vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian dropped my credit score by XXXX points the day after I paid off a car loan. I only performed activities that should theoretically improve my credit score, including paying off a loan and reducing the balances on all my other credit accounts, yet they still punished me for apparently paying off a loan. They don't respond to requests for information about why this would occur. In fact they only publish or offer information that states that my credit score should improve, not decrease. My credit score has dropped from the " Very Good '' category to the " Good '' category, which directly impacts the rates I'm able to receive if I want to apply for new credit or a loan.

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 2025-04-21 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to formally dispute a charge-off reported on my credit file by XXXX. Previously, there were some concerns that my payments were not being applied. I have made several attempts to communicate directly with the creditor/agency to resolve this matter and have consistently provided rebuttals challenging the validity of this charge. Despite my efforts, the issue remains unresolved, and I believe this account has been reported inaccurately or unfairly. 

Additionally, I want to address the predatory lending practices of this creditor. Every time I have attempted to make payments, I have been informed that I am still behind, despite paying in good faith. This has created a continuous cycle of payment issues, and now the creditor has gone so far as to charge off my account. I find this behavior to be both unjust and predatory, as I have made sincere efforts to fulfill my obligations. 

I request that the CFPB intervene and require the creditor to provide proper documentation for the charge-off or to remove the charge-off from my credit report. I also request that this matter be investigated for potential predatory lending practices. 

As a consumer and payee, I have always strived to be a responsible customer. Due to medical circumstances, there may have been a couple of missed payments, but I have never intentionally defaulted. They are now claiming that Ive missed more than one payment and have charged off my account. This is not accurate and I would like the charge-off removed from my credit report immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge inaccurate credit reporting and hold creditors accountable for their actions. I ask that my case be reviewed under these rights and that the charge-off be removed from my credit history on all three major credit bureaus. 

Another major concern is the lack of communication and poor customer service I have encountered while trying to resolve this matter. When requesting to speak to a supervisor, I have been refused transfers, and the wait times to speak to someone are often over an hour. This lack of response and support has only added to my frustration. As a retaliation by XXXX, they have sent my account to a collections agency and charged my account off unlawfully. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that the creditor provides proper documentation to validate the charge-off or corrects the reporting on my account. I appreciate your time and attention to this dispute. 

Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to formally dispute a charge-off reported on my credit file by XXXX. Previously, there were some concerns that my payments were not being applied. I have made several attempts to communicate directly with the creditor/agency to resolve this matter and have consistently provided rebuttals challenging the validity of this charge. Despite my efforts, the issue remains unresolved, and I believe this account has been reported inaccurately or unfairly. 

Additionally, I want to address the predatory lending practices of this creditor. Every time I have attempted to make payments, I have been informed that I am still behind, despite paying in good faith. This has created a continuous cycle of payment issues, and now the creditor has gone so far as to charge off my account. I find this behavior to be both unjust and predatory, as I have made sincere efforts to fulfill my obligations. 

I request that the CFPB intervene and require the creditor to provide proper documentation for the charge-off or to remove the charge-off from my credit report. I also request that this matter be investigated for potential predatory lending practices. 

As a consumer and payee, I have always strived to be a responsible customer. Due to medical circumstances, there may have been a couple of missed payments, but I have never intentionally defaulted. They are now claiming that Ive missed more than one payment and have charged off my account. This is not accurate and I would like the charge-off removed from my credit report immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge inaccurate credit reporting and hold creditors accountable for their actions. I ask that my case be reviewed under these rights and that the charge-off be removed from my credit history on all three major credit bureaus. 

Another major concern is the lack of communication and poor customer service I have encountered while trying to resolve this matter. When requesting to speak to a supervisor, I have been refused transfers, and the wait times to speak to someone are often over an hour. This lack of response and support has only added to my frustration. As a retaliation by XXXX, they have sent my account to a collections agency and charged my account off unlawfully. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that the creditor provides proper documentation to validate the charge-off or corrects the reporting on my account. I appreciate your time and attention to this dispute. 

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to formally dispute a charge-off reported on my credit file by XXXX. Previously, there were some concerns that my payments were not being applied. I have made several attempts to communicate directly with the creditor/agency to resolve this matter and have consistently provided rebuttals challenging the validity of this charge. Despite my efforts, the issue remains unresolved, and I believe this account has been reported inaccurately or unfairly. 

Additionally, I want to address the predatory lending practices of this creditor. Every time I have attempted to make payments, I have been informed that I am still behind, despite paying in good faith. This has created a continuous cycle of payment issues, and now the creditor has gone so far as to charge off my account. I find this behavior to be both unjust and predatory, as I have made sincere efforts to fulfill my obligations. 

I request that the CFPB intervene and require the creditor to provide proper documentation for the charge-off or to remove the charge-off from my credit report. I also request that this matter be investigated for potential predatory lending practices. 

As a consumer and payee, I have always strived to be a responsible customer. Due to medical circumstances, there may have been a couple of missed payments, but I have never intentionally defaulted. They are now claiming that Ive missed more than one payment and have charged off my account. This is not accurate and I would like the charge-off removed from my credit report immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge inaccurate credit reporting and hold creditors accountable for their actions. I ask that my case be reviewed under these rights and that the charge-off be removed from my credit history on all three major credit bureaus. 

Another major concern is the lack of communication and poor customer service I have encountered while trying to resolve this matter. When requesting to speak to a supervisor, I have been refused transfers, and the wait times to speak to someone are often over an hour. This lack of response and support has only added to my frustration. As a retaliation by XXXX, they have sent my account to a collections agency and charged my account off unlawfully. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that the creditor provides proper documentation to validate the charge-off or corrects the reporting on my account. I appreciate your time and attention to this dispute. 

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I have inquiries on my account that I am not aware of, below I have uploaded a copy of my ftc 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 2025-04-21 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone, somehow gained access to my phone/account and sent numerous amounts of money thru XXXX XXXX and XXXX to different names and phone numbers, therefore leaving me with no money in my Account, which had to be closed. I had to borrow money and open a new Account just to pay my bills. The bank denied my claim twice stating that I authorized and/or benifited from the transactions. Why would I do that to myself? I also had to file a Police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 XXXX 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 2025-04-21 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:
To Whom it May Concern : My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. The transaction appears to relate to an apartment complex located in XXXX, Georgia. I have never lived in XXXX, Georgia. This is a clear result of identity theft. 


According to Law 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!

The transactions that have been detected don't pertain to any transactions that I, the consumer, have made : Account Name : XXXX XXXX XXXX  Account Balance : {$11000.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX has violated my rights by reporting a late payment for XX/XX/XXXX and XXXX XXXX. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Please update my XXXX XXXX XXXX XXXX XXXX Acct # : XXXX, account to Paid as Agreed/ Never Late. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Balance : {$32000.00} Date Opened : XX/XX/XXXX The following Hard Inquiries reporting are unauthorized. Please remove from my credit report : 1. XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: NM

Complaint narrative:
Transunion and Experian continue to report fraudulent inquiries on my credit report after i submitted an Identity Theft report. The following inquiries should be removed. Note : I included the reports i submitted for a second time.

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 2025-04-21 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief