vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-14 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: GA

Complaint narrative:
There has been an identity theft going on with my Equifax credit report as someone tried to apply for a credit card with a banking institution called " XXXX XXXX  '' on XX/XX/year> using my SSN and other details without my consent or knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud. These fraudulent activities have resulted in unauthorized collections accounts that I do not recognize and were not initiated by me. I have attached a list of these fraudulent collections accounts, along with a copy of my consumer credit report that highlights the disputed items. I have also included the FTC Identity Theft Criminal Complaint Number as proof that these items are the result of identity theft. XXXX bal XXXX {$590.00} acct. XXXX. Acct. XXXX, XXXX Acct. XXXX {$65.00}, US DEPT ED. BAL. {$13000.00} ACCT. XXXX8, US DEPT ED. BAL. {$11000.00} ACCT. XXXX, US DEPT ED. BAL. {$14000.00} ACCT. XXXX, US DEPT ED. BAL. {$14000.00} ACCT. XXXX, US DEPT ED. BAL. {$8800.00} ACCT. XXXX, US DEPT ED. BAL. {$23000.00} ACCT. XXXX,, US DEPT ED. BAL. {$6400.00} ACCT. XXXX,, US DEPT ED. BAL. {$3500.00} ACCT. XXXX,, US DEPT ED. BAL. {$3400.00} ACCT. XXXX,, US DEPT ED. BAL. {$7400.00} ACCT. XXXX,, US DEPT ED. BAL. {$7800.00} ACCT. XXXX,, US DEPT ED. BAL. {$10000.00} ACCT. XXXX,, US DEPT ED. BAL. {$5000.00} ACCT. XXXX,, US DEPT ED. BAL. {$8600.00} ACCT. XXXX,, US DEPT ED. BAL. {$6600.00} ACCT. XXXX. 
I have never given permission to anyone to report the above information to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account XXXX : XXXX Amount : {$0.00} Date of Account : 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 explanation
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
To Whom It May Concern I was just looking over my credit report and found some addresses, names, inaccurate numbers, and employers. Pursuant to the FCRA 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a request for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I demand any and all phone numbers be deleted. I demand my social security number and date of birth be removed from being displayed on my credit file due to security breaches and for privacy reasons. Delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 usc 1681 ( a ) ( 4 ) and all its subsections.

Please send me an updated credit report from three credit agencies once the changes are complete to my contact information listed. 
Thanking You In Advance 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 non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern I was just looking over my credit report and found some addresses, names, inaccurate numbers, and employers. Pursuant to the FCRA 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a request for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I demand any and all phone numbers be deleted. I demand my social security number and date of birth be removed from being displayed on my credit file due to security breaches and for privacy reasons. Delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 usc 1681 ( a ) ( 4 ) and all its subsections.

Please send me an updated credit report from three credit agencies once the changes are complete to my contact information listed. 
Thanking You In Advance XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
on XX/XX/XXXX, on my way to work another car ran into my vehicle the car got totaled i was not at fault the other driver who hit me was.On XXXX the insurance company issued a checked of the amount of XXXX to XXXX XXXX XXXX and the XXXX XXXX also issued checked of the amount of {$3900.00} on XXXX. The payment was made on time and believe the report of a late payment is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : {$0.00} Date of Account : 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 2025-01-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX  Company bought my home loan in XXXX of XXXX. When the loan transferred to them I set up automatic payments to be taken out of my checking account. This happened on XX/XX/XXXX. I set up auto pay to start in XXXX. I also made a payment on XX/XX/XXXX for XXXX. I have attached proof of this payment. The auto withdrawal was never taken out on XXXX end for XXXX and XXXX. When I became aware of the issue on XXXX end, I immediately made payments on XX/XX/XXXX and XXXX to become up to date with my loan. I have attached proof of those payments. XXXX put negative information in my credit report that I was 30 days past due for XXXX and XXXX. I asked XXXX to take those two hits off of my credit and they have refused because they said there was no error on their part. I have attached an email from XXXX XXXX at XXXX, where he states that I set up auto withdrawal on XX/XX/XXXX. This was an error by XXXX and I would like the two hits taken off of my credit report. I am unable to buy a new home at this time due to the hits placed on my credit by XXXX. 

