vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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


I demand the late payment to be updated. 


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


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


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

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

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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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


I demand the late payment to be updated. 


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


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


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


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


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-18 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-18 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year>2024 -- {$210.00}

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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Ph : XXXX XXXX/XXXX/2025 XXXX XXXX XXXX, LVNV Funding LLC, and XXXX  XXXX XXXX XXXX XXXX XXXX address : XXXX, Ma XXXX LVNV funding LLC address : XXXX, Sc XXXX XXXX XXXX XXXX address : XXXX, Mn XXXX Re : Request for Debt Validation, Assignment Contract, and Cease and Desist Dear Debt Collection Agency, I am writing in response to your recent communication regarding the debt you claim I owe, referenced by [ XXXX, XXXX, XXXX ]. Please consider this letter as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), as well as a cease and desist request. 

Debt Validation Request Under the FDCPA, I have the right to request verification of the debt. Therefore, I request the following documentation to verify your claim : XXXX. A copy of the original signed contract or agreement that shows I am legally obligated for the debt. 
XXXX. The assignment contract or any other legal documentation that proves your company has been assigned the legal right to collect this debt. This should include the full assignment history, detailing all transfers or sales of the debt, along with dates. 
XXXX. An itemized statement of the debt, showing the original amount owed, any interest or fees added, and any payments made to date. 
Please note that I am requesting these documents so I can properly verify the debt and your right to collect it. Until these documents are provided, you are required by law to cease all collection activities and refrain from reporting this debt to credit agencies. 
Cease and Desist Request Additionally, under the FDCPA, I am requesting that you cease all further communications regarding this debt until you can provide the requested validation. This includes telephone calls, letters, and any other form of contact. If you fail to comply with this request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 
If you continue with collection activities without proper validation or persist in contacting me after this request, I will take further action to protect my rights. 
Please ensure that all communications from your office cease immediately unless you provide the requested debt validation. If you do not respond within 30 days with the necessary validation documents, I will consider the debt invalid, and you will be required to cease all collection activities. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
MY STATEMENT FOR XXXX SHOWED A BILL OF {$1200.00} AND CHANGE BANK OF AMERICA TOOK {$6200.00} AND CHANGE I CALLED XXXX # TALKED TO A LADY ABOUT IT SHE SAID OH YES I SEE WHERE WE TOOK AN EXTRA {$5000.00} I WILL GET THAT CORRECTED.I GET MY STATEMENT FOR FEBURARY AND IT SHOWS A CREDIT OF {$3000.00} AND CHANGE I CALL AGAIN I TELL THE MAN I TALKED TO JUST KEEP THE MONEY MY CHECK REGISTRY LOOKS LIKE XXXX TRYING TO GET THE AMOUNTS CORRECT HE SAYS OK I GET AN EMAIL @ THE END OF XXXX STATING THEY RETURNED THE {$5000.00} BACK TO MY CHECKING AND I NOW AM XXXX PAYMENTS BEHIND AND CARD IS LOCKED FROM USE AFTER MANY CALLS I FINAL GET SOMEONE THAT SAYS I CAN MAKE A {$50.00} PAYMENT ON THE PHONE AND WHEN CLEARED I WILL REGAIN USE OF IT SO I MAKE PAYMENT.XXXX  XXXX I GET LETTER STATING MY LINE OF CREDIT IS REDUCED DUE TO LATE PAYMENTS WHEN IN FACT LAST XXXX STATEMENTS SHOWED A CREDIT.THEY SENT LETTER TO CREDIT BUREAU STATING XXXX LATE PAYMENT AND I CALLED AGAIN WHEN I TALKED TO THEM AGAIN THEY ASKED WHY THEY SAY IM XXXX PAYMENT BEHIND THEY { XXXX } WHEN THEY WERE THE ONES SHOWING {$5000.00} AND {$3000.00} DOLLAR CREDIT MEANING THE MONEY WASNT RETURNED TO MY CHECKING ACCOUNT YET HOW COULD I BE XXXX PAYMENTS LATE AND WHY DID THEY SEND REPORTS TO CREDIT BUREAU STATING SUCH AND THERES NOTHING HE CAN DO TOLD HIM I WANTED TO TALK TO A XXXX HE SAID THERE WASNT ONE THERE BUT UI SHOULD HEAR IN A DAY OR TWO FROM HIM I HAVE MADE MORE PHONE CALLS THAN THE ONES I MENTIONED IN ALL ABOUT 12 TO 14 AND STILL PAYING FOR THERE MISTAKE ALSO WHEN I TALKED TO A LADY BEFORE XXXX SHE SAID THAT WHEN I AUTHORIZED THEM FOR THE {$50.00} DOLLAR PAYMENT THAT THEY TOOK ANOTHER {$5000.00} OUT FOR THAT I STILL WAITING ON BANK STATEMENT TO SEE IF THATS TRUE

