vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
My accoun 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in regard to an auto loan account. The details below outline the issue : Creditor Name : Global Lending Services Payment status : In collections Remarks : Profit and loss write-off The vehicle associated with this loan was voluntarily surrendered and picked up on XX/XX/XXXX and has since been sold by the creditor to the best of my knowledge. 
Account states last payment was XXXX of XXXX after vehicle was returned. XXXX XXXX states this payment stated was from the vehicle being sold. 
Payoff correspondence with amount due after vehicle was sold has been requested and not provided. 

Last update I can see on my account is XX/XX/XXXX. 


Why This Is Inaccurate : An account that has been voluntarily surrendered, charged off, and sold should no longer be reported as open. Reporting it as such is misleading and inaccurate, and could be considered a violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit information be reported accurately and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
This debt collector is in violation of the FDCPA as they did not contact me in any way ( in person, electronically, via phone, or via mail ) before reporting a debt to consumer credit bureaus. 
I did not know this debt was in collections until I checked my credit report in XX/XX/XXXX. 
The collections account ( according to the details in my credit report ) appears to have been opened in XX/XX/XXXX. 
Furthermore, the original debt was in the midst of a dispute, with my attorney having reached out to the original creditor to request validation ; so it should not have been sold to collections anyway. 
Original debt amount : {$XXXX} Amount reported to consumer credit bureaus : {$XXXX} Date original creditor notified me of debt : XXXX XX/XX/XXXX Date my attorney sent demand letter certified mail to original creditor, disputing debt amount & requesting reduction of amount based on XXXX  XXXX XXXX : XXXX XX/XX/XXXX The original creditor ( XXXX XXXX, owner of apartment complex Estates At XXXX XXXX in XXXX XXXX  ) has yet to respond to my attorney or reach out to me regarding this demand letter/dispute. 
I was never notified about the debt being sold to any collections company, and the collections company has yet to communicate with me in ANY way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$380.00} XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XX/XX/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 2025-04-09 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: NJ

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 2025-04-09 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
AidVantage discontinued my auto pay on the account without my authorization or knowledge. Therefore I became delinquent on all 7 loans when the payments restarted last year. These delinquencies caused my credit score to drop from the low XXXX to the XXXX. I believe these should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am filing this complaint to address EXPERIAN 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # ( XXXX ), and filing prior CFPB complaints ( # [ XXXX ] on [ XX/XX/year> ], EXPERIAN reinstated fraudulent accounts without providing a valid reason.

EXPERIAN has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft and fraud, as evidenced by my submitted FTC Criminal Complaint.

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations.

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 2025-04-09 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.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I have sent in letters disputing the items as well as unauthorized inquiries. I have also sent in police reports that I filed for identity theft and i am a victim of XXXX XXXX .Account Details SECURITY CREDIT SERVIC Negative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 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 View More Account Details Account Status Closed Dispute Status XXXX Account Type Installment Payment Status CollectionOrChargeOff Balance Owed {$750.00} Credit Limit XXXX Last Reported XXXX XXXX This second account was settled in court, but they did not show up to court, and the judge threw out the case. i also have reached out to them to ask for information on how i owe this money and no response as well as asking them for proof of the information that they sent to irs because it was charge odd and i need a form to file it with irs and no response this is hurting my credit and keeping me XXXX  XXXX Negative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View More Account Details Account Status Closed Dispute Status XXXX Account Type Installment Payment Status CollectionOrChargeOff Balance Owed {$6400.00} Credit Limit N/A Last Reported On XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I recently review my credit report and noticed a report that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am an XXXX XXXX XXXX woman and use my Capital One credit card sporatically for food and other necessary charges for miscellaneous items. I tried to use my card and it was declined and I called the bank to attempt to find out what the issue was for card decline. They told me my balance was {$870.00} which was above my credit limit. They told me i missed 2 installment payments and I went to my bank and i was given a copy of each month of payment that they claimed I missed but those checkes were cashed by Capital One. They still insisted I was 2 months late and refused to research the problem and my charges that they read to me did not add up to what they said I owed. My payments must have been misapplied to another person 's account. I have been a customer of theirs for over 20 years and they did not care to help me resolve this issue. I have now been charged excess interest and late fees along my credit being marked as late to the Credit reporting Agencies. My Son in Law who is a XXXX  XXXX at a Financial Lending Institution said you would help me if a appealed you. Thank You in advance for your consideration to my problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Passport ID Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of all item, as it is incorrect and does not reflect my true credit history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
on XX/XX/year> and XX/XX/year> I received a letter for " validation of debt '' from an unknown company/debt collector with no information regarding the loan. I do not know what this is! I would like to file a complaint regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and the Fair Debt Collection Practices Act ( FDCPA ). I did not authorize these inquiries, and under the law, a company must have permissible purpose before accessing my credit file.

The unauthorized inquiries in question are as follows : 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 Under 15 U.S.C. 1681b, a credit reporting agency is only permitted to provide my consumer report under specific circumstances, including a legitimate business transaction that I have initiated. Since I have not authorized these inquiries, they are in violation of federal law and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XX/XX/XXXX LVNV Funding LLC XXXX, SC XXXX ( XXXX ) XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing to formally request validation of an alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This request is in response to a communication I received from your office dated XX/XX/XXXX. 

Please understand that I am not refusing to pay, but I am requesting clarification and verification regarding this matter, as I believe every consumer has the right to accurate and complete information about debts being pursued in their name. 

To properly validate this debt, please provide : The amount of the alleged debt, including an itemized accounting of any interest, fees, or other charges ; The name and address of the original creditor Documentation bearing my signature or other evidence of my responsibility for the debt ; A complete payment history and explanation of how the balance was calculated ; Verification of your legal right to collect on this debt, including any documentation of transfer or assignment ; Confirmation that you are licensed to collect debts in my state, along with your license number.

I respectfully request that no further collection activity, including reporting to credit bureaus, take place until this validation is provided. If you are unable to furnish this information, I expect that all references to this account will be removed from your records and any credit reporting agencies to which it may have been reported. 

Please respond to this request in writing at the address listed above. Thank you for your cooperation and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation