vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time. 

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX XXXX must be removed after 10 years from the date of filing. 
XXXX  XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

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 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report. 

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX  XXXX must be removed after 10 years from the date of filing. 
XXXX  XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

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 2025-01-14 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My spouse and I had an auto loan with Bank of America. In the month of XXXX, we remitted two payments via their online payment portal in error. Once payment was remitted on XX/XX/XXXX for {$5500.00}, the second payment was remitted on XX/XX/XXXX for {$5500.00}. When we noticed that the payoff was scheduled twice in error we had immediately logged back in and cancelled one of them. Their online system acknowledged that the payment was cancelled. However, two days later we noticed that both transactions had been processed and cleared or bank account. I had immediately contacted bank of america regarding the incident. I was advised that we would receive two refund checks. One refund check was received on XX/XX/XXXX for {$2.00}. The second refund check for {$5500.00} was never received. I was told that this check would have been issued on XX/XX/XXXX. In calling bank of america on XX/XX/XXXX it was discovered that the refund check was never issued. A ticket ( # XXXX ) was submitted and I was told it should take another 14 days before I received the actually check. I had requested that this check be expedited and sent to me via XXXX  XXXX or XXXX, the rep told me that I would have to provide an account number in order for that to occur. I'm very disappointed in BofA and the amount of time it has taken to resolve this.

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
My friends Zelle phone number was incorrect and the information was not updated. Therefore payment through zelle was never received. I was unable to receive refund after calling my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
Experian has failed to fulfill, its legal obligation under the Fair Credit Reporting Act FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts as Experian 's inaction violates federal laws and my rights as a consumer.

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 2025-01-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
A account is on my credit report that hasn't been opened by me nor have I lived at the address on file/ or have I associated with anyone from the address that the account is attached to. My name is spelled incorrectly and the city and state where this account was established I've never lived at. Also the account has been sold to a collection agency which I didn't authorize them to have any information about me to attach such information to my credit report. I think this was a data breach and my information should have been protected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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 writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to Conduct a resasobable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furtnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experince, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.

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 2025-01-14 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. The inaccuracies pertain to the payment history for an account listed under XXXX XXXX XXXX XXXX Account Number XXXX Auto Loan. 

According to the report, the account was opened in XX/XX/2024 ; however, the payment history does not reflect this, and there are additional discrepancies regarding other details of the account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. 

Specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumer 's file.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that credit reporting agencies maintain maximum possible accuracy in consumer credit files. 

Please review and address the following inaccuracies : Account payment history is inaccurate and does not align with balance history. 

As mandated under the FCRA, you are obligated to investigate and correct any errors on my report within 30 days. 

Please conduct an investigation and provide me with an updated copy of my credit report reflecting the corrections. If additional information is needed, feel free to contact me via the information provided above. Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been resolved. 

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I used to check my credit score everyday and now Im afraid to do so I have a fear something new will pop up and I have no action that I can take Ive tried multiple times to get an answer for how the debt was mines or for someone to prove I signed for something but every-time I start a dispute with XXXX it comes back as verified debt within in 24 to 48 hours of starting the dispute. For a company that I am giving money to each month ( XXXX  ) am I not worth atleast a weeks worth of research and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Sending money through XXXX in the past. There were no secondary verifications added. Money was sent to the wrong person.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While making my payments, I noticed that the total amount of my payment is automatically added to my available balance, but none of it goes toward reducing my principal balance. This means that every time I make a purchase with my Capital One card, I am essentially using my own money. When I initially signed up with Capital One, I understood that payments would go toward reducing both the principal and the interest on the balance. However, in this case, 100 % of my payment is being applied to my available balance, not my principal balance. As a result, the principal balance remains unchanged, but the available balance increases by the payment amount. Furthermore, I am still being charged interest on this credit card every month. 

I attempted to call Capital One on numerous occasions, and is unable to reach a rep. Their system keeps forwarding me to the online. Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complain has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of addresses on XXXX XXXX XXXX XXXX, GA XXXX, employment at XXXXXXXX XXXX on XXXX, employment at XXXX XXXX on XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number # XXXX, credit card at XXXX XXXX  opened on XX/XX/XXXX, under account number # XXXX, credit card at XXXX XXXX  opened on XX/XX/XXXX, under the account number # XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX, credit card at XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX, auto loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXXXXXX credit card at XXXX XXXX XXXX  opened on XX/XX/XXXX, under the account number # XXXX, account at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned addresses, employment, accounts, collections or hard inquires as reported. The aforementioned addresses, accounts, employment, inquires and collections on my consumer credit report maintained by you were not opened, or made or initiated by me. All of the aforementioned addresses, employment, accounts and collection are a result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit Criminal Complaint case number # XXXX, # XXXX, # XXXX, as proof from the US Federal Trade Commission that all that aforementioned consumer credit addresses, accounts and collections are identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complain has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of addresses on XXXX XXXX XXXX XXXX, GA XXXX, employment at XXXXXXXX XXXX on XXXX, employment at XXXX XXXX on XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX XXXX, credit card at XXXX XXXX  opened on XX/XX/XXXX, under account number # XXXX, credit card at XXXX XXXX  opened on XX/XX/XXXX, under the account number # XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX, credit card at XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX, auto loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX credit card at XXXX XXXX XXXX  opened on XX/XX/XXXX, under the account number # XXXX, account at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned addresses, employment, accounts, collections or hard inquires as reported. The aforementioned addresses, accounts, employment, inquires and collections on my consumer credit report maintained by you were not opened, or made or initiated by me. All of the aforementioned addresses, employment, accounts and collection are a result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit Criminal Complaint case number # XXXX, # XXXX, # XXXX, as proof from the US Federal Trade Commission that all that aforementioned consumer credit addresses, accounts and collections are identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation