vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided.

Green v. Portfolio Recovery Assocs. LLC ( 2024 ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect. 

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my personal information to reflect the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Delete the Following Undeliverable Addresses and Aliases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Employers XXXX XXXX  XXXX  Accounts to Be Validated XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - XXXXXXXX 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 XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX  - Auto Financing Companies - XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C . 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I found accounts on my credit report that are not mine.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I made two payments totaling {$520.00} toward my XXXX credit card using a debit card. The payment was processed immediately, and my available credit reflected the payment. However, by the next day, my available credit was reversed. 

On XX/XX/year>, I emailed OneMain Financial Customer Service as follows : Dear OneMain Financial Customer Service, I recently made a payment toward my XXXX credit card using my debit card on Friday, XX/XX/year>. When I checked the same day, my available credit reflected the payment. However, the next day, my available credit was no longer accessible.

Upon calling customer service, I was informed that, due to my account being relatively new, a hold is being placed on my payment until Monday, XX/XX/year>. I was not made aware of this policy at the time of payment, and I would appreciate clarification on why my available credit was reversed despite the payment being processed immediately.

As my payment was made via debit card, and the funds were immediately withdrawn from my bank account, there is no reasonable justification for this extended hold. Under Regulation Z ( 12 CFR 1026.10 ( a ) ), payments must be credited the day they are received unless there is a valid reason for delay. Additionally, if this is an internal policy, it should have been disclosed at the time of payment under 12 CFR 1026.12 ( c ) regarding fair consumer practices.

If there are any options to have this hold removed or reduced, please let me know. If you are unable to assist, I request that this matter be escalated to a supervisor or the appropriate department. Additionally, please provide a response by XX/XX/year>, as this matter is time-sensitive. 

If I do not receive a satisfactory response, I may need to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) for further review.

I appreciate your prompt attention to this issue and look forward to your response.

Despite sending this email, I have not received an appropriate response. however, I did receive a call from their account executive customer service department on XXXX XXXX where I was again informed that a hold was placed possibly due to my new account status, and it would take until XX/XX/year> for the payment to clear. I was never informed of this policy. I also havent received any email receipt stating I actually made a payment. I was informed that no written response would be provided, nor was any real clarification given. 

As of XX/XX/year>, my available credit is- {$37.00}, while my actual balance is {$16.00}, creating further confusion and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-24 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: PA

Complaint narrative:
I am submitting a formal complaint against EQUIFAX regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151. 

XXXX XXXX XXXX XXXX : {$16000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-24 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Wow put service in my name with out authorization or signature of mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2025-03-24 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: Westcreek Financial
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
They were going to foreclose on me but it got reinstated with payment that I made more than two weeks ago after I was sent what amount needed to be paid they then said I had to provide insurance information which I did mind you this is after payment is made and when insurance info was provided they said I need flood insurance I can not get flood insurance they also said even after I made the payment that it would not be reinstated if insurance info was not provided which it was but they changed it after I got insurance and they still have yet to apply my payment it still shows I owe

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: IA

Complaint narrative:
They were going to foreclose on me but it got reinstated with payment that I made more than two weeks ago after I was sent what amount needed to be paid they then said I had to provide insurance information which I did mind you this is after payment is made and when insurance info was provided they said I need flood insurance I can not get flood insurance they also said even after I made the payment that it would not be reinstated if insurance info was not provided which it was but they changed it after I got insurance and they still have yet to apply my payment it still shows I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I filed Bankruptcy on XX/XX/XXXX. My bankruptcy was XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, Firstmark sent letters confirming that all 4 loans had been discharged in the bankruptcy and that I have no further obligation to pay the 4 loans. Further, Firstmark indicated in the letters that they would update my credit report to reflect the loans closed. Attached are those 4 letters. 

In XX/XX/XXXX, I begun to notice my credit score rose from the low 500s to over 665. 

In XXXX, XXXX and XX/XX/XXXX, Firstmark incorrectly began reporting that the 4 loans were past due. 

In XX/XX/XXXX, my credit score began decreasing after Firstmark incorrectly reported that my 4 loans were delinquent. In XX/XX/XXXX, my credit score had decreased to XXXX. 

As a direct result of FirstMarks incorrect reporting on my credit report my score is continuing to decrease. 

In XX/XX/XXXX, I contacted Firstmark and was told that they were not reporting on their end and it was likely XXXX had updated this information since that sometimes happen. 

In XX/XX/XXXX, I filed a dispute with XXXX that Firstmark reported that the 4 loans that had been discharged in my bankruptcy, and confirmed in the attached letters, sent to me by Firstmark, which stated that I had no further obligation to repay those loans. 

However, instead of Firstmark reporting that these 4 loans were closed in bankruptcy, the they duplicated the loans so now it shows I have 8 loans, 4 which are paid and 4 which are delinquent. 

I respectfully request that Firstmark cease from reporting that these loans are delinquent as they were included in the bankruptcy discharge as confirmed in the letters sent by Firstmark that were dated XX/XX/XXXX. 

Per the instructions by XXXX, I have mailed this letter and the 4 letters from Firstmark to XXXX. 

I further request that my credit score revert back to a score prior to Firstmarks incorrect reporting to my credit report in XX/XX/XXXX going forward. 

This has caused me a lot of distress as I have relied on my credit score increasing since it could have a direct affect on my livlihood as an attorney after I pass the bar exam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I called and set up monthly auto draft payments with Barclays bank to be drafted monthly. I was told I need to make a payment of {$150.00} each month and agreed. This was done each month and 11 months into this agreement they reported my account as late payments each month. I called Barclays and was told that the payment should have been {$300.00} each month. I was given wrong information by Barclays and was never contacted by Barclays about my account be delinquent by mail, phone or email. I only found out when suddenly they report me as 11 payments past due. I made the agreed {$150.00} per month payments. Now I have {$1800.00} past due to pay to avoid any more late payment reporting. Below is what I am requesting : I was never late on the account stated above. Please show me documentation of proof showing that the account was paid late each month to show your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report per 15USC 1666B a creditor may not treat a payment on a credit card account as open ended consumer credit plan as late. Please update the payment history as PAANL status, paid as agreed never late.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I

n accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy. 15 U.S Code 1666b ( a ) 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 due date. A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2025-03-25 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I have already filed a previous complaint about this company. They stated that they would be mailing a letter with debt information and have yet to do that. The information that they provided in the previous complaint is not consistent with any account that I have or have previously had. The are not responding to requests to send information regarding this account. The account needs to be removed from my credit report if they are not willing to allow me access to review the information.

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