vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: DE

Complaint narrative:
My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 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  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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence.

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my one and only address for the past 20 years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws.

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX 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 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email on my XXXX account from two home service providers, XXXX XXXX XXXX and XXXX XXXX XXXX  to transmit calls over XXXX on subsidized internet plans from the government. I received several emails as part of a class-action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information exposed on the dark web using XXXX and XXXX XXXX software by XXXX XXXX , Minister of Investor XXXX XXXX . These hacks caused unauthorized debt to be posted to my personal line of credit associated with the last four digits of my SSN, which is used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my personal life, and I am requesting that the leading credit bureau XXXX delete reported items due to a violation of privacy laws by the Federal Trade Commission. Additionally, if there may be any criminal record that exists in the XXXX XXXX Government Clerk of Courts system needs to be deleted as it hinders my ability to be gainfully employed and to pursue economic wealth and prosperity in the United States of America. I respectfully request that the state prosecutor review and amend the charges to be expunged, as XXXX XXXX is being misused by public elected officials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My XXXX savings account was locked by the bank without explanation and I can't use my funds. See the details below. 

-- -- -- -Details -- -- -- - In my XXXX by the Goldman XXXX account I have ~ {$770000.00} USD in my savings account. 

On XX/XX/XXXX I transferred ( ACH ) {$660000.00} to my XXXX XXXX account preparing to purchase an apartment in XXXX, CA. This purchase was canceled because of unrelated reason. I transferred the same funds back to the XXXX account. 

On XX/XX/XXXX I transferred ( ACH ) the same amount ( {$660000.00} ) again to the same XXXX XXXX account because I am in the process of purchasing another apartment. 

On XX/XX/XXXX I received the e-mail notice from the Marcus bank asking for addition information, but I missed this e-mail. 

On XX/XX/XXXX I received the e-mail notice of confirmation if my XX/XX/XXXX transaction. 

On XX/XX/XXXX I thought that this transaction went through, but the funds didn't arrive to XXXX XXXX in more than 3 days. 

On XX/XX/XXXX when I called XXXX it turned out that this transaction was reversed on XX/XX/XXXX without notifying me. 

XXXX has locked my account and now since XX/XX/XXXX and I am unable to use my funds now to purchase the apartment. 

I called XXXX every day since XX/XX/XXXX with no result. The bank keeps saying that my account is under review. 

Nobody called me from the Marcus bank to ask about the additional information. 
They just blocked my account and keep delaying and wouldn't unblock it. 

I told them that I would be happy to provide any additional information : XXXX real-estate purchase agreements and title company address and XXXX 's e-mail and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Demand for Debt Validation Notice of Dispute To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt you have reported in my name. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand full validation of this debt, as I have identified discrepancies that require immediate investigation.

Pursuant to : 12 CFR 1006.34 ( c ) You are required to provide detailed, accurate information regarding this debt, including but not limited to the original creditor, itemized breakdown, and validation that the amount claimed is legitimate.

12 CFR 1006.6 ( c ) If you can not validate this debt, you must immediately cease all collection efforts and remove any reporting related to this account.

15 USC 1681e ( b ) It is your legal duty to maintain reasonable procedures to ensure the maximum possible accuracy of any information you furnish to consumer reporting agencies.

15 USC 1681s-2 ( a ) Information furnishers must provide accurate data and correct any errors upon notice of dispute.

Accordingly, I demand that you provide the following documentation within the legally required timeframe : 1. Complete validation of the alleged debt, including a copy of the original signed agreement proving I am liable.

2. A full and detailed payment history from the original creditor to the present, proving the accuracy of the balance claimed.

3. Evidence of ownership and legal right to collectif the debt has been sold, provide proof of chain of custody from the original creditor.

4. Verification that all reporting associated with this account is accurate, including the date of last payment and current status.

If you fail to provide adequate verification of this debt, I demand the immediate removal of this account from all credit bureaus and a formal written confirmation stating that the debt is unverified and will no longer be pursued. 

This is a formal dispute under federal law, and any attempt to continue collection efforts without providing proper validation is a direct violation of my consumer rights and will be met with legal action. 

This letter serves as written notice that all future communication regarding this matter must be done via mail only, and I revoke any prior consent for phone calls or electronic communication. 

Failure to comply with my request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve my right to seek legal remedies for any violations of my rights under the FDCPA and FCRA. 

This is a legally binding request. Please respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
I checked again my credit report and found that some of the data were incorrect. The credit bureau is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX  XXXX XXXX Balance {$1100.00} XXXX  XXXX Balance {$3100.00} XXXX  XXXX Balance {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
A collection from Summit A R was wrongfully added to my credit reports for a company called XXXX. I have never received any prior information regarding an amount or debt owed. The company XXXX sent email or text regarding the return of equipment in which I have replied back that I have returned the equipment and provided a copy of the XXXX XXXX return label.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B ( 15 U.S.C. 1681c-2 ). Multiple unauthorized credit inquiries are being reported on my consumer credit file that I did not authorize, initiate, or apply for. These entries are fraudulent and are the result of identity theft. 

The disputed inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have submitted an official FTC Identity Theft Affidavit ( Report # XXXX ) and am exercising my rights under the FCRA. These inquiries were made without a permissible purpose and do not belong on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B ( 15 U.S.C. 1681c-2 ). Multiple unauthorized credit inquiries are being reported on my consumer credit file that I did not authorize, initiate, or apply for. These entries are fraudulent and are the result of identity theft. 

The disputed inquiries include : XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I have submitted an official FTC Identity Theft Affidavit ( Report # XXXX ) and am exercising my rights under the FCRA. These inquiries were made without a permissible purpose and do not belong on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: AZ

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: KY

Complaint narrative:
Tried reaching out to the XXXX  they refused to speak with me or refund me. 
Falsely & fraudulently were clocking me in & out when I wasnt XXXX XXXX XXXX XXXX XXXX Theyre harassing me from # s demanding i send them payments I dont owe threatening me to sue, etc. 

Privacy Act 1974, as amended 5 U.S.C. 552a.

FERPA violation Higher Education violation My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt.

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 2025-03-27 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: KY

Complaint narrative:
Tried reaching out to the XXXX  they refused to speak with me or refund me. 
Falsely & fraudulently were clocking me in & out when I wasnt XXXX XXXX XXXX XXXX XXXX Theyre harassing me from # s demanding i send them payments I dont owe threatening me to sue, etc.

Privacy Act 1974, as amended 5 U.S.C. 552a. 
FERPA violation Higher Education violation My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt.

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 2025-03-27 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: KY

Complaint narrative:
Tried reaching out to the XXXX  they refused to speak with me or refund me. 
Falsely & fraudulently were clocking me in & out when I wasnt XXXX XXXX XXXX XXXX XXXX  Theyre harassing me from # s demanding i send them payments I dont owe threatening me to sue, etc.

Privacy Act 1974, as amended 5 U.S.C. 552a.

FERPA violation Higher Education violation My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines. The following account ( s ) contain reporting errors that require immediate investigation and correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Issues : Upon reviewing my consumer report, I have identified multiple inaccuracies and non-compliance issues, including but not limited to : Inconsistent Payment History : The payment history reflected on this account is inconsistent and does not follow the correct reporting format. Please verify the accuracy and update accordingly. 

Incorrect Status Code : The account is reporting an inaccurate status code that is not in alignment with the current standing of my account. 

Balance and Date Discrepancies : The reported balance and/or date of last activity are inconsistent with my records. 

Failure to Meet Compliance Standards : If this account has been verified previously, I request the detailed method of verification, as mandated by the FCRA. 

Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation within 30 days and provide verifiable proof that this data is being reported accurately according to Metro 2 standards. If you are unable to verify the accuracy of this information, I demand its immediate deletion from my credit file per federal law. 

Please provide written confirmation of your findings and any actions taken regarding this dispute. If you require further details, I am happy to provide additional supporting documentation. 

I expect a response within the statutory timeframe. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief