vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: MN

Complaint narrative:
On XX/XX/year> my personal checking account and savings account, along with my XXXX XXXX  childrens accounts based on a judgment that k was never served a summons to appear for. I sent them a copy of all the bank statements along with my competed exempt forms. They cut contact with me once I submit the forms and claim to be unable to call or email out to get in touch with me. My financial institution could not get a response to any of the memos they sent to the firm as well. After XXXX days my funds were released back into the accounts. A month later, they took more money from my account with no letter, no court summons, nothing at all. The funds they took are once again exempt. It is my understanding that once exempt status is acknowledged they are not allowed to take the money again. I tried setting up a payment plan with them and they told me they had to send the offer up to get approved. I called back XXXX days later and they said they still didnt have an answer. When I mentioned the exempt forms again is when they had me send them over to an email address and then contact was cut. I called them again today about it and was told to resubmit exempt forms and call my bank. I have faxed and emailed the proper documents again and according the the papers I should only have to wait XXXX business days for my money to be released. My issue is that they did not notify me that they bought the debt, nor did I receive any correspondence showing me I needed to contact them regarding the matter. I have been working diligently going through each of my collections to settle them and they have done nothing but go around proper protocol and laws to steal money that can not be touched in these types of cases. This is the first of many complaints I will be making because I should not be ignored when I do not have a job. I was injured at work and for XXXX years went to XXXX  and had XXXX. They emptied all my accounts and my kids accounts to XXXX  leaving no money to live. They never informed me that they bought my debt giving me a chance to dispute the amount owed or arrange anything. I was never served a summons. The only reason I found out about the debt was when they emptied my checking and savings and my XXXX XXXX  childrens checking accounts.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was trying to pay off my credit card sooner. I have a part-time job currently, And I've had to sponsor on. So, Partial of my parents besides, My own expenses As we know everybody 's struggling with inflation. Everything keeps going up And Is higher. 

I will try to pay off this credit card, but I'm not willing to use the services no more. I know it helps with the economy, We all get help with our struggles on times. Also, we need more consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX EXPERIAN TRANSUNION 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. 


XXXX EXPERIAN TRANSUNION 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 2025-03-21 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$30000.00} XXXX  XXXX Balance : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$30000.00} XXXX  XXXX Balance : {$100.00}

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 non-monetary relief
Consumer complaint received 2025-03-21 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: OH

Complaint narrative:
I am submitting this formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq. Specifically, Experian is reporting inaccurate and unverifiable collection accounts from XXXX. XXXX, XXXX for {$900.00} and XXXX XXXX XXXX XXXX for {$320.00} on my credit report, as well as an unverified XXXX XXXX XXXX. I am requesting an investigation and enforcement action regarding these violations.

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible AccuracyExperian has failed to follow reasonable procedures to ensure the accuracy of the information they report. The collections accounts listed above are inaccurate and unverifiable, yet Experian continues to report them despite my disputes. Additionally, the XXXX XXXX XXXX listed on my credit report has not been properly verified as required by the FCRA.

15 U.S.C. 1681i Failure to Conduct a Proper ReinvestigationI formally disputed these accounts and the XXXX XXXX XXXX  but Experian failed to conduct a reasonable reinvestigation. Instead of providing verifiable documentation supporting the validity of these accounts and the bankruptcy, they simply regurgitated the information provided by third-party sources without independent verification.

15 U.S.C. 1681s-2 Furnisher ViolationsThe furnishers, XXXX. XXXX, XXXX and XXXX XXXX XXXX XXXX, have not provided sufficient documentation proving the validity of these debts. Similarly, Experian has not verified the accuracy of the XXXX XXXX XXXX. Under the FCRA, Experian is required to ensure that the furnishers comply with their obligations before continuing to report potentially erroneous information.

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 2025-03-21 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: NC

Complaint narrative:
Pursuant to 15 U.S.C. 1692c ( c ), I need proof of authorization, verify that this constitutes a legitimate credit transaction and valid photo identification linking me to this alleged debt.

I am a documented victim of identity theft, and I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) an
d the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated third party. 

