vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXX OF XXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXX OF XXXX account. This complaint specifically pertains to the credit file maintained by XXXX, XXXX, and Equifax. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : Equifax : Reports a 30-day late payment for XX/XX/XXXX. 
XXXX and XXXX : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by XXXX and XXXX, but {$0.00} by Equifax. 
Payment Amount : {$64.00} ( XXXX and Equifax ), {$100.00} ( XXXX ). 
Last Verified Date : XXXX : XX/XX/XXXX ; XXXX : Not reported ; Equifax : XX/XX/XXXX. 
Date of Last Activity : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
Date Reported : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information.

15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful.

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the reporting of false or misleading information regarding a consumers debt.

Requested Resolution : I request the following actions be taken : Conduct a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-01-28 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: NC

Complaint narrative:
XX/XX/XXXXequifax and XX/XX/XXXX. Did not perform thorough investigations on my disputes. I would like to dispute the XXXX of my profile and have unverified information removed. This dispute is submitted under FCRA 15 USC 1681i which requires credit reporting agencies to conduct a reasonable investigation of disputed items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB, I am writing to report a concern I have with Equifax, one of the major credit reporting agencies. I recently disputed an account on my credit report, and Equifax is refusing to provide me with detailed information on how they verified that the account belongs to me. 

Despite my requests, the supervisor in the fraud department at Equifax, XXXX, has refused to provide me with the documentation supporting the accuracy of the information they are reporting about me. 

I informed him that, according to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to provide evidence of how they verified my information when I dispute an item on my credit report. 

However, he still refused to provide me with the necessary information. I asked to speak with a manager, and XXXX claimed that he was the manager. When I requested to speak with his supervisor, he stated that his boss would not talk to me. 

I am concerned that Equifax is not complying with the FCRA and is not providing me with the necessary information to resolve my dispute. 

I would appreciate it if you could look into this matter and take appropriate action to ensure that Equifax is complying with the FCRA. I have tried to resolve this issue with Equifax directly, but they have refused to provide me with the necessary information. 

Under the Fair Credit Reporting Act ( FCRA ), which is the relevant law, Equifax ( and other credit bureaus ) are required to provide you with evidence on how they determined a debt belongs to you if you dispute it and request this information ; they must investigate your dispute and provide you with the information used to verify the debt 's accuracy Please find below the details of my dispute : 1. *Account in question* : XXXXXX/XX/XXXXXXXX, account number starting with XXXX ( I am unable to see the rest of the numbers ) Equifax would not share it with me 2. *Date of dispute* : XX/XX/year> 3. *Equifax representative* : XXXX, supervisor in the fraud department I would appreciate any assistance you can provide in resolving this matter. 

Please let me know if you require any additional information from me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My AMEX credit card autopay was tried ~3 days before the due date. I called and figured out how to transfer enough $ $ into my AMEX checking so that the autopay would go through, incurring a fee for wire transfer. 

The autopay posted successfully on XX/XX/year>2025. Yet I was still charged for a returned payment fee on XX/XX/scrub> 2025, despite the fact that I did everything on my end to make sure the payment posted, and the payment did post. 

I called and was told the fee could not be waived. I also messaged on americanexpress.com, explained I have a relationship with both Card and Bank, still no waiver. 

I find this unfair, given that the payment actually posted. In addition, I have autopay set up, I had never had a payment returned and I actually wired money into my AMEX checking incurring fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Zwicker & Associates, P.C. mailed me a collection letter on XX/XX/year>24 requesting to pay a debt that doesn't belong to them. I didn't authorized this company to have any information of myself or my finances. I request Zwicker & Associates, P.C. to prove any document signed by me authorizing them to collect any moneys from me and they didn't do it. 
Therefore, their actions are illegal and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-28 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-01-28 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: IL

Complaint narrative:
Please be advised that this letter serves as my good faith effort to resolve discrepancies regarding this matter in accordance with my rights under 15 USC 1666 ( b ) and 15 USC 1692g of the Fair Credit Billing Act ( FCBA ) and the Fair Debt Collection Practices Act ( FDCPA ), respectively.

Nature of the Dispute Billing Error and Negligence ( 15 USC 1666b ) : Upon review of the account and billing details, I have identified significant inaccuracies that constitute billing errors with Experian, XXXX, XXXX. These discrepancies indicate negligence in handling my account, which has caused undue hardship and damage to my financial standing.

Per the FCBA ( 15 USC 1666b ), I am exercising my right to dispute these errors. I request that you investigate this matter promptly, as I was NOT provided a written clarification on the specific charges, along with evidence validating their accuracy.

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 2025-01-28 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: CCS Financial Services, Inc.
State: KY

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 processing ( 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.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
I have submitted multiple disputes with all three credit bureaus and not a single one of them ever delete everything within a matter of 48 hours it says that its correct and it will continue to stay on my credit report. There is stuff on my credit report that is Many many years ago that shouldnt be on my credit report anymore. Its also showing that my student loans are in the negative one. Actually they are fine.

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 2025-01-28 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:
Ive done this back in XXXX for XXXX and Transunion to remove the debt. Ive sent certified documentation and they still havent removed or responded.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2300.00} Open Date XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX Balance {$910.00} Open Date XX/XX/XXXX Inquiries XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
This LVNV Funding LLC account, purchased by a debt buyer, is being weaponized against me on my credit report. The loan, originally taken out for a credit card in XXXX, is now well past the statute of limitations as it is XXXX. When I discovered this issue on my credit report, I contacted LVNV Funding, who referred me to a law firm called XXXX XXXX and XXXX XXXX XX/XX/XXXX. 

I explained that I have been very sick and unable to address these matters. They informed me that they had filed paperwork in the state of Virginia to garnish my wages and take legal action against me ( although I do not have any wages ). However, I have not received any proof of these actions. 

I am XXXX XXXX XXXX, in poor health, and trying to resolve my financial issues. Despite my circumstances, I feel threatened and uncertain about how to proceed with this situation involving LVNV Funding, a debt buyer. I also offered a settlement of {$2000.00} to close the matter, but they informed me that I would not be able to propose a settlement until XX/XX/XXXX, because the case is currently in court. 

If you could assist me in resolving this matter as soon as possible, I would greatly appreciate it. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I didnt recieve any paperwork or notification regarding debt until it was sold to a new collector. The new collector is not listed on my credit report but they call repeatedly from multiple different numbers labeled XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures alight with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing outgoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-01-28 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: VA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-28 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: FL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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