vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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:
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported latepayment : [ XX/XX/year> ] Account number : 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 2025-02-08 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: FL

Complaint narrative:
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported latepayment : [ XX/XX/year> ] Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 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 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! Delete 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 2025-02-08 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:
There was a data breach amongst credit bureaus that my information was leaked. I believe my credit information has been compromised and not accurate throughout all bureaus. I need my history fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
There was a data breach amongst credit bureaus that my information was leaked. I believe my credit information has been compromised and not accurate throughout all bureaus. I need my history fixed asap.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: NC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Account on my credit report with all XXXX agencies / Inacurate Dear XXXX XXXX XXXX XXXX XXXX XXXX  This letter is to formally dispute an inaccurate charge-off account that has been reported to my credit file. I am requesting that you investigate this matter and remove this inaccurate information from my credit reports with all three credit bureaus ( XXXX, XXXX, and XXXX ). 

I believe this charge-off account does not belong to me. I have never opened an account with [ BIG LOTS ] or authorized any transactions related to this account or any other account showing negative on my credit report .I am requesting you verify this debt and provide documentation that proves I am responsible for this account. 

Based on the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am exercising my rights under : Section 602 ( 4 ) : I am entitled to receive a complete and accurate report of my credit history. 
Section 604 ( a ) ( 1 ) & ( 2 ) : I am entitled to request a complete and accurate report of my credit history, and you are required to investigate any inaccuracies.

Section 604 ( a ) ( 3 ) : I am entitled to have any inaccuracies removed from my credit report.

Section 1682 ( a ) ( 1 ) & ( 2 ) : I am entitled to receive information regarding the nature and amount of the debt, and you are required to investigate any inaccuracies. 
I expect a prompt response to this letter within 30 days. If you can not provide the necessary documentation to verify the debt, I request that you immediately remove this charge-off from my credit report with all three credit bureaus. 

Please be advised that if this matter is not resolved within 30 days, I will be forced to pursue further legal action, including litigation, to have this inaccurate information removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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 consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries 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 non-monetary relief
Consumer complaint received 2025-02-08 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: Regional Management Corporation
State: CO

Complaint narrative:
On XXXX XXXX, 2025, I noticed a XXXX drop in my credit score. I contacted XXXX XXXX XXXX, provided my SSN and full name, and discovered that another individuals name was linked to my SSN. The representative, XXXX, refused to disclose the name but stated I would receive an email with a form to complete that I did not receive. On XX/XX/scrub>, 2025, I contacted Regional Finance, reported I had not taken out a loan, and was told my SSN pulled up as XXXX due to a number mix-up. They assured me it would be resolved in 710 days and advised against reporting it to the police.I called XXXX XXXX XXXX again and spoke with XXXX, who requested my full name and address. He stated they couldnt verify the borrower and that I must first file a police report. When I mentioned XXXX, he declined further details, explaining that borrowers must verify their identity in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 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 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
This morning, I noticed incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents I have submitted so that I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app advised me because I opened a fraud dispute on my account XXXX my account is flagged and I am not allowed to request a new replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
The agency called more than 5 times a day from different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit file. The reported late payment associated with CAPITAL ONE, account number XXXX, is inaccurate and requires immediate investigation under federal law. 

Pursuant to 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Additionally, under 15 U.S. Code 1666b and 12 CFR 1026.13, consumers have the right to dispute billing errors, including incorrect late payment reporting. As this late payment was reported in error, I request its immediate removal from my credit report.

