vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
My account 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.

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 2025-04-07 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: NJ

Complaint narrative:
I am writing to formally request the removal of the following unauthorized inquiries listed on my credit report. Upon reviewing my credit file, I noticed multiple inquiries that I believe were made in error or without my proper consent. These inquiries do not reflect my approval or any actions I took. I kindly request that you review these items and remove them from my credit report as soon as possible. 

The details of the inquiries are as follows : CAP ONE NA Inquiry Date : XXXX XXXX, XXXX, CAP ONE NA Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX, Inquiry Date XXXX XX/XX/XXXX I understand that credit bureaus are required to ensure the accuracy of the information provided in credit reports, and I would like to ensure that my report is corrected. I appreciate your prompt attention to this matter and request that you notify me once the inquiries have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Well I got a credit card with care credit no one never mentioned to me that I would be paying double of what I owed if I didnt pay it by a certain date. I paid my balance down to {$6800.00} and later was charged XXXX back on my credit report. I tried to get them to help me and they would not work with me. I think this is so unfair how they did me. I worked hard to get this balance down to XXXX and for them to jump it back up to 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 2025-04-07 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: NJ

Complaint narrative:
Experian failed to complete an investigation as they took it upon themselves to determine whether or not I was the party that submitted my investigation request when I provided them with copies of my driver 's license and proof of address to verify my identity.

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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX dismissed Case No. XXXX with prejudice, confirming that no money was owed to XXXX XXXX XXXX, which was managed by XXXX XXXX XXXX at the time. Despite this clear ruling, XXXX initiated unlawful debt collection efforts on XX/XX/XXXX, misrepresenting the legal status of the debt and violating multiple sections of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, we sent a formal cease communication notice to XXXX XXXX, the Assistant Community XXXX XXXX XXXX XXXX XXXX  employed by XXXX XXXX XXXX, instructing her not to contact us further and to direct all matters to legal counsel. Instead of respecting this notice, she replied that a third-party collection agency would be contacting us. XXXX then escalated the matter by involving Columbia Debt Recovery LLC, also known as Genesis, who began sending collection emails to us starting XX/XX/XXXX, and continued through XX/XX/XXXX. 

We never signed a lease agreement with XXXX XXXX XXXX. Our original lease was with XXXXXXXX XXXX XXXX XXXX XXXXXXXX assumed management but never entered into any legal lease agreement with us, and therefore had no standing to collect. Despite this, XXXX and XXXX acted as if they had lawful authority to pursue a debt that had already been dismissed in court. 

As a co-resident directly named in the collection notices and legal correspondence, I was subjected to repeated violations of federal law, including false representation, failure to validate the debt, continued contact after a cease request, and threats of further action. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Vice President formally denied all wrongdoing and declined our demand for payment. For full transparency and accountability, XXXXXXXX XXXX XXXXXXXX was also copied on this communication to ensure executive-level awareness of the violations and our legal complaint. 

I am requesting a full investigation and enforcement action against Columbia Debt Recovery LLC ( Genesis ) and XXXX XXXX XXXX for their roles in this unlawful and harmful debt collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-07 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: IL

Complaint narrative:
Subject : Request to Remove Inaccurate Personal Information and Provide Source Detail I am writing to formally dispute the accuracy of personal information listed on my credit report. Specifically, the following names and addresses are inaccurately reported and should be removed : Incorrect Names : 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 The only accurate name that should appear on my credit file is : XXXX XXXX XXXX The only accurate address that should appear is : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am requesting that all inaccurate personal information be removed from my credit report. Additionally, please provide the names of the data furnishers ( creditors, public records, or agencies ) that reported each incorrect name and address listed above. 

I have enclosed a copy of my identification and proof of current address for verification. 

Please conduct a reinvestigation as required under the Fair Credit Reporting Act and send me confirmation once the incorrect information is removed. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
Subject : Request to Remove Inaccurate Personal Information and Provide Source Detail I am writing to formally dispute the accuracy of personal information listed on my credit report. Specifically, the following names and addresses are inaccurately reported and should be removed : Incorrect Names : 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 The only accurate name that should appear on my credit file is : XXXX XXXX XXXX The only accurate address that should appear is : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am requesting that all inaccurate personal information be removed from my credit report. Additionally, please provide the names of the data furnishers ( creditors, public records, or agencies ) that reported each incorrect name and address listed above. 

