vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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:
Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ EQUIFAX ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ EQUIFAX ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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:
Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ EQUIFAX ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ EQUIFAX ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IL

Complaint narrative:
They threw credit are reporting false information on my credit report

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 2025-01-05 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: IL

Complaint narrative:
They threw credit are reporting false information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
In continued felony retaliation for my complaining to federal regulators, Marlette Funding wont let me close my account- even though they berated me and screamed at me as a dirty animal because they falsely alleged I was being insolent to the superior XXXX XXXXace ( I never insulted the who XXXX  race- as falsely alleged by racist bank employees ). Nevertheless, because I have been treated like a subhuman dog because Im a person of XXXX - I want to close my account- and Marlette Funding wont let me. Marlette Funding is a XXXX hate group masquerading as a financial services company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX Money was taken out of my account it was XXXX transactions the first transaction was XXXX and the second transaction was XXXX and the thirds transaction was XXXX which has my account in the negative and I immediately contacted chime and report it to them that it was an unauthorized transaction and that it wasnt me and chime open a dispute for me and I was denied because they are saying no error occurred and this is not the first time I keep getting scammed and chime just keep allowing it too happen and they wont give me my money back and I already had a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
Collection companies have inaccurately reported balances for accounts that have been either closed or paid off. Ive reached out to companies with my account numbers requesting for proof to validate the owed debt they say I was responsible for paying to no avail I have not receive proof of a contact agreement between me and these debt companies. Ive also requested that XXXX, Experian and XXXX update and correct my personal information that I am no longer or have not been associated with and that has not happened. Theres is a bunch of false information on my credit report that I am eager to correct.

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 2025-01-05 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:
I did not authorize these inquiries on credit file

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 2025-01-05 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
In XXXX of 2024 i went onto the XXXX website and put in a dispute for the following XXXX Knight Adjustment Bureau on behalf of XXXX XXXX XXXX XXXX XXXX KNight ADjustment Bureau on behalf of XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I wanted to dispute the XXXX XXXX XXXX and the Knight Adjustment BUreau since they were both the same thing And since I was disputing this i also included the Knight adjustment for XXXX XXXX XXXX XXXX since they were all around 4-5 years ago. 
when the dispute came back as it isnt going to change all 3 of these were re aged and they are showing now that we are in collections and have past due bills. XXXX  XXXX XXXX change their name for same reason to XXXX XXXX XXXX. 
THese bills were paid 4-5 years ago and we did take care of them and for them to come back as they are new in collections and we still owe them is not fair and we are wanting this fixed I have pictures attached that shows what it is showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong 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
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ TRANSUNION ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TRANSUNION has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am applying for a mortgage to buy my first home this week. While applying I noticed a " delinquent account '' from XXXX on my credit report totaling {$280.00}. It significantly reduced my credit score and therefore puts my ability to buy a home at risk I briefly had a prepaid account with XXXX in XXXX for one month. I paid upfront and then canceled the account within the month with my payments in good standing. I also have a XXXX account in good standing. I do not recognize the {$280.00} charge, was never notified about it, and believe I never incurred it. 

I spoke at length with multiple XXXX customer service agents across XXXX teams about this charge. None was able to find it in XXXX 's systems or provide any documentation whatsoever about it. I also spoke with the debt collection agency XXXX  XXXX. They also failed to provide any documentation explaining the charge. Despite that, XXXX has refused to revoke its claim or even file a dispute despite multiple requests from me. 

I believe I am the victim of predatory and erroneous billing, with multiple large corporations holding my ability to buy a home hostage with no path to resolution other than paying them a bogus charge that I never incurred and that they can not provide detailed documentation to support. I am requesting urgent CFPB support forcing these corporations to correct their unfair and unethical practices, given their unfair and uncooperative behavior is standing between me and my ability to buy a home. 

My request is if XXXX can not immediately provide detailed documentation justifying why this charge exists despite the fact that I canceled this account with no balance and in good standing, to cancel this " delinquent account '' so that my credit score accurately reflects my credit history instead of XXXX 's predatory billing practices. 

I can be reached any time at XXXX. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am applying for a mortgage to buy my first home this week. While applying I noticed a " delinquent account '' from XXXX on my credit report totaling {$280.00}. It significantly reduced my credit score and therefore puts my ability to buy a home at risk I briefly had a prepaid account with XXXX in XXXX for one month. I paid upfront and then canceled the account within the month with my payments in good standing. I also have a XXXX account in good standing. I do not recognize the {$280.00} charge, was never notified about it, and believe I never incurred it. 

I spoke at length with multiple XXXX customer service agents across XXXX teams about this charge. None was able to find it in XXXX 's systems or provide any documentation whatsoever about it. I also spoke with the debt collection agency XXXX  XXXX. They also failed to provide any documentation explaining the charge. Despite that, XXXX has refused to revoke its claim or even file a dispute despite multiple requests from me. 

I believe I am the victim of predatory and erroneous billing, with multiple large corporations holding my ability to buy a home hostage with no path to resolution other than paying them a bogus charge that I never incurred and that they can not provide detailed documentation to support. I am requesting urgent CFPB support forcing these corporations to correct their unfair and unethical practices, given their unfair and uncooperative behavior is standing between me and my ability to buy a home. 

My request is if XXXX can not immediately provide detailed documentation justifying why this charge exists despite the fact that I canceled this account with no balance and in good standing, to cancel this " delinquent account '' so that my credit score accurately reflects my credit history instead of XXXX 's predatory billing practices. 

I can be reached any time at XXXX. Thank you for your help.

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 2025-01-05 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I just want to change my address for my Lexington law check,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 XXXXXX/XX/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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Collection companies have inaccurately reported balances for accounts that have been either closed or paid off. Ive reached out to companies with my account numbers requesting for proof to validate the owed debt they say I was responsible for paying to no avail I have not receive proof of a contact agreement between me and these debt companies. Ive also requested that TransUnion, XXXX and XXXX update and correct my personal information that I am no longer or have not been associated with and that has not happened. Theres is a bunch of false information on my credit report that I am eager to correct.

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 2025-01-05 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: PA

Complaint narrative:
Collection companies have inaccurately reported balances for accounts that have been either closed or paid off. Ive reached out to companies with my account numbers requesting for proof to validate the owed debt they say I was responsible for paying to no avail I have not receive proof of a contact agreement between me and these debt companies. Ive also requested that XXXX, XXXX and Equifax update and correct my personal information that I am no longer or have not been associated with and that has not happened. Theres is a bunch of false information on my credit report that I am eager to correct.

Company response to consumer: Closed with explanation