Fraud Accounts : XXXX XXXX : Balance : {$2600.00} : It is XXXX  when Fraud Begun. 
XXXX XXXX XXXX : Balance : {$51000.00} : Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX : Balance : {$730.00} : Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX : Balance : {$230.00} : Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX Resources : Balance : {$230.00} : Fraud Begun : XX/XX/XXXX Unauthorized Hard Inquiries are : 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 XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ), you are legally required to block and delete fraudulent information upon receipt of a valid identity theft report, which I have provided on multiple occasions. Your failure to take corrective action violates federal protections outlined in the Identity Theft and Assumption Deterrence Act, as well as state consumer protection laws

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 2025-03-21 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: CA

Complaint narrative:
I am reaching out to express my frustration over the inaccuracies on my report that are negatively impacting my scores. These errors have created unnecessary financial barriers and have limited my ability to access opportunities that I rightfully deserve. It is unacceptable to be penalized for mistakes that are beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: MD

Complaint narrative:
Complaint Description : I sent {$340.00} to XXXX through Taptap Send on XX/XX/year>, at XXXX AM. I received a delivery notification a few minutes later, but when I followed up with the recipient ( my mother ), I realized the money had not been delivered to her account. 

Follow-up and Compliance : I contacted Taptap Send immediately to notify them of the situation. 
By Monday, XX/XX/XXXX, there was no resolution, and they requested the recipients bank statement, which we complied with and provided screenshots of. 
On Tuesday, XX/XX/XXXX, they requested an official statement directly from the recipients bank ( XXXX XXXX XXXX  XXXX XXXX ), which we also complied with and sent promptly. 
Proof of Payment vs. Bank Findings : Taptap Send later claimed they launched an investigation and provided me with a proof of payment indicating the money was supposedly delivered on XX/XX/year>. 
However, after sharing this proof with XXXX, the bank confirmed that no such transaction exists in their system. 
Red Flag from the Bank : To make matters worse, a XXXX bank manager advised my mother to be cautious when using Taptap Send, mentioning that they had encountered a similar case earlier that week where another customer is yet to receive their funds. 

Ongoing Delays and Financial Impact : Despite providing all requested documents and evidence showing non-delivery, Taptap Send has now asked me to wait an additional 7 days for another investigation. 
I have already waited 6 days since initiating the transfer, and during this time, I am incurring daily fines because the {$340.00} was meant for a loan repayment. 
Request for Resolution : I am requesting CFPBs intervention to : Hold Taptap Send accountable for the delayed delivery and non-responsiveness. 
Expedite the resolution and ensure the funds are delivered or refunded immediately. 
Investigate their practices to prevent this from happening to other consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-21 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-21 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-21 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: NY

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
Debt collection sent letter, I responded disputing the debt within the allotted time-frame via mail. 

Collector is attempting to communicate further with me without responding to my letter of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MO

Complaint narrative:
On XX/XX/XXXX I faxed a notice requesting XXXX XXXX to update credit reports pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 2 ) within three ( 3 ) days from receipt of notice. XXXX XXXX XXXX has not yet complied. On XX/XX/XXXX I sent a 2nd Official Notice : Demand to Correct Credit Report Pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 2 ), via XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX, a demand to immediate correct inaccurate account reporting XXXX TransUnion XXXX XXXX, and XXXX credit reports. Specifically, account 's Monthly Payment, Balance, Date Updated, Payment Received, Last Payment Made and Terms that have not been updated with TransUnion, XXXX or XXXX since XX/XX/XXXX. As a result, the information currently being reported is inaccurate, which is causing me harm.

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 2025-03-21 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: MO

Complaint narrative:
On XX/XX/XXXX I faxed a notice requesting XXXX XXXX to update credit reports pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 2 ) within three ( 3 ) days from receipt of notice. To-date First Progress has not yet complied. On XX/XX/XXXX I sent a 2nd Official Notice : Demand to Correct Credit Report Pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 2 ), via USPS Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX, a demand to immediate correct inaccurate account reporting to XXXX XXXX XXXX, and Experian credit reports. Specifically, account 's Monthly Payment, Balance, Date Updated, Payment Received, Last Payment Made and Terms that have not been updated with XXXX, XXXX or Experian since XX/XX/XXXX. As a result, the information currently being reported is inaccurate, which is causing me harm.

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 2025-03-21 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: IL

Complaint narrative:
They said they charged for the report.here is the consumer law to be removed from my credit Since I disputed this charge XXXX years ago and never received the product, the continued reporting of this debt violates 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits furnishing false credit information after a dispute.

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