vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint. Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.

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 2025-01-03 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint. XXXX now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-03 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: CA

Complaint narrative:
I am filing a formal complaint against Experian for their refusal to conduct a reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including a bankruptcy record and incorrect personal information. This bankruptcy is reporting with discrepancies, as it only lists an incorrect court name, a reference number, and a filing date. The incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
In my dispute letter, I ensured to include a copy of my driver 's license, Social Security card, and proof of address to verify my identity in accordance with the FCRA. Despite my compliance, Experian refused to conduct an investigation. I received a letter response from them dated XX/XX/year> stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the FCRA, if accounts are inaccurately reporting, I have the right to file a dispute with the credit reporting agency. Experian 's refusal to investigate my dispute constitutes a clear violation of my consumer rights under the 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 2025-01-03 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.

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 non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-03 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:
IM ASKING EXPERIAN TO READ ALL MY DOCUMENTS TO REMOVE THIS ERROR ON XXXX XXXX PUTTING A LATE PAYMENT ON MY ALMOST PERFECT CREDIT REPORT,,, ,XXXX XXXX IS NOT FOR THEIR CUSTOMERS... IT'S XXXX XXXX THAT DID NOT FOLLOW THE CODE 15 U.S. CODE & 1666b- TIMING OF PAYMENTS ... .A CREDITOR MAY NOT TREAT A PAYMENT OF A CREDIT CARD OR A LINE OF CREDIT 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 CONSUMER NO LATER THAN 21 DAYS BEFORE THE PAYMENT DUE DATE ... .THIS DID NOT HAPPPEN ... IM ASKING EXPERIAN TO CAREFULLY READ ALL MY DOCUMENTATATION AND REMOVE THE LATE FEE PLEASE ... XXXX XXXX IS THE CAUSE OF ALL OF THIS WITH ME BEING A FRAUD VICTIM AT THEIR BANK..AND XXXX XXXX REP DID NOT LINK MY NEW CHECKING ACCOUNT TO MY LINE OF CREDIT, MY LINE OF CREDIT WAS ALREADY LINKED TO MY OLD CHECKING ACCOUNT BEFORE I WAS A VICTIM AT THIS BANK, AFTER THE REP CLOSED OUT MY OLD ACCOUNT AND ADDED A NEW CHECKING ACCOUNT SHE WAS SUPPOSE TO LINK THE ACCOUNT, BUXXXX XXXX IS COVERING THIS UP ... IM SEND ALL DOCUMENTATION... XXXX  KEEP SEND ME STUPID LETTERS DEALING WITH THE FRAUD ... .THE FRAUD IS OVER WITH, THIS HAPPEENED BECAUSE OF THE FRAUD AT XXXX XXXX, MY ACCOUNT WAS AND ALWAYS HAS BEEN IN GOOD STANDING... DOCUMENTS SPEAK FOR THEMSELVES, XXXX XXXX OWN BANK MANAGER SAID IN AN EMAIL SHE SENT TO ME THAT I WAS NOT LATE FOR XXXX AND XXXX OF XXXX IS THE PROBLEM, REMOVE

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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I dropped my debt card and someone stole it on XX/XX/year>. XXXX unauthorized atm withdrawals were conducted on my chime bank account. The first occurred on XX/XX/XXXX for XXXX and the second occurred on XXXX. In addition, an unauthorized transaction in the amount of XXXX was conducted on XX/XX/year>. In responses to the theft, I filed a claim with Chime for the fraudulent charge and ATM withdrawals. Chime denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: PA

