vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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 explanation
Consumer complaint received 2025-03-27 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 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 non-monetary relief
Consumer complaint received 2025-03-27 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: IN

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-27 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: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened a bank account with Wells Fargo for the higher interest rate, but without warning Wells Fargo dropped my interest rate to almost nothing in XXXX. I received no notice from Wells Fargo, they dropped the interest rate without communicating with me in any form or fashion. I closed the account at the end of XXXX. All I want is back dated interest payments from XXXX or XXXX of XXXX for the interest rate I had in XX/XX/XXXX prior to the end of the year. I understand interest rates fluctuate, but its criminal to drop my accounts interest to XXXX without telling 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 explanation
Consumer complaint received 2025-03-27 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: NC

Complaint narrative:
I am writing to dispute the inaccurate late payment entries reported on my auto loan account. Specifically, I am disputing the late payments listed as follows : 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 30 Days Late I believe these late payments were inaccurately reported, and I am requesting their removal from my credit report in accordance with the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ).

Legal Grounds for Dispute : Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 et seq.

Under TILA, lenders are required to provide clear and accurate information about the credit terms, including payment schedules, interest rates, fees, and penalties. If I was not properly informed of the terms, including the consequences of late payments or the reporting practices for those payments, this may constitute grounds for the removal of the inaccurate late payments.

Specifically, I am concerned that I was not properly notified or did not receive adequate information about the penalty for late payments or how they would be reported to the credit bureaus, which may have resulted in unfairly reported late payments.

Fair Credit Billing Act ( FCBA ) - 15 U.S. Code 1666b ( a ) The FCBA ensures that consumers are entitled to accurate and timely reporting of credit information. Under FCBA Section 1666b ( a ), if a reported late payment was not properly validated or was inaccurately reported, it must be corrected. Since I dispute the accuracy of these reported late payments, I am invoking the FCBA to request that the incorrect entries be removed from my credit report.I am entitled to an accurate credit report under TILA and FCBA, and I am requesting that these inaccurate late payments be removed from my credit report as they do not accurately reflect my payment history or the terms of the loan agreement. 

Thank you for your attention to this matter. I look forward to your prompt response and the removal of the incorrect late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX OLD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report XXXX All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit 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 2025-03-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I entered into a payment agreement with XX/XX/XXXXto settle my debt owed to XXXX XXXX XXXX XXXX. The arrangement was facilitated through XXXX XXXX XXXX XXXX. I paid a total of {$13000.00}, which included {$9300.00} for the debt settlement and the rest in fees to XXXX XXXX XXXX. Despite fulfilling my obligation by XX/XX/XXXX, I did not receive a paid settlement letter from XXXX XXXX XXXX XXXX until recently, after filing a complaint with theXX/XX/XXXX 

Due to the absence of a settlement letter, XXXX XXXX XXXX XXXX sold the debt to XXXX XXXX in XX/XX/XXXX for the full amount of {$20000.00}, despite the debt being settled. When XXXX informed me that they had sold the debt and XX/XX/XXXX began their collection efforts, I provided XX/XX/XXXX with the settlement agreement we had reached. XX/XX/XXXX immediately issued me a Form 1099-C for the balance ( around {$11000.00} ), which I was responsible for in XXXX. 

Despite my efforts to resolve the issue, XXXX claims the matter is with XX/XX/XXXX even though it should have never gone to them as I had already paid for it before it was incorrectly ( and potentially illegally ) sold. None of the businesses involved know what happened and keep tossing me around like a hot potato. 

XXXX XXXX : I am seeking assistance from the CFPB to resolve this matter by having XXXX remove their negatively reported line of credit from all three main credit bureaus and recognize that they sold the debt twice : once in XXXX ( settled ) and again in XXXX ( after it had been paid ). 

Your prompt attention to this matter would be greatly appreciated.

