vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute the validity of a collection account that has been reported on my credit report. The account in question is listed as : * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX * Amount : {$1000.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I am exercising my right to request a thorough investigation into this account. I am disputing this account for the following reasons : XXXX. Lack of Proper Validation : The collection agency has failed to provide verifiable proof that I owe this debt, including a contract bearing my signature or detailed transaction records. Under 15 U.S.C. 1692g ( b ), a debt must be validated upon request. 
XXXX. Inaccurate or Misleading Information : The reported details of this account contain errors, such as incorrect amounts, dates, or account ownership. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or unverifiable information. 
XXXX. Potential Violation of Reporting Guidelines : If this account is outdated, improperly reported, or unverifiable, it must be deleted per 15 U.S.C. 1681c ( a ), which limits the reporting period for collection accounts to XXXX years from the original delinquency date. 
I request that the CFPB investigate this matter and require the collection agency to furnish all necessary documentation to substantiate the claim. If they can not provide verifiable proof, I demand that this account be permanently removed from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). 
Enclosed are copies of my credit report, my written dispute to the collection agency, and any relevant correspondence. Please provide a written response outlining your findings and any corrective actions taken. 
Thank you for your time and assistance in resolving this matter. Please contact me at your earliest convenience regarding the status of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX is very incompetent and seriously needs to be investigated and perhaps fined. I have tried on multiple times to resolve this issue yet they are not helping. I need the CFPB to intervene. They sent me a letter in the mail requesting additional documentation such as a copy of my SSN and utility bill to establish identification which I gladly did. Yet they are still tossing me around left and right. I am appalled by this whole situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im 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 2025-01-31 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Intervention with Experian Dear CFPB, I am writing to express my deep dissatisfaction with Experian 's handling of my credit report and to formally request your intervention in this matter. My account with XXXX XXXX XXXX XXXX, which was previously in good standing, has been improperly marked and subsequently deleted from my credit report without valid justification. 

Despite providing Experian with the necessary detailsincluding my account number and clear evidence of my positive payment historymy account has not been reinstated. It is unacceptable that after filing a complaint, Experian has continued to display negligence by failing to accurately investigate my disputes. 

The name associated with my account, XXXX XXXX XXXX, has been updated correctly, yet Experian has not restored my positive credit history. This negligence creates an unjust barrier to my access to credit, employment, and housing opportunities, which is a direct violation of consumer rights. 

I urge the CFPB to take swift action against Experian for their sham investigations and blatant disregard for accurate reporting practices. I request that you compel Experian to reinsert my account to its original status immediately. 

I appreciate your attention to this serious matter and look forward to your prompt response. 

Sincerely, CFPB EXPERIANS NOT COMPLYING UNDER SECTION 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ;

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have been a member since XXXX, and have never received ANY line increase. I have tried numerous times over the years with no success. XXXX was the credit bureau of choice that citibank used to make the determinations. My current XXXX score is XXXX, and yet I'm still being denied. This is a violation of 15 U.S.C. 1602 ( f ), and 15 U.S.C 1 & 2. I have escalated the situation on social media in which the citi bank team reached out to me via XXXX ( XXXX ), email, and a phone call from the XXXX office on XX/XX/XXXX to my knowledge. Unfortunately, I was not able to finish conducting a conversation because my infant son was born XX/XX/XXXX, and is still currently receiving treatment for XXXX in the XXXX. When I am in need of the use of my extended " credit '' there should be no reason I am not able to use it. Citibank also received a lawful payment from me via mail, but was never credited to the account. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2025-01-31 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 accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NC

Complaint narrative:
I was harassed by Sallie Mae to pay on my loan after my consigner and I have stated that we can not afford to make the required payment. Customer service has said nasty things to myself and co-signer to try to bully us into making payments. One customer service agent suggested I sell my body or drugs so that I can afford to make payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
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
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ( XXXX ) XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my report from your bureau and noticed incorrect or outdated information that needs to be corrected. Please find the details of the disputed item ( s ) below : Disputed Item ( s ) : Creditor Name : BULL CITY FINANCIAL SOLUTI Account Number : XXXX Issue : I have identity theft my purse was stolen from my car with all of my personal information I an not aware of this account nor was it me who created this account. 

I have attached copies of supporting documents, such as substantiate my claim. I kindly request that you investigate this matter and update my credit report accordingly. 

Please provide a written response confirming your findings and any actions taken regarding this dispute. Under the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to investigate and respond to this request. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report is accurate. Please feel free to contact me at the information provided above if further details are needed. 

Sincerely, XXXX XXXX XXXX XXXX. 

Let me know if youd like me to tailor this letter further to your situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date there has been no arbitration proceedings. As a direct result of that this considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-01-31 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: Garrison Investment Group
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I don't recognize these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
This account has multiple inaccuracies and needs to be deleted off my report immediately as its inaccuracies is really effecting my credit report. I have attached and highlighted all inaccuracies this account has. This account is clearly in violation and needs to be deleted off of my report. 
The account is XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
This account has multiple inaccuracies and needs to be deleted off my report immediately as its inaccuracies is really effecting my credit report. I have attached and highlighted all inaccuracies this account has. This account is clearly in violation and needs to be deleted off of my report. 
The account is XXXX XXXX  Account number : 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Red Target LLC
State: TX

Complaint narrative:
Ive Paid a large portion of this account with XXXX with insurace check that covered lossed items. The company is still reporting incorrect information regarding balance including unauthorized increases from 3rd party collection that was not aprt of my balance also... violating 15usc 1681s section 623 which out lines the respnsibilty of insures to ensure the accuracy of information reported. Ive tried to resolve this for over 3 years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On Wednesday XX/XX/XXXX XXXX XXXX  I contacted support because I started receiving contact from an unknown merchant named XXXX telling cash app they attempted to get {$25.00} then {$10.00} so I asked cashapp to block anyone requesting money because who knows me would contact me Monday XX/XX/XXXX XXXX XXXX  I contacted them again someone name XXXX XXXX  out of California tried to charge me a XXXX which was very odd? Another red flag so they asked did I want to block them and another company XXXX XXXX  to which I said yes please block them!! 
Sun XX/XX/XXXX, XXXX XXXX  some XXXX XXXX  attempted to charge me XXXX and this went on and on til Sunday XX/XX/XXXX, XXXX XXXX  a merchant named XXXX XXXX companies I am unaware of in Michigan? 
Tuesday XX/XX/XXXX, XXXX XXXX  someone by the name of XXXX XXXX attempted fraud Sunday XX/XX/XXXX, XXXX XXXX  they finally succeeded and stole from my account {$35.00} dollars I went back and forth with cashapp support telling them this is and inside job because they said it was in there on their in but clearly thats not true because on my end I was deducted the {$35.00} dollars. I am cutting it short from here because I ran out of time I tried to sum it up the best I could thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Update the late payments from my consumer reports

Company 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