vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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 account with EQUIFAX EXPERIAN TRANSUNION 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 EXPERIAN TRANSUNION 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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Immediate Removal Demand of Inaccurate and Potentially Illegal Items Under 15 U.S. Code 1681c-2 To Whom It May Concern, This letter is to serve as a formal and urgent demand for the immediate investigation and removal of the following accounts from my credit report. These accounts are either outdated, inaccurate, unverifiable, or reported in direct violation of 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the law, you are prohibited from reporting obsolete, unverifiable, or paid debts, including certain types of medical debt, collection accounts with missing or incorrect information, or items that no longer meet the legal requirements for reporting. 
I am fully aware of my rights under federal law and expect strict compliance. If you are unable to verify the accuracy and legal reporting status of each item within 30 days, you are legally obligated to delete them from my credit file. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will pursue civil action for damages as permitted under the FCRA. 
This is your opportunity to correct these violations voluntarily. I expect written confirmation of the deletions and a full updated credit report once the reinvestigation is complete. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Immediate Removal Demand of Inaccurate and Potentially Illegal Items Under 15 U.S. Code 1681c-2 To Whom It May Concern, This letter is to serve as a formal and urgent demand for the immediate investigation and removal of the following accounts from my credit report. These accounts are either outdated, inaccurate, unverifiable, or reported in direct violation of 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the law, you are prohibited from reporting obsolete, unverifiable, or paid debts, including certain types of medical debt, collection accounts with missing or incorrect information, or items that no longer meet the legal requirements for reporting. 
I am fully aware of my rights under federal law and expect strict compliance. If you are unable to verify the accuracy and legal reporting status of each item within 30 days, you are legally obligated to delete them from my credit file. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will pursue civil action for damages as permitted under the FCRA. 
This is your opportunity to correct these violations voluntarily. I expect written confirmation of the deletions and a full updated credit report once the reinvestigation is complete. 

Sincerely, 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 2025-04-23 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:
I submitted disputes to all three credit bureaus ( TransUnion, Experian, and Equifax ) regarding inaccurate and unverifiable information on my credit reports. I followed all required procedures, including submitting written and online disputes, but the credit bureaus have failed to correct or remove the following inaccurate items : XXXX. XXXXXXXX XXXX ( Acct ending in XXXX ) Account is closed but falsely reports a {$1500.00} past due balance with no supporting payment history. 
XXXX. XXXX XXXXXXXX XXXX ( Acct ending in XXXX ) Account is closed with a {$0.00} balance but inaccurately marked as 60 days late. 
XXXX. XXXX XXXX XXXX ( Acct ending in XXXX ) Reports a {$920.00} past due balance despite being closed, with missing or inaccurate payment history. 
XXXX. Outdated Personal Information Old addresses and personal details remain on my credit report despite requests for removal. 

I filed disputes on XX/XX/year> : TransUnion : Case XXXX XXXXXXXX Equifax : Confirmation XXXX XXXXXXXX Experian : Confirmed via email ; awaiting final response These bureaus are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires a proper investigation within 30 days and removal or correction of inaccurate or unverifiable information. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires reasonable procedures to assure maximum possible accuracy of information reported. 
FCRA Section 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) : Gives me the right to request the sources and documentation used to verify the information which I have not been provided. 

These inaccurate and unverified items are causing harm to my creditworthiness and financial opportunities.

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 2025-04-22 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: MOHELA
State: NJ

Complaint narrative:
For the record, it has come to my attention that XXXX XXXX has an alleged outstanding balance of {$120000.00} owed to XXXX. To settle the debt obligation, I submitted IRS Form XXXX with the IRS in order to Tender this debt. The IRS has already accepted this filing and i am already in receipt of the IRS 1099 B sent to me by the IRS confirming the tender of this debt. A copy of this 1099 B will be attached to this complaint. This debt has been tendered in accordance with House Joint Resolution 192, UCC 3-606, the Electronic Funds Transfer Act of 1978, 15 USC 1693 et al. This debt has lawfully been tendered to a {$0.00} balance. Failure to adjust the records to reflect a XXXX balance after confirmed receipt of this notice shall constitute evidence that XXXX is guilty of XXXX, as well as Securities Fraud etc . 

In addition, as per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by EARNEST/MOHELA that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX XXXX XXXX XXXX XXXX XXXX al and I was NEVER GIVEN THE CHANCE TO OPT OUT. 

According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. I am hereby invoking all rights to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al. Please see 15 USC 6802 B ) OPT OUT below.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For the record, it has come to my attention that XXXX XXXX has an alleged outstanding balance of {$120000.00} owed to XXXX. To settle the debt obligation, I submitted IRS Form XXXX with the IRS in order to Tender this debt. The IRS has already accepted this filing and i am already in receipt of the IRS 1099 B sent to me by the IRS confirming the tender of this debt. A copy of this 1099 B will be attached to this complaint. This debt has been tendered in accordance with House Joint Resolution 192, UCC 3-606, the Electronic Funds Transfer Act of 1978, 15 USC 1693 et al. This debt has lawfully been tendered to a {$0.00} balance. Failure to adjust the records to reflect a XXXX  balance after confirmed receipt of this notice shall constitute evidence that XXXX is guilty of XXXX, as well as XXXXecurities Fraud etc . 

In addition, as per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX al and I was NEVER GIVEN THE CHANCE TO OPT OUT. 

According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. I am hereby invoking all rights to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al. Please see 15 USC 6802 B ) OPT OUT below.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILE 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
They sent me a contract in mail and was not legible and the signature was not mine. Please delete the is my credit immidiatly Im forwarding my id it does not match the contract signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just looked over my credit report and found some accounts that Ive never seen before and definitely didnt open. I have no idea where they came from or why theyre showing up under my name, but they dont belong to me. Its really frustrating and honestly kind of alarming to see stuff like this on my report that I had nothing to do with.

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 2025-04-22 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify account that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that this account has been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 


Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

I will not allow your agencys inaction and disregard for federal mandates to continue harming my creditworthiness or personal integrity. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On several occasions I have informed CapitalOne Bank Via mail and on phone about fraud charges to credit card starting last year XXXX XXXX Only to see they have not updated my credit card and refunded me the money for several monthly payments they requested I make during XXXX XXXX investigation. Incorrect bank charges : {$1400.00}, {$2.00}, {$2100.00}, {$710.00}, {$41.00}. Interest charges : {$100.00}, {$100.00}, {$100.00}, XXXX, {$40.00}, {$95.00}, {$40.00}, {$29.00}, {$83.00} ; XXXX Payments I made while they investigate : {$150.00}, {$140.00}. {$140.00}. The current outstanding credit card balance {$4300.00} needs to be adjusted to zero. Plus refund inproper credit card payments of {$440.00}

Company response to consumer: Closed with monetary relief