vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-03-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Cease and Desist Communication Notice To Whom It May Concern : This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ) that I demand XXXX XXXX XXXX cease and desist all communication with me regarding any alleged debt you claim I owe. 

Please be advised that reporting any information to the credit bureaus is considered a form of communication under the FDCPA. Therefore, I also demand that you cease all credit reporting activities related to this alleged debt immediately. 

Under the FDCPA, once a consumer submits a written request to cease communication, a debt collector must comply except to notify the consumer of specific legal action being taken.

Let me be clear : I dispute the validity of any alleged debt you claim I owe.

You are not to contact me by phone, mail, email, or through any credit reporting agency.

Failure to comply with this request may result in legal action against you for violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I recommend that you review your records thoroughly and cease any and all contact with me moving forward.

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 explanation
Consumer complaint received 2025-03-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$370.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$560.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$18000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute through Experian 's online system on XXXX XXXX2025. The Account was an XXXX XXXX account. I was notified on XX/XX/XXXX that the results of the dispute were completed and updated. The account was deleted from my credit report by Experian. The next day, XXXX the XXXX, they updated the account and placed the item back on my credit report. I did not receive clear reasoning as for the item to be placed back onto 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX I opened a account on chase bank, downtown XXXX. On XX/XX/XXXX I deposited a check of XXXX from XXXX XXXX, my employer. On XX/XX/XXXX after cleared the check and the money be available in my account, they restricted my account and hold my funds. They said that they need to verify the check, they only accept call a number from XXXX, because the check was issued in XXXX, where is located the XXXX XXXX services office, but the number that they are calling is the number of the security of the building, and of course the security guard can not verify a check.the don't accept any other phone number or even talk to my supervisor here in XXXX where I'm working. They make me feel like a criminal, a scamer. They closed my account on XX/XX/XXXX and keep holding my funds. They said that if they do not verify the check calling the security guard phone number they are going to hold my funds for 3 years and after that send my money to the State of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
I am requesting your assistance in addressing inaccuracies on my TransUnion credit report. Despite my efforts to dispute the information directly with TransUnion, the inaccuracies remain unresolved. Specifically, an account reported under XXXX XXXX is being inaccurately maintained, and TransUnion has been unable to verify or correct the inconsistencies. They continue to report completed investigation- I'm requesting documentation now or removal of this account. The account is reported as being purchased by another lender, XXXX XXXX XXXX, and is marked as Paid in Full. XXXX XXXX XXXX has informed me that they terminated collections and closed the file ( letter attached ). Conflicting Reporting : Despite these confirmations, TransUnion continues to list this account under XXXX XXXX with inaccurate details. TransUnion has been unable to verify the accuracy of this account, despite multiple disputes. This inconsistency creates confusion and adversely affects my creditworthiness. I have previously submitted disputes regarding this account. However, the disputed, inaccurate information remains on my TransUnion report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, if disputed information can not be verified or is found to be inaccurate, it must be corrected or removed from my credit report. Therefore, I respectfully request that the CFPB investigate this matter and require TransUnion to Remove the inaccurate XXXX XXXX account from 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 2025-03-26 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I was a part of a data breach with XXXX XXXX XXXX XXXX XXXX XXXX i never tried to get a car or credit card during this time these are not my hard inquiries

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 2025-03-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I was a part of a data breach with XXXX XXXX XXXX XXXX XXXX XXXX i never tried to get a car or credit card during this time these are not my hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I was a part of a data breach with XXXX XXXX XXXX XXXX XXXX XXXX i never tried to get a car or credit card during this time these are not my hard inquiries

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 2025-03-26 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a technical issue, but the errors remained. Given this situation, I request a thorough review of the documents I submitted so that I no longer have to worry about this problem.

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 2025-03-26 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: NC

Complaint narrative:
Subject : Urgent Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my credit report without my consent. The following institutions have reported hard inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, and under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Unauthorized hard inquiries negatively impact my credit score and financial standing, and I demand their immediate removal from my credit report. 

As a consumer, I have the right to dispute fraudulent or unauthorized activity on my credit file. I request that you provide proof of my consent for these inquiries or remove them immediately. If you are unable to verify my authorization, I expect confirmation of their removal within 30 days, per federal law. 

I have enclosed a copy of my credit report highlighting the disputed inquiries. Additionally, I request that you provide written confirmation of the outcome of your investigation. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action to protect my credit rights. 

Please address this matter promptly and confirm receipt of this dispute at your earliest convenience. I appreciate your immediate attention to this issue.

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 2025-03-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Urgent Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my credit report without my consent. The following institutions have reported hard inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, and under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Unauthorized hard inquiries negatively impact my credit score and financial standing, and I demand their immediate removal from my credit report. 

As a consumer, I have the right to dispute fraudulent or unauthorized activity on my credit file. I request that you provide proof of my consent for these inquiries or remove them immediately. If you are unable to verify my authorization, I expect confirmation of their removal within 30 days, per federal law. 

I have enclosed a copy of my credit report highlighting the disputed inquiries. Additionally, I request that you provide written confirmation of the outcome of your investigation. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action to protect my credit rights. 

Please address this matter promptly and confirm receipt of this dispute at your earliest convenience. I appreciate your immediate attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-26 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: MI

Complaint narrative:
Reporting false information on my credit report and unauthorized balances that are excessive and harsh and fraudulent for example : XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balanceXXXX XX/XX/XXXX reported balance XXXX XXXXreported balanceXXXX  XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XXXXreported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX

Company response to consumer: Closed with explanation