in accordance with the terms specified. 

The creditors involved in this matter are as follows : XXXX XXXX ( XXXX ), Discover Bank, 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 

I am disputing the reporting of late payments associated with these accounts, as I believe they may have been inaccurately recorded or improperly reported in violation of my rights under federal law.

I respectfully ask for the CFPBs assistance in investigating these concerns and ensuring that my rights as a consumer are properly upheld. I am prepared to provide any additional documentation or information necessary to assist with your review. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account was closed and Paid as Agreed by the consumer and still reporting to Equifax even after the XXXX year mark at XXXX years this is an violation of FCRA and SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: LA

Complaint narrative:
i disputed inaccurate reporting of an account with experian. i attached a formal dispute letter and screenshots showing the account currently under dispute. experian continues to report false, outdated, and misleading information despite clear evidence and ongoing federal investigation concerns. my dispute is active but experian has delayed properly updating or removing the erroneous account data.

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 2025-04-26 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: MRS BPO, LLC
State: TX

Complaint narrative:
I am writing to dispute the alleged debt you claim I owe and to inform you that I have reason to believe that MRS BPO LLC is not licensed by the Office of Consumer Credit Commissioner ( OCCC ) to collect debt in the state of Texas, as required under Texas state law. In addition, continued collection without proper licensing may violate the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with evidence of your valid OCCC license and documentation establishing your authority to collect debt in Texas. Until such documentation is provided, I demand that you immediately cease all collection activities and remove any negative information related to this alleged debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 
Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary.

Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
My name is XXXX XXXX I paid an account off in full from a company name XXXX XXXX  - ( forever XXXX ), on XX/XX/year>. XXXX XXXX  forward me XXXX letters stating paid in full with a XXXX balance and will update to all three major credit bureaus, XXXX  updated the credit card to XXXX balance as well as XXXX  updated the credit card to XXXX balance, but Experian refuses I have spoken to several managers from the credit bureau Experian who stated the would call me and never did, no one from Experian followed up with me and I totally feel that I am being discriminated against due to my race as an XXXX XXXX XXXX, due to the miscommunication, unfairness and fraudulent update that Experian added to my credit file. Experian updated that I owe XXXX XXXX  XXXX this is FRAUD and I need my credit file updated IMMEDIATELY so I can close on my home loan. I have never experience a major company discriminations when they have the letter from the company XXXX XXXX  - ( XXXX  XXXX XXXX  information ) as well as Experian company refusing to speak to my loan officer and also XXXX XXXX. Please help me file this complaint against Experian Credit Bureau for not updating this paid account to zero, they updated it as if I still owe an amount for XXXX dollars which is FRAUD!. This has ben stressful purchasing my home as a first time home buyer and would never ant anyone else to experience this discrimination. I can be reached at XXXX. I will wait for a reply and thank you. Again I only want Experian to update account to what's legally right per the balance being a XXXX, not XXXX dollars

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 2025-04-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-04-26 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: AL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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