vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: CT

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 explanation
Consumer complaint received 2025-04-11 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: CT

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 explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX I am writing to formally dispute late payments on my XXXX  XXXX card which was formally a XXXX XXXX XXXX. I will be attaching that account which shows no lates as well as other accounts associated to the account with the late payment. What I believe happened was I was not notified of the changes that the XXXX XXXX  had been bought by XXXX XXXX or maybe through the changes notification were over looked or just didn't come as those things do occur not to put fault on myself or on XXXX  XXXX. If I may ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681s-2 This late error was beyond my control, and I demand that it is fixed to never late. The report also shows different opening dates as well as amount owed. Again if you look over the reports I am sending you can see the error occurred when the company switched from XXXX to XXXX  XXXX. It showing late on XXXX accounts as well as you can see by the XXXX screen shots | have attached and I know I'm losing way extra points for that as well. I attached a receipt dated XXXX with my identification renewal as well as my voter registration card to help with identification purposes. Thanks for your time and help. Name of company : XXXX XXXX account XXXX. : XXXX Amount. : {$200.00} Opening Date. : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX I am writing to formally dispute late payments on my XXXX  XXXX card which was formally a XXXX XXXX XXXX. I will be attaching that account which shows no lates as well as other accounts associated to the account with the late payment. What I believe happened was I was not notified of the changes that the XXXX XXXX  had been bought by XXXX XXXX or maybe through the changes notification were over looked or just didn't come as those things do occur not to put fault on myself or on XXXX  XXXX. If I may ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681s-2 This late error was beyond my control, and I demand that it is fixed to never late. The report also shows different opening dates as well as amount owed. Again if you look over the reports I am sending you can see the error occurred when the company switched from XXXX to XXXX  XXXX. It showing late on XXXX accounts as well as you can see by the XXXX screen shots | have attached and I know I'm losing way extra points for that as well. I attached a receipt dated XXXX with my identification renewal as well as my voter registration card to help with identification purposes. Thanks for your time and help. Name of company : XXXX XXXX account XXXX. : XXXX Amount. : {$200.00} Opening Date. : 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 2025-04-11 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: SC

Complaint narrative:
The following accounts are not mine and were not authorized and need to be removed immediately! 
XXXX Account Number : XXXX The following inquiries were unathorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-11 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:
After looking at my credit reports, I saw some late payments on my account, even though I've maintained all on-time payments. Accurately reporting consumer information plays a huge role in consumer reporting agencies. All the information must be reported with XXXX percent accuracy. I've never missed any payments on this account : XXXX, XXXX. I request a thorough investigation into these discrepancies. I also urge the provision of evidence, such as statements demonstrating the lateness of this payment. If unable to provide proof, I demand that this payment be immediately updated to its true status of on time. I consistently upheld my payment obligations without any delay or lateness, so my profile should reflect that.

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 2025-04-11 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: FL

Complaint narrative:
This morning, I was extremely frustrated to find an unauthorized inquiry on my credit report. I check it regularly and never expected something like this to appear out of nowhere. I even refreshed my browser thinking it was just a glitch, but the inquiry remained. I need this matter looked into immediately, and I ask that the documents I submitted be reviewed thoroughly to prevent this from ever happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im very upset to see an unauthorized inquiry suddenly show up on my credit report today. Ive been monitoring my report consistently and have never seen this before. I tried refreshing the browser, hoping it was an error, but unfortunately, it wasnt. I urgently request a detailed review of the documents Ive submitted so I dont have to deal with this type of XXXX  again.

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 2025-04-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


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, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-04-11 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: CA

Complaint narrative:
Account opened with XXXX XXXX in XXXX Hard Inquiry inquired with XXXX XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account opened with XXXX XXXX in XXXX Hard Inquiry inquired with XXXX XXXX XXXX on 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 2025-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
Repossession without allowing me to come to a resolution to agree to mail the payment in.. XXXX in the executive office today at XXXX Pacific time on my end was false stating. She refused to let me speak to her supervisor and was very combative over a recorded call. XXXX in the executive department... didn't handle the call correctly. 

She made some statements over the phone that was inappropriate it was unprofessional of her in regards to my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX  -Employer - XXXX XXXX -Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX -Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
In XXXX of 2024, I put a dispute into four of the credit bureaus. XXXX, XXXX, XXXX and XXXX, XXXX collections on my credit report. These collections are charge offs and write offs. ( XXXX ) XXXX XXXX {$940.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX account # XXXX. Phone : XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. {$770.00} Account # XXXX Address XXXX XXXX XXXX XXXX, SC XXXX. Phone : XXXX ( This is not my account ). ( XXXX ) XXXX {$700.00} Address XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX # XXXX Called Customer service spoke with XXXX. She advised she did not find me in the XXXX data search. ( XXXX ) XXXX {$360.00} Address XXXX XXXX XXXX XXXX, OH XXXX. Account # XXXX Charge OFF. ( XXXX ) XXXX {$1000.00} Address XXXX XXXX XXXXXXXX XXXX, WI XXXX Phone XXXX Account # XXXX. Report number XXXX. I requested a 1099c document and did not receive anything. I am filing a complaint. To request the document through the CFPB now. In hopes this matter will be taken care of expeditiously! Thank You so much for your attention in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX  -Employer - XXXX XXXX -Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX -Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-11 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX  -Employer - XXXX XXXX -Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX -Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Today, XX/XX/XXXX, I received a text indicating a purchase was made on my XXXX account for an amount totaling over {$700.00} ( XXXX controller, XXXX accesory kit and a tv ). I contacted XXXX and the charge was cancelled but my account had been compromised and my email was then inundated with over XXXX emails subscribing me to various places. I requested my XXXX account be cancelled.

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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