vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2025-04-23 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: PA

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 l
ate 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 deli
vered 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 2025-04-23 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Subject : Formal Dispute of Alleged Debt and Request for Validation under FDCPA and FCRA To Whom It XXXX Concern, I am writing to dispute the validity of the alleged debt referenced in your recent communication dated [ insert date of their letter or call ]. Please be advised that under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am formally requesting a full validation of the debt and the immediate cessation of collection activity until such validation is provided. 

In accordance with federal law, I request the following : Validation of the alleged debt, including : The name and address of the original creditor. 

The amount of the alleged debt, including a breakdown of interest, fees, or other charges. 

A copy of the original signed contract or agreement bearing my signature ( if available ). 

Proof that you are authorized to collect on behalf of the original creditor. 

An investigation and correction of any inaccurate or unverifiable information that XXXX have been reported to any consumer reporting agencies. If this debt is on my credit report, I demand that it be marked as disputed and removed if you can not verify its accuracy in compliance with 15 U.S.C. 1681s-2 ( b ). 

You are hereby instructed to cease and desist all collection activity, including phone calls, letters, and reporting to credit bureaus, until you have complied fully with the above requests. 

Be advised that any further reporting of this debt without proper investigation and validation is a violation of the FCRA and FDCPA and XXXX result in legal action. This letter is sent in good faith and is not an admission of any liability. All rights are reserved. 

Please respond to this request within the timeframe required by law. A failure to do so will be documented and reported to the appropriate oversight agencies including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

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 2025-04-23 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: NY

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt. 
2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within XXXX  XXXX. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX XXXX  ]. 

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 non-monetary relief
Consumer complaint received 2025-04-23 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 am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt. 
2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within XXXX  XXXX. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX XXXX  ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
By XXXX, 2025 all medical debts have to be removed as collection with all credit reporting agencies as part of a reform movement from the CFPB. The medical debt reported against me from Radius Global must be removed as soon as possible, or by XX/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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
The company involved is Cash app. I requested refund on XXXX XXXX of XXXX I called my bank to submit a dispute and reach out to cash app several times I never received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: DE

Complaint narrative:
Complaint Summary : I am filing this complaint against Equifax, Experian, and TransUnion for knowingly reporting false, inaccurate, and unverified debt information on my credit report, despite multiple formal disputes submitted over the past several months.

Under 15 U.S. Code 1681i, I exercised my right to dispute these entries. However, the credit bureaus have failed to provide any proof of debt, including the original contracts bearing my wet ink signature as required by 15 U.S. Code 1692g. This failure directly violates : FCRA 1681e ( b ) Failure to maintain accurate information FCRA 1681i ( a ) ( 5 ) ( A ) Failure to correct or delete unverifiable information FDCPA 1692g ( b ) Continuation of collection activity without validation Delaware Consumer Fraud Act 6 Del. C. 2513 Deceptive trade practices As a result of their negligence and failure to comply with federal and state law, I have suffered significant financial harm, including being denied housing and ultimately experiencing homelessness with my family.

I am requesting the immediate removal of all negative and unverifiable accounts and demand that the Consumer Financial Protection Bureau investigate these violations. I am also seeking compensation for damages caused by this reckless disregard for consumer rights, in accordance with 15 U.S. Code 1681n.

Requested Relief : Immediate deletion of the disputed accounts Formal investigation into the credit bureaus ' failure to validate debts Financial compensation for damages incurred Written confirmation of all actions taken

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 2025-04-22 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: WA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

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 explanation
Consumer complaint received 2025-04-23 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: IN

Complaint narrative:
As the duly appointed fiduciary of the XXXX XXXX XXXX XXXX, I filed IRS Form XXXX and served formal notice of fiduciary capacity on all relevant agencies and creditors, including XXXXXXXX XXXX This established lawful authority under 26 U.S. Code 6903 and 26 CFR 301.6903-1. 

On XX/XX/XXXX, I sent certified notice of fiduciary administration and estate assignment of all obligations tied to the alleged XXXX  account. That notice was confirmed received on XX/XX/XXXX. I provided XXXX days for validation or objection. None was received. 

On XX/XX/XXXX, I submitted IRS Forms 1099-A and 1099-C as fiduciary of the estate. Despite full compliance on my part, XXXX has failed to respond, failed to acknowledge fiduciary standing, and continues to report the account under my personal name in violation of fiduciary law and consumer protections under the FCRA and FDCPA. 

Their failure to comply directly impairs my ability to carry out fiduciary duties and has harmed my livelihood, including my inability to obtain necessary transportation following a devastating XXXX accident. 

Fiduciary violations include : 26 USC 6903 ( a ) : Fiduciary authority properly established 26 CFR 301.6903-1 : Fiduciary becomes point of contact upon notice Uniform Fiduciaries Act : Liability applies when fiduciary authority is ignored FCRA & FDCPA violations include : 15 USC 1681s2 ( a ) : False or outdated data must not be reported 15 USC 1681i : Failure to reinvestigate dispute within 30 days 15 USC 1681e ( b ) : Inaccurate info violates duty of accuracy 15 USC 1692g ( b ), 1692e, 1692f : No validation provided, continued false reporting, unfair and abusive collection behavior I exercised every fiduciary and legal responsibility with full transparency. XXXX nonresponse and continued derogatory reporting is not just negligent its unlawful. 

I request immediate deletion of this tradeline, confirmation of closure, and a full investigation into XXXX noncompliance. Supporting documentation including Form XXXX, XXXX, certified mail receipt, and credit report is attached.

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 2025-04-23 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: DE

Complaint narrative:
Complaint Summary : I am filing this complaint against Equifax, Experian, and TransUnion for knowingly reporting false, inaccurate, and unverified debt information on my credit report, despite multiple formal disputes submitted over the past several months.

Under 15 U.S. Code 1681i, I exercised my right to dispute these entries. However, the credit bureaus have failed to provide any proof of debt, including the original contracts bearing my wet ink signature as required by 15 U.S. Code 1692g. This failure directly violates : FCRA 1681e ( b ) Failure to maintain accurate information FCRA 1681i ( a ) ( 5 ) ( A ) Failure to correct or delete unverifiable information FDCPA 1692g ( b ) Continuation of collection activity without validation Delaware Consumer Fraud Act 6 Del. C. 2513 Deceptive trade practices As a result of their negligence and failure to comply with federal and state law, I have suffered significant financial harm, including being denied housing and ultimately experiencing homelessness with my family.

I am requesting the immediate removal of all negative and unverifiable accounts and demand that the Consumer Financial Protection Bureau investigate these violations. I am also seeking compensation for damages caused by this reckless disregard for consumer rights, in accordance with 15 U.S. Code 1681n.

Requested Relief : Immediate deletion of the disputed accounts Formal investigation into the credit bureaus ' failure to validate debts Financial compensation for damages incurred Written confirmation of all actions taken

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