vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX ). 

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 XXXX 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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, I came across incorrect accounts on my credit report and have no idea how they appeared. I check my credit report regularly, but this time, I noticed discrepancies that werent there before. Thinking it might be a browser issue, I refreshed the page, but the errors remained. Because of this, I kindly ask for a careful review of my submitted documents to ensure I no longer have to deal with this concern.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
BMO bank : i closed personal accounts and was informed they opened a credit card in my name. I have never received nor used this card. I attempted to close this card but have no info on it. Closing this unauthorized credit line will damage my credit.

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management , Inc . 




Dear Compliance Department, I am writing in response to your letter regarding the above-referenced account. While I acknowledge your response, I continue to dispute the validity of this debt and request further verification. 

Your letter states that the original creditor charged off the debt and sold it to a third party. However, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting substantive documentation that fully validates your legal authority to collect this debt. The documents provided thus far do not meet the burden of proof required to demonstrate that I am liable for this debt. Therefore, I request the following : 1. Proof of Ownership A complete and unbroken chain of title from the original creditor to your company, including all purchase agreements and transfer documents.

2. Original Contract A copy of the signed agreement that establishes my obligation to the original creditor.

3. Complete Payment History A detailed accounting of all charges, payments, and credits applied to the account, from origination to the present. 
4. Credit Reporting Status Written confirmation of whether this account has been reported to any credit bureaus and, if so, the details of such reporting. 
Additionally, your letter states that the account will remain marked as Cease and Desist. However, if this account is being reported to credit bureaus, I request that you cease all credit reporting until the debt is fully validated in accordance with my legal rights. Reporting unverifiable information to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

If you can not provide the requested documentation, I formally request that this account be removed from my credit report and that you cease all further collection efforts. I also reserve the right to file additional disputes with the CFPB and other relevant agencies if necessary. 

Please provide a response within 30 days of receipt of this letter. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I have submitted disputes regarding inaccuracies on my credit report, but they are not being investigated or resolved fairly. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers are required to conduct a reasonable investigation and correct any errors. If my disputes continue to be mishandled, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to ensure my rights are upheld.

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 2025-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TFC Credit Corporation of California
State: FL

Complaint narrative:
, my name is XXXX XXXX, and I am reaching out regarding an issue with my XXXX credit report. There is an account listed under XXXX, affiliated with XXXXXXXX XXXX XXXXXXXX XXXX, that was fraudulently opened in my name. The original creditor, XXXXXXXX XXXX XXXXXXXX, has already disputed this account, acknowledged that it was fraudulent, and removed it from my credit report. Despite this, the account is still showing on my credit report under XXXX. I have made multiple attempts to resolve this directly with XXXX, but the issue remains unresolved. I first contacted XXXX and spoke with a supervisor named XXXX. During our conversation, I informed him that the account had been disputed and removed by the original creditor due to fraud. However, he was dismissive of the situation, stating that they would initiate another dispute. This is not acceptable, as the account should have been removed promptly after the fraud was confirmed. I also reached out to XXXX, who confirmed that XXXXXXXX XXXX XXXXXXXX had indeed removed the account after confirming it was fraudulent. Despite this, the fraudulent account remains on my credit report, negatively impacting my credit score. I need this account removed from my credit report immediately. I have already followed the proper channels, and this issue has gone on far too long without resolution. I am requesting that XXXX take immediate action and remove this fraudulent account from my credit report today. If this matter is not resolved promptly, I will have no choice but to consider legal action to ensure my rights are protected. This situation is completely unacceptable, and I expect it to be handled with urgency. Thank you for your immediate attention to this matter. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: MI

