vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: AR

Complaint narrative:
My account with EQUIFAX 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. 


EQUIFAX 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 2025-03-06 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: AR

Complaint narrative:
My account with EQUIFAX 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. 


EQUIFAX 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I urgently need your assistance in resolving the issue of my stolen identity. I kindly ask you to swiftly remove the fraudulent items and promptly update any other incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 

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 2025-03-06 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: MO

Complaint narrative:
I am beyond frustrated to find a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This is a clear case of fraud, and it is completely unacceptable that this is showing up on 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 non-monetary relief
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
I contacted Equifax to request the removal of unauthorized credit inquiries on my Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquiry that I have no knowledge of ever XXXX.I want to dispute the following inquiries and ask for their removal from my credit report. 

Item Number #, Creditor, Account : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> In accordance with Section 605B of the Fair Credit Reporting Act, I request the removal of this information from my credit report, as it is negatively impacting my ability to obtain new credit. I would also appreciate receiving a copy of my updated credit report once this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo allowed a {$XXXX} charge on my credit card that put me {$XXXX} over my credit limit creating a potential problem for my credit report, I did not authorize this payment but more problematic is that Wells Fargo would authorize a charge that put me XXXX  % over my credit limit, this was pure predatory finance intended to put me in a position of financial hardship with every increasing fees and penalties due to Wells Fargo, Wells Fargo should not allow any transaction ( Authorized or Un-Authorized ) to process that would exceed XXXX  % of the the card holders credit line, which immediately puts the users in an intential over-the-limit situation and creates dire financial hardship.

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 2025-03-06 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I want these inquiries to be deleted, I did not authories these companies to run my credit or use my information.This is fraudulent. I will attach FTC report of the inquiries found on 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unverified Collection Account To Whom It XXXXay Concern, I am formally disputing the collection account [ Account Number ] reported by [ Collection Agency ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request proper validation of this debt. Despite my previous requests, the collector has failed to provide adequate proof of the debts legitimacy, ownership, and itemized accounting. 

Simply marking the account as " verified '' without furnishing concrete evidence does not meet the legal standard for verification. If the furnisher can not provide a signed contract, detailed account history, or proof of a lawful transfer of the debt, this account should be removed from my credit report immediately. 

Failure to comply with my request constitutes a violation of my consumer rights under the FCRA and could result in further legal action. I request a thorough investigation and prompt removal of this unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PERSONAL INFOMRATION ON MY CREDIT REPORT IS INCORRECT, MULTIPLE ACCOUNTS THAT HAVE BEEN REMOVED FROM XXXX STILL APPEAR ON EXPERIAN REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Information - FCRA Violations Dear Experian, I am writing to dispute inaccurate information on my credit report obtained on XX/XX/year>. My full name is XXXX XXXX XXXX, and my Social Security number is XXXX. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , this is the ONLY personal information that should be listed on my report, AS NO OTHER ADDRESS CURRENTLY LISTED ON MY REPORT IS A MAILABLE ADDRES. I CAN NOT RECEIVE MAIL AT ANY OTHER ADDRES EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Specifically, I am disputing the following : * **Inaccurate Accounts : ** My Experian report contains accounts that are not present on my XXXX report. To ensure consistency and accuracy, these accounts should be removed from my Experian report to align with the information reported by XXXX. 

These inaccuracies violate the following provisions of the Fair Credit Reporting Act ( FCRA ) : * **15 U.S. Code 1681e ( b ) : ** This section mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Failure to comply can result in actual damages, punitive damages, and attorney fees. 

* **15 U.S. Code 1681i ( a ) : ** This section requires credit reporting agencies to conduct a reasonable reinvestigation into disputed information. Non-compliance can lead to actual damages, punitive damages, and attorney fees. 

I request that you investigate these discrepancies and take the following actions : * **Remove the inaccurate accounts from my Experian report to match my XXXX report. ** * **Provide me with a corrected copy of my credit report after the corrections have been made. ** Please be advised that if these inaccuracies are not corrected within 30 days, I intend to pursue legal action to enforce my rights under the FCRA, including seeking actual damages, punitive damages, and attorney fees. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-06 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 am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
All data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an account that has been inaccurately reported on my credit file. The original creditor, XXXX XXXX XXXX XXXX XXXX, transferred my account to XXXX. XXXX, a collection agency, without providing proper notification. 

This lack of prior notice before the transfer or sale of the debt violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and XXXX also breach the Fair Credit Reporting Act ( FCRA ).

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a formal complaint against Citibank regarding their failure to honor a promotional offer for the Citi / AAdvantage Platinum Select World Elite Mastercard. 

After conducting extensive research, I selected this particular credit card based on Citis advertised New Card Member Reward Points promotion of XXXX AAdvantage miles upon meeting the spending requirement. I applied for and was approved for the card on XX/XX/year>, and I have met all of the conditions required to earn the full reward. However, Citi has only credited me with XXXX miles instead of the XXXX miles I was promised. 

I have repeatedly contacted Citi customer service, spending hours on the phone attempting to resolve this issue. I have also provided multiple screenshots with date stamps clearly proving that Citi was advertising the XXXX offer at the time of my application. Despite my efforts, Citi has refused to correct this discrepancy and has failed to provide any legitimate justification for awarding me only XXXXXXXX XXXX 

This misleading practice is unacceptable and deceptive. As a consumer, I relied on Citis promotional offer in good faith when selecting this credit card. Their refusal to honor the agreement demonstrates a lack of integrity and unfair treatment of customers. This type of bait-and-switch tactic is not only unethical but also a clear violation of fair advertising practices. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Citi honors their promotional commitments. Additionally, I ask that Citi be required to credit the remaining XXXX AAdvantage miles to my account as originally promised. 

I have attached relevant documentation, including screenshots of the promotion and my approval confirmation email, to support my claim. I appreciate your prompt attention to this issue and look forward to a resolution.

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 2025-03-06 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-03-06 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date XXXX Balance Owed : {$XXXX} - Chargeoff- XXXX  XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$XXXX} - Chargeoff- XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$XXXX} -Late/closed-

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