vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
My account with EQUIFAX 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 da
te.

EQUIFAX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
I am a victim of identity theft, and I am feeling extremely desperate and overwhelmed. I recently found out that someone used my personal information without my permission to open multiple accounts and services in my name. These include : A XXXX XXXX XXXX XXXX  opened in XX/XX/XXXX, discovered in XX/XX/XXXX ( Account # : XXXX ). 
Two auto insurance policies : XXXX, opened in XX/XX/XXXX, discovered in XX/XX/XXXX, amount : {$62.00}. 
XXXX, opened in XX/XX/XXXX, discovered in XX/XX/XXXX, amount : {$1100.00}. 
XXXX XXXX phone accounts : Account # : XXXX, opened in XX/XX/XXXX, discovered in XX/XX/XXXX, amount : {$690.00}. 
Account # : XXXX, opened in XX/XX/XXXX, discovered in XX/XX/XXXX, amount : {$420.00}. 
I never requested or authorized any of these accounts. This has seriously damaged my credit and is making my life very difficult. I have a family, and we are trying to buy a home, but this situation is destroying our chances. I am doing everything I can to fix this, but I feel like Im running out of options and time. Please help me resolve this as quickly as possible and remove these fraudulent accounts from anything connected to my name.

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 2025-05-01 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: FL

Complaint narrative:
There are several serious inaccuracies appearing on my TransUnion credit report that I am formally disputing, and they seem to be the result of a data breach. The accounts listed under 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all appear as derogatory charge-offs. These accounts are riddled with discrepancies in balance reporting, account status, and in some cases, duplicate references. I have no verifiable record or documentation from these creditors confirming the accuracy of this information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. The presence of these incorrect items directly violates that legal obligation and suggests a systemic failure to verify information before allowing it to negatively impact my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has called my phone multiple times a day on a daily basis. They call from different numbers each time. I have sent a dispute email to this company including that I would like all communication to be done via email for written interactions to be documented. They continue to call and it has now gotten out of hand that they continue to call while I am at work, on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
XXXX did state that the loan processor was out sick for the week in question however did not justify reasons as to why in previous weeks they were not able to answer my questions toward untimely processing of forms and financial information submitted. Here are some areas of concern I communicated to XXXX : -Not being able to contact anyone for over a week when my loan banker disappeared. I had to go online through a few phone numbers and leave two voicemail messages and two emails after I finally got a manager.

- The loan processor failed to comunicate with me in the process and challenges they were facing to financial documents I had submitted. I again, had to go online then go to the XXXX 's client profile where I was then able to get bits and pieces of information.I then communicate the issues through email to my loan banker, loan processor and manager. 

-Unrealistic timeline on delays caused hindered time waisted, lost of invesment opportunity and unecessary back and forth in shortfalls on clarity, viewpoints and distress to how XXXX does bussiness.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate and unlawful reporting of a collection account XXXX XXXX XXXX XXXX XXXX XXXX by National Credit System on my credit report. This account is not only fraudulent and unverified, but it is also being reported inaccurately and in direct violation of both federal and Texas state law. 

This collection account has had no activity since XXXX, yet it continues to show a monthly CO ( charge-off ) status through XX/XX/XXXX, which is illegal. Collection accounts can not report payment history or ongoing monthly charge-off notations, as this misrepresents the account 's status and artificially depresses credit scores. Additionally, the account is past the statute of limitations in Texas, meaning it is no longer legally enforceable and should not be reported at all. 

On XX/XX/XXXX, I sent a written dispute and validation request to NCS regarding this account. I specifically requested documentation to verify the legitimacy of the alleged debt. To date, I have not received any supporting documentation, including a signed agreement, itemized breakdown of charges, or proof of ownership or transfer of the debt. The original creditor listed was contacted and could not verify the balance reporting, yet alone this account. 

Furthermore, my personal information was compromised in the XXXX data breach, and I have provided my official breach claim to support this dispute. I believe this account may be the result of identity theft or the misuse of compromised personal data. In addition, NCS has a documented history of deceptive and abusive collection practices, which further raises questions about the legitimacy of this account. 

