vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
In XX/XX/year>, I mistakenly used the wrong checkbook linked to a XXXX ( XXXX XXXX  ) account, causing my mortgage payment to fail. While traveling abroad, I missed bank notifications. Upon returning, I promptly made the payment, but it was processed on day 31 after the due date. 

I later learned from a XXXX  XXXX XXXX Mortgage Representative on XX/XX/year>, that my automatic payment schedule was set for the first days of the month, 15 days after the due date. I disputed the late payment with all three credit bureaus ( XXXX, Experian, and XXXX ), but it remains on my credit report. 

To resolve this, I visited a local XXXX  XXXX XXXX branch and spoke with a manager. I also called customer service at least four times, but my goodwill request was denied despite my XXXX banking history and previously clean payment record. 

I am requesting that XXXX  XXXX XXXX update my credit report to remove this late payment as a one-time goodwill adjustment, as this was an isolated and unintentional incident.

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 2025-02-28 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: FL

Complaint narrative:
In XX/XX/year>, I mistakenly used the wrong checkbook linked to a XXXX ( XXXX XXXX  ) account, causing my mortgage payment to fail. While traveling abroad, I missed bank notifications. Upon returning, I promptly made the payment, but it was processed on day 31 after the due date. 

I later learned from a XXXX  XXXX XXXX Mortgage Representative on XX/XX/year>, that my automatic payment schedule was set for the first days of the month, 15 days after the due date. I disputed the late payment with all three credit bureaus ( XXXX, XXXX, and TransUnion ), but it remains on my credit report. 

To resolve this, I visited a local XXXX  XXXX XXXX branch and spoke with a manager. I also called customer service at least XXXX times, but my goodwill request was denied despite my 18-year banking history and previously clean payment record. 

I am requesting that XXXX  XXXX XXXX update my credit report to remove this late payment as a one-time goodwill adjustment, as this was an isolated and unintentional incident.

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 2025-02-28 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: FL

Complaint narrative:
In XX/XX/year>, I mistakenly used the wrong checkbook linked to a XXXX ( XXXXXXXX XXXX ) account, causing my mortgage payment to fail. While traveling abroad, I missed bank notifications. Upon returning, I promptly made the payment, but it was processed on day 31 after the due date. 

I later learned from a XXXX XXXX XXXX XXXX Representative on XX/XX/year>, that my automatic payment schedule was set for the first days of the month, 15 days after the due date. I disputed the late payment with all three credit bureaus ( Equifax, XXXX, and XXXX ), but it remains on my credit report. 

To resolve this, I visited a local XXXX XXXX XXXXXXXX branch and spoke with a manager. I also called customer service at least four times, but my goodwill request was denied despite my 18-year banking history and previously clean payment record. 

I am requesting that XXXX XXXX XXXXXXXX update my credit report to remove this late payment as a one-time goodwill adjustment, as this was an isolated and unintentional incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Received a notification that a collection agency had reported an account with bad debt for collections. Reviewed the information and confirmed that the account was not mine and the referenced account was never opened by me. 

Debt Collection Agency : Transworld Systems XXXX to : XXXX XXXX XXXX XXXX XXXX Amount Owed : {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue 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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request clarification regarding the procedural framework and investigative process undertaken by Bank of America in relation to the charge-offs of two credit card accounts, referenced below. Please note that I am not disputing these accounts ; rather, I am requesting a fact-finding inquiry to ensure accurate record-keeping. 

Accounts : Mastercard ( ending in XXXX ) Travel Rewards ( ending in XXXX ) Over the past few years, I have sent several letters and had numerous conversations with Bank of America regarding these accounts, particularly addressing issues stemming from financial hardship, mostly including employment loss. In each instance, I requested documentation to substantiate the actions taken by Bank of America yet was told it couldnt be given. However, the documentation I finally did receive in XX/XX/year> failed to meet the specific requirements I outlined in my correspondence. 

To assist me in ensuring that my records are accurate and complete, I respectfully request the following information concerning the above-listed accounts : I have not received any documentation from Bank of America regarding the official charge-off details or the actions they took in this process. 

To assist me in ensuring that my records are accurate and complete, I respectfully request the following information concerning the above-listed accounts : The date of the first delinquency for each account The date of the last payment made on each account The official charge-off date for each account I kindly request that the requested information be provided to me in writing, as I am keeping a detailed record of all communications. Please ensure that this information is sent to the address listed above. I would appreciate your prompt attention to this matter, and I respectfully request that the details be provided within 30 days of receipt of this correspondence.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
Thank you.

