vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: MS

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 2025-03-14 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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 have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc.
State: MI

Complaint narrative:
The debt has been charged off by the original company but the collection company keeps calling and protecting me. The name of the company is First National collection Bureau. The debt has been charge off by XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: VT

Complaint narrative:
Im frustrated by the inaccuracies on my report that are needlessly lowering my scores. These errors have already led to unfair obstacles and higher costs, and I shouldnt have to deal with them.

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 2025-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
My credit report was just hit on XX/XX/XXXX for medical debt that I have not received anything about claiming that I owe this money. I have not been contacted by anyone about this debt. I want to see the bills for these debt amounts and a full breakdown showing proof that these debts belong to me because Im not even sure these belong to me. They are both from LOCKHART, MORRIS AND MONT and the debts they claim as mine are in the amounts of {$990.00} from XX/XX/XXXX and {$590.00} from XX/XX/XXXX. They updated the balances on XX/XX/XXXX causing my credit score to drop once again after I have worked so diligently to build it up. Their contact information is ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I requested the credit bureau to investigate the inaccuracies in this account, XXXX  # XXXX to ensure accuracy. On XX/XX/year>, the credit bureau sent their investigation results stating the account was verified and updated. This can't be correct as the LAST PAYMENT MADE date remains incorrect. And The FCRA prohibits inaccurate or misleading reporting under FCRA 605 ( a ) ( 15 U.S.C. 1681c ) A charge-off may only be reported for 7 years from the date of first delinquency. Multiple listings may create an unfair extension of negative reporting. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, the credit bureau must provide the names and business addresses of everyone with whom you verified the information. Please send me an updated copy of my credit report after your re-investigation.

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 2025-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: IL

Complaint narrative:
Subject : Dispute of Incorrect Late Payment on Auto Lease Account VOLKSWAGEN CREDIT INC. 
Complaint Type : Incorrect information on my credit report Description of the Issue : I am disputing an inaccurate late payment mark reported on my Volkswagen Credit Inc. auto lease account ( Account Number : XXXX ). My account details are as follows : Creditor : Volkswagen Credit Inc. 
Account Type : Auto Lease Recent Balance : {$9700.00} Date Opened : XX/XX/XXXX Monthly Payment : {$610.00} Despite my consistent on-time payments, a late payment for XX/XX/XXXX is being inaccurately reported by all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX I have never made a late payment on this account, and this negative mark is entirely erroneous. 

Applicable Laws & Consumer Rights Violations : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Creditors must report only accurate and verifiable information. Reporting a late payment that never occurred violates this provision.

FCRA 15 U.S.C. 1681i ( a ) : Consumers have the right to dispute inaccurate credit report information, and credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving the dispute.

FCRA 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy in consumer reports. The reporting of a false late payment contradicts this requirement. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) : It is unlawful to communicate false credit information, including incorrect late payments, which can negatively impact my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complaint Number : XXXX To Whom It May Concern, I am writing in response to Experians reply to my original complaint submitted on XX/XX/year>. This marks the third time I have attempted to resolve this issue, yet Experian has failed to take the necessary actions to correct my report or provide me access to my credit report as required by law. Despite their claim of conducting a reinvestigation and verifying the disputed information, my issue remains unresolved.

Outstanding Issues : Failure to Provide Credit Report I still can not obtain my credit report from Experian, which is a fundamental right under the FCRA ( 15 U.S.C. 1681j ).

Lack of Proper Investigation Experian states that they contacted the data furnishers, yet the disputed information remains incorrect. Their response lacks transparency regarding the steps taken to ensure accuracy.

Pattern of Non-Compliance This is my third attempt to resolve this issue, yet Experian continues to ignore my rights under the Fair Credit Reporting Act ( FCRA ). Their repeated failure to correct the issue or provide access to my credit report demonstrates a pattern of non-compliance. 
Request for CFPB Intervention : I respectfully request that the CFPB take immediate action to ensure Experian : Provides me with immediate access to my free credit report as required by law. 
Conducts a thorough reinvestigation of my disputed items with proper documentation of verification. 
Ceases its pattern of delaying consumer requests and complies with all applicable consumer protection laws.

This ongoing issue reflects poorly on Experians commitment to transparency and consumer rights. Given that this is my third attempt at resolution, I urge the CFPB to take stronger enforcement actions against Experian to ensure compliance. 