Complaint narrative:
They didnt mention the terms and conditions and they took money out of my account, it was XXXX dollars that they took out of my account and I never seen it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
This account was charged off on the following date ( XXXX, XXXX ) Since then the account was repeatedly updated as charged off multiple times in the year XXXX. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations and makes the date of delinquency appear more recent than it is. I am demanding a deletion of the following account from my credit profile : CITI CARDS/CITIBANK 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 2025-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX account was closed Im not sure of why I had fraud on my account that I reported and never was refunded this was XX/XX/scrub> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I XXXX XXXX am a victim of identity theft. I have contacted the company and requested deletion of this fraudulent account and inquiries listed in this FTC identity theft report. These accounts need to be deleted from my credit report permanently and marked as identity theft to prevent further reporting of these fraudulent items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-01-29 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: TX

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts have been reported inaccurately, and I request their removal from my credit file : XXXX  XXXX Pro Collect XXXX XXXX I am requesting an immediate investigation into these accounts, as they appear to be erroneous and/or unverifiable. In accordance with the FCRA, if the disputed items can not be verified within 30 days, they must be deleted from my credit report. 

Please provide me with written confirmation of your investigation and the resulting actions. If these accounts are verified, I request documentation proving their validity, including the original creditor information, signed agreements, and a complete payment history. 

Thank you for your prompt attention to this matter. Please update me with the results of your investigation at the address listed above. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
An unknown individual tried to obtain a credit card from TD Bank using my personal information. Fraudulently trying to obtain a credit card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
This is a Company called Lexus Nexus in The USA they are a middleman to any accidents.

I was living with my father and was temporarily on his car insurance both our names listed XXXX XXXX. I moved to another state and my father got into a car accident. 
they reported my name and his even though I wasn't there because I was on his policy. 
I contacted Nexus Lexus and they said they found error and would remove me to wait for paperwork XXXX days!. I received paperwork and they used wording " Unverifiable '' and its still on my record. I have lost my Job and cant drive because my rates are high for an accident I wasn't in. this should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX, {$56.00} was charged to my capital one credit card across XXXX transactions from the merchant showing as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

A quick XXXX search indicated this was a mobile app which I have never installed, and I do not share my credit card with any other people or devices. In early On XX/XX/XXXX, I reported the unauthorized charges to Capital one. The same day, they denied my claim on the basis of a matching IP address for another transaction. I was travelling at this time and purchased public wifi to use, so I would have shared the public IP Address with many people. 

On XX/XX/XXXX, I submitted additional documentation evidencing my public wifi purchase, and a history of all my purchases and downloads from the XXXX  app store, which showed that this app was never purchased or installed on any of my devices. 

I received no communication that these additional documents were ever looked at. When I recently called to ask for an update, I was told I had no further recourse. I spoke with a supervisor ( employee number XXXX ) who would not provide me the actual IP address or other 'confirmed " transaction used in the decision. I still assert these charges are 100 % unauthorized and Capital One will not provide any evidence to me to substantiate their ruling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Request for Removal of Fraudulent Information from Credit Report To Whom It May Concern, I hope this message finds you well. I am writing to formally request the removal of certain items from my credit report due to identity theft. My name is XXXX XXXX, and I have been a victim of fraudulent activity, with the charges in question not having been made by me. I have reported this incident to the Federal Trade Commission ( FTC ), and I am submitting a copy of the FTC Identity Theft Affidavit for your review and records. In light of this, I kindly request that the fraudulent items be removed from my credit report promptly. I appreciate your attention to this matter and trust that it will be resolved in a timely manner. Please do not hesitate to contact me should you require any further information or documentation. Thank you for your understanding and cooperation. Sincerely, XXXX XXXX Credit Card Opened by the 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 2025-01-29 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: LA

Complaint narrative:
I recently became aware of the lawsuit against Experian and believe that I have been negatively impacted. After disputing certain accounts on my credit report, I received a response from Experian stating that the accounts were verified. This has harmed my ability to secure credit. 

If Experian can not provide the necessary documentation or proof to support these accounts, they should not be permitted to report them on my credit report. 

Thank you for your attention to this matter.

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