vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important 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 non-monetary relief
Consumer complaint received 2025-05-02 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: LCI Acquisition Inc.
State: SC

Complaint narrative:
LCI Consumer Center is currently reporting Bankruptcy public record about me without my express written consent, as required by XXXX U.S.C. XXXX ( a ). Under federal law, LCI Consumer Center must have obtained my direct authorization before furnishing any of my data for credit-related purposes. I am requesting the following : provide documented evidence of my express written consent, which LCI Consumer Center relies upon to report, furnish, or distribute my consumer information to credit reporting agencies or third parties. Identify each credit reporting agency, entity, or institution to which you have shared my consumer file. If you can not provide MY written consent, I request the immediate deletion and suppression of any data being furnished or reported about me. Under XXXX U.S. CXXXX XXXX : A consumer reporting agency may furnish a consumer report only if : the consumer has provided written instructions to do so ; or the information is being used for a permissible purpose as specifically allowed by law. If LCI Consumer Center is unable to demonstrate that I explicitly authorized the reporting or sharing of my personal information, then such activity is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: WI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NV

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

Company 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 2025-05-03 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-02 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: NV

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

Company 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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
Today I try to use my Revvi card with XXXX XXXX XXXX, and was told by a Revvi agent and supervisor that the system will not allow you to use this merchant find another one. Whats the purpose of having a credit card if you cant use it?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Identity Theft Report and Failure to Block XXXX Account Final Legal Notice To Whom It May Concern : I am writing to demand that Experian immediately block and remove the XXXX account I have reported as fraudulent and the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is legally required to block identity theft-related information within four ( 4 ) business days of receiving an identity theft report, provided the consumer submits : proof of identity, a copy of the identity theft report, identification of the disputed information, and a statement confirming the information is not related to any transaction by the consumer. 

I have repeatedly notified Experian at least XXXX times that this XXXX account is fraudulent and the result of identity theft. You have now had more than four days since receiving the required documentation, and the account still appears on my credit report. This is a clear violation of federal law.

Additionally, under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ), Experian may be held liable for actual damages, statutory damages, punitive damages, attorneys fees, and costs. 

For your reference, I am once again attaching a copy of the identity theft report I previously submitted, as well as a copy of the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ), which clearly shows the date it was submitted and confirms that the four-day period has passed. 

If Experian fails to block and remove this account from my credit report immediately, I will have no choice but to file a lawsuit against you in the United States District Court for the XXXX XXXX XXXX XXXX to obtain removal and seek damages. 

Kindly obey the law. I demand written confirmation within five ( 5 ) business days of receipt of this letter that the account has been permanently removed from my file. 

Sincerely, 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have made repeated and good-faith attempts to obtain my credit reports through XXXX, and all three credit bureausEquifax, Experian, and TransUnionhave returned nothing but error messages. I then attempted to order my reports directly from each bureau, both online and by phone, and was still unable to access any of them. 

This is outrageous and completely unacceptable. How is it possible that in 2025, not a single method of communicationonline, phone, or mailcan deliver access to something so fundamental as my own credit report? This is beyond frustrating ; it is beyond comprehension. 

Consumers are told to monitor their credit, yet every system in place to do so appears broken. This situation demands investigation and immediate corrective action. Americans can not be expected to bear the consequences of errors on their reports if they are systemically blocked from even viewing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. After reviewing my credit file from Equifax, and TransUnion, I noticed the following hard inquiries that I did not authorize : 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 inquiries are impacting my credit profile and were not initiated by me or with my consent. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be placed on a consumers credit file with their explicit permission, generally in connection with a credit application. Since I did not apply for credit with these institutions, I am requesting that these inquiries be investigated and removed. 

I have already contacted the credit bureaus to file a dispute, and I am now requesting your assistance in ensuring that my rights are upheld under the FCRA. 

Please find the following documents enclosed for your review : A copy of my government-issued ID A copy of my credit report highlighting the disputed inquiries I respectfully request a thorough investigation and a written response outlining the outcome of your review. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: DC

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. 

KXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, someone fraudulently opened a XXXX XXXX card in my name. That person then made 3 purchases on the card. I have all of the receipts for the purchases that were sent to my email. The purchases were as follows. 
{$1000.00} {$790.00} {$790.00} I immediately contacted Best Buy who closed the account. Best Buy stated they would perform an investigation and get back to me. Best Buy then concluded that I was responsible for the charges. I have filed a police report, and the detective has video of the person who is not me picking up the items. 

The police report number is XXXX. It is with the XXXX Police department in Texas. The detective handling my case is detective 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 2025-05-02 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: MD

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX stated they notified me, they had purchased my debt from Citi Bank opened XX/XX/2016, but I never received any notification nor was I given a chance to dispute this debt. 

This debt is over the XXXX  year threshold of dropping off my credit report, and this collector XXXX XXXX never mailed me any initial rights paperwork or notification of debt purchase. 

This directly goes against The Fair Debt Collection Practices Act as I never received Validation Information confirming the debt information or that this Collection agency took ownership of it.

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 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law. 

Disputed Account Details : * Creditor Name : XXXX * Account Number : XXXX Legal Basis for My Dispute : * 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided.

* Green v. Portfolio Recovery Assocs. LLC ( 2024 ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

* 15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

* Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect.

My Formal Demands : 1. Validation Provide : * The original signed agreement and full payment history.

* All Bills of Sale/Assignments proving continuous ownership.

* Confirmation this debt was not securitized.

2. Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

3. Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Failure to comply will result in complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1681n & 1681o. I expect written confirmation of compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2025-05-02 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: MO

Complaint narrative:
Company : XXXXXXXX XXXX XXXX XXXXXXXX : Credit Card Issue : Charged-off account with no verification of insurance or tax recovery I am filing this complaint regarding a charge-off on my credit report for a XXXX XXXX credit card account XXXX The reported amount is {$51000.00}. I have disputed this account with the credit bureaus and requested documentation proving the creditor has not received compensation through insurance or IRS tax benefits. 

According to Generally Accepted Accounting Principles and the Fair Credit Reporting Act, a creditor can not claim a loss via insurance or tax deduction and continue to report the full charge-off amount or pursue collection. XXXX has not provided any verification, including insurance recovery documentation or IRS Form 1099-C.

This may be an attempt at double recovery and a violation of my consumer rights under federal law. I am requesting that the CFPB investigate and require XXXX to provide full disclosure or remove this charge-off entirely from all consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
Company : XXXX XXXX XXXX XXXXXXXX : Credit Card Issue : Charged-off account with no verification of insurance or tax recovery I am filing this complaint regarding a charge-off on my credit report for a XXXX XXXX credit card account XXXX The reported amount is {$51000.00}. I have disputed this account with the credit bureaus and requested documentation proving the creditor has not received compensation through insurance or IRS tax benefits. 

According to Generally Accepted Accounting Principles and the Fair Credit Reporting Act, a creditor can not claim a loss via insurance or tax deduction and continue to report the full charge-off amount or pursue collection. XXXX  has not provided any verification, including insurance recovery documentation or IRS Form 1099-C.

This may be an attempt at double recovery and a violation of my consumer rights under federal law. I am requesting that the CFPB investigate and require XXXX to provide full disclosure or remove this charge-off entirely from all consumer reports.

Company response to consumer: Closed with non-monetary relief