vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
A scammer extorted {$3000.00} from my wife in the form of a XXXX transaction at around XXXX XXXX XXXX XX/XX/year>. I was made aware of this transaction within XXXX minutes and contacted my bank XXXX Bank of America XXXX about the issue. Both my wife and I were on the phone with Bank of America XXXX XXXX XXXX department and verbally unauthorized the transaction together. They were not able to stop process on the transaction and claimed that the funds transferred near instantly and that there was nothing to be done other than file claims with both XXXX and BOFA fraud, and to contact local authorities. 

The host and target bank, as well as XXXX, should be held liable for their inaction to put a time limit on fund transfer, failure to put identity verification controls on payment recipients and senders, and failure to immediately rescind/ refund unauthorized payments to scammers 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 2025-02-14 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: CA

Complaint narrative:
This is not an error and requires urgent attention. My credit report contains incorrect and mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is extremely frustrating and has caused me significant stress and anxiety.

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 2025-02-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-14 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: CA

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Also Known As : XXXX XXXX XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
This company has contacted my work several times. I can not take personal calls at work. My boss has even told them this. They claim be cause they can't get ahold me through my cell phone, but I don't have any voicemails from them not do i have miss calls from the number they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
I lost my card and seen some unfortunately charging on my account I disputed it and the investigation agent promised me a provisional credit I never received and the investigation was a scam it was a week literally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BRite Financial Services, Inc.
State: FL

Complaint narrative:
Complaint Details : I am filing a formal complaint against XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( a ) ) due to inaccurate, misleading, and contradictory reporting on my credit report. Despite my previous disputes, the company has failed to correct these errors, which have negatively impacted my credit score and financial standing.

1. Inaccurate Balance Reporting XXXX XXXX has reported a balance of {$13000.00} on my credit report for an account that was charged off and closed on XX/XX/XXXX. However : My vehicle was repossessed on XX/XX/XXXX and sold at auction on XX/XX/XXXX, which should have resulted in an updated balance. 
The current balance should reflect a post-repossession charge-off, not an active loan. 
If the debt was transferred to a collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), the account should be properly updated as a collection, not an open loan. 

2. Contradictory and Misleading Payment History XXXX Financials reporting is inconsistent : My report states I made 22 % of payments on time, but nearly every month since XXXX is marked as latethis is contradictory and misleading. 
The report falsely states that my last payment was made on XX/XX/XXXX, even though the account was closed in XXXX. This inconsistency suggests falsified data and violates the FCRAs accuracy requirements. 

XXXX. Failure to Properly Verify Disputed Information Under 15 U.S.C. 1681i, XXXX XXXX is required to properly investigate and verify any disputed information. However : I have disputed these errors with the credit bureaus ( XXXX, XXXX, and XXXX ), yet XXXX XXXX failed to correct or verify the information. 
Instead of providing proper documentation, they continue to report inaccurate balances, payment history, and account status. 

4. Misrepresentation of Loan Terms My original loan term was 48 months, but the account was closed prematurely in less than two years due to repossession. 
If the vehicle was sold at auction, the remaining balance should have been adjusted accordingly, yet this adjustment was not made. 

Desired Resolution : I am requesting that XXXX XXXX and the credit bureaus immediately correct these errors by : Updating the account balance to reflect the correct amount post-repossession and charge-off. 
Correcting or removing the inaccurate late payment history. 
Providing proper documentation verifying the accuracy of the reported information. 
Removing the derogatory status if the account was improperly reported. 

If XXXX XXXX does not resolve this matter promptly, I will pursue additional legal action under the Fair Credit Reporting Act ( FCRA ) and consider filing a lawsuit for willful or negligent violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credible Labs Inc.
State: NY

Complaint narrative:
I applied to XXXX for a personal loan as well as went through the website Credible.com and applied for a personal loan. They reported back to me saying my XXXX XXXX was way below what XXXX told me it was. My XXXX XXXX with XXXX at that time was XXXX. But these companies reported my score which they obtain through XXXX way lower than my actual XXXX XXXX which has hurt my credit with inquiries as well as me not being able to apply for any new credit to pay my bills. Credible stated that my XXXX XXXX was a XXXX pulled on XX/XX/2025 through XXXX. 

XXXX reports that my XXXX XXXX is XXXX reported on XX/XX/2025. 

Both are not true as I've spoken with XXXX, but it's still being reported tlby XXXX these scores to these companies. I have the documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
I applied to XXXX for a personal loan as well as went through the website Credible.com and applied for a personal loan. They reported back to me saying my credit score was way below what transUnion told me it was. My credit score with TransUnion at that time was XXXX. But these companies reported my score which they obtain through TransUnion way lower than my actual credit score which has hurt my credit with inquiries as well as me not being able to apply for any new credit to pay my bills. Credible stated that my credit score was a XXXX pulled on XX/XX/year> through TransUnion. 

XXXX reports that my credit score is XXXX reported on XX/XX/year>. 

Both are not true as I've spoken with TransUnion, but it's still being reported tlby TransUnion these scores to these companies. I have the documents.

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 2025-02-14 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:
I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries. 

How many times must I address these inquiries with your department? I am aware that these creditors have their own internal fraud procedures, but I must ask : who permitted these creditors to access my credit file without my consent? It was Equifax, not them. Therefore, Equifax is ultimately responsible for these inquiries occurring in the first place. Your failure to handle this matter diligently reflects poorly on your performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts 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 to be removed/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. 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!

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Chacon Autos LTD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debt Dear Chacon Autos LTD, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NC

Complaint narrative:
XXXX XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I do not recognize the inquiries as reported. The hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I acknowledge receipt of the documents your company provided regarding the alleged debt. However, the information in these documents does not align with the records from the original creditor, raising serious concerns about the accuracy of the balance being reported. Additionally, your company has a known history of adding unauthorized fees, as evidenced in cases such as XXXX XXXX Columbia Debt Recovery, where the court found your organization liable for emotional distress and statutory damages due to improper collection practices. The precedent established by this case demonstrates your companys tendency to misrepresent debt amounts and continue adverse reporting even after being made aware of errors. Furthermore, the " date last active '' on this account is inconsistent across credit bureaus, suggesting that the account may have been re-aged to your advantage. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. I am formally requesting that you remove the inaccurate information on my credit report to comply with FCRA standards. If these issues are not resolved within 30 days, I will pursue all available remedies, including seeking legal action for emotional distress and statutory damages under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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