I demand that if unable to do so or lacking proof of these payments being late. Please update my payment history to PAANL ( Paid as agreed never late ) Please conduct an investigation into this matter and provide written confirmation of the correction. If you are unable to verify the accuracy of this late payment, I request its removal per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Please provide a written response within 30 days, as required by law. If you need further information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX Just lettin you know Im disputin this account under whatever law called Fair Debt Collection Practices Act. This aint about askin for more proof or docs just want you to know I dont agree. For reachin me best way is text on my cell or email on my cell or computer Monday through Friday between XXXX and XXXX Eastern Time Dont try no live calls or voicemails they aint good for me.ACCOUNT # XXXX plus thoses other accounts you trying sa I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX. ** Made online hostel reservation XXXX XXXX XXXX. Charged {$210.00} ( converted from XXXX ) deposit on XXXX for 5 night stay. 


2. Same date XXXX, same amount {$210.00} fraud charge I did not make. I filed a dispute with citibank shown on my XXXX XXXX XXXX I withdrew dispute for this FRAUD charge because hostel issued a refund on XXXX, XXXXXXXX XXXX {$200.00} instead of {$210.00} ok by me. 

1. ** Continued I filed a SECOND different dispute on XXXX with XXXX because the hostel cancelled my hotel reservation without my knowledge ( I think because they got the inquiry from Citi ), and said they would refund the second {$210.00}. I was supposed to receive this 2nd credit by XXXX. I NEVER RECEIVED THE CREDIT. Email from hostel says they sent it to my card. Citi HAS NEVER ACKNOWLEDGED THIS 2nd dispute in writing .XXXX  phone rep sent in explaining this is a different, 2nd dispute. I called citi again, spoke to supervisor XXXX on XXXX explaining this is not the original fraud dispute, this is the 2nd one fail to receive my deposit back. I got another letter from citi since the dispute is closed, can not re-open ( this was for the 1st dispute, not second ) CITI HAS NEVER ACKNOWLEDGED 2ND DISPUTE AND KEEPS REFERRING TO FIRST RESOLVED ONE. THEN CLOSES IT. 

I SENT IN THE EMAIL PROOF FROM THE HOSTEL MANY TIMES SHOWING I WAS OWED {$210.00} fraud plus {$210.00} for my cancelled reservation. 

I am a XXXX XXXX XXXX XXXX XXXX and asking for your help.

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 2025-02-08 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: TX

Complaint narrative:
I hereby my name XXXX XXXX I am a victim of the credit reach that has happened across the United States I am one of the XXXX billions that was involved I am a victim that has been in the data breach that was hacked from all three credit bureaus my information has been hacked into and fraudulent there's things that I don't know about that's going on on my reports that I have not a clue who and what they are this needs to be removed my credit need to be cleared from from all three bureaus.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: AR

Complaint narrative:
I moved to Arkansas in 2020. At the time of moving, me and my spouse left our accounts acitve with Vystar Credit Union. Recently, I was surprised about a collection company XXXX which I originally thought was a scammer. I called them and ask them what it was and I confirmed that they are the collection company working with Vystar. They told me about the collection in the amount of {$57.00}. Since I moved to Arkansas, I have never used the account and I have lost access to it. When I called XXXX, I asked them what the charge was about and who the vendor was, they had no information about it. They told me that I can file a dispute so that Vystar maybe be able to provide the information I need. Prior to that, I called Vystar about my account, but they have no information and can not tell me what it was and I assumed they closed it. Assuming that they have closed the account, I am certain that they should still be able to access the information so that I will at least know what the charge was for. After XXXX filed the dispute, I received a notice from the credit union XXXX that my credit score took a deep dive and that one of my accounts fell delinquent. When I checked, Vystar decided that they will write off the {$57.00} and call it a loss instead of trying to give me that information I want and would have paid it. They resorted in reporting it to the credit bureau to punish me and tank my credit score for this small amount. For the last 10 years that I have had credit cards and loans, I have not missed any payment whether large or small. When I filed a dispute, I decided to just pay it no matter what since they already did that to me. But when the dispute results came out, they still insisted that it their records were accurate. I am coerced to pay something that I have no idea about because they will not provide the information I needed but even after that and sending them proof of payment from XXXX, they still insisted that their records were accurate.

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 2025-02-08 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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