vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-28 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: MD

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX TRANSUNION 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! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax took action on XXXX accounts in question and deleted the accounts, only to put them back on my account 14 days later. This is either retaliatory actions against further disputes or manipulation of my credit reporting and ability to apply for credit products, which is prosecutable under FCRA and USCC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I transferred XXXX ( XXXX ) from my Coinbase account to my Coinbase Wallet. Using this XXXX, I purchased a cryptocurrency token called " XXXX XXXX. '' While the transaction was marked as successful, I did not receive the purchased " XXXX XXXX '' tokens in my wallet. Additionally, my original XXXX balance has not been refunded or recovered. I can provide transaction details for both the transfer and the purchase if required. 

This is my transaction Transaction 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
My name is XXXXXXXX XXXX XXXX XXXX  SS # ending in XXXX. 

I have a collection account on my credit for {$11000.00} from Central Portfolio Control! This company has violated FDCPA beyond measure and has many XXXX issues. 

First and foremost, I had my ID stolen and used. I have had several online loans taken out in my name that were not mine.

I told this company this! I have filed fraud disputes and nothing has been investigated which is a FCRA violation 1681s-2 ( a ) ( 8 ) ( F ) ( i )!!!!

I requested proof the debt and NOTHING has been issued - Again an FDCPA violation 15 U.S. Code 1692g!!!! 

They have threatened me over the phone to sue me and garnish my wages and CALL MY EMPLOYER if I do not pay!!! 15 U.S. Code 1692e VIOLATION! 

ALL things combined, let 's not forget XXXX. Their business practices are abusive and deceptive! They have been verbally violent with me with threats and have harmed my credit beyond measure reporting this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-28 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: TX

Complaint narrative:
My dispute is based on the grounds of negligence and non-compliance as prescribed under Section 1681 of the Fair Credit Reporting Act.Background : On XX/XX/year>, I encountered a incorrect eviction on my credit report that was a total of XXXX XXXX I filed a dispute and showed emails of the conversation i had with the person and it was still on my report and i have yet to get information about why or what they did on my part to help take it off. As a result of this incident, I havent been able to find a place to stay for me and my XXXX XXXX XXXX XXXX XXXX XXXX. I am United States Veteran and i didnt serve a country to get out and be homeless over failure to follow proper protocols and procedures.Negligence and Non-Compliance comes in when i request proof and evidence and its been almost a year of silence. Request for Resolution : To resolve this matter, I kindly request to please look into and take the eviction from my credit report. Veterans should be treated better than what this country is doing please. I believe this resolution is justified considering the circumstances and the impact on my low credit score now, failure to find a place to stay, and injustice .I look forward to your prompt attention to this matter and a response within 30 days. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted dispute requests requesting investigations into inaccurate information on my credit reports. Neither time did any of the provide sufficient evidence of its validation or verification which should have led to the removal of the accounts from my reports. The credit bureau has failed to protect my consumer rights and I am now submitting this last complaint before seeking claim for its negligence! Please consider this letter as formal notice of my intent to hold you accountable for any damages caused by the continued reporting of inaccurate information. I request a written response within 30 days of receipt of this letter confirming the resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Subject : Request for Removal of Negative Information Under 15 U.S.C. 1681o Dear Sir/Madam, Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I am notifying you of your negligent noncompliance with your obligations that have caused damage to my credit report. Negative items appear on my credit report that have not been properly verified, are inaccurate, or should not be reflected according to current regulations. 

I formally request the immediate removal of the following negative items from my credit profile : XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since the information reported is negatively affecting my credit profile inappropriately, I demand an investigation and the removal of the items listed above. If I do not receive a correction within 30 days, I reserve the right to pursue legal action for noncompliance with the FCRA, including seeking compensation for the damages caused.

Thank you for your prompt attention to this matter, and I look forward to receiving written confirmation of the removal of the listed items. Please feel free to contact me at the provided address or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-28 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: MD

Complaint narrative:
I reviewed my credit report and noticed several accounts that do not belong to me. I sent formal requests to the credit bureaus seeking detailed information about these accounts, as outlined in the attached letters. However, despite waiting for a response, I did not receive the requested information from the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2025-01-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Subject : Request for Removal of Negative Information Under 15 U.S.C. 1681o Dear Sir/Madam, Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I am notifying you of your negligent noncompliance with your obligations that have caused damage to my credit report. Negative items appear on my credit report that have not been properly verified, are inaccurate, or should not be reflected according to current regulations. 

I formally request the immediate removal of the following negative items from my credit profile : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX TransUnion XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since the information reported is negatively affecting my credit profile inappropriately, I demand an investigation and the removal of the items listed above. If I do not receive a correction within 30 days, I reserve the right to pursue legal action for noncompliance with the FCRA, including seeking compensation for the damages caused. 

Thank you for your prompt attention to this matter, and I look forward to receiving written confirmation of the removal of the listed items. Please feel free to contact me at the provided address or email.

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 2025-01-28 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: NY

Complaint narrative:
Subject : Request for Removal of Negative Information Under 15 U.S.C. 1681o Dear Sir/Madam, Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I am notifying you of your negligent noncompliance with your obligations that have caused damage to my credit report. Negative items appear on my credit report that have not been properly verified, are inaccurate, or should not be reflected according to current regulations. 

I formally request the immediate removal of the following negative items from my credit profile : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX [ Creditor or XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XX/XX/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 Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/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 XXXXXXXX Since the information reported is negatively affecting my credit profile inappropriately, I demand an investigation and the removal of the items listed above. If I do not receive a correction within 30 days, I reserve the right to pursue legal action for noncompliance with the FCRA, including seeking compensation for the damages caused. 

Thank you for your prompt attention to this matter, and I look forward to receiving written confirmation of the removal of the listed items. Please feel free to contact me at the provided address or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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