Thank you for your time and assistance. I look forward to a resolution to this matter. 

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: AZ

Complaint narrative:
An unauthorized non government employee accessed my financial records and social security number without my consent. XXXX XXXX and his XXXX team had no permission from me to access my information. 

XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
Please review. 

My financial aid data was accessed in early 2025 without my permission by XXXX. 
XXXX advises unauthorized access or sharing of student records is a violation. 
This XXXX constitute a XXXX XXXX involving protected student information. 

Please advise on this.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN, XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX Amount XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Amount XXXX Subject : Dispute of Negligent Non-Compliance - Case Number XXXX Dear Experian, Transunion, and Eqifax I hope this letter finds you well. I am writing in reference to the ongoing civil matter regarding case number XXXX. After a thorough review of the facts and circumstances surrounding this case, I am disputing the claim of negligent non-compliance and would like to formally raise my concerns. 

It has come to my attention that there are several aspects of the case in which there appears to be a failure to comply with the necessary regulations and responsibilities. Specifically, I would like to highlight the following points : 1.Failure to meet regulatory deadlines : On XXXX Equifax, Trans union , and Experian was required to submit documentation showing proof that my indentity was not stolen in accordance with purchases under my social security number. However, this deadline was missed without any prior notice or valid explanation. Despite repeated requests for updates on multiple cases, no action was taken to address or fulfill this requirement, demonstrating clear negligence in complying with the established procedures. 
On XX/XX/XXXX, I discovered that my personal information had been used without my consent, including numerous opened accounts from a furniture store i never went to, multiple phone stores and retails. Despite notifying all XXXX credit companies and providing all required documentation, there has been a lack of follow-up or action on their part. As a result, my identity continues to be misused, and I have not received any updates regarding the investigation or any steps taken to resolve this issue, demonstrating clear negligence in handling such a serious matter. 

I believe that these failures are a direct result of negligence, and I am requesting that this issue be thoroughly investigated. Given the seriousness of these actions and their potential impact, I respectfully ask that the responsible parties be held accountable for their non-compliance. 

Please let me know the next steps to move forward with addressing this dispute. I look forward to resolving this matter promptly. Should you need further documentation or clarification, I am available to provide whatever is required. 

Thank you for your attention to this matter. I trust that we can resolve this issue in a fair and timely manner. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wire transfered money from Citi Bank in California to Citibansmex Bank in XXXX. The wire transfer did not go through & Citi Bank is taking the funds from 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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against American Express regarding the unjustified suspension of my credit card account without prior notice or explanation. 

I have been an AMEX cardholder for XXXX  years with a spotless payment history and a {$35000.00} credit limit. Despite my responsible usage, my card was abruptly suspended without any prior request for financial documentation. I was later informed that my account was under a " financial review '' and that I was required to submit bank statements within 14 days or risk further action, including possible account closure. 

This process was handled in a highly unprofessional and irresponsible manner for the following reasons : Lack of transparency : AMEX failed to provide a clear reason why my account was flagged for review. 
Unjustified suspension : My card was frozen before I was given a chance to submit documents or respond. 
Severe disruption : My AMEX card is linked to multiple auto-payments, memberships, and essential services, which were negatively impacted due to the sudden suspension. 
Failure in customer service : Despite multiple attempts to resolve this issue, I was repeatedly told that a supervisor would call me back within XXXX hours. Instead, I waited XXXX hours for a callback, only to receive no real explanation for the suspension. The supervisor did not provide a reason for the review or offer to reinstate my card. Instead, they robotically repeated that it was company policy without addressing my concerns. 
Offshored and unhelpful customer service : Each time I called AMEX, I was routed to customer service representatives in XXXX who provided no clear answers or solutions. I was also informed that the financial team responsible for suspending my account is based in XXXX. The complete lack of direct access to a XXXX representative with actual authority to resolve this issue is unacceptable for a company that prides itself on premium service. 
This reckless action could have left me in a compromising financial position, especially if I had been traveling or relying on this card for essential payments. As a long-time customer, I find it unacceptable that AMEX would XXXX such extreme action without any warning or valid justification. 

I appreciate the CFPBs assistance in addressing this matter. Please let me know if any additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
15 U.S. Code. 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the days of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts, and I have the right to privacy. Please be reminded, no consent is identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCU XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MS

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 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