It is important to note that I am not alone. XXXX had XXXX complaints filed with the XXXX  for XXXX, and XXXX total complaints over the last 3 years. Many of those complaints are people whom have had the same issue as myself. Also, XXXX XXXX  XXXX has been involved in multiple lawsuits, including class action lawsuits, that allege mishandled payments, improper fees, and unlawful debt collection practices. 
Convenience fees In XXXX, a class action lawsuit was filed against XXXX for charging unlawful convenience fees on telephone mortgage payments. The lawsuit alleged that the fees violated federal and state laws. The parties settled the lawsuit for {$1.00} XXXX, and XXXX agreed to stop charging convenience fees for at least two years. 
Debt collection XXXX has been accused of violating debt collection regulations by making excessive calls and failing to send timely debt validation notices. In Massachusetts, XXXX settled with the AG 's office for {$970000.00} and agreed to make business practice changes. 
Payment mishandling Borrowers have filed lawsuits against XXXX alleging that the company failed to record payments, improperly charged fees, and mishandled corrections. For example, one borrower alleged that XXXX repeatedly misapplied credits, resulting in late payments and fees. 
Other lawsuits against XXXX  include : XXXX XXXX XXXX XXXX  XXXX XXXX : This case was certified as a class action in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. In this lawsuit, XXXX XXXX sought to enjoin XXXX as her mortgage servicer.

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 2025-01-14 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: AL

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
My debt for a XXXX XXXX card was managed through The Bureaus, but then it was sent to XXXX XXXX XXXX. I started making payments to them in XXXX. I thought I had paid it off by XXXX, but the last amount of {$150.00} had bounced. I checked again in XXXX and saw that I still had a balance of {$180.00} which I paid by making three payments of {$63.00}, {$63.00}, and {$63.00} on XX/XX/year>. I waited a few months but my payment was never reported to the credit bureaus and I still see a {$180.00} on my credit reports. XXXX told me to contact The Bureaus which I did. They said that I still owed the {$180.00}. I sent them receipts from XXXX for the three amounts I paid in XXXX, screenshots of XXXX 's online portal which shows my account paid off, and even screenshots of my bank account that shows the payments. The Bureaus said they contacted XXXX and that XXXX said that they didn't receive the payments. The Bureaus also told me that the account had been transferred back to them before I made those last three payments- which I was never notified of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XXXXXX/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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/year>, I requested verbal confirmation from a support agent regarding the location/accessibility of my documents to people within the Ally organization, and other than a vague mention of " the back office '' ( who I was not able to speak to directly ), he was unable to confirm which department or persons were able to access my documents. In fact, not only could HE not see/validate that my documents had been uploaded into the Ally banking portal, he was unable to confirm where within the organization my documents were being hosted. 

He also was unable to confirm what had happened to the documents I uploaded on XX/XX/XXXX, and asked me to reupload them today. I did so, but I am no longer sure I can trust this organization to know where my documents are or to ensure they are not released outside the organization. This lack of transparency flies in the face of what GLBA and such federal laws were put in place to do : to protect my PII and PCI, and to protect my right to know what is happening with that information.

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 2025-01-14 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-01-14 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: FL

Complaint narrative:
I was reviewing my credit report and saw there were account that didnt belong to me. 
Please remove these accounts ASAP being they have not bee authorized by myself or anyone that I know of. These accounts have hurt my ability to gain credit in a fair marketplace which is a violation of my right under the fair credit act and the US Constitution.

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 2025-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
Company called my ex husband and threatened him. They threatened me, to come to my house and my office to garnish my wages.i was threatened and harassed. 

I paid an old bill and it was a scam.

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