vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history 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 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.

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
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the collection account ( COLLECTIONS USA INC ) listed on my XXXX credit report and to demand that you cease all collection activities related to this account immediately. Account Details : Creditor Name : [ XXXX XXXX XXXX ] Account Number ( if available ) : [ XXXX ] Amount in Dispute : [ {$3500.00} ] Date Reported : [ XXXX XXXX ] The debt does not belong to me, The amount is incorrect, I have never received validation of this debt, or This account is past the statute of limitations. ] Cease and Desist Demand Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am requesting that you cease all collection efforts, including phone calls, emails, and written correspondence. If you believe this debt is valid, you must provide proper debt validation as required under the Fair Credit Reporting Act ( FCRA ) and FDCPA before continuing any collection attempts. Formal Dispute Request Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am formally requesting that this account be investigated and removed from my XXXX credit report immediately if you can not provide verifiable evidence of its accuracy. Failure to respond appropriately within 30 days will result in my filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office in my state I request a written response confirming the removal of this collection or a copy of the validation documents. This letter serves as official notice that failure to comply with my request may result in legal action for violations of the FCRA and FDCPA. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 1666 BA, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
Experian, Transunion and Experian are reporting inaccurate, fraudulent information. There are five non-mailable addresses. The ONLY accurate and mailable address on file is XXXX XXXX XXXX XXXX CA XXXX. 


Experian, Transunion and Experian are reporting inaccurate, fraudulent information showing eight names. The only correct name is XXXX XXXX XXXX else must be removed immediately.

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 2025-03-31 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: PA

Complaint narrative:
Reuqested XXXXXXXX XXXX  to validate this account. 

Account : XXXX Amount : {$1200.00} I know nothing about. I have no relationship or contract or ever have with this company.

I requested the following information : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that you provide full validation of this debt, including : 1. Proof that you have the legal right to collect the debt, including a copy of the original creditor agreement that grants you authority.

2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, and any additional fees. 
XXXX. A copy of the original signed agreement between myself and the original creditor, proving I have a legal obligation to pay this debt. 
4. Verification of the statute of limitations for this debt in my state, including the date of last activity.

5. Proof that this debt has not been paid, settled, discharged, or otherwise resolved.

6. Your debt collector license number and authorization to collect in my state, as required by state law ( if applicable ).

7. The name and address of the original creditor, as required under 15 U.S.C. 1692g ( a ) ( 5 ).

XXXX XXXX failed to provide this information to me. If it wasnt provided to me how can it be provided to Experian and Transunion. They have not conducted a proper investigation.

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 2025-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX and Experian data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

XXXX Account # XXXX Balance - {$1900.00}

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Formal Statement Regarding Adverse Action, Unauthorized Credit Inquiry, and Alleged Discriminatory Treatment by Capital One Relevant Statutes : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 16911691f ECOA 701 ( d ) ( 6 ) : Right to Specific Reasons for Adverse Action Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) : Permissible Purpose for Credit Inquiries Civil Rights Act, Title VI, 42 U.S.C. 2000d : Prohibits Discrimination Based on Race in Federally Assisted Programs Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : Prohibits Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) On XX/XX/year>, I received and validated my Capital One Saver Card by submitting my government-issued ID at approximately XXXX p.m. I used the card without issue for XXXX and my XXXX subscription. 

At XXXX XXXX a XXXX transaction was declined. At XXXX XXXX, I called Capital One and was informed my card was flagged for suspected fraud. A fraud supervisor requested XXXX documents for verification : XXXX bank statements, XXXX for address, and my ID. These were submitted by XXXX XXXX the same day. 

On XX/XX/XXXX, I was told my documents were believed to be fraudulent or that I was a fraudster. My account was permanently XXXX without further explanation or recourse. I was not informed which document was disputed. This lack of transparency may violate ECOA 701 ( d ) ( 6 ) and constitutes a denial of due process. 

On XX/XX/XXXX, I received a voicemail from a woman identifying herself as XXXX, but upon calling back, I was routed to another representative who could not explain the callonly that notes indicated I should re-send the documents. 

On XX/XX/XXXX, I was alerted that Capital One performed another credit inquiry without my authorization or notice, potentially in violation of FCRA 1681b ( f ).

Given the tone, treatment, and assumptions made about the authenticity of my documentationdespite full compliance and prompt submissionI have reason to believe this experience may be racially motivated, constituting discrimination in violation of Title VI of the Civil Rights Act ( 42 U.S.C. 2000d ) and potentially ECOA, which prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, or age in credit transactions.

I respectfully request a full investigation and explanation from Capital One, including specific justification for the adverse action, clarity on the credit inquiry, and assurance that my civil rights have not been violated. I reserve all rights under federal consumer protection and civil rights laws, and I am prepared to escalate this matter to appropriate regulatory and legal authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
on XX/XX/year> I received a call from USAA on my cell phone. It was state the person on the other end was from USAA fraud department and I asked me if was expecting a deposit of {$2500.00}. I stated i was not expecting a deposit. They said well we need to get that money moved out to prevent any further issues with the account. Long story short I saw the money and moved it ( as directed by the person call from a USAA number ) The call lasted for about XXXX minutes. I alerted USAA and they stated they never called me. Prior to the transfer to XXXX XXXX  there was a request for the transfer of funds from XXXX of my linked external account to USAA. The external account did not have XXXX and eventually was returned. USAA despite the request coming from an unfamiliar IP address. Today I was advised that I provided the XXXX time log in code to these scammers to access and login to my account. I have no idea how they figured out my username or how many times they tried to log int before it asked them for the code. This all occurred while i was on the phone with the alleged USAA Fraud Dept. Due my account is always in good standing with USAA they made the XXXX transfer request immediate available and then I followed what the " fraud '' department was telling me to move it. The transfer was returned but since I moved the money to XXXX XXXX  as indicated by the person calling from an alleged USAA number and I indicated the transfer USAA says i am being held 100 % liable for the situation. I am not sure why the money was made immediately available and why the IP address was not a flag that there was something else going on. Clearly if we they could see the locations of the IP addresses if would raise a flag that the activity was suspicious. They said they would not track down the location of the IP address. I have been a member of USAA for XXXX years and none of the activity that lined up with my physical location and daily activity pattern. Despite me allegedly providing log in codes to an impersonating USAA fraud department employee from an incoming call from USAA.. they were of no assistance. I was told I am liable for this. It has caused my account to go negative by almost XXXX and put a huge burden on my, my wife and XXXX children. I have attached a Consent Order r/t their fraud practices amongst other 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 2025-03-31 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: CA

Complaint narrative:
I am writing to inform you that the account listed on my credit report is currently in pending litigation. Given the situation, this account should not be reflected on my credit report.

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 2025-03-31 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
THIS ACCOUNT SHOWS WRITTEN OFF AND IM ASKING FOR THIS TO BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD AND INACCURATE INFORMATION. 
XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$450.00} written off. {$450.00} past due as of XX/XX/XXXX. 
XXXX XXXX 150 % {$450.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$450.00} {$700.00}

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 2025-03-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-03-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach.

Company response to consumer: Closed with non-monetary relief