vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto does not send " your bill is due '' emails until after your payment is already late. Furthermore, their website shows " autopay '', but they do not provide a way to setup autopay for my loan. The only option I have is to make a one-time payment each time. And since it's late every month, there's also a late fee on top of my payment. 

This appears to be an overt racket to make money in late fees by ( A ) not notifying people who have loans of their payment due date and ( B ) not allowing people to sign up for autopay to prevent late payments in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
Dear TransUnion Consumer Solutions, I am writing in response to your recent communication regarding the investigation of the following accounts on my credit report. While I appreciate your efforts, I noticed several discrepancies and unresolved issues that require further clarification and validation : Accounts in XXXX : XXXX. XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX Bank XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Bank XXXX XXXX # XXXX XXXX. XXXX XXXX Bank XXXX # XXXX XXXX. XXXX  XXXXXXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX Bank XXXX # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX on the results of your investigation, the following accounts were marked as verified as reported or updated, but no supporting documentation was provided to confirm their accuracy. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], to request : 1. Verification of Accuracy : Please provide the original creditors name, address, and documentation showing how the account details were verified.

2. Documentation of Debt Ownership : Proof that these debts belong to me and were accurately reported to your agency.

3. Details of Your Investigation : A description of the procedures used during your investigation, as required under FCRA.

If you are unable to validate any of the accounts listed above, I request that they be promptly removed from my credit file and that I receive written confirmation of this action. Reporting unverifiable or inaccurate information violates FCRA and could result in further action. 

Please treat this as a formal dispute and respond to my request in writing within 30 days. I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office if this issue remains unresolved.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX reaching out to dispute several incorrect details on my TransUnion credit report that could harm my credit. My correct legal name is XXXX XXXX XXXX, but the report lists incorrect variations, including XXXX XXXX XXXX, and XXXX, XXXX. The report includes incorrect addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX Bath Av XXXX XXXX XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The correct address should be XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The employer listed as " self-employed '' and " XXXX XXXX '' is incorrect ; the correct employer is XXXX Kings XXXX XXXX These mistakes have caused me considerable stress and concern, as they damage my financial reputation and raise worries about identity theft. These errors could negatively affect my credit, and I believe they violate the Fair Credit Reporting Act, which requires that credit reports be accurate. I'm requesting that these issues be corrected immediately to ensure my personal information is accurate and up to date, and that an investigation is conducted to determine if fraud is 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX - received call from Pro Collect - asked for debt validation letter and for supporting documents - gave new address to be sent to XX/XX/XXXX - received a mark on my credit report without receiving a notice or documents I asked for previously - Called them and tried to see what happened - They agreed if I paid over the phone, they would take it off my credit report - I paid the debt in full with that agreement that I would receive a letter saying the debt was paid in full and that they would remove it from my credit report by the start of the next month. 

XX/XX/XXXX- They have still done NEITHER of those things

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 2025-01-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX  Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
I woke up to find wrong accounts listed on my credit report, and I am utterly confused. Ive always checked my report without issues, but this time, discrepancies appeared out of nowhere. I thought maybe it was a technical problem and refreshed my browser, but nothing changed. The errors remain, and I feel like I have no control. Please double-check the documents I provided so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: GA

Complaint narrative:
Reference Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and resolving a matter involving a debt collection agency, Jefferson Capital Systems LLC, regarding an alleged debt associated with the original creditor, XXXX XXXX, under account number XXXX. 


The agency claims that I owe a total balance of {$5200.00} under their current account number XXXX. I dispute the validity of this debt and request that Jefferson Capital Systems LLC provide proper validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activities until they have verified the debt and provided documentation to the consumer.

To date, I have not received adequate documentation that substantiates the validity of the debt. As such, I am exercising my rights under : 15 U.S.C. 1692g : Validation of debts.

15 U.S.C. 1692e ( 8 ) : Communication of false or misleading information about a debt.

15 U.S.C. 1692c ( c ) : Ceasing communication upon written request.

Additionally, I request your assistance in ensuring compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically concerning the accuracy of information reported to credit bureaus by Jefferson Capital Systems LLC or any affiliated parties. Any unverifiable or inaccurate information must be removed promptly. 