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 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a XXXX  XXXX  to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : FRAUDULANT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} FRAUDULENT INQUIRES : XXXX XXXX/XXXX/25, XXXX XXXX XXXX XXXX/25XXXX/25, XX/XX/XXXX25, XX/XX/XXXX25, XX/XX/XXXX25, XXXX/XXXX/25 XXXX  XXXX  XXXX/XXXX/25

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 2025-03-18 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of an item ( or items ) on my credit report as provided by your agency under the standards established by theFair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ]. I believe this/these item ( s ) is/are inaccurate or incomplete and must be investigated and corrected in a timely manner. Per the FCRA, I am entitled to an investigation into this matter, and inaccuracies must be corrected or removed if they can not be verified within 30 days of receipt of this letter. 
It is important to note that consumer credit data has become increasingly vulnerable in recent years due to significant data breaches involving credit reporting agencies. As you are aware : XXXX. Equifax : In XXXX, Equifax suffered XXXX of the largest U.S. data breaches in history, exposing the personal information of approximately XXXX XXXX consumers. Hackers accessed sensitive data such as Social Security numbers, addresses, and dates of birth. 
XXXX. Experian : While not as widely publicized, Experian has also been involved in multiple security incidents, such as the breach in XXXX that exposed personal information of XXXX XXXX individuals in connection with a XXXX  data breach. 
XXXX. TransUnion : TransUnion has also faced scrutiny and lawsuits for data security issues, including manipulation of credit files and breach incidents involving unauthorized access to sensitive consumer data. 
Given the data breaches that have exposed consumer information, it is even more critical that the accuracy of information reported be thoroughly vetted and corrected where necessary. 
Additionally, I am requesting that you provide me with a full investigation and validation of this/these disputed account ( s ) and a report of your findings. Pursuant to the FCRA, you are required to notify me of the results of your investigation within XXXX calendar days and provide me updates to my credit report should any inaccuracies have been found and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of an item ( or items ) on my credit report as provided by your agency under the standards established by theFair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ]. I believe this/these item ( s ) is/are inaccurate or incomplete and must be investigated and corrected in a timely manner. Per the FCRA, I am entitled to an investigation into this matter, and inaccuracies must be corrected or removed if they can not be verified within 30 days of receipt of this letter. 
It is important to note that consumer credit data has become increasingly vulnerable in recent years due to significant data breaches involving credit reporting agencies. As you are aware : XXXX. Equifax : In XXXX, Equifax suffered XXXX of the largest U.S. data breaches in history, exposing the personal information of approximately XXXX XXXX consumers. Hackers accessed sensitive data such as Social Security numbers, addresses, and dates of birth. 
XXXX. Experian : While not as widely publicized, Experian has also been involved in multiple security incidents, such as the breach in XXXX that exposed personal information of XXXX XXXX individuals in connection with a XXXX  data breach. 
XXXX. TransUnion : TransUnion has also faced scrutiny and lawsuits for data security issues, including manipulation of credit files and breach incidents involving unauthorized access to sensitive consumer data. 
Given the data breaches that have exposed consumer information, it is even more critical that the accuracy of information reported be thoroughly vetted and corrected where necessary. 
Additionally, I am requesting that you provide me with a full investigation and validation of this/these disputed account ( s ) and a report of your findings. Pursuant to the FCRA, you are required to notify me of the results of your investigation within XXXX calendar days and provide me updates to my credit report should any inaccuracies have been found and corrected.

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 2025-03-18 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On my XX/XX/XXXX US Bank XXXX XXXX Visa card Statement, I notice XXXX unauthorized fraudulent charges made totaling {$18000.00}. 
I immediately called the Bank to initiate a " Dispute ''. They said it takes about a month to resolve it? On my XX/XX/XXXX Statement I noticed on XXXX all XXXX fraudulent charges were recharged. I called US Bank again they said they would reopen the " Dispute ''. On XX/XX/XXXX XXXX XXXX sent me a letter saying " previous decision remains unchanged '' denying my claim. I called in again and asked who might this " fraudulent person '' be? 
She said someone named " XXXX XXXX '' called US Bank & requested a New Visa card mailed to a California address, not my XXXX, AZ address. 
Then called in again on XXXX XXXX, XXXX asking if the Card can be used? 
XXXX XXXX for One week, there were XXXX fraudulent charges totaling {$18000.00} made " in person '' in California cities XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I set up " Fraud alerts '' by text & email, but never got any from US Bank. I made {$180.00} + {$540.00} interest only payments. including more payments due? What do I do now?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief