vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Identity Theft - Incorrect Reporting of Fraudulent Account Dear CFPB Representative, I am submitting this complaint regarding an account that continues to be reported on my credit file despite multiple attempts to have it removed. I am a documented victim of identity theft, and this fraudulent account does not belong to me. I have made numerous efforts to dispute this matter with XXXX, XXXX, and TransUnion, as well as with XXXX XXXX XXXX and XXXX XXXX XXXX, but the issue remains unresolved. 

The account in question is : Account Number : XXXX Original Creditor : XXXX Current Owner : XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX XXXX has previously acknowledged my fraud claim and indicated that the account was closed, with a request submitted to remove the tradeline from my credit report on XX/XX/year>. However, despite their acknowledgment, this account is still being reported on my credit file, causing continued harm to my financial standing. 

I have attached a reference letter from XXXX XXXX XXXX confirming that the account was to be removed. This is my final attempt to have this issue resolved before pursuing further action. I request that the CFPB take immediate action to ensure that this fraudulent account is permanently deleted from all three credit bureaus. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me should you require any additional information. 

Sincerely, XXXX XXXX Attachments : Reference letter from XXXX 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 2025-01-30 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: CA

Complaint narrative:
Subject : Identity Theft - Incorrect Reporting of Fraudulent Account Dear CFPB Representative, I am submitting this complaint regarding an account that continues to be reported on my credit file despite multiple attempts to have it removed. I am a documented victim of identity theft, and this fraudulent account does not belong to me. I have made numerous efforts to dispute this matter with XXXX, Equifax, and XXXX, as well as with XXXX XXXX XXXX and XXXX XXXX XXXX, but the issue remains unresolved. 

The account in question is : Account Number : XXXX Original Creditor : XXXX Current Owner : XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX XXXX has previously acknowledged my fraud claim and indicated that the account was closed, with a request submitted to remove the tradeline from my credit report on XX/XX/year>. However, despite their acknowledgment, this account is still being reported on my credit file, causing continued harm to my financial standing. 

I have attached a reference letter from XXXX XXXX XXXX confirming that the account was to be removed. This is my final attempt to have this issue resolved before pursuing further action. I request that the CFPB take immediate action to ensure that this fraudulent account is permanently deleted from all three credit bureaus. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me should you require any additional information. 

Sincerely, XXXX XXXX Attachments : Reference letter from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I requested over the phone, through email and with a hand written letter as requested by XXXXXXXX XXXX  delivered to them in person that they cancel the account I sit up for my sons as they hadn't used it in XXXX months ( account XXXX XXXX ). 

Well they didn't cancel the account and it resulted in more charges which I disputed with the bank. 

I had email conversations with the XXXX XXXX XXXX XXXX telling him what happened and what needed to be done. 

I then was sent to collections Aldous & Associates who are threatening in an email they will report me to the XXXX XXXX. I called them but they didn't want to listen to a thing I had to say so I told them to cease and desist or I will consult my personal attorney. They can send you an email to collect a debt but can't allow you to email them back? Seems like some unfair business practices! 

I'm a XXXX and make {$150.00} an hour and to date I have spent over XXXX hours of my time trying to get them to fix this mistake. 

They need to own their mistake, remove this balance and move on before I sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I am the victim of identity theft ..I originally reported the account with Continental finance as fraudulent 12 months ago and provided them with a copy of the police report and affidavit of identity theft. Rather than investigate the identity theft at that time they sold the account to a collection agency XXXX who then sold it to XXXX I tried in vain for 12 months to have this removed from my credit report to no avail in XXXX. I filed a complaint with a consumer finance. Please see my previous complaint. I then received a letter from Continental finance indicating that they had purchased the debt back and were investigating it and to allow 30 days to resolve the issue that letter was dated XX/XX/XXXX along with my identity theft company XXXX we contacted Continental finance. They have not resolved the issue and initially could not find an account. I then receive notification that I had a derogatory trade and that it was this account I believe was sent to a different collection agency regardless, they have not investigated the claim, despite me providing them with the necessary police reportsthe address of record on their account. I have never lived at along with the phone number on the account which is XXXX is a phone number that has never been affiliated with my name and they refuse to acknowledge that this is a fraudulent account and are continuing to report derogatory to XXXX on my credit report, which is affecting my credit score and my ability to obtain good credit in my

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX AND XXXX are report inaccurate information on my credit report about my chase auto loan with XXXX # XXXX. I proof that chase Auto agreed to update my credit file however XXXX AND XXXX  are refusing to make the changes, they keep saying that they spoke to chase regarding this account and that they agreed that is accurate which i don't believe because is on the chase auto system when i called and they pulled the information they had send me and is exactly the same. I think they not taking the time to investigate and just sending me random answers. am going to attach a copy of both letter from chase auto as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
Several emails have been sent to Stillman Law office to remove an incorrect collection balance that is being erroneously reported and impacting my credit scores. The balance was paid in full and cleared my financial institution on XX/XX/XXXX for {$3800.00}. Acknowledgement was received of the paid in full amount through the NH court. 

Filing Details Case Number XXXX Case Style Absolute Resolutions Investments, LLC v. Personal name intentionally removed. 
Date/Time Submitted XX/XX/XXXX XXXX PM EST Filing Type Paid in Full Notice Activity Requested Paid in Full Notice Filing Description Notice of Full Payment Filed By XXXX XXXX XXXX XXXX Absolute Resolutions Investments, LLC : NH E-File ( XXXX ) XXXX XXXX XXXX ( XXXX ) Despite my best efforts to resolve, Stillman Law Office has been non responsive to my request and email correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX - XXXX - {$10000.00} XXXXXXXX XXXX XXXX  XXXX - {$4300.00} XXXX XXXX - XXXX - {$9800.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-01-30 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: GA

Complaint narrative:
Experian Dispute Department, I am writing to formally notify you that my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) have been violated in relation to the reporting and handling of my account.

Violation of Privacy ( 15 U.S.C. 1681 Section 602 ) : The FCRA, specifically 15 U.S.C. 1681 Section 602, establishes that consumers have a right to privacy regarding their personal financial information. It is my belief that this right has been infringed upon, as the reporting of my account details has not been handled in a manner consistent with the privacy protections provided under the law. 

Improper Furnishing of Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account information without the consumers explicit written instructions. I did not authorize the sharing or reporting of this account, and I request that any unauthorized furnishing of my account information be addressed immediately. 

Violation of Payment Handling ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made in a timely manner. I believe that my account has been incorrectly reported as having a late payment, despite compliance with the required payment terms. I request that you correct this reporting error as it violates federal law and unfairly impacts my credit report. 

XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I ask that you take immediate action to address these violations by : Removing any inaccurate late payment information from my credit report. 
Ceasing the unauthorized furnishing of my account information. 
Providing written confirmation of the actions taken to correct these violations.

Failure to address these issues promptly may result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your immediate attention to 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 2025-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I had opted out of receiving physical mail as I am a victim of mail fraud so I opted in for e-delivery/e-statements for all my accounts with XXXX receive statements, notices, and documents this way. I did this when XXXX was XXXX and also when XXXX took over XXXX, I did it in the beginning of 2024 and sat with the assistant manager XXXX as well to go over all the email preferences as well at that time. I have been getting e statements regular. 
When I brought this to the assistant manager XXXX that I have been getting mail with my personal information from XXXX to my mailbox she had told me otherwise about my preferences which is not true as I do get these e statements emailed to me and do you have an online account settings only set up and not to receive paper mail at all on all my settings.

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 2025-01-30 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: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX Card services.

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 2025-01-30 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: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX Card services.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/XXXX I went to make a purchase at XXXX and decided to use my Apple Card as I knew I had plenty of credit available. 
The cashier tried the card several times with no avail. 
After suffering the public humiliation of having to return the products, I contacted XXXX. 
They claim that I was sent an email on XX/XX/XXXX warning of a pending account closure along with another email on XX/XX/XXXX closing my account. 

When I asked for DNS receipts, they could not provide me with anything other than a standard warning pdf and closure pdf with my name and email. 

At no point when applying for the Apple Card was I informed that inactivity could result in account termination. 
The advertising was actually the opposite. Claiming to be unlike any other credit card with no annual fees, no hidden fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-30 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete 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
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
This action is on my report i am being sued for {$360.00}. As soon as i received this information of the matter, I made a police report. My mail box was broken into which i reported to the police. I had to have the office obtain my mail. That is when i learned of the account

Company response to consumer: Closed with explanation