Complaint narrative:
There are driving records that are not mine. I wasnt able to get my license until XX/XX/year>. There is an eviction or a judgment not an eviction on my background of property damage not mine never did I live anywhere that was destroyed. I never hit a property in a car accident. I was never in a car accident as an adult, and none of these incidents were their ID given, nor was their court dates. Its like there was judgments for these people that got in trouble and use my name but never arrested or convicted. Maybe given a court date an never showed because they couldnt prove they were me. Or maybe did use my ID or social without ID a medical card I dont know but it wasnt me. I cant work certain jobs, I cant get places to live & XXXX having a hard time building credit an it scares me now. But I have to get a safe place for my children an myself. The only places IVE ever lived was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( which I was XX/XX/XXXX) and XXXX XXXX in XXXX a where I live now which is XXXX XXXX XXXX in XXXX. My ex or the woman he was cheating with that I have an active protection from abuse order on most likely did it before XX/XX/XXXX at XXXX XXXX XXXX an if you XXXX MY NAME YOU WILL SEE IT!! So anything criminal or driving situations or property damage anything IS NOT ME!! Im aXX/XX/XXXXan a XX/XX/XXXX! I need a new house an Im trying to buy plus I need a new car now an my credit reportings hinder me from everything and its not fair nor right yall should confirm over video and in person before you put something on someones credit its not right and Im fighting us and Im about to get a lawyer cause Im tired of not being able to live my life, but all these false information reportings on my background!!!! XXXX XXXX IS NOT ANYTHING THIS REPORTERS ARE REPORTING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
pursuant to 15 USC 1692c - communication with a debt collector, I never gave these people my information and they are considered or better yet known as a debt buyer. this is my putting XXXX XXXX on notice that this is a cease and desist. which is a legal refusal to pay a debt. which means no communication what so ever pursuant to federal laws. further more! pursuant to 15 USC 1681e ( b ) - compliance procedures. ( b ) Accuracy of report // Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. have have has this corporation been able to defame my reputation which is also better known as my credit for so long with out any over sight from the actual credit agency. which leads me into the following issue, which are supported by case law, the assumed to be creditor which are really collection agencies, have been misrepresenting the debt for quite some time now, this corporation openly admits to being a debt buyer and not the original creditor henceforth they are unable to provide a contract or validate the debt. they have deleted the information from XXXX yet still report on experian and transunion. 
account number XXXX and have also just within the last two years on the experian and transunion credit profile reported missed payments. which have lead to defamation and are causing financial injury pursuant to XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX. XXXX XXXX XXXX XXXX. the fine equaling the extent of damages incurred by the wronged party as deemed by the courts. which just with missed payments alone equals {$24000.00}. Which I am certain any district court willl rule in my favor after presenting the evidence. 
further more! this misrepresentation of the debt which is against federal law and there are protections prohibiting such behavior and protect me the consumer from such actions pursuant to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX ), and the protection under the fair debt collections act which was passed in by the XXXX XXXX XXXX XXXX XXXX and copied into law on XXXX  which can be found in 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
pursuant to 15 USC 1692c - communication with a debt collector, I never gave these people my information and they are considered or better yet known as a debt buyer. this is my putting XXXX XXXX on notice that this is a cease and desist. which is a legal refusal to pay a debt. which means no communication what so ever pursuant to federal laws. further more! pursuant to 15 USC 1681e ( b ) - compliance procedures. ( b ) Accuracy of report // Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. have have has this corporation been able to defame my reputation which is also better known as my credit for so long with out any over sight from the actual credit agency. which leads me into the following issue, which are supported by case law, the assumed to be creditor which are really collection agencies, have been misrepresenting the debt for quite some time now, this corporation openly admits to being a debt buyer and not the original creditor henceforth they are unable to provide a contract or validate the debt. they have deleted the information from XXXX yet still report on experian and XXXX. 
account number XXXX and have also just within the last two years on the experian and XXXX credit profile reported missed payments. which have lead to defamation and are causing financial injury pursuant to XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX. XXXX XXXX XXXX XXXX. the fine equaling the extent of damages incurred by the wronged party as deemed by the courts. which just with missed payments alone equals {$24000.00}. Which I am certain any district court willl rule in my favor after presenting the evidence. 
further more! this misrepresentation of the debt which is against federal law and there are protections prohibiting such behavior and protect me the consumer from such actions pursuant to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX ), and the protection under the fair debt collections act which was passed in by the XXXX XXXX XXXX XXXX XXXX and copied into law on XXXX which can be found in 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 2025-01-03 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

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