vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 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 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : Capital One Auto Finance I am a victim of identity theft and I never opened this account.Please remove this inaccurate information from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX  on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX XXXX XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 
Thank you for your time and help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I am reporting multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) concerning a collection account reported by The Bureaus for an alleged debt originally with XXXX XXXX. 
Violations FCRA 609 / 611 Inaccurate & Conflicting Data The account shows different Date Opened and Date Last Active across bureaus ( XX/XX/XXXX vs XX/XX/XXXX, and XX/XX/XXXX vs XX/XX/XXXX ). 
This inconsistency is unacceptable and violates FCRAs mandate for accuracy and consistency. 
FCRA 623 Illegal Re-Aging of Debt The Date Last Active is falsely updated to XX/XX/XXXX on TransUnion, re-aging the account to appear current. 
This is a violation intended to extend the reporting period beyond what is legally allowed.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of Debt The account is labeled as both a Charge-Off and a Collection, which is false and misleading. A third-party collector can not legally report a charge-
off.

FDCPA 809 Failure to Validate Debt The Bureaus has not provided a signed contract, itemized accounting, or proof of ownership of the alleged debt.

FCRA 611 Inadequate Dispute Handling I previously disputed this debt, and the response lacked any original documentation. 
Continued reporting without proper verification is a further FCRA violation.

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 2025-03-21 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-21 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX, XXXX Social Security XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5900.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX, XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$860.00}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$790.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$460.00}, self financial/lead XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$180.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX These accounts 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 # ( XXXX ) as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: OH

Complaint narrative:
Around XX/XX/scrub> 2024 my credit card increased by {$2000.00}. original credit limit {$3000.00} boosted to {$5000.00}. Payments always on time, high credit usage, never negative for a more than week. at most {$400.00} at this time. In XX/XX/scrub> 2024 new years night, a friend gifted me with a credit card pay off. I spoke with the creditor the next morning after the pay off and the representative stated everything is fine and dandy. I did have a falling out with the friend. Next thing i know my account is negative about XXXX or XXXX weeks later due to a reversal of credit. Ive tried disputing this multiple times to no avail. it was originally a temporary reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

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 explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under USC1681 Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account number XXXX has violated my rights 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, states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1861c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information : Any other adverse items of information, other than records of convictions and crimes which antedates the reports by 7years.

15 U.S.C 1681 1s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 explanation
Consumer complaint received 2025-03-21 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: WI

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Inaccurate Experian Late Payment Remarks XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX - Past Due Amount : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-22 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: MD

Complaint narrative:
Dispute of Inaccurate Collection Reporting Request for Deletion From : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Dear CFPB, I am writing to dispute an inaccurate collection reported for the account listed below : Creditor : XXXX XXXX Account Type : Rental Agreement Balance : {$310.00} Status : In Collections Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX This account is incorrectly reported as a collection account on my credit file, and I am requesting its immediate deletion for the following reasons : 1. Inaccurate Reporting of Payments The payment history table suggests that I have made 0 % of payments on time, which may not reflect the actual circumstances or a misreporting error.

2. Violation of FCRA 605 Negative Information Reporting Timeline The account is showing as a collection and should not be reported beyond XX/XX/XXXX, as the first delinquency date was in XX/XX/XXXX, which exceeds the 7-year limit for reporting such information.

3. Violation of FCRA 623 Accuracy of Reporting This collection account is inaccurately reported and can not be verified. Under FCRA 609, I request that XXXX XXXXXXXX or the credit reporting agency provide accurate and up-to-date documentation to substantiate this debt. If no verification is provided, the account must be deleted from my report. 

Please investigate and provide a written response within 30 days. If this information can not be verified, I request the immediate deletion of this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed that an account was not being reported accurately. There have been several late payments on an account that were, in fact, paid on time. Credit reporting agencies must report all information with absolute accuracy. This account has had no late payments. I have attached a copy of my report to support this claim, including the following dates : ( XX/XX/2024, XXXX 2024 and XX/XX/ 2024 ). I request that you investigate this account and update these payments to reflect them as paid on time immediately. I appreciate 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 2025-03-21 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: MD

Complaint narrative:
I am formally disputing an unlawful medical debt currently listed on my consumer credit report by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ). This tradeline is in direct violation of federal law and must be permanently removed. The Consumer Financial Protection Bureau ( CFPB ) has ruled that medical debt can no longer be included on consumer credit reports. As of XX/XX/year>2024, all medical debt is prohibited from appearing on consumer credit reports. The continued presence of this tradeline on my credit report is unlawful and must be deleted immediately. 

Additionally, the debt collector has failed to respond to a Notice I sent regarding a dispute with the debt. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must validate a debt upon request before continuing collection or reporting. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX XXXX a formal written dispute and demand for validation. To date, the company has failed to respond within the required 30-day period, failed to provide proof that this debt is lawful and valid leaving my concerns unaddressed. Continued reporting the debt despite being legally required to cease all collection efforts. Since no validation was provided, this account must be removed under FCRA 1681s-2 ( a ), which prohibits furnishing inaccurate or unverified information.

As credit reporting agencies, you have a legal obligation under FCRA 1681i to remove unverifiable accounts. Since medical debt is no longer reportable under federal law and the debt collector has failed to validate this account, its continued presence on my consumer report constitutes a willful violation of the Fair Credit Reporting Act. Therefore, I demand that this account be permanently deleted from my credit report within 10 days.

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 2025-03-21 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: MD

Complaint narrative:
I am formally disputing an unlawful medical debt currently listed on my consumer credit report by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ). This tradeline is in direct violation of federal law and must be permanently removed. The Consumer Financial Protection Bureau ( CFPB ) has ruled that medical debt can no longer be included on consumer credit reports. As of XX/XX/year>2024, all medical debt is prohibited from appearing on consumer credit reports. The continued presence of this tradeline on my credit report is unlawful and must be deleted immediately. 

Additionally, the debt collector has failed to respond to a Notice I sent regarding a dispute with the debt. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must validate a debt upon request before continuing collection or reporting. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX XXXX a formal written dispute and demand for validation. To date, the company has failed to respond within the required 30-day period, failed to provide proof that this debt is lawful and valid leaving my concerns unaddressed. Continued reporting the debt despite being legally required to cease all collection efforts. Since no validation was provided, this account must be removed under FCRA 1681s-2 ( a ), which prohibits furnishing inaccurate or unverified information.

As credit reporting agencies, you have a legal obligation under FCRA 1681i to remove unverifiable accounts. Since medical debt is no longer reportable under federal law and the debt collector has failed to validate this account, its continued presence on my consumer report constitutes a willful violation of the Fair Credit Reporting Act. Therefore, I demand that this account be permanently deleted from my credit report within 10 days.

Company response to consumer: Closed with explanation