vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: MA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account Experian, XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 
all my other account are updated XXXX XXXX XXXXXXXX, Experian is the only agency reporting late inaccurate payments. 
according to chapter 15 U.S CODE 1681e - compliace procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of multiple unauthorized inquiries from your company that have appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern upon reviewing my recent credit report, which revealed inappropriate, misleading, inaccurate, and incomplete information. The presence of such information is causing considerable inconvenience and harm to my credit, employment opportunities, and rental prospects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern upon reviewing my recent credit report, which revealed inappropriate, misleading, inaccurate, and incomplete information. The presence of such information is causing considerable inconvenience and harm to my credit, employment opportunities, and rental prospects.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the US Dept of Education ( ( XXXX ) XXXX ) just reported that I am deliquent for repayment for a loan dated XX/XX/year>XXXX XXXX XXXXXXXX I have never recieved any bill or any information regarding the amount due for this and my loan was with the XXXX XXXX XXXXXXXX XXXX XXXX and was apid in full. This made my credit score drop by over XXXXXXXX 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 2025-03-04 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by XXXX XXXX and has a balance of {$6200.00} Despite the account remaining on my credit report, I have not received a Form XXXX ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines . 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required XXXX form raises questions about the validity of the debt and compliance with federal regulations.

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 2025-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I currently have a kohls credit card I've had this card for awhile. Apparently capital One now owns it and they closed my card. I've had credit cards with them in the past that were closed and I have been paying them off. But as soon as they took over this card they closed the account. I called them and they said because of past experience I can't ever have any kind of credit card with them. This isn't fair to me I didn't do anything wrong and treat me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I made payment for my truck on XX/XX/year> in the amount {$890.00} and I received email confirmation on XX/XX/year> that received payment since then I have been making the payments on time and they have refused to update my account and allow me online access to my account or change my due date. They have also been charging late fees and have refused to do there diligence to make the corrections to help me get the account in order instead they give me the run around and continue to charge late fees and other unnecessary fees. The sad part is every time I call I am told that my account is up to date and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
SYNCB/PPC is reporting an account I never authorized, which I previously disputed with the credit bureaus. This account is tied to identity theft from the XXXX data breach, which I reported to the FTC and XXXX ( reports attached ). Under 15 U.S.C. 1692g, I requested validation, but they failed to provide proof of a signed agreement, a full payment history, or legal authority to collect. 15 U.S.C. 1681s-2 prohibits reporting unverifiable info, yet this remains on my report. Theyve had more than enough time to fix this but havent. This needs to be removed 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Unverified and inaccurate reportings are showing on my credit profile for accounts that I have no knowledge of and has requested that the proper documents showing valid proof of the best belongs to me and all the companies has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Unverified and inaccurate reportings are showing on my credit profile for accounts that I have no knowledge of and has requested that the proper documents showing valid proof of the best belongs to me and all the companies has failed to do so.

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 2025-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I called Title Max corporate office to request payoff info and was given a break down of payments and fees. I let her know I was recording the call. On XX/XX/XXXX I was told there were fees she could not account for and that it should have been applied to the total. I was told I should owe a total of {$1400.00}. I called the office that took over my loan in AZ and was told I owe over {$3000.00}. I let the rep know I was record the call and the amount I was given by corporate was different. He stated he wasnt sure why there was a discrepancy in total, but stated the previous store that my loan originally came from was closed down due to improper education. He stated he was going to have his district manager reach out to me, but the call never came. His store manager XXXX called and said his supervisor would reach out but that never happened.i went over the fees and XXXX response was why am I only now complaining about fees. I told him that was poor customer service and a shouting match began. He also hung up on me 3 times. My car has been repossessed today XX/XX/XXXX, and I still do not have a phone call explaining the discrepancy in total. Why the money paid wasnt added to the total. I found out today that there was a Resolution complaint department only by calling corporate office. XXXX never offered the resolution team or to submit a ticket. Conversations have been recorded and I can provide them. Worst experience I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MA

Complaint narrative:
Under Massachusetts General Laws Chapter 266, Section 37E, identity fraud is explicitly prohibited. This statute criminalizes the unauthorized use or possession of another individual 's personal identifying information with the intent to defraud, subjecting offenders to penalties including imprisonment for up to 2.5 years, fines up to {$5000.00}, and mandatory restitution to victims for financial losses incurred. 
Massachusetts Legislature In addition to the protections afforded by this statute, I am seeking assistance under the following legal frameworks : Fair Credit Reporting Act ( FCRA ) : This federal law mandates that credit reporting agencies correct fraudulent information on credit reports within a reasonable period, assisting victims in removing inaccurate data. 

Fair and Accurate Credit Transactions Act ( FACTA ) : This act provides consumers the right to request a free credit report annually from each of the three major credit bureausEquifax, XXXX, and TransUnionand dispute any fraudulent information resulting from identity theft. It also allows consumers to place fraud alerts and security freezes on their credit reports to prevent further unauthorized activity. 

Massachusetts Data Security Regulations ( 201 CMR 17.00 ) : These regulations require businesses to implement comprehensive written information security programs to safeguard personal information of Massachusetts residents, aiming to prevent identity theft and related fraud. 
Wikipedia To address this matter effectively, I have taken the following steps : Filed a Police Report : Reported the identity theft to my local police department to document the crime officially. 

Contacted the Federal Trade Commission ( FTC ) : Submitted a detailed complaint to the FTC, which assists in investigating and mitigating identity theft cases. 

Notified Credit Reporting Agencies : Placed fraud alerts and security freezes on my credit reports with Equifax, XXXX, and TransUnion to prevent further unauthorized access. 

Reviewed Credit Reports : Requested and reviewed my credit reports to identify and dispute any fraudulent accounts or transactions. 

Despite these efforts, the repercussions of the identity theft continue to adversely impact my life.

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 2025-03-04 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: CO

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the Following account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, TransUnion consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, TransUnions actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar misconduct. 

I respectfully request that the CFPB take immediate action to ensure TransUnion complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as TransUnion has failed to fulfill its legal obligations. 

Below are the accounts marked as inaccurate : Thank you for your attention to this matter. 
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

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally lodge a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my financial standing and personal life. As a victim of identity theft, I have discovered numerous fraudulent accounts and inaccuracies in my credit reports, which the credit reporting agencies and creditors have failed to address adequately despite my efforts to rectify these issues through proper channels. 

Summary of the Issue : I have been the victim of identity theft, with several fraudulent accounts opened in my name. I have reported these inaccuracies to the respective credit bureausXXXX, Equifax, and Experianas well as to the original creditors, outlining the fraudulent accounts and requesting their removal under the guidelines of the FCRA. Despite these efforts, my disputes have not been resolved satisfactorily, and the fraudulent information continues to adversely affect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by CAPITAL ONE and a balance of {$17000.00} Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-04 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-04 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: LA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never had late payments for the account XXXX XXXX  XXXX - Account number : XXXX. I have proof that there is a discrepancy within the late payments that are being reported. All 3 major bureaus are reporting different/inaccurate amounts of late payments. Truly they should all say XXXX. Please investigate and provide proof with statements showing that the payments were late. If proof can not be provided, I demand the payments be updated to " Pays as Agreed/Never Late '' as they should as I was NEVER late. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation