vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've had access to my Experian consumer report via XXXX for many many years but back in XXXX of XXXX, I spoke with a manager of the company, regarding an unverifiable public records account that is being reported on my Experian credit report. In response to the phone conversation, I was immediately denied online access to my experian credit report at XXXX. The report is also not available by way of XXXX, nor via IdentityIQ and has not been for more than a year now. I have attempted to regain access by several times by calling and speaking w/Experian and also by re-registering multiple times. All to no avail. On XX/XX/XXXX, I sent a letter in writing along with proof of identity ( both copies are attached ) to the company requesting that they reinstate my online access but have not heard back ( see attachments ). To-date, I am still unable to view, maintain, nor access my experian credit report from any online/3rd party resource. Who holds these agencies accountable when treatment to the consumer is unfair, unjust, and inequitable?

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 2025-03-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: OK

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TN

Complaint narrative:
Ive performed and investigated my credit report and found several items to be inaccurate. 
I have a closed account for an Auto Loan that has inaccurately been reported and have attempted several times to dispute this with ALLY FINANCIAL for XXXX LATE PAYMENTS in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have submitted my bank statements showing on time and EARLY payments to this Auto Loan. 
My vehicle payments were reimbursed by the manufacturer and agreed to pay the remaining balance to Lemon Law in XXXX of XXXX. The manufacturer failed to pay the remaining balance of my auto loan on time after I returned the vehicle to them on time. 

Please see my attached documents as proof from XXXX XXXX showing on time and early payments for these dates, and a letter from the manufacturer agreeing to buy back the vehicle. 
I have requested payments financial statements from XXXX XXXX  to compare the accurate information, and their statements prove my dispute is accurate and early. Their own statements show on time and early payments and have not agreed to accurately change the reporting as on time or earlier. 

I have disputed this information with all XXXX credit bureaus several times and have been unsuccessful in the changes being made in my credit file. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the following information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general. If any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately. 
XXXX XXXX : LATE PAYMENTS = XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

From my EXPERIAN, TRANSUNION and EQUIFAX credit report 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 2025-03-05 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: TN

Complaint narrative:
Ive performed and investigated my credit report and found several items to be inaccurate. 
I have a closed account for an Auto Loan that has inaccurately been reported and have attempted several times to dispute this with ALLY FINANCIAL for XXXX LATE PAYMENTS in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have submitted my bank statements showing on time and EARLY payments to this Auto Loan. 
My vehicle payments were reimbursed by the manufacturer and agreed to pay the remaining balance to Lemon Law in XXXX of XXXX. The manufacturer failed to pay the remaining balance of my auto loan on time after I returned the vehicle to them on time. 

Please see my attached documents as proof from XXXX XXXX showing on time and early payments for these dates, and a letter from the manufacturer agreeing to buy back the vehicle. 
I have requested payments financial statements from XXXX XXXX  to compare the accurate information, and their statements prove my dispute is accurate and early. Their own statements show on time and early payments and have not agreed to accurately change the reporting as on time or earlier. 

I have disputed this information with all XXXX credit bureaus several times and have been unsuccessful in the changes being made in my credit file. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the following information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general. If any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately. 
XXXX XXXX : LATE PAYMENTS = XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

From my EXPERIAN, TRANSUNION and EQUIFAX credit report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX credit card that was used fraudulently for some transactions, i filed a claim and XXXX XXXX agreed that the transactions where fraudulent nonetheless, i paid for these transactions and XXXX XXXX refused to give me credit for these transactions. I am now looking to file a lawsuit against XXXX XXXX for this matter as my card was used without my permission in multiple other states due to this disagreement my XXXX XXXX credit card had minimal credit reversals or charges that where reversed and considered late payments and reported on my credit this is utter nonsense and has brought both emotional and economical distress and damages please help rectify this issue and remove this late payment as it was never late and caused by fraudulent activity on my card.

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 2025-03-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX credit card that was used fraudulently for some transactions, i filed a claim and XXXX XXXX agreed that the transactions where fraudulent nonetheless, i paid for these transactions and XXXX XXXX refused to give me credit for these transactions. I am now looking to file a lawsuit against XXXX XXXX for this matter as my card was used without my permission in multiple other states due to this disagreement my XXXX XXXX credit card had minimal credit reversals or charges that where reversed and considered late payments and reported on my credit this is utter nonsense and has brought both emotional and economical distress and damages please help rectify this issue and remove this late payment as it was never late and caused by fraudulent activity on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a {$300.00} Vanilla Visa gift card on XX/XX/XXXX. When I tried to activate it, I got an error, and the card was declined. I contacted customer service, who said the card was on hold and requested photos of the card, receipt, and ID. I provided everything, but they kept asking for more documents. On XX/XX/XXXX, their website said my case was resolved, but the card still didnt work. Later, they claimed a replacement was sent on XX/XX/XXXX ( XXXX business days ). As of XXXX, no card arrived. A supervisor then admitted no card was ever sent and told me to restart the process. After months of delays, false claims, and conflicting answers, they are now blaming XXXX and refusing to help. I want my funds restored or a full refund. 

Attached are documents that were requested by Incomm during the process. The documents were sent several times at the request of various representatives and supervisors/managers and multiple representatives and supervisors/managers confirmed they were received. Also attached are screenshots of the case status from the companys website, as well as the receipt from XXXX XXXX confirming the purchase and the packaging that came with the gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-03-05 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: PA

Complaint narrative:
My account with XXXX 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 in to be removed. 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 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! Delete 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 explanation
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
My account with XXXX 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 in to be removed. 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 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! Delete 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 2025-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-05 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-05 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: NY

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. 

Account name : XXXX XXXX Account number : 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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a Business Checking account in American Express. On the XXXX I made a transfer from American Express App of {$200.00} from my personal account in XXXX XXXX. Then on XX/XX/XXXX I made another transfer of {$200.00} from the same account. On XX/XX/XXXX and XXXX I paid my amex credit card with the {$400.00} I have in my amex account from the transfers. But on XX/XX/XXXX I received a email from American Express that I have a negative balance. So I check my account and it says that XXXX transfer was returned ( later the bank told me that was the one from XX/XX/XXXX ). But that money never return my personal account or neither the amex account. 

Since that day I call the both banks and my money is missing. American Express says it was rejected from XXXX XXXX because insufficient funds, but XXXX XXXX says it never was rejected and that I did have funds in those days. But nobody find a solution for my money and I still missing {$200.00}. 

The last time I make a conference with both banks but they keep saying the same and that it's not their problem but the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
This complaint will include an FTC report containing 5 fraudulent accounts as well as multiple fraudulent inquiries to be blocked in accordance too FCRA 605B 4 day block in hopes that Transunion, Experian and Equifax will honor the FCRA rules as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting Dear First Bank Puerto Rico, I am writing to formally dispute the inaccurate reporting of late payments on my account that appear on my credit reports from XXXX, XXXX, and XXXX. After reviewing my credit report, I noticed that your institution has reported late payments that I believe to be incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate, complete, and verifiable. I kindly request that you verify the accuracy of these late payments and, if they can not be confirmed as correct, promptly remove them from my credit report. 

I request written confirmation once the verification is completed and the necessary corrections have been made. If you require any additional information, please contact me at the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation