vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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. 

XXXXXXXX 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 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 2025-02-22 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: CBC Companies, Inc.
State: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX XXXXXXXX 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 debt collector 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 XXXXXXXX ), 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: ID Analytics, Inc.
State: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX 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 debt collector 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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: SC

Complaint narrative:
Dear Transunion Subject : Formal Dispute of Inaccurate Information on My Credit Report I am writing to formally dispute certain inaccurate information on my credit report, which I believe is adversely affecting my financial well-being. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request a thorough and prompt investigation into these inaccuracies, as required by federal law. 
I wish to draw your attention to a recent legal action initiated by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. The lawsuit highlights serious concerns regarding XXXX  failure to adequately investigate consumer disputes. Specifically, the CFPB cited the following unlawful practices : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinstating previously disputed and incorrect information without appropriate explanation. 
Failing to properly notify consumers of the results of investigations. 
These actions are indicative of systemic deficiencies that undermine consumer protections and contribute to the persistence of erroneous information on credit reports. I am concerned that my dispute may be subject to similar mishandling.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Trusit bank closed my account stating fraud but their was no fraud on my account I asked them to provide information and they did not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX XXXX 
The account appears on my credit report with a balance of {$1700.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at XXXX, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MA

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 2025-02-22 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: PA

Complaint narrative:
ACCORDING TO THE CREDIT REPORTING AGENCIES, A NUMBER OF MY ACCOUNTS HAVE BEEN CHARGED OFF AND SOLD IN XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NEVER RECEIVED A 1099-C FORM FROM ANY OF THEM.

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 2025-02-22 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: PA

Complaint narrative:
ACCORDING TO THE CREDIT REPORTING AGENCIES, A NUMBER OF MY ACCOUNTS HAVE BEEN CHARGED OFF AND SOLD IN XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NEVER RECEIVED A 1099-C FORM FROM ANY OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
There was a credit bureau breach and my information got exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Funding Metrics LLC
State: OR

Complaint narrative:
On XX/XX/year>, Funding Metrics, LLC filed a UCC-1 lien ( Filing Number XXXX ) against my business, XXXX XXXX XXXX XXXX XXXXXXXX. Subsequently, they withdrew {$10000.00} from my business account without authorization. They also misled me into signing a letter to XXXX, which I immediately recanted, yet they proceeded to seize funds and locked my merchant account for two weeks, causing numerous NSF fees and significant financial harm. Despite my efforts to resolve the issue, including offering an alternative payment account and making payments via XXXX, Funding Metrics refused to cooperate and instead imposed aggressive collection methods, leading to an alleged default and additional unjustified fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-22 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: SD

Complaint narrative:
According to Section FCRA 605b, it is illegal to report anything on my credit report and file without my permission. Please remove from my credit reports. No permission or consent was ever given by me. Furthermore, these accounts are charged off and in collections and per 15 USC 1681 - Validation of Debt has been violated. They have not provided the original copy of the debt. That leads into 15 USC 1692 - Unfair Practices. 

Please remove the following accounts : 1 ) Account name XXXX XXXX Account number : XXXX Account type- Credit card Responsibility - Deceased ( Incorrect reporting ) I am not dead. Please remove account. 

2 ) Account name XXXX XXXX XXXX Account numberXXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$2.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 

XXXX ) Account name XXXXXXXX XXXX Account number : XXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance - {$2300.00} Balance updated - XX/XX/XXXX 4 ) Account name XXXX  XXXX Account number : XXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance - {$3600.00} Balance updated - XX/XX/XXXX 5 ) Account name XXXX XXXX XXXX Account number : XXXX Account type - Auto Lease Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$48.00}, XXXX written off. {$48.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance- {$48000.00} Address : ON my report it is listing a fake address I never have lived at or resided at. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( I have never ever resided or lived at a address or in a town of that name ) You have failed to remove it time and time again. 

The credit reporting agency 's failure to investigate, remove and update my credit file has lead to adverse and negative harmful actions in regards to my borrowing and creditworthiness.

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 2025-02-22 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: SD

Complaint narrative:
According to Section FCRA 605b, it is illegal to report anything on my credit report and file without my permission. Please remove from my credit reports. No permission or consent was ever given by me. Furthermore, these accounts are charged off and in collections and per 15 USC 1681 - Validation of Debt has been violated. They have not provided the original copy of the debt. That leads into 15 USC 1692 - Unfair Practices. 

Please remove the following accounts : 1 ) Account name XXXX XXXX Account number : XXXX Account type- Credit card Responsibility - Deceased ( Incorrect reporting ) I am not dead. Please remove account. 

2 ) Account name XXXX XXXX XXXX Account numberXXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$2.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 

XXXX ) Account name XXXXXXXX XXXX Account number : XXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance - {$2300.00} Balance updated - XX/XX/XXXX 4 ) Account name XXXX  XXXX Account number : XXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance - {$3600.00} Balance updated - XX/XX/XXXX 5 ) Account name XXXX XXXX XXXX Account number : XXXX Account type - Auto Lease Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$48.00}, XXXX written off. {$48.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance- {$48000.00} Address : ON my report it is listing a fake address I never have lived at or resided at. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( I have never ever resided or lived at a address or in a town of that name ) You have failed to remove it time and time again. 

The credit reporting agency 's failure to investigate, remove and update my credit file has lead to adverse and negative harmful actions in regards to my borrowing and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Ive been with capital one 7+ years. I lost my job and started paying less that the whole amount. My interest went from 14 % interest to just under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
I have check my credit report and I found out the 3 credit bureau are showing different information, first name last name, addresses, close accounts, balance, negative, different late payment all 3 credit bureau are mismatch and incorrect

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX* Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation