vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: KEYCORP
State: WA

Complaint narrative:
KeyBank willfully and maliciously destroyed our company. XXXX was a electrical construction company established in XXXX majority owned by a XXXX man. XXXX was experiencing challenging financial times when KeyBank, instead of listening to the plan for repayment and company turnaround, chose instead to destroy. They destroyed not only their own collateral but and in addition, caused millions of dollars of damage to other third parties. This is a case of Banking abuse on a grand scale. KeyBank claims " Teamwork, Respect, Accountability and Integrity '' but nothing could be further from the truth. Their Mission Statement reads : " Key 's mission is to empower its clients, colleagues and communities to thrive. The path to financial wellness starts here. No matter who you are, where you are in your financial journey, or what barriers are ahead of you, KeyBank will help you move forward. '' Nothing but words on paper. KeyBank is not what they claim. A story must be written about this sordid case and others warned about their egregious actions and clearly misguided corporation culture. Their behavior was and is just plain wrong. At the end of the day all any of us have is our integrity. 
Thank you for reading this, XXXX ( XXXX ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: AL

Complaint narrative:
XXXX XXXX Subject : Dispute of Inaccurate Late Payment Report by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute an incorrect late payment entry reported by XXXX XXXX to the credit bureaus for XX/XX/year>. This late payment was due to no fault of my own, as XXXX XXXX XXXX payment processing system failed to properly process my payment. 

I have maintained a strong payment history across all my credit accounts, including this one, and have had XXXX other negative marks on my credit report. The reported late payment is inaccurate and unfairly impacting my credit profile. 

As a fair resolution, I am requesting that XXXX XXXX XXXX correct this error and remove the late payment from my credit report, as it was caused by their processing failure rather than any negligence on my part. 

Please let me know if any additional information is needed to facilitate this correction. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: AL

Complaint narrative:
XXXX XXXX Subject : Dispute of Inaccurate Late Payment Report by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute an incorrect late payment entry reported by XXXX XXXX to the credit bureaus for XX/XX/2025. This late payment was due to no fault of my own, as XXXX XXXX XXXX payment processing system failed to properly process my payment. 

I have maintained a strong payment history across all my credit accounts, including this one, and have had XXXX other negative marks on my credit report. The reported late payment is inaccurate and unfairly impacting my credit profile. 

As a fair resolution, I am requesting that XXXX XXXX XXXX correct this error and remove the late payment from my credit report, as it was caused by their processing failure rather than any negligence on my part. 

Please let me know if any additional information is needed to facilitate this correction. I appreciate your time and assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-03-28 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: AL

Complaint narrative:
XXXX XXXX Subject : Dispute of Inaccurate Late Payment Report by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute an incorrect late payment entry reported by XXXX XXXX to the credit bureaus for XX/XX/year>. This late payment was due to no fault of my own, as XXXX XXXX XXXX payment processing system failed to properly process my payment. 

I have maintained a strong payment history across all my credit accounts, including this one, and have had XXXX other negative marks on my credit report. The reported late payment is inaccurate and unfairly impacting my credit profile. 

As a fair resolution, I am requesting that XXXX XXXX XXXX correct this error and remove the late payment from my credit report, as it was caused by their processing failure rather than any negligence on my part. 

Please let me know if any additional information is needed to facilitate this correction. I appreciate your time and assistance in resolving 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 2025-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ DATA XXXX XXXX Unknown male called regarding an account with a balance that is accruing interest, when it shouldn't. I advised him that I have a XXXX XXXX and literally just got out of the XXXX and this issue was not a priority. He explained that I could/would have penalties, including jail if I didn't setup an agreement to resolve the issue. I informed him again that this was not a priority. He then started to yell, over talk me and make threats regarding my future before hanging up in my face. 

He is also using a Texas number but his office is in Washington.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: SC

Complaint narrative:
I received a copy of my credit report and the following Hard Inquires, Collections, and Charged Off have been sent to all three credit report in companies for Disputes. However, there have not been any resolutions due to stating the account was verified. These inaccurate collections and charge off accounts are as followed : XXXX XXXX {$320.00} Charged off, XXXX  XXXX XX/XX/XXXX, {$770.00} Charged off, XXXX XXXX {$530.00} Collections, XXXX XXXX ( XXXX XXXX ), XX/XX/XXXX, {$2600.00}, Charged off, XXXX XXXX ( XXXX ) {$97.00}, charged off, XXXX XXXX XX/XX/XXXX, Collections, XXXX XXXX, {$1000.00}, personal loan, Charged off, XXXX XXXX, {$520.00}, Credit Card, XXXX XXXX {$700.00} ( XXXX  XXXX originator ), XXXX XXXX XXXXXX/XX/XXXX, {$1600.00}, XXXX XXXX, Collection, XXXXXXXX XXXX XXXX XXXX {$680.00}, collection, SC XXXX XXXX XXXX {$1000.00} Charged off XX/XX/XXXX, {$310.00}, and XXXX XX/XX/XXXX, {$6800.00}. 
The Inaccurate Hard Inquiries are as followed : XXXX XXXX XXXX  XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
By the Fair Credit Report Act, I demand these items be investigate and removed from my credit report. Please remove any item that the creditor can not verity and send correction notices if applicable. 
Signed : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: SC

