vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Social Security XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score. Despite previous attempts to resolve this matter with the credit bureaus, these inquiries remain on my report. 

The disputed hard inquiries are as follows : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Issue : I did not apply for credit with this company, and I did not authorize this inquiry. 

XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Issue : I have no relationship with this creditor and never consented to this inquiry. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries ) [ 15 U.S. Code 1602p ] Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. Since I did not authorize these inquiries, I request their immediate removal from my credit file. 

I have previously contacted the credit bureaus regarding this matter but have not received a satisfactory resolution. As the Consumer Financial Protection Bureau has taken action against credit bureaus for inadequate dispute handling, I am now escalating my complaint to your office for investigation and enforcement. 

Enclosed are copies of my credit report with the unauthorized inquiries highlighted, as well as any supporting documents. I kindly request that you take action to have these inquiries removed and ensure that the credit bureaus comply with federal regulations. 

Please acknowledge receipt of this dispute and inform me of any further steps required. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Social Security XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score. Despite previous attempts to resolve this matter with the credit bureaus, these inquiries remain on my report. 

The disputed hard inquiries are as follows : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Issue : I did not apply for credit with this company, and I did not authorize this inquiry. 

XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Issue : I have no relationship with this creditor and never consented to this inquiry. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries ) [ 15 U.S. Code 1602p ] Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. Since I did not authorize these inquiries, I request their immediate removal from my credit file. 

I have previously contacted the credit bureaus regarding this matter but have not received a satisfactory resolution. As the Consumer Financial Protection Bureau has taken action against credit bureaus for inadequate dispute handling, I am now escalating my complaint to your office for investigation and enforcement. 

Enclosed are copies of my credit report with the unauthorized inquiries highlighted, as well as any supporting documents. I kindly request that you take action to have these inquiries removed and ensure that the credit bureaus comply with federal regulations. 

Please acknowledge receipt of this dispute and inform me of any further steps required. I appreciate your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-02-26 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: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
Earlier today, I noticed some incorrect accounts on my credit report, and I have no clue how they ended up there. I regularly review my report, but this time, I came across unexplained discrepancies. Hoping it was a glitch, I refreshed my browser, but nothing changed. As a result, I ask that the documents Ive sent be carefully reviewed so that I can have peace of mind moving forward.

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 2025-02-26 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I need to issue a stop payment on a check that was lost by USPS. There should be an easy way to do this through the online portal, but if there is a way to do this online, I can't find it. I have spent 20 minutes on hold each of the past 5 business days trying to get to a representative to find out how to get the stop payment issued and I can never get a person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. 
Spring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXX XXXXXXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after XXXX years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. 
Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
Immediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. 
Written confirmation of the deletions, sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. 
Immediate compliance is expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My credit card was lost, I have been a loyal customer for 27 years and have never been late. I called to cancel the card and get a new one, however navigating their automated system is horrible and somehow my account was accidentally closed. I called today to get my card re opened and they said I would have to re apply. This is. It fair and re applying would have a negative impact on my credit score, I would also loose the 27 years of service on my credit report. This is unfair and Citi bank / Home Depot should make this right.

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 2025-02-26 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:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-26 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: CA

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} 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

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 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX I contacted this agency to inquire about my options for settling the debt owed to them that is over {$1700.00}. 

The agent XXXX XXXX XXXX with XXXX XXXX XXXX did an application and said I was approved to for a settlement option that lessened the amount by XXXX XXXX When I stated to XXXX I would like to choose the settlement option rather than to pay in full she asked why I am unable to pay in full I advised and gave her full details as to why my other bills and obligations would prevent me from being able to pay the full amount XXXX then began to speak to me very rude and stated I was lying about the amount of money I was going to have to be able to pay this debt in full, I told her the exact amount of all my bills due at the same time, XXXX then cut me off and transferred me to another agent without notice and the agent was verbally abusive and would not let me speak and stated settlement is NOT and option and paying in full is my only option even when agent XXXX had told me not even XXXX minutes prior that there IS. A settlement option available for me The second agent then throwing out that I need to borrow money from family or from my ex boyfriend to be able to make the payment then hung up on me and advise they will not help me with a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief