vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account Dear XXXX XXXX XXXX , I am writing to formally dispute the validity of the collection account referenced in my credit report. The account number associated with this collection is with an amount due of {$570.00}. I request that you provide verification of this debt, as I believe it may not be accurate.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of any debt that you claim I owe. Please provide me with the following information : 1. The name of the original creditor.

2. The amount of the alleged debt ( {$570.00} ).

3. Documentation that proves I am liable for this debt, including a copy of the original contract or agreement.

4. A detailed account of any payments made and the balance due.

Additionally, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). If you are unable to provide the requested verification, I expect this account to be removed from my credit report, as it may be reported inaccurately.

Furthermore, I would like to draw your attention to the laws governing the sale and transfer of debts. Under the FDCPA, particularly 15 U.S.C. 1692i, a debt collector must provide the consumer with information about the original creditor and the details of the account when the debt has been sold or assigned. If this collection was initiated after the sale of the debt, I request proof of the transfer, including the date of the sale and any documentation proving you have the right to collect this debt.

Please respond to this letter within 30 days of receipt. If you fail to provide the requested verification in a timely manner, I will consider this matter resolved in my favor and will escalate my dispute to the credit bureaus.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-03-18 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: MI

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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have never been to college a day in my life. Someone used my information to defraud for return checks. they opened credit cards and bank accounts to receive the refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Credit Sage LLC
State: NV

Complaint narrative:
I was charged {$370.00} from Credit Sage for services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
Ive been trying for months to get Experian, Equifax and TransUnion to remove fraudulent accounts and unauthorized inquiries from my credit report, but they keep refusing, despite multiple dispute letters and supporting documents.

These errors are causing me major stress and financial harmIve been denied credit because of them. The credit bureaus claim they " verified '' the accounts, yet they provide no proof.

Im asking the CFPB to step in and make them : Delete the fraudulent accounts and inquiries immediately. Provide proof of how they verified these items. Ensure they comply with the Fair Credit Reporting Act. I need this resolved ASAP to stop the damage to my credit and peace of mind. 

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
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account Dear XXXX XXXX XXXX , I am writing to formally dispute the validity of the collection account referenced in my credit report. The account number associated with this collection is with an amount due of {$570.00}. I request that you provide verification of this debt, as I believe it may not be accurate. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of any debt that you claim I owe. Please provide me with the following information : 1. The name of the original creditor.

2. The amount of the alleged debt ( {$570.00} ).

3. Documentation that proves I am liable for this debt, including a copy of the original contract or agreement.

4. A detailed account of any payments made and the balance due.

Additionally, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). If you are unable to provide the requested verification, I expect this account to be removed from my credit report, as it may be reported inaccurately.

Furthermore, I would like to draw your attention to the laws governing the sale and transfer of debts. Under the FDCPA, particularly 15 U.S.C. 1692i, a debt collector must provide the consumer with information about the original creditor and the details of the account when the debt has been sold or assigned. If this collection was initiated after the sale of the debt, I request proof of the transfer, including the date of the sale and any documentation proving you have the right to collect this debt.

Please respond to this letter within 30 days of receipt. If you fail to provide the requested verification in a timely manner, I will consider this matter resolved in my favor and will escalate my dispute to the credit bureaus.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Noticed late fees being charged even tho I'm on autopay and would like them refunded. I have talked to the company numerous times and they always push it off that they should have a response in 72 hours. This has been going on for over a month now with no solution. They have been charging me late fees since XXXX of 2024.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account 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.

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 2025-03-18 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: TX

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 explanation
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-18 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: FL

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights.

Below are the details of the disputed account : **Account Name : *XX/XX/XXXX **Account Number : ** XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AZ

Complaint narrative:
LIFE HAS BEEN SUPER DIFFICULT TO DEAL WITH BECAUSE OF MY EXPERIENCE WITH HUMAN TRAFFICKING. I NEED TO GET MYY LIFE BACK IN ORDER. PLEASE HELP ME BY DOING SO BY SEEING ATTACHED SUPPORTING DOCUMENTATION TO FURTHER SUPPORT MY CLAIM UNDER 605C

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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This account must be deleted from my credit report immediately. Not only is the information given to the credit bureau is incorrect, the debt was paid for in full. Ive made few attempts to call and have them remove from my credit report. I also disputed this collection from my credit report. The debt was paid for and the account was closed. Therefore it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: CO

Complaint narrative:
I replied back saying I do not recognize this debt and need more information. They just continue to call and text me without ever providing anything. Additionally each time I request the same information they claim they do not have a record of me requesting it before.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Williams Kastner & Gibbs PLLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX claimed that I owe a debt for non payment of rent in the amount of {$990.00} to The XXXX XXXX XXXX XXXX , and requested that I sign a payment plan to pay it back, and then later claimed to me that the payment wasnt for rent, and it was for the water, sewer, and trash utilities, and that I could request a reasonable accommodation if I verified my XXXX. I contacted my doctor and my doctor verified my XXXX in a doctors letter ; requesting a reasonable accommodation to waive the utility debt so I can have equal opportunity ; XXXX XXXX denied the reasonable accommodation request my doctor prescribed for me, and threatened me with the previous payment plan in my face. I snatched the payment plan from XXXX XXXX and I walked out of her office, and then I was attacked from behind by another employee that works for XXXX XXXX XXXX XXXXXXXX XXXX. I called the police and XXXX XXXX a police officer and fire fighter arrived to the crime scene, and provided me with an ice pack for my back injury. I wanted to move after I was denied my reasonable accommodation request, and I was assaulted I contacted XXXX XXXX my XXXX XXXX XXXX XXXX housing specialist to get help with moving and she, and I completed a notice to vacate form, and she enrolled me into the XXXX program but I been unable to move because of my financial situation ; my SSI income mistakenly deducted from {$940.00} to {$860.00}, and my SSI income didnt adjust back to {$940.00} until after XX/XX/year>. I requested another reasonable accommodation to cancel the acknowledgment letter, and or notice to vacate that I was moving by XX/XX/year>, and I requested a 12 month lease agreement so I can save money to move, and move with the equal opportunity. XXXX XXXX, and XXXX XXXXXXXX XXXX  XXXX denied my reasonable accommodation, and didnt renew my lease for a 12 month lease agreement, and petitioned me to court to show cause for a writ of restitution for not moving out by XX/XX/year>. I requested a reasonable accommodation for the case NO : XXXX to be dismissed because of my XXXX so that I can have equal opportunity

Company response to consumer: Untimely response
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Subject : Request for Block and Deletion of Information Due to Data Breach ( Pursuant to 15 U.S.C. 1681c-2 ( a ) ) To Whom It May Concern, I am writing to formally request that XXXX block and delete all accounts and information associated with my name and Social Security number that have resulted from a data breach, as provided under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ).

I have been a victim of a data breach, and I believe my personal information has been compromised. To protect myself from potential identity theft and fraud, I am requesting that XXXX block and remove any accounts, inquiries, or information related to the breach from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX I understand that XXXX is required to block and delete the information within four business days of receiving this request, as outlined under 15 U.S.C. 1681c-2 ( a ). Please confirm in writing once the requested block and deletion have been completed. 

If you require any additional information to process this request, please contact me at XXXX ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that the requested actions have been taken. 


Sincerely, 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