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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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. 

XXXX XXXX XXXX XXXX AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete 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 2025-04-11 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: NJ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT XXXX  RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX my wife and I applied for a Personal loan and or a Home equity line of credit with SoFi. The minimium FICO score required for a loan according to Sofi is a XXXX. We prequilified for both loan according to thier system. We were both asked to submit the required information necessary to obtain the loans. After submitting we recieved an approval for the HELOC loan and were sent all the documents via docu sign with loan terms, insurance requirements, disclosures etc ... My wife and I signed all the documents which is a binding contract. We upgraded our home owners insurance coverage to meet the loan requirements and a few hours later received a phone call from XXXX XXXX XXXX ID # XXXX ( Mortgage Loan Originator ) ( XXXX ) XXXX letting us know the system made a mistake and approved us for the loan and should have never sent the documents stating my credit score did not meet the minium fico score of XXXX for XXXX however, I later received a letter from Sofi with a credit score of XXXX see uploaded letter. XXXX and her manager XXXX said that score is not applicable because its the score from the personal loan department I applied for. However, my wife and I both have memberships to all three credit agencies and my score is within a few points of what the letter sent to me by Sofi shows. I asked XXXX to send me a copy of the information he had but I have not received it. My wife who is XXXX and draws XXXX  and myself both have scores well above the minimium requirement of XXXX so we feel that for some reason we are being discriminated. My wife and I signed all documents and we feel the documents signed are a binding contract and we expect Sofi to hold up to its responsibility by providing the loan we were approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
The account in question is listed as a charged-off personal account ; however, I have reason to believe that it is actually a business account that may be fraudulent, and it is being reported in error. 

I received a notice dated XX/XX/year> regarding a court appearance scheduled on XX/XX/year> in the XXXX XXXX XXXX XXXX XXXX, XXXX. I respectfully object to the proceedings based on improper or insufficient service of the summons and complaint.

1. Lack of Proper Service : I did not receive a summons or other legal documents from a process server, sheriff, or any other authorized individual, as required under XXXX  law ( and/or applicable rules of civil procedure ). 
I was not made aware of this lawsuit until receiving the notice from the court, which I believe is insufficient as a formal summons.

2. Right to Proper Notification : Under XXXX law ( Rule 4 of the XXXX Rules of Civil Procedure ), a defendant must be served personally or by other authorized means, providing adequate notice and an opportunity to prepare a defense. 
Because I was not properly served, I have not had the chance to respond to or defend against the claims made in this lawsuit.

3. Request for the Court : I respectfully request that the Court quash or set aside the summons and any default judgment ( if one has been entered or is under consideration ) due to improper service. 
Alternatively, I request that this matter be reset or continued, affording me sufficient time to properly receive service, review the complaint, and prepare an appropriate response.

4. Preserving My Rights : I am not voluntarily submitting to the jurisdiction of the court by filing this objection, nor am I waiving any defenses. 
I reserve all rights to raise any other defenses or objections regarding jurisdiction, venue, or any other issues arising in this lawsuit.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

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: 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 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: 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

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 — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Company Complained About : Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Account at Issue : Original Creditor : XXXX Current Furnisher : Credence Resource Management Account Number : XXXX Reported Balance : {$200.00} Date Opened : XX/XX/year> Date Reported : XX/XX/year> Complaint Narrative : I am submitting this complaint against Credence Resource Management for illegally reporting a fraudulent and previously disputed debt to the credit reporting agencies XXXX, XXXX, and XXXX. The debt in question is allegedly owed to XXXX  in the amount of {$200.00}, and is being reported under account number XXXX. 

This account is the result of identity theft. I have never had a XXXX account under my name for this balance. The original fraudulent account was previously placed with another collection agency, XXXX XXXX XXXX XXXX XXXX, for the amount of {$130.00}. 

After I submitted a dispute and completed identity theft verification with XXXX, they confirmed that the account was opened without my knowledge or authorization. They ceased all collection activity and the account was removed from my credit reports. 

Despite this prior resolution, Credence Resource Management began reporting the same fraudulent account again, but with a different and inflated balance of {$200.00}. They did this without contacting me, without validating the debt, and without any proper investigation. This constitutes deceptive and unlawful behavior and directly violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations Committed by Credence Resource Management : FCRA 1681e ( b ) Failure to ensure the maximum possible accuracy of reported information. 

FCRA 1681i Failure to conduct a reasonable reinvestigation upon notice of dispute.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

FDCPA 1692e ( 2 ) ( A ) Misrepresentation of the character, amount, or legal status of a debt.

FDCPA 1692f ( 1 ) Attempting to collect an amount not expressly authorized by the agreement or permitted by law.

FDCPA 1692g ( b ) Continuing collection activities without validating the debt after a dispute.

Financial and Personal Harm : Credence Resource Managements inaccurate and illegal reporting has caused significant harm. I am currently in the process of purchasing a home for my pregnant wife and growing family. The reappearance of this fraudulent account caused my credit score to drop, delayed the mortgage process, and created severe emotional and financial hardship during a pivotal moment in our lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a Capital One Walmart credit card ( old credit card ) with a {$1200.00} credit card limit that was recently replaced with a Capital One Quicksilver credit card ( new credit card ) which also has a {$1200.00} limit. 

While I was waiting for my new credit card to come in the mail I tried to use my old Capital One credit card and was told the card was inactive and can no longer be used moving forward. 

On XX/XX/scrub>XXXX XXXX  a merchant used my " old '' credit card information on file and charged {$1600.00} to my credit card. If I wasn't allowed to use my old credit card and was told the card was no longer available to be used, then a merchant should not be able to use old credit card information to make new charges.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that you :

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-04-11 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: TX

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 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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: EQUIFAX, INC.
State: CA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please 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