vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All payments were consistently sent to the same payor each month and were over the expected installment amount due. The account was opened in XXXX of XXXX with a new laptop purchase. I called the XXXX XXXX XXXX XXXX XXXX in early XXXX of XXXX to inquire about a statement and asked for all subsequent statements be sent to me via postal mail. They have not mailed a statement after XXXX. I requested the payment address and my account number and was advised this information was available in my digital wallet through my XXXX. I advised the agent ( and each subsequent agent I have spoken with since ) that I do not have an XXXX or a digital wallet and they declined to provide me with my account number. The asked me to set up electronic payments through their website, however I declined and advised I prefer to send the payments through my bank the way I pay all of my bills. They advised me to write my phone number on the payment and provided the mailing address. The first payment was sent in XX/XX/XXXX and monthly after that. Despite the checks being sent on time, some payments were incorrectly posted as late, and one has not been posted at all. XXXX XXXX reported my account as late in XXXX which subsequently HUGELY impacted my credit report negatively from near/over XXXX to below XXXX! When I sent in XXXX payment inquiry requests for the XXXX separate, {$250.00}. payments XXXX made in XXXX and XXXX made in XXXX. All payments were sent with ample time to clear my bank by the due date have cleared my bank, but were not posted to my account. I was told as long as the payments are received on time, they would be posted to reflect on-time payments. XXXX XXXX incorrectly closed XXXX of the disputes as being found and posted. They informed me of this incorrect resolution via a No-Reply email address telling me they posted the payment on XX/XX/XXXX and to avoid this type of error in the future, I should add my account number to the check. ( Again they refuse to give me my account number citing it is in my digital wallet on my XXXX that I do NOT have. ) I sent XXXX XXXX a letter XXXX XX/XX/XXXX with copies of the all the cleared checks that had been endorsed by the same stamp as well as a final payment check that was cashed on XX/XX/XXXX and not posted to my account as of this date. I am not sure what else to do. I have attached copies of the cleared checks and the letter I sent to them.

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 2025-04-10 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-10 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-10 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: DE

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-10 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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 2025-04-10 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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-10 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: MS

Complaint narrative:
Ive asked several times for validation and original contract and was not provided with either

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 2025-04-10 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: MS

Complaint narrative:
Ive asked several times for validation and original contract and was not provided with either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
DEPT OF EDUCATION / XXXXAccount # XXXX Reported to All Bureaus The account was in federal forbearance under the CARES Act protections. No late payments should be present for these periods.

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 2025-04-10 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: MS

Complaint narrative:
DEPT OF EDUCATION / XXXXAccount # XXXX Reported to All Bureaus The account was in federal forbearance under the CARES Act protections. No late payments should be present for these periods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: WA

Complaint narrative:
Im filling a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: WA

Complaint narrative:
Im filling a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am aware that you previously filed a Warrant in Debt related to this account in XXXX XXXX XXXX which was ultimately dismissed and did not result in a judgment. 

I have reviewed my court records and other records, based on the last known activity on this account, the debt is now beyond the statute of limitations applicable under Virginia/New Jersey law . The alleged debt has exceeded the time limit for legal enforcement, and is therefore time-barred. 

I do not acknowledge or accept responsibility for this debt. Regardless of its validity, you are legally barred from initiating another lawsuit to collect it. Furthermore, any attempt to misrepresent its enforceability or to sue on a time-barred debt would violate the Fair Debt Collection Practices Act ( FDCPA ). 

I am formally requesting that you cease all collection efforts, including phone calls, mailed notices, or other forms of communication. You are also prohibited from selling or transferring this account to another collector without disclosing its time-barred status. 

Should you believe this debt is not time-barred, please provide full documentation of the account, including the date of the last payment or charge, and any relevant contract terms proving otherwise. 

This complaint is being sent in good faith and should serve as formal notice under both federal and Virginia/New Jersey law . I reserve all rights under applicable law and will report any further violations to the New Jersey Attorney General, and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request for Investigation and Removal of Unauthorized Accounts, Inquiries, and Incorrect Addresses under FCRA Dear experian credit bure, I am writing to formally dispute inaccurate and unauthorized information appearing on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Unauthorized Accounts I do not recognize or authorize the following accounts on my credit report. Please investigate and remove them immediately : XXXX, XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. Unauthorized Credit Inquiries The following hard inquiries were not authorized by me. Under FCRA 604 ( a ), these should be removed as I did not provide consent : XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( 2 inquiries XXXX XXXX XXXX XXXX XXXX XXXX 3. Incorrect Addresses The following addresses are inaccurate and do not belong to me. They should be removed immediately per FCRA 609 ( c ) : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 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 have never resided at any of these addresses. 

4. My Personal Information Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX 5. Requested Action In accordance with FCRA 611, I am requesting that you : Conduct a prompt and reasonable investigation Remove all inaccurate, unauthorized, or unverifiable information Provide written confirmation of the outcome within 30 days Send me a corrected copy of my credit report 6. Attached Supporting Documents Copy of my government-issued ID ( e.g., drivers license ) Recent utility bill showing my current address Copy of my Social Security card ( if needed ) Thank you for your attention to this matter. I expect to hear from you within the 30-day time period as required by law. 

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 2025-04-10 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: TX

Complaint narrative:
Subject : Request for Investigation and Removal of Unauthorized Accounts, Inquiries, and Incorrect Addresses under FCRA Dear experian credit bure, I am writing to formally dispute inaccurate and unauthorized information appearing on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Unauthorized Accounts I do not recognize or authorize the following accounts on my credit report. Please investigate and remove them immediately : XXXX, XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. Unauthorized Credit Inquiries The following hard inquiries were not authorized by me. Under FCRA 604 ( a ), these should be removed as I did not provide consent : XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( 2 inquiries XXXX XXXX XXXX XXXX XXXX XXXX 3. Incorrect Addresses The following addresses are inaccurate and do not belong to me. They should be removed immediately per FCRA 609 ( c ) : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 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 have never resided at any of these addresses. 

4. My Personal Information Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX 5. Requested Action In accordance with FCRA 611, I am requesting that you : Conduct a prompt and reasonable investigation Remove all inaccurate, unauthorized, or unverifiable information Provide written confirmation of the outcome within 30 days Send me a corrected copy of my credit report 6. Attached Supporting Documents Copy of my government-issued ID ( e.g., drivers license ) Recent utility bill showing my current address Copy of my Social Security card ( if needed ) Thank you for your attention to this matter. I expect to hear from you within the 30-day time period as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt 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