vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the FCRA, you must be able to prove that you have verified and validated all information on my credit report, even if it has not been challenged. This includes providing me with copies of all original documentation, such as contracts, applications, and statements. If you are unable to provide this documentation, you must remove inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
Under the FCRA, you must be able to prove that you have verified and validated all information on my credit report, even if it has not been challenged. This includes providing me with copies of all original documentation, such as contracts, applications, and statements. If you are unable to provide this documentation, you must remove inaccurate information on 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 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
I stopped automatic withdrawals but I will still owe to this company. I am drowning in the payments and I am struggling. I need help with paying off this loan because I cant. The amount you pay ends up being way more than the loan itself and it is a complete ripoff!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I reached out to Chime bank, which is XXXXXXXX XXXX about an dispute that I want to cancel. I talked with chime agent to dispute {$400.00} from XXXXXXXX XXXX XXXX. I uploaded document proven that I made an error on the XXXXXXXX XXXX XXXX Chime bank gave me a temporary credit of {$400.00} to do the investigation. After a month later on XX/XX/year> chime bank Reversed the {$400.00} off my account which it made my account overdrawn a - {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
On [ XX/XX/year> ], I reviewed my credit report and saw that Eastern Account System had placed a collection account on my report. Prior to this, I had never received any written notice from the company regarding the alleged debt. 

To my knowledge, there was no communication sent to me providing the opportunity to dispute or validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). I did not receive any notice within XXXX  days of a first communicationif one occurred at all. 

I believe this violates my rights under federal law, specifically 15 U.S.C. 1692g, which requires collectors to notify consumers in writing of the debt and their rights to dispute it. I am requesting that this matter be investigated and the account be removed from my credit report until proper legal procedure is followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-23 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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 XXXX  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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 XXXX  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 XXXX  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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Midland Credit Management , Inc. for their unlawful attempt to collect a debt from me that I do not owe. I have valid documentation showing I am the lender or creditor, not the borrower, in this transaction. Despite this, Midland has : Attempted to collect the debt Reported it to credit bureaus Refused to provide proper validation Continued collection efforts despite being notified of the mistake Key Violations : 1. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) : 807 False representation of the legal status of a debt 809 ( b ) Failure to validate debt after written request 805 ( c ) Continued communication after dispute 2. FCRA Violations ( 15 U.S.C. 1681s-2 ) : Reporting of inaccurate or unverifiable information to consumer reporting agencies XXXX. XXXX  Code Violations ( IC 24-5-15 ) : 24-5-15-2 and -3 Attempting to collect from the wrong person 24-5-15-5 Harassment and unfair collection practices Bulk Purchasing Practices Documentation Failures : Midland Credit Management is known to acquire debts through bulk purchasing of delinquent accounts, often without receiving adequate documentation to verify the accuracy or legal enforceability of each debt. In this case, it appears the alleged debt was purchased without proper chain-of-title documentation or borrower identification, leading to this wrongful collection attempt against me. 

The lack of reliable, original documentation violates the FDCPA 's requirement for debt verification and misrepresents the legitimacy of the debt. XXXX Deceptive Consumer Sales Act ( IC 24-5-0.5 ) also prohibits misleading representations in the course of business, including the attempt to collect debts without lawful authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is tremendously hurting my ability to obtain credit and a mortgage ( XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX ). Its my understanding that each credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  XXXX ( account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit as XXXX XXXX XXXX trying to buy a house for his family. I have paid the account through a PAY TO DELETE, and it has not been honored. The credit bureau failed to investigate this account properly after I repeatedly asked to have the account updated/REMOVED and once again that has violated my consumer rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX  XXXX ( 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 2025-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unfair reporting by XXXX XXXX, account number XXXX, on my credit report. 
This account was paid in full to the assigned collection agency, XXXX, under the terms of a Pay for Delete agreement. However, XXXX XXXX has failed to honor that agreement and continues to report the account as a charged-off tradeline, which is both misleading and harmful to my credit profile. 
As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request the removal of this item from my credit report, as it is either inaccurately or unfairly reported based on the prior agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In Accordance with the Fair Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under. 15 USCS 1666B a creditor may not treat a payment on a credit account on a open consumer plan as late for any purpose. I have disputed this information with the credit Bureaus About the XXXX delinquent payment and had gone over the XXXX  day mark with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
In Accordance with the Fair Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under. 15 USCS 1666B a creditor may not treat a payment on a credit account on a open consumer plan as late for any purpose. I have disputed this information with the credit Bureaus About the XXXX delinquent payment and had gone over the XXXX  day mark with no 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 2025-04-23 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-23 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: WA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XX/XX/XXXX, my card ending in XXXX was declined during a store purchase. Shortly after, I received a text message indicating that my card was blocked and provided a number to call. Upon calling, I was informed that the block was a preventive measure and was sent a link to authenticate. Despite multiple attempts, the authentication process failed, requiring me to mail copies of my driver 's license and utility bill to Synchrony Bank 's Fraud Department. 
On XX/XX/XXXX, I called to confirm receipt of my documents but was told they had not yet arrived. A note was supposedly made to prioritize my case, and I was sent another authentication link, which again failed. This situation repeated on XX/XX/XXXX. 
On XX/XX/XXXX, I called again and was informed that my documents were not received. The representative said that the address that I used : Synchrony Bank, Attention : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX was incorrect ( Go figure! ). Consequently, my personal information is now exposed. Additionally, my credit card remains blocked, preventing me from making purchases or paying my monthly bill, resulting in a late fee of {$29.00}. My card has been blocked for 37 days without a reasonable solution. 
This has been a significant inconvenience and a poor customer service experience. As requested, I am sending copies of my driver 's license and utility bill via certified mail and expect this issue to be resolved within the next 7 days.

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 2025-04-23 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: TX

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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