vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-13 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-02-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-13 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: VA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-13 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: CA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Report Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene The Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), As highlighted in the CFPB 's recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary use of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Removal of 30-day late & negative remark XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX  ) account ending in XXXX. 

Re : Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. XXXX, Transunion., XXXX XXXX regarding XXXX XXXX  XXXX XXXX XXXX XXXX ) account ending in XXXX. 

Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX  XXXX XXXX XXXX XXXX ) credit file/report ( XXXX XXXX XXXX, Transunion., XXXX XXXX. 

To whom it XXXX concern, Due to unfortunate events, I mistakenly missed payment for XX/XX/XXXX, regarding my XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX XXXX XXXX. This is the XXXX time this incident has occurred. On XX/XX/XXXX, a 30-day delinquent notification was applied to my account. ( see attached Experian Report- Exhibit A ). The XXXX delinquent notification was reported to all XXXX credit bureaus XXXX, Transunion., XXXX. As a result, my 3-credit scores dropped by XXXX points. 

My account has always been in good standing ( see attached XXXX Report-Exhibit B ). 
Because my account has always been in good standing, as a one-time courtesy and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I would like to request the following : a.Removal of 30-day late & negative remark ( XXXX ) from XXXX XXXX  XXXX XXXX XXXX XXXX ) account ending in XXXX XXXX 

b.Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. XXXX, Transunion., XXXX XXXX regarding XXXX XXXX  XXXX XXXX XXXX XXXX ) account ending XXXX XXXX. 

c.Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX  XXXX XXXX XXXX XXXX ) credit file/report ( XXXX XXXX XXXX, Transunion., XXXX XXXX. 

Hopefully you will be able to extend this one-time courtesy. 

Respectfully 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX XXXX XXXX Consumer Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re XXXX Removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) account XXXX. 

Re : Removal of XXXX late & negative remark ( XXXX ) from credit file/report ( i.e. Experian, XXXX, XXXX XXXX regarding XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX. 

Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX credit file/report ( i.e. Experian, XXXX, XXXX XXXX. 

To whom it XXXX concern, Due to unfortunate events, I mistakenly missed payment for XX/XX/XXXX, regarding my XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX. This is the 1st time this incident has occurred. On XX/XX/XXXX a XXXX delinquent notification was applied to my account. ( see attached Experian Report- Exhibit A ). The XXXX delinquent notification was reported to all XXXX credit bureaus Experian, XXXX, XXXX. As a result, my 3-credit scores dropped by XXXX points. 

My account has always been in good standing ( see attached XXXX Report-Exhibit B ). 
Because my account has always been in good standing, as a one-time courtesy and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I would like to request the following : a.Re : Removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX. 

b.Re : Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. Experian, XXXX, XXXX XXXX regarding XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) account XXXX. 

c.Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX  ( XXXX XXXX XXXX ) account XXXX credit file/report ( i.e. Experian, XXXX, XXXX XXXX. 

Hopefully you will be able to extend this one-time courtesy. 

Respectfully 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re XXXX Removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account XXXX. 

Re : Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. XXXX, Transunion., XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) account XXXX. 

Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX  ( XXXX XXXX XXXX ) account XXXX credit file/report ( i.e. XXXX, Transunion., XXXX XXXX. 

To whom it XXXX concern, Due to unfortunate events, I mistakenly missed payment for XX/XX/XXXX, regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account XXXX. This is the 1st time this incident has occurred. On XX/XX/XXXX a XXXX delinquent notification was applied to my account. ( see attached Experian Report- Exhibit A ). The XXXX delinquent notification was reported to all XXXX credit bureaus XXXX, Transunion., XXXX. As a result, my 3-credit scores dropped by XXXX points. 

My account has always been in good standing ( see attached XXXX XXXX XXXX ). 
Because my account has always been in good standing, as a one-time courtesy and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I would like to request the following : a.Re : Removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) account XXXX. 

b.Re : Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. XXXX, Transunion., XXXX XXXX regarding XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX. 

c.Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX credit file/report ( i.e. XXXX, Transunion., XXXX XXXX. 

Hopefully you will be able to extend this one-time courtesy. 

Respectfully 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 2025-02-13 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: DE

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-13 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: MS

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A XXXX  XXXX card was charged off for XXXX. Resurgent/LVNV is attempting to collect for XXXX. I asked for verification of the debt from one company, they told me they couldn't provide it as it went back to LVNV. I looked on resurgents website, and nothing was there. I called, and they said they can not share my own account information with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had four late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments l 've attached a copy of my report to this complaint on the following dates [ insert date ] ( Always add month and year ) I'm now requesting you Investigate this account and update these payments to paid on time immediately. Thank you for your understanding and Prompt action

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 2025-02-13 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had four late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments l 've attached a copy of my report to this complaint on the following dates [ insert date ] ( Always add month and year ) I'm now requesting you Investigate this account and update these payments to paid on time immediately. Thank you for your understanding and Prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The fraud department answered when I called XXXX weeks ago regarding a charge that was noticed on line and the lady stated that my card was used within the last 30 days to purchase XXXX gift certificartes at a kohls affiliate in Virginia, for {$250.00} each. I indicated that neither I nor my wife have used my Kohls card in over 3 months and neither I nor my wife have been in Virginia in many months. we got a letter from Kohls 2 days ago, XXXX, asking us to make minimum due payment before XXXX. We received NO bill from Kohls. i DONT BELIEVE WE HAVE TO MAKE ANY PAYMENT. I appreciae your lelp. 
XXXX XXXX, Phone : XXXX e mail : XXXX. 
Please note all the store credit cards are in our possession and not missing.

Company response to consumer: Closed with explanation