vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
I am disputing a fraudulent and inaccurate collection account that has been reported on my credit report by Oliphant USA , LLC. The account, originally from XXXX, was added to my XXXX credit file for {$18000.00}, with an alleged open date of XX/XX/year>. 

This debt does not belong to me, and I have never received any prior notice from Oliphant USA , LLC regarding this collection before it was placed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, Oliphant USA , LLC was required to send me a written validation notice within five days of attempting to collect this debt. They never sent me any notice, which means I was denied my right to dispute and request validation before this account was reported to the credit bureaus. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Oliphant USA , LLC is prohibited from reporting inaccurate or unverified information to the credit bureaus. Since they have failed to validate the debt and placed it on my report without any proper verification or notification, they are in violation of both federal laws. 

I have already disputed this fraudulent account with XXXX and have sent Oliphant USA , LLC a formal written demand for validation. If they can not provide legally sufficient evidence proving that I owe this debt, then they must immediately delete it from my credit file. 

I am requesting that the CFPB investigate Oliphant USA , LLC and enforce compliance with federal laws. They must either provide full legal validation of this debt or remove it from my credit report immediately. 

This fraudulent and unverified collection account is damaging my credit and violating my consumer rights. I demand swift action to correct this unlawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: OK

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: CO

Complaint narrative:
XXXX XXXX with Douglas and Knight, contacted me regarding a subrogation claim. I told her to describe the alleged damages and indicated I did not believe I was responsible. She told me if I didn't pay they might sue me. I then requested documentation, during the same phone call, on XXXX XXXX XXXX I requested it be sent to my email. I received the email documentation the same day. I emailed back that I disputed these charges, explained why, and said that I was seeking legal advice, as I believed that I do not owe the amounts demanded. I asked XXXX to stop contacting me, via email on XX/XX/. I was then contacted again. At which point I again requested they cease contacting me. I was then contacted once more. At this point I informed her I would be filing a complaint and, once again, to cease contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from ( enter bureau names ).

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 2025-02-24 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I purchased an order from XXXX. 

The order is marked as delivered but yet never received. I have a camera system that captures deliveries of items and nothing is showing up on that day that XXXX is marked delivered. 

I have called XXXX several times and I have not been able to speak to anyone past a call center supervisor. I have asked to be transferred to the team that handles disputes, or a supervisor and I was told that they can not transfer me to anyone. 

The item has XXXXXXXX XXXX XXXX as well as XXXX XXXX and both of those are not refundable items and no one at target has been willing or able to refund or send a replacement item to me. 

I purchased these for a birthday gift for my son and yet I am now out the money and out the gift. 

They are not working with me or trying to help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2025-02-24 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute an error on my credit report regarding an account that has been mistakenly mixed with my information. This account does not belong to me and is associated with someone else. It is clear that there has been a mix-up, and I need this incorrect information to be removed from my credit report 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It has come to my attention that my information was exposed possibly between XXXX and XXXX due to a data breach. I have filed a complaint with the FTC which will be included. There are several fraudulent charges to the account which have resulted in added intrest fees and emotional distress and low credit rating. I have contacted XXXX in the past to cancel the account but only received a new credit card number and card. I stopped using the account and card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
XXXX XXXX sent me statements for XXXX year. They took over XXXX  days to supply these statements. Did not supply the original contract, dates of origination, statements from the beginning of the contract, and the first delinquency does not match the dates of delinquency on Experian versus the statements they supplied. I have under 15 USC 1681 BE, you must provide maximum accuracy, and Im taking into consideration that the CFPB is suing you as well. I am also requesting full disclosure of XXXX of my profile as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
They are asking to resolve the account that was closed a few years ago after being compromised due to theft. The bank confirmed that they never contacted anyone, as I do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Money was transferred and never received on my end and when I called to get information I was given the run around. And just loss out on money XXXX dollars in total

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX/Experian/XXXX  ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security card XXXX and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Subject : FORMAL DISPUTE CHARGED-OFF ACCOUNT XXXX I am writing to formally dispute the validity and accuracy of the charged-off account referenced above. Upon reviewing my credit report, I have found significant discrepancies and violations in the reporting of this account, which demand immediate correction and potential legal action should this matter not be resolved. 
1. Verification of Debt & Proof of Ownership As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding full validation of this debt. You must provide the original signed contract bearing my signature, a full payment history, and proof that your company has the legal authority to report and collect this debt. If you can not provide this information, you are legally required to remove this account from my credit report immediately.

2. Reporting Violations & Inaccuracies Your company is reporting this account inaccurately, which is a direct violation of federal laws. I have noticed inconsistent balances, incorrect charge-off dates, and missing or misleading information on my credit file. If this information is not 100 % accurate, complete, and verifiable, you must delete it immediately under the FCRA guidelines.

3. Potential Legal Action for Non-Compliance Failure to comply with federal regulations regarding credit reporting, debt validation, and consumer rights will leave me no choice but to escalate this matter legally. I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Pursue a lawsuit against your company for damages resulting from inaccurate reporting, failure to validate, and violations of my rights under federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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