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 2025-03-27 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: MD

Complaint narrative:
In XX/XX/XXXX, I entered into a payment agreement with XXXX XXXX XXXX XXXXo settle my debt owed to XXXX XXXX XXXX XXXX. The arrangement was facilitated through XXXX XXXX XXXX XXXX. I paid a total of {$13000.00}, which included {$9300.00} for the debt settlement and the rest in fees to XXXX XXXX XXXX. Despite fulfilling my obligation by XX/XX/XXXX, I did not receive a paid settlement letter from XXXX XXXX XXXX XXXX until recently, after filing a complaint with the XXXX 

Due to the absence of a settlement letter, XXXX XXXX XXXX XXXX sold the debt to XXXX XXXX in XX/XX/XXXX for the full amount of {$20000.00}, despite the debt being settled. When XXXX informed me that they had sold the debt and XXXX began their collection efforts, I provided XXXX with the settlement agreement we had reached. XXXX  immediately issued me a Form 1099-C for the balance ( around {$11000.00} ), which I was responsible for in XXXX. 

Despite my efforts to resolve the issue, XXXX claims the matter is with XXXX even though it should have never gone to them as I had already paid for it before it was incorrectly ( and potentially illegally ) sold. None of the businesses involved know what happened and keep tossing me around like a hot potato. 

XXXX XXXX : I am seeking assistance from the CFPB to resolve this matter by having XXXX remove their negatively reported line of credit from all three main credit bureaus and recognize that they sold the debt twice : once in XXXX ( settled ) and again in XXXX ( after it had been paid ). 

Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
In XX/XX/XXXX, I entered into a payment agreement with XXXX XXXX XXXX  to settle my debt owed to XXXX XXXX XXXX XXXX. The arrangement was facilitated through XXXX XXXX XXXX XXXX. I paid a total of {$13000.00}, which included {$9300.00} for the debt settlement and the rest in fees to XXXX XXXX XXXX. Despite fulfilling my obligation by XX/XX/XXXX, I did not receive a paid settlement letter from XXXX XXXX XXXX XXXX until recently, after filing a complaint with the XXXX 

Due to the absence of a settlement letter, XXXX XXXX XXXX XXXX sold the debt to XXXX XXXX in XX/XX/XXXX for the full amount of {$20000.00}, despite the debt being settled. When XXXX informed me that they had sold the debt and XXXX began their collection efforts, I provided XXXX with the settlement agreement we had reached. XXXX  immediately issued me a Form 1099-C for the balance ( around {$11000.00} ), which I was responsible for in XXXX. 

Despite my efforts to resolve the issue, XXXX claims the matter is with XXXX even though it should have never gone to them as I had already paid for it before it was incorrectly ( and potentially illegally ) sold. None of the businesses involved know what happened and keep tossing me around like a hot potato. 

XXXX XXXX : I am seeking assistance from the CFPB to resolve this matter by having XXXX remove their negatively reported line of credit from all three main credit bureaus and recognize that they sold the debt twice : once in XXXX ( settled ) and again in XXXX ( after it had been paid ). 

Your prompt attention to this matter would be greatly appreciated.

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 2025-03-27 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
My account with EXPERIAN 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.

EXPERIAN 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 2025-03-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-27 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
I am following up on my previous communications regarding the unverified collection account on my credit report. Despite multiple requests for deletion and assurances of an investigation, I have yet to receive any verification or confirmation of this items accuracy. 

Account in Question 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 2025-03-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, on XXXX XX/XX/year> a couple of applications to credit cards were done under my credit. I did not authorize any of these credit applications and tried calling both institutions, getting nowhere.

One inquiry was from Synchrony Financial with XXXX and the other one was from XXXX with XXXX. 

I tried solving this directly with them, but it has been impossible. I have not applied to any credit with these XXXX institutions, nor im i interested. Please help me removing these XXXX inquiries from my credit file, and most importantly making sure that whoever this impersonator is, does not apply to anything else. 

I already logged in to all the credit institutions and froze my credit as well as sent letters to both XXXX and XXXX, but it has been complicated to get a real answer. 

Please HELP! Images attached for both inquiries, i have no idea if they were approved or not, as they wouldn't share this, as well as the amount that they applied for. 

Thanks.

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 2025-03-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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