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 2025-02-28 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-28 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: MA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Date opened : XX/XX/XXXX Amount : XXXX I contacted PROCOLLECT, INC. to see why and how they are on my credit and in collection when I never had a contract with them, and I also have a Judgement of Release from XXXX XXXX XXXX XXXX  on XX/XX/XXXX, for owed rent and attorney fees. Also, these apartments were demolished, so accessing my ledger is very difficult. 

A judgment release, also known as a satisfaction of judgment, is a legal document that proves a debt has been paid in full. It is signed by the creditor and is final. Which I provided to PROCOLLECT , INC . 

They were also very rude when i spoke with them.

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 2025-02-28 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: NY

Complaint narrative:
I was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
Thank you.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations Dear Equifax I am writing to formally dispute any and all negative, inaccurate, and unverifiable items appearing on my credit report, as my rights under federal law have been violated due to recent data breaches aecting millions of consumers. My personal information, including but not limited to my Social Security number, has been compromised, and I demand the immediate removal of any and all negative items from my credit profile. 
Legal Basis for My Dispute & Request for Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Under 1681i, you are required to reinvestigate any disputed information and remove unverifiable or inaccurate data within 30 days.

Given the multiple data breaches, any derogatory marks on my credit profile must be presumed inaccurate and removed immediately.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : If any negative account has been reported by a third-party debt collector, I demand strict validation as per 1692g ( b ). 
Any unverifiable debt must be deleted in accordance with federal law. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines : Your failure to safeguard my sensitive data puts you in direct violation of the standards established by the CFPB. 
As a result, I demand all negative and derogatory entries be deleted immediately. 
XXXX. Recent Data Breaches Violation of My Privacy Rights : Due to multiple security failures, my data has been exposed to unauthorized third parties, increasing the likelihood of identity theft. 
I invoke my rights under the Fair Credit Billing Act ( FCBA ) and Identity Theft Laws to have all disputed accounts removed.

Immediate Actions Required : 1. Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately.

2. Cease all reporting of any accounts related to data-breach incidents or fraudulent activity.

3. Provide me with a new copy of my updated and corrected credit report. 4. Unfreeze my credit profile if it is currently frozen.

Failure to comply with my request within the required legal timeframe will result in legal action, including complaints to the CFPB, FTC, and my states Attorney Generals Oce for willful non-compliance with federal consumer protection laws.

I expect a written response within 30 days confirming the complete removal of all disputed items. Please send all correspondence to my mailing address listed above. NOTICE is now given.

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 2025-02-28 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: NC

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations Dear Equifax I am writing to formally dispute any and all negative, inaccurate, and unverifiable items appearing on my credit report, as my rights under federal law have been violated due to recent data breaches aecting millions of consumers. My personal information, including but not limited to my Social Security number, has been compromised, and I demand the immediate removal of any and all negative items from my credit profile. 
Legal Basis for My Dispute & Request for Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Under 1681i, you are required to reinvestigate any disputed information and remove unverifiable or inaccurate data within 30 days.

Given the multiple data breaches, any derogatory marks on my credit profile must be presumed inaccurate and removed immediately.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : If any negative account has been reported by a third-party debt collector, I demand strict validation as per 1692g ( b ). 
Any unverifiable debt must be deleted in accordance with federal law. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines : Your failure to safeguard my sensitive data puts you in direct violation of the standards established by the CFPB. 
As a result, I demand all negative and derogatory entries be deleted immediately. 
XXXX. Recent Data Breaches Violation of My Privacy Rights : Due to multiple security failures, my data has been exposed to unauthorized third parties, increasing the likelihood of identity theft. 
I invoke my rights under the Fair Credit Billing Act ( FCBA ) and Identity Theft Laws to have all disputed accounts removed.

Immediate Actions Required : 1. Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately.

2. Cease all reporting of any accounts related to data-breach incidents or fraudulent activity.

3. Provide me with a new copy of my updated and corrected credit report. 4. Unfreeze my credit profile if it is currently frozen.

Failure to comply with my request within the required legal timeframe will result in legal action, including complaints to the CFPB, FTC, and my states Attorney Generals Oce for willful non-compliance with federal consumer protection laws.

I expect a written response within 30 days confirming the complete removal of all disputed items. Please send all correspondence to my mailing address listed above. NOTICE is now given.

Company response to consumer: Closed with explanation