vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: MO

Complaint narrative:
Subject : Dispute of Incorrect Late Payment Reporting XXXX XXXX Dear Credit Bureau, I am writing to formally dispute the late payment reporting on my credit profile for my account with XXXX XXXX. The reported late payments are inaccurate and should be updated to reflect " Paid as Agreed '' due to multiple violations of federal consumer protection laws. 
XXXX XXXX has violated my rights under 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account as late unless it has adopted reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. I never received such a statement from XXXX XXXX. If they claim otherwise, they must provide verifiable proof, including a tracking number, showing that the statement was actually delivered to me. Failure to do so renders the late payment reporting invalid and in violation of federal law.

Additionally, my rights under 15 U.S.C. 6802 have been violated, which prohibits financial institutions from disclosing consumer financial information without explicit consent. I never provided XXXX XXXX with permission to report my account information to any credit bureau, and I am exercising my right to opt out of such reporting. I formally request that this information be removed from my credit file immediately.

Furthermore, under 15 U.S.C. 1681s-2 ( 7 ), before furnishing negative information to a consumer reporting agency, the financial institution must provide a written notice to the consumer either before or within 30 days of reporting the negative information. I was never notified in writing of this negative information. If XXXX XXXX claims they provided such a notice, they must produce verifiable proof, including a tracking number. If they can not do so, the late payment must be removed from my credit report as required by law.

In light of these violations, I demand that my account status be updated to reflect Paid as Agreed or be removed entirely from my credit report. Failure to do so will leave me with no choice but to pursue legal action against both XXXX XXXX and this credit bureau for non-compliance with federal consumer protection laws. The payment to this account was never late.

I have attached copies of the relevant federal statutes, including : 15 U.S.C. 1666b Timely delivery of periodic statements 15 U.S.C. 6802 Consumer financial privacy rights 15 U.S.C. 1681s-2 ( 7 ) Notice requirements for negative credit reporting Please investigate this matter and respond in writing within 30 days, as required by the Fair Credit Reporting Act. 
Sincerely, 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 2025-02-23 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:
Subject : Dispute of Incorrect Late Payment Reporting XXXX XXXX Dear Credit Bureau, I am writing to formally dispute the late payment reporting on my credit profile for my account with XXXX XXXX. The reported late payments are inaccurate and should be updated to reflect " Paid as Agreed '' due to multiple violations of federal consumer protection laws. 
XXXX XXXX has violated my rights under 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account as late unless it has adopted reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. I never received such a statement from XXXX XXXX. If they claim otherwise, they must provide verifiable proof, including a tracking number, showing that the statement was actually delivered to me. Failure to do so renders the late payment reporting invalid and in violation of federal law.

Additionally, my rights under 15 U.S.C. 6802 have been violated, which prohibits financial institutions from disclosing consumer financial information without explicit consent. I never provided XXXX XXXX with permission to report my account information to any credit bureau, and I am exercising my right to opt out of such reporting. I formally request that this information be removed from my credit file immediately.

Furthermore, under 15 U.S.C. 1681s-2 ( 7 ), before furnishing negative information to a consumer reporting agency, the financial institution must provide a written notice to the consumer either before or within 30 days of reporting the negative information. I was never notified in writing of this negative information. If XXXX XXXX claims they provided such a notice, they must produce verifiable proof, including a tracking number. If they can not do so, the late payment must be removed from my credit report as required by law.

In light of these violations, I demand that my account status be updated to reflect Paid as Agreed or be removed entirely from my credit report. Failure to do so will leave me with no choice but to pursue legal action against both XXXX XXXX and this credit bureau for non-compliance with federal consumer protection laws. The payment to this account was never late.

I have attached copies of the relevant federal statutes, including : 15 U.S.C. 1666b Timely delivery of periodic statements 15 U.S.C. 6802 Consumer financial privacy rights 15 U.S.C. 1681s-2 ( 7 ) Notice requirements for negative credit reporting Please investigate this matter and respond in writing within 30 days, as required by the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Per 15 us code s1692g collection agency has 30 days to provide requested information such as contract since my first dispute I have asked for this information which is my rights. Going on for 3 months now 3 times the allowed time in each of my disputed TransUnion and equifax has ignored my requested information along with my rights and broken federal law in doing so. Based on federal law alone XXXX XXXX XXXX XXXX XXXX XXXX should be deleted as I have asked for multiple times. Also the implemented law of XXXX  have been violated the sec collection has been on my credit for going on 5 months. Yet I havre not heard a word from them. The only resistance is the credit agencies fighting to keep them on while breaking federal and consumer law while also depriving me of my rights to request. Reason collection company has not presented me with requested information through TransUnion or equfax disputes is because one doesnt exist belongs to XXXX XXXX. But we are way past that per federal and consumer law. Question is how is this information even being validated why are my rights not being taken in consideration the main job of TransUnion and equifax is to report accurately and fair. They have failed me miserably and refuse to listen to me. They have turned my life upside down and have caused me months of unnecessary hardship for my family and I. Im in fear of their outlesh. As what XXXX did to me yesterday goes to show what they are capable of doing XXXX added two disputes I never did address disputes and took the two disputes that I had been waiting on and put them in like I just disputed them yesterday and the two address disputes they added came in their place Im in fear of the unknow and also what did they add or take off within those disputes I will not dispute to these companies any further because of the malicious act XXXX did yesterday to me in fear that Equifax and TransUnion will follow suite . Im officially putting my dispute through the CFPB its in blackb and white these 2 collections must be removed per federal and consumer law period these collection companies are out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
i dispute on experian because other 2 companies XXXX  and XXXX found that account report wrong information and they fix but experian is not reporting correctly.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XXXX and XX/XX/XXXX, after losing my credit card, I noticed over 60 unauthorized transactions totaling more than {$2000.00}. I immediately contacted Chase and filed a fraud claim, for which I received a refund of the disputed amount ( and the credit card is deactivated ). However, on XX/XX/XXXX, Chase reversed the refund by recharging my account for ~ {$2000.00}, claiming they found no evidence of fraud. On XX/XX/XXXX, I visited a Chase branch, and with the assistance of the branch manager and a representative from the fraud department, my claim was reopened. Yet, on XX/XX/XXXX, I was informed that the investigation still showed no fraudulent activity and that the transactions were made using XXXX XXXX on the same device I currently usea claim that is impossible since I have never made purchases with my phone on those transactions. ( for example, my card never had any transactions associated with stores like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX before the fraud happens )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) and data breaches, that you the Experian credit reporting agency, block and delete 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 XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX Balance {$5100.00}, XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX Balance {$1200.00}, Address : XXXX XXXX XXXX XXXX, TX 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 2025-02-23 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: IL