I respectfully request that this debt be removed from my records unless Jefferson Capital Systems LLC can provide documentation proving : XXXX. The original agreement or contract with XXXX XXXX that substantiates my obligation.

2. A full accounting of how the balance of {$5200.00} was calculated.

3. Verification of their legal authority to collect on this debt.

If they can not provide this information, I ask that this matter be closed and the alleged debt removed from my records and credit reports. 



Please notify me of the status of this complaint and any action taken on your part. I am prepared to provide additional information or documentation, if needed. 



Thank you for your assistance in this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-07 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: MI

Complaint narrative:
Please see attached file these creditors are oppressing and harassing Im asking CFPB to have these companies submit there 1099-C forms immediately I am not paying these debts and not to start a 30 day complaint but to submit 1099-C for taxes that they have already claimed as a lost and have had insurance on that debt but is still trying to collect which is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-07 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: NC

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
My information was exposed in a data breach and to the dark web per my credit report. The only accounts I have is car note, and two credit cards. It has other people name connect to my social security number. With different addresses and phone numbers that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Old apartment complex falsified charges and sent bill to collections without notifying me. XXXX XXXX  were suppose to contact me at least 45 days of my move out. I have sent several emails, phone calls, and went to visit and still have not received any answers. I have reached out to the collection agency and they were very giving me the run arounds. I finally spoke with someone today and she was very rude and hung up on me. I would like to settle this. This is not mine. The information is incorrect. How do I get justice against these crooked rental agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company 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 2025-01-07 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: MA

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 2025-01-07 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: KS

Complaint narrative:
I have encountered issues with my consumer report, including inaccurate information such as fraudulent addresses and names. Despite disputing these inaccuracies, my efforts have been to no avail. I repeatedly requested investigations into these accounts. However, each time the investigation returned with a verification status. 

It is frustrating because I provided evidence showing that the addresses were not real, along with identity theft affidavits and police reports. Yet, they failed to thoroughly investigate and remove the fraudulent negative information. This situation has caused me to miss opportunities to obtain credit and has hindered my ability to manage my day-to-day life. I am still dealing with these ongoing issues.

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 2025-01-07 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: NC

Complaint narrative:
An update about whats going on Im shocked that the credit bureaus did not remove from my credit report inaccurate, false, fraudulent information which is affecting me tremendously businesses have showed me several contact methods they have in regards to reaching out to have the inquire/s removed from my report therefore I have the right to file a civil suit/ action to seek damages, compensation, and etc against anyone in violation of the laws to make certain that I have been treated fairly and equally in accordance within the laws see attachments for companies that have followed through with contacting the credit reporting bureaus in lieu of incorrect/ false, fraudulent activity on my report please note failure to do so may result in legal action against you again please remove any and all inquiries related to fraudulent activities with the matters above thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
An update about whats going on Im shocked that the credit bureaus did not remove from my credit report inaccurate, false, fraudulent information which is affecting me tremendously businesses have showed me several contact methods they have in regards to reaching out to have the inquire/s removed from my report therefore I have the right to file a civil suit/ action to seek damages, compensation, and etc against anyone in violation of the laws to make certain that I have been treated fairly and equally in accordance within the laws see attachments for companies that have followed through with contacting the credit reporting bureaus in lieu of incorrect/ false, fraudulent activity on my report please note failure to do so may result in legal action against you again please remove any and all inquiries related to fraudulent activities with the matters above thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm reaching out to dispute several inaccurate details on my Equifax credit report that could significantly harm my credit. My correct legal name is XXXX XXXX XXXX, but Equifax lists the incorrect name, " XXXX XXXX. '' The employer listed as " XXXX XXXX '' is wrong and should be " XXXX XXXX XXXX '' These mistakes have caused me considerable stress and concern, as they damage my financial reputation and raise worries about identity theft. These errors could negatively affect my credit, and I believe they violate the Fair Credit Reporting Act, which requires that credit reports be accurate. I'm requesting that these issues be corrected immediately to ensure my personal information is accurate and up to date, and that an investigation is conducted to determine if fraud is involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

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

Company 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