vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My account with XXXX XXXX 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. 


XXXX XXXX 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 2025-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/year>, credit was pulled unauthorized. I asked for proof of a signed application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: Property Receivables, Corp
State: OK

Complaint narrative:
There are XXXX collections showing on my account XXXX. XXXX XXXX XXXX {$8300.00} Opened XX/XX/year> ( XXXX Apartments ) XXXX. XXXX XXXX XXXX {$5900.00} Opened XX/XX/year> ( XXXX XXXX ) XXXXXXXX XXXX XXXX  {$500.00} Opened XX/XX/year> ( PRESTONWOOD ) XXXX. XXXX XXXX Collections {$250.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX ) All of the accounts listed above are fraudulent accounts that do not belong XXXX me. I have never ever done any business with any of these individuals listed above. Upon research it shows that all of these accounts are located in XXXX Texas. I do not XXXX have not ever lived in XXXX Texas. I live in XXXX Oklahoma also the creditors have listed my name as XXXX XXXX XXXX which is the same name used XXXX  establish these fraudulant accounts my name is not XXXX XXXX XXXX it is XXXX XXXX XXXX. I am requesting that these debtors provide proof that this was me XXXX  verify the identification method used XXXX  establish these accounts XXXX  ask the apartments XXXX provide proof XXXX  compare names, signatures, addresses, pictures. If they are unable XXXX  proove accuracy then the debt should be removed immediately these accounts are appearing on my XXXX XXXX XXXX XXXX XXXX  The debts has lowered my score dramatically. There is an active police report in place and a fraud alert a freeza XXXX a XXXX XXXX alert in place including a statement to prevent any further fraudulant activities companies are being asked XXXX call before establishing credit XXXX be sure that it is actuall me that is opening up the account. I have attached my license that can be used XXXX  compare with any fraudulant documents XXXX I have attached my social that shows my correct name, I have included a police report that describes the incident in detail, XXXX I have included my home insurance as verification of my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting XXXX, XXXX, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7300.00}

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 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
United Collection Bure : Account # XXXX According To Law 15 USC 1681i ( a ) ( 5 ) ( A ).

My Rights Are Being Violated Any Disputed Item That Can not Be Verified Must Be Deleted From My Credit .I Request That You Provide The Original Documents With My Wet " Live '' Signature. Anything less is legally insufficient under federal law and I will like this removed from my credit immediately.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am having an issues receiving my report and check my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MI

Complaint narrative:
b'CHRYSLER CAPITAL XXXX AMERICREDIT XXXX  CONSUMER PORTFOLIO SERVI XXXX XXXXCR LAFONTAINE CHRYSLE XXXX CAPITAL ONE AUTO FINANCE  XXXXXXXX XXXX XXXX XXXX XXXXCR LAFONTAINE FORD OF XXXX XXXX FINANCIAL XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE AUTO FINANCE 0XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICREDIT XXXX CONSUMER PORTFOLIO SERVI XXXX XXXX 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX  BALANCED {$15000.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of 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
Consumer complaint received 2025-05-17 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: MO

Complaint narrative:
After reviewing my credit report, I was alarmed by the amount of inaccurate information listed. These errors are not only affecting my credit score but are also causing significant stress in my life. As a consumer, I have the right to a fair and accurate report, and it is disheartening to face the consequences of something I did not cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
There are several inquiries on my credit report that I do not recognize. I never gave permission to these companies to access my credit, nor did I apply for anything with them. This is a clear violation of my rights as a consumer, and with everything else going on in life, I should not have to deal with unauthorized activity affecting 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 2025-05-17 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: MI

Complaint narrative:
XXXX XXXX marked my payment for {$590.00} as late on XXXX, XXXX 2025. 


In accordance to the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 specifically section 602, states that I have the right to privacy. Under 15 USC 1681, specifically section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B, a creditor must not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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 2025-05-17 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: MI

Complaint narrative:
XXXX XXXX marked my payment for {$590.00} as late on XXXX, XXXX 2025. 


In accordance to the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 specifically section 602, states that I have the right to privacy. Under 15 USC 1681, specifically section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B, a creditor must not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MI

Complaint narrative:
XXXX XXXX marked my payment for {$590.00} as late on XXXX, XXXX XXXX. 


In accordance to the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 specifically section 602, states that I have the right to privacy. Under 15 USC 1681, specifically section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B, a creditor must not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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 2025-05-17 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: TX

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 account listed without my expressed written consent.

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 2025-05-17 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: CA

Complaint narrative:
Subject : Formal Dispute and Request for Removal of Reinserted Account Violation of FCRA To Whom It May Concern, I am writing to dispute and demand the removal of the following account that has been reinserted into my credit report without proper investigation or notice : Creditor Name : XXXX XXXX Bank, XXXX. 

Account Number ( Partial ) : XXXX This account was previously disputed and removed from my credit file. However, it has been re-added to my report without notice, without certification of accuracy from the furnisher, and without a proper reinvestigation, all of which are clear violations of the Fair Credit Reporting Act ( FCRA ), particularly under XXXX ( a ) ( XXXX ) ( B ). 

I would like to bring your attention to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which outlines unlawful practices including the reinsertion of previously deleted or disputed accounts without providing the consumer proper notice or verifying the accuracy of the data. The CFPB determined this practice to be deceptive, unlawful, and harmful to consumers. 

As a consumer, I have the right to be notified within XXXX business days when a disputed item is reinserted into my credit file, and to receive documentation proving its accuracy. To date, I have received no such documentation or notice regarding the reinsertion of the above XXXX XXXX Bank, XXXX. account. 

I hereby demand that Experian : Immediately remove the XXXX XXXX Bank, XXXX. account ( Account XXXX. XXXX ) from my credit report. 

Provide documentation showing the furnisher certified the accuracy of this information before reinsertion. 

Confirm that proper procedures under FCRA were followed, or acknowledge the violation and correct the error. 

Failure to correct this issue within the legally required timeframe will result in formal complaints being filed with the CFPB, the Federal Trade Commission, and my states Attorney General. 

Please send me a written confirmation of the deletion and an updated copy of my credit report reflecting the correction. 

Sincerely, XXXX XXXX DOB : 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