Complaint narrative:
I am writing because I am very concerned about some discrepancies between the credit report entries regarding the account from XXXX ( Account Number : XXXX ), which is reported on both my XXXX and Experian credit reports. The conflicting information provided by these bureaus constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Below is a summary of the discrepancies I have identified between the reports from XXXX and Experian : XXXX Report : Account Balance : {$11000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Dispute Status : Account information disputed by consumer, meets FCRA requirements Account Description : Collection/Chargeoff Payment Status : None Reported Creditor Name : XXXX XXXX XXXX XXXX Experian Report : Account Balance : {$11000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Closed Dispute Status : Customer disputed account reported by subscriber Account Description : Collection/Chargeoff Payment Status : None Reported Creditor Name : XXXX XXXX XXXX As shown , the information reported by XXXX and Experian differs in the date opened, account status, and the creditor name associated with this account. Specifically, XXXX lists the account as open with an opening date of XX/XX/XXXX, whereas Experian indicates it is closed with a XX/XX/XXXX opening date. Additionally, the creditor names provided on each report differ : XXXX lists it as " XXXX XXXX XXXX XXXX, '' while Experian reports it as " XXXX XXXX XXXX. '' These discrepancies are concerning, as they negatively affect the accuracy of my credit report and, as a result, my credit score. Under the FCRA, I am entitled to an accurate and complete credit report, and I request that you conduct a thorough investigation into this matter. This is a violation of my rights as this information isn't fair, complete, or 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 explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies.

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Against TransUnion for Violations of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally file a complaint against TransUnion for their failure to report accurate information on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related identity theft laws. 

TransUnion has neglected its responsibility to ensure the accuracy of the information it reports, as mandated by the FCRA ( 15 U.S.C. 1681 et seq. ). Specifically, Section 607 ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information. Despite providing verifiable evidence of inaccuracies, TransUnion has refused to correct these errors. 

Additionally, if TransUnion accessed my credit report without my permission and deleted a positive account, this action is a clear violation of the FCRA, as it involves unauthorized access to my personal financial data. Such actions not only harm my credit score but also infringe upon my rights as a consumer. 

The consequences of these violations are serious, and I have been adversely affected by the inaccuracies reported by TransUnion. I request the CFPB 's intervention to ensure that TransUnion is held accountable for its actions and that my credit report is corrected promptly. 

Identity theft is also a crime under other federal statutes, including : Identification fraud ( 18 U.S.C. 1028 ) Credit card fraud ( 18 U.S.C. 1029 ) Computer fraud ( 18 U.S.C. 1030 ) Mail fraud ( 18 U.S.C. 1341 ) Wire fraud ( 18 U.S.C. 1343 ) Financial institution fraud ( 18 U.S.C. 1344 I DIDN'T GIVE TRANSUNION WRITTEN CONSENT TO ACCESS MY CREDIT REPORT, WHEN THEY ACCESSED THEY DELETED POSITIVE ACCOUNTS FROM 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 2025-02-23 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Iam writing to formally dispute a late payment entry on my credit card TJX rewards card number XXXX account which I believe has been reported in error. 

On XX/XX/year> sent a XXXX dollars payment on line however I recently checked my credit report and notice that my payment was marked late. Upon reviewing my records, I recalled that the bank representative who assisted me with the payment neglected to provide me with receipt. At the time, I trusted that the transaction had been processed correctly. Now due to this report error, my credit score has been negatively impacted. 
I would appreciate your prompt attention to this matter, as this incorrect reporting is unfairly affecting my creditworthiness. Please let me know if you require any addtional information to facilitate this correction. 

Thank you for your time and assistance

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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion has been working on an error that prevents my account from properly updating for months. I can not submit a dispute and I have not received resolution

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