vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX XXXX and I live at XXXX fm XXXX XXXX XXXX, XXXX, XXXX United States. Please fix the below list of accounts. 
XXXX XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX XXXX XXXX - - XXXX - Incorrect Balance Being Reported XXXX XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX XXXX XXXX - - XXXX - Incorrect Balance Being Reported XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX XXXX XXXX - - XXXX - Incorrect Balance Being Reported XXXX XXXX XXXX - - XXXX - This account is not a charge off XXXX  XXXX - - XXXX - I do not believe my account was late on the date you are

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX of XXXX, Synchrony bank changed my credit limit for no reason. Although I had been making my payments on time and never been late.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-19 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
XXXX XXXX  account paid in full as of XX/XX/year> ; XXXX XXXX account paid in full XX/XX/year> ; All 3 bureau 's are refusing to correct my file with the information I sent in which is true and accurate because what they have on file doesn't match. They asked me to send in my government issued ID, a current bill in my name with current address then when I send it they say it doesn't match their records. Identity theft is when someone access your account information and make changes to the record. There have been several breaches in the bureau 's and my file is not mine. Please apply pressure for accuracy and corrective attention be placed. I can not express enough the inconvenience and discomfort this is causing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I called XXXX XXXX and asked the to provide the 1099C for this debt, and they told me they did no provide that until the debt has been paid or settled. I understand lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/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. 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!

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
These numbers keep calling my number, but they don't know my name. I filed bankruptcy over 22 years ago, and if it is from then, it is illegal. I think they are just trying to scare people. I don't owe anything that I am not already paying, and am not late on any of my bills. 

Also I got a report that my social security number has been recently compromised on the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding the actions of the three major credit bureaus ( Equifax, Experian, and TransUnion ) in relation to inaccurate late payment reporting on my credit report from XXXX Student Loans, XXXX  XXXX, and XXXX XXXX. I believe that these actions constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under the following provisions : 1. 15 U.S.C. 1681 Section 602 - This section affirms my right to privacy concerning my credit information.

2. 15 U.S.C. 1681 Section 604 ( 2 ) - This section specifies that a consumer reporting agency can not furnish my account information without my written instructions.

3. 15 U.S.C. 1666b - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.

The late payment reported on my credit report is associated with accounts that have been closed for over four years. I have not received any notification from the creditor stating that I was late on payments, specifically the required 21-day notice prior to marking the account late. Therefore, I believe this late payment entry is erroneous and constitutes a billing error.

As a consumer, I am entitled by law to demand proof from the creditor that substantiates the claim of a late payment. I ask for hard evidence showing that I did not make the required payments, which I believe will demonstrate that the late payment marking is unfounded.

Given the violations I have outlined, I request that the late payment entries on my credit report be deleted immediately. If this matter is not resolved satisfactorily, I will consider pursuing monetary compensation for the violation of my rights under 15 U.S.C. 1681n in small claims court in my city and state.

I have already filed complaints with the State Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission regarding this issue. I expect prompt attention to this matter and a resolution in accordance with the law. 

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

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding the actions of the three major credit bureaus ( Equifax, Experian, and TransUnion ) in relation to inaccurate late payment reporting on my credit report from XXXX Student Loans, XXXX  XXXX, and XXXX XXXX. I believe that these actions constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under the following provisions : 1. 15 U.S.C. 1681 Section 602 - This section affirms my right to privacy concerning my credit information.

2. 15 U.S.C. 1681 Section 604 ( 2 ) - This section specifies that a consumer reporting agency can not furnish my account information without my written instructions.

3. 15 U.S.C. 1666b - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.

The late payment reported on my credit report is associated with accounts that have been closed for over four years. I have not received any notification from the creditor stating that I was late on payments, specifically the required 21-day notice prior to marking the account late. Therefore, I believe this late payment entry is erroneous and constitutes a billing error.

As a consumer, I am entitled by law to demand proof from the creditor that substantiates the claim of a late payment. I ask for hard evidence showing that I did not make the required payments, which I believe will demonstrate that the late payment marking is unfounded.

Given the violations I have outlined, I request that the late payment entries on my credit report be deleted immediately. If this matter is not resolved satisfactorily, I will consider pursuing monetary compensation for the violation of my rights under 15 U.S.C. 1681n in small claims court in my city and state.

I have already filed complaints with the State Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission regarding this issue. I expect prompt attention to this matter and a resolution in accordance with the law. 

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

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 2025-02-19 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: NY

Complaint narrative:
I filed a dispute with Experian on XX/XX/XXXX to investigate and delete late payments for SYNCB/Walmart account XXXX is reporting inaccurate account number and late payments to my credit report. On XX/XX/XXXX, the dispute is completed and additional inaccurate information was added to my report. They have added additional late payment for the year XXXX and charge off for XXXX on an account that was paid and closed in XXXX. I called XXXX to verify information at XXXX. Representative confirmed that account was paid and closed in XXXX and no balance is owed. I requested for them to delete the information from my credit report and was told they will investigate and it could take up to 45 days. This is unacceptable for Experian and XXXX to be able to add inaccurate information to my report after a dispute has been filed. I am in the process of applying for credit and this inaccurate information can hinder that process. Experian and XXXX need XXXX both correct their process of validating information before adding inaccurate information to my credit report.

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 2025-02-19 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:
There are accounts listed on my credit report that do not belong to me, and I have no knowledge of them whatsoever. This situation is not only unfair but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate credit report, and these errors should not be affecting my financial standing. I request an immediate investigation into these unauthorized accounts, and I expect these inaccuracies to be corrected without delay. If these errors are not resolved promptly, I will be forced to take legal action to protect my rights.

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 2025-02-19 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: MI

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello my Name is XXXX XXXX I am a victim of identify theft unknown offender used my personal information to open a fraudulent bankruptcy case number XXXX I would like this fraudulent bankruptcy case number XXXX filed with Experian to be deleted from my credit report this fraudulent bankruptcy information is not mine this is fraudulent please close this bankruptcy would like this to be closed and deleted from my credit and public records this is fraud does not match my name or my personal information the address listed on this bankruptcy I have never lived please close and block this fraudulent bankruptcy XXXX. Thank You 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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX took XXXXXXXX XXXX from my usbank account. Then they proceeded to take {$3000.00} and then another {$3000.00}. I immediately contacted usbank and started a fraud case. I froze my accounts. I opened a new account. I have recieved multiple calls and emails from someone pretending to be US bank. I have updated us bank each time I recieve this. I recieved a letter stating I was denied for my case because XXXX XXXX said I gave them permission to take this money.

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 2025-02-19 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: CA

Complaint narrative:
I filed a dispute with Experian to investigate the inaccuracies in my credit report. I have three negative marks on my credit & I would like them removed.Also provide me with their findings.

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 2025-02-19 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i was told to file a complaint with cfpb if i never received the settlement from wells fargo due to the overdraft charges that were applied incorrectly 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 2025-02-19 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 explanation