I have enclosed a copy of my identification and proof of current address for verification. 

Please conduct a reinvestigation as required under the Fair Credit Reporting Act and send me confirmation once the incorrect information is removed. 

Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MI

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 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding Chrysler Capital, which is still reporting a repossession from XXXX involving a XXXX XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), negative accounts like this are required to be removed after 7 years. As of XXXX, this repossession is over XXXX XXXX XXXX and should have been permanently deleted from my credit file. 
Because this account is still being reported, I have recently been denied approval for a vehicle loan, despite otherwise qualifying financially. This inaccurate and outdated information is causing significant harm to my credit and ability to move forward. 
In addition : I never received any written notice, phone calls, or documentation from Chrysler Capital regarding the repossession. 
I was not sent a deficiency balance letter or any opportunity to resolve or dispute the account. 
I had no chance to recover the vehicle or challenge the repossession, which violates my consumer rights. 
I believe this is a serious violation of the FCRA, and possibly the Equal Credit Opportunity Act ( ECOA ), due to the lack of communication and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NV

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-07 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: TX

Complaint narrative:
In XX/XX/year>2025, I reviewed my tri-merge credit report and identified five accounts with inaccurate and inconsistent reporting across TransUnion, XXXX, and XXXX. I am including an up-to-date tri-merge credit report with this complaint as evidence. These accounts display differing balances, statuses, and payment histories, violating my rights under the Fair Credit Reporting Act ( FCRA ) and industry reporting standards. 
XXXX XXXX ( XXXX ) : Current, never late, but reported inconsistently across all bureaus. 
XXXX XXXX ( XXXX ) : Current, never late, with mismatched status and balance data. 
XXXX ( XXXX ) : Reports conflicting and inaccurate data on all three bureaus. 
XXXX : Paid in full and closed with {$0.00} balance, but inconsistently reported. 
XXXX ( XXXX ) : Current, never late, but discrepancies exist across the bureaus.

These discrepancies violate : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) : Furnishers provided inconsistent/inaccurate data.

15 U.S.C. 1681i : Bureaus must correct or delete unverifiable data. They also breach Metro 2 standards, which require uniform and standardized reporting across all CRAs.

If these accounts were truly reported accurately by the furnishers, the information would be identical across all bureaus. The presence of conflicting data indicates that at least one report must be inaccurate, rendering these accounts unverifiable as they currently stand reported.

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 2025-04-07 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: TX

Complaint narrative:
This letter serves as a formal request for investigation and removal of an unauthorized hard inquiry that appears on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Under XXXX XXXX XXXX XXXX ( FCRA Section XXXX ), no entity may obtain my credit report without a permissible purpose. Upon reviewing my report, I discovered an unauthorized inquiry from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  /XXXX  XXXX, XXXX XXXX ( Bank ) XX/XX/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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I was notified that I would not be able to renew my lease that had ended on XX/XX/XXXX with no prior notification before XX/XX/XXXX that I wouldnt be able to renew my lease. I received a court summons on XX/XX/XXXX to pay balance due for the month of XXXX in the amount of {$1400.00} plus court cost of {$85.00} totaling {$1500.00} but the case was dismissed by the plaintiff and signed off by the Judge on XX/XX/XXXX, there has been no other filling against me. I checked my credit score and saw a {$3800.00} being reported by pro-collect for the month of 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 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX USC XXXX ( 2 ) ). Pursuant to XXXX USC XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX USC XXXXc ( a ) ( 5 ). 
According to XXXX USC XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX USC XXXXc ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX USC XXXX ( a ) ( 1 ), no person shall 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. Additionally, according to XXXX USC XXXX ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2025-04-07 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:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within XXXX days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be 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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-04-08 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Company response to consumer: Closed with explanation