Complaint narrative:
I received a copy of my credit report and the following Hard Inquires, Collections, and Charged Off have been sent to all three credit report in companies for Disputes. However, there have not been any resolutions due to stating the account was verified. These inaccurate collections and charge off accounts are as followed : XXXX XXXX {$320.00} Charged off, XXXX  XXXX XX/XX/XXXX, {$770.00} Charged off, XXXX XXXX {$530.00} Collections, XXXX XXXX ( XXXX XXXX ), XX/XX/XXXX, {$2600.00}, Charged off, XXXX XXXX ( XXXX ) {$97.00}, charged off, XXXX XXXX XX/XX/XXXX, Collections, XXXX XXXX, {$1000.00}, personal loan, Charged off, XXXX XXXX, {$520.00}, Credit Card, XXXX XXXX {$700.00} ( XXXX  XXXX originator ), XXXX XXXX XXXXXX/XX/XXXX, {$1600.00}, XXXX XXXX, Collection, XXXXXXXX XXXX XXXX XXXX {$680.00}, collection, SC XXXX XXXX XXXX {$1000.00} Charged off XX/XX/XXXX, {$310.00}, and XXXX XX/XX/XXXX, {$6800.00}. 
The Inaccurate Hard Inquiries are as followed : XXXX XXXX XXXX  XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
By the Fair Credit Report Act, I demand these items be investigate and removed from my credit report. Please remove any item that the creditor can not verity and send correction notices if applicable. 
Signed : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
Daily emails from XXXX stating I owe a balance on a debt that has not been validated. The " original creditor '' is another collections agency. They are using phone number spoofing and calling 3-times a day from various phone numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against Upgrade , Inc. regarding two credit card accounts that were closed and then reopened on the same day without my authorization or request. Both accounts have always been in excellent standing with no late or missed payments. 

This action was done entirely on Upgrades end, and I was never informed of the reason. As a result of this internal error, my credit report now reflects two closed accounts, which caused a XXXX drop in my credit score. This negatively impacts my credit profile and financial standing, even though I have been a responsible and loyal customer. 

I have contacted Upgrade directly and requested an explanation and correction, but have only received generic responses and no resolution. I am requesting the following : Immediate removal of the closed status from both accounts on all credit bureau reports. 

Restoration of the accounts ' original open dates and continuity. 

Correction of any negative impact this has caused to my credit score. 

I am also attaching my correspondence and account information showing the accounts were reopened the same day and remain in good standing. This situation is unacceptable and needs to be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts, and I have no knowledge of their origins. In accordance with USC 1681g, I formally ask for their removal within 15 days. Enclosed are the necessary documents for your review. Additionally, incorrect account details are being reported differently across bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I use XXXX to trade stocks, yesterday I deposited {$400.00} and the broker said its available, but it in fact was not so I deposited another {$400.00} to see if it will fix the issue but it didnt. Today i tried again with a smaller amount ( {$200.00} ) hoping that it will go through, but of course it didnt. I filed a dispute with my bank and im going through standard procedure as of now, but they have previously denied claims that were less than {$100.00} for lack of evidence on my end which makes zero sense. Im worried I'm going to lose this {$1000.00} and Wells fargo will deny my claim. 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 monetary relief
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : ** Dispute of Incorrect Charge-Off Reporting XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to my records, this account was closed, and I do not believe it should be reported as a charge-off. 

I kindly request a thorough investigation into this matter. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. If XXXX XXXX XXXX XXXX can not verify the accuracy of this charge-off, I request its immediate removal from my credit report. 

Attached are copies of my credit report reflecting the charge-off, along with any supporting documentation related to the account. I request that you review this dispute promptly and provide a resolution. Please respond in writing regarding the outcome of this dispute. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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 EXPERIAN TRANSUNION 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.

EXPERIAN TRANSUNION 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 2025-03-28 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: NY

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 XXXX 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 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 2025-03-28 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: GA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts, and I have no knowledge of their origins. In accordance with USC 1681g, I formally ask for their removal within 15 days. Enclosed are the necessary documents for your review. Additionally, incorrect account details are being reported differently across bureaus.

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