vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a compliant and the credit companies failed to do a proper investigation instead just sent a generic response while keeping the issue on my credit. I have included their response and also the laws on how this is illegal and how they have already been sued for this same issues. Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian for Failure to Properly Investigate Credit Report Errors Date : XX/XX/XXXX I am filing a complaint against Experian regarding their failure to properly investigate and resolve errors on my credit report, despite multiple disputes and clear violations of the Fair Credit Reporting Act ( FCRA ). Background : I have been actively working to repair my credit and have sent multiple dispute letters to Experian regarding the inaccuracies on my credit report. Despite myefforts, Experian has not complied with the requirements of the Fair Credit Reporting Act, specifically : 15 USC 1681e ( b ) Duty to maintain reasonable procedures to ensure maximum accuracy of the information in my credit report. 15 USC 1681s- 2 Requirements for data furnishers to provide accurate information and correct any inaccuracies. 15 USC 1681i ( 5 ) Failure to complete the required reinvestigation of my disputes in a timely manner. 15 USC 1681c ( c ) Failure to remove or correct information that should have been deleted under the law. Details of the Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite submitting disputes and providing supporting documentation to prove the inaccuracies, Experian has failed to conduct a reasonable and thorough investigation into these accounts. I have reviewed the recent CFPB lawsuit ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ), and the pattern of Experians failure to properly investigate disputes and remove inaccurate information further supports my case. Experians actions ( or lack thereof ) have directly harmed my ability to access credit, housing, and employment. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a compliant and the credit companies failed to do a proper investigation instead just sent a generic response while keeping the issue on my credit. I have included their response and also the laws on how this is illegal and how they have already been sued for this same issues. Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian for Failure to Properly Investigate Credit Report Errors Date : XX/XX/XXXX I am filing a complaint against Experian regarding their failure to properly investigate and resolve errors on my credit report, despite multiple disputes and clear violations of the Fair Credit Reporting Act ( FCRA ). Background : I have been actively working to repair my credit and have sent multiple dispute letters to Experian regarding the inaccuracies on my credit report. Despite myefforts, Experian has not complied with the requirements of the Fair Credit Reporting Act, specifically : 15 USC 1681e ( b ) Duty to maintain reasonable procedures to ensure maximum accuracy of the information in my credit report. 15 USC 1681s- 2 Requirements for data furnishers to provide accurate information and correct any inaccuracies. 15 USC 1681i ( 5 ) Failure to complete the required reinvestigation of my disputes in a timely manner. 15 USC 1681c ( c ) Failure to remove or correct information that should have been deleted under the law. Details of the Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite submitting disputes and providing supporting documentation to prove the inaccuracies, Experian has failed to conduct a reasonable and thorough investigation into these accounts. I have reviewed the recent CFPB lawsuit ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ), and the pattern of Experians failure to properly investigate disputes and remove inaccurate information further supports my case. Experians actions ( or lack thereof ) have directly harmed my ability to access credit, housing, and employment. Thank you for your attention to this matter. Sincerely,

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 2025-03-21 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-21 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: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-22 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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 2025-03-21 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comp
ly 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they
are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from The Bureaus for an alleged debt originally from XXXX XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Inconsistent " Date Opened '' ( FCRA 609 Violation ) The account has different " Date Opened '' values across bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Credit reporting agencies must provide uniform, accurate data. 
Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Date Last Active '' was updated from XX/XX/XXXX to XX/XX/XXXX, falsely making the debt appear newer.

Debt collectors can not manipulate reporting dates.

Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is marked as both a Charge-Off and a Collection, which is misleading.

The account can not legally be both, and this is a false representation of debt.

Dispute Handling Issues ( FCRA 611 Violation ) The account has been disputed, but no proof of verification was provided.

Under FCRA 609 ( a ) ( 1 ), I am requesting the original documentation used to verify the debt.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide : A signed original contract.

An itemized breakdown of the debt.

Proof that The Bureaus has the legal right to collect this debt.

If this can not be provided, this account must be deleted immediately.

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 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against TekCollect for attempting to collect a debt on behalf of XXXX that I do not legally owe due to a breach of contract by XXXX. 

I received a collection notice from TekCollect for an alleged debt related to my XXXX treatment. However, XXXX failed to fulfill their contractual obligations as my treatment was both incomplete and ineffective. As a result, I disputed the debt directly with TekCollect via email, requesting debt validation and providing a copy of my agreement as evidence. 

Under the Fair Debt Collection Practices Act ( FDCPA ), TekCollect was required to cease collection efforts until the debt was validated. However, they failed to provide proper validation within the required XXXX period and continued collection efforts. This constitutes a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good afternoon, In XX/XX/XXXX, purchased a car through a dealer and financed the vehicle. I made each payment on time and in XXXX of XXXX, I paid the remaining balance on the vehicle. Capital One released said vehicle and issued Me a letter of satisfaction relating the {$0.00} balance. 
However the vehicle loan has and to this day remains on My credit report, showing active payments and a balance that did not move until a dispute was file and they lowered the balance from about {$9500.00} to approximately {$6500.00}. ( The credit company and Capital One were in contact enough to lower the balance but there should be no balance ) This debt is effecting my debt to income ratio and credit report. I called the credit bureaus and disputed the claim, they're relating that they can only go off what information Capital One provides them. The information that Capital One is providing is false, even if it works to my benefit down XXXX XXXX by showing consecutive payments ( as XXXX Capital One representative mentioned ), my issue is that I don't have a balance, I have not been making payments and the fact that they can misrepresent payments is alarming. In this instance it shows positive payments but there are no payments made, I paid it off completely. Nothing is stopping Capital One from making all of these consecutive payments into non payments or late payments and I have no recourse to fight it. All that I am asking for is to please have everything reflected accurately, Capital One close the account and remove the balance from My credit XXXX reports entirely. 
Thank you for your time in reading this.

Company response to consumer: Closed with explanation