Under the FCRA, credit reporting agencies and data furnishers must ensure that all information reported is accurate, complete, and verifiable. Reporting a stale, unverified, and incorrect account constitutes a clear violation of my consumer rights. Furthermore, under the Texas Finance Code, debt collectors must provide proper validation upon request. NCS has failed to comply with this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
Dear Experian, I am writing to dispute inaccurate and misleading information on my credit report concerning this XXXX XXXX XXXXThere are two significant errors in the way this account is being reported:1. Inaccurate Payment History : Although the report lists XX/XX/year> as the last payment date, the payment history section fails to show any payment activity for XX/XX/year>. This is inaccurate and suggests delinquency during a period when a payment was made.2. Incorrect Charge-Off Balance : The account is marked as charged off with a written-off amount of {$530.00}, yet it also shows a current balance of {$530.00} owed. According to FCRA guidelines, once an amount is written off, the outstanding balance should reflect as {$0.00}. The current reporting inaccurately implies both a loss to the creditor and an unpaid debt on my part, which is misleading.Also, XXXX the original balance is reporting as {$520.00} and past due amount showing {$530.00}. Which is also inaccurate and misleading and is hurting my score and preventing me from purchasing a home for my family.I am requesting that Experian reinvestigate this account and remove it if it can not be verified with accurate information. Ive enclosed a screenshot from my credit report for reference.Please respond in writing with the results of your investigation. As stated under the Fair Credit Reporting Act ( FCRA ), I understand you are required to complete this investigation within 30 days.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX I applied for the Capital One Savor Card, not in a small part due to the advertised XXXX XXXX promotional bonus, I was notified that I was approved for the capital one savor card with an APR of roughly XXXX XXXX  and a limit of XXXXXXXX XXXX Nowhere on the opening paperwork or the agreement did the card state that it was the Capital One savor card with good credit ( this will matter later on ). I spent more in the first 3 months than the promotional bonus required me to to obtain it, after 3 months of not receiving my promotional bonus I called CapitalOne 's support line about it. I was then told that my card was not the correct one to receive this promotional bonus, they stated that I have the savor one card for good credit. Not the required savor one card. I looked at my opening agreement and found nowhere on there stating that I was given the Savor Card for Good credit, it only stated that I was approved for the capital one Savor Card. I checked everywhere I could on the app and the website, none of them stating I had the card for good credit. I then requested my agreement from capital one again and they sent it to me, nowhere on there did it state that this was anything other than a Capital one savor card. I still haven't been able to get anything resolved, for this reason I have started the complaint process here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX  on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX  on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX on XX/XX/XXXX account is shown as in collection collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I open my XXXX. I viewed my credit report and I saw an unusual credit card that I was never aware of. Ive never applied for it. I have no idea what took place. I called the company letting them know. 
Unfortunately, they wouldnt wan na hear me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have had a Gmail rewards credit card by XXXX since XXXX. I didnt use it until XXXX. I have never opted for online billing on any credit card in my life. I noticed on my phone app that I had a balance of approximately {$170.00} which I paid immediately. Evidently I was subsequently billed {$2.00} in trailing interest. I never knew about this charge because I received no statements. The charge went past due and delinquent and the credit bureau lowered my credit score by XXXX points .. from approximately XXXX to XXXXI contacted XXXX and asked for a goodwill adjustment and they said no. They said they sent me emails I told them that I never opted out of getting paper statements on this card or any card. I have had my credit destroyed as a result. I always pay my bills on time and obviously if I had known about a {$2.00} charge I would have paid it immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
TransUnion is inaccurately reporting two charged-off accounts : XXXX  XXXX ( account number XXXX ) for {$1700.00} and XXXX  ( account number XXXX ) for {$3100.00}. Neither of these entries has been validated with complete documentation, such as original contracts or itemized statements proving the debts legitimacy. I have not received any prior notice from these furnishers or an opportunity to verify the accuracy of these debts before they were reported, which is a clear violation of 15 USC 1681e ( b ), which requires the credit reporting agencies to ensure maximum possible accuracy of information, and 15 USC 1692g, which requires that consumers be provided proper notice and debt validation. These negative accounts were reported without due process and appear to be the result of a broader data integrity failure or potential data breach that allowed misinformation to be attached to my profile without my knowledge or consent.

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 2025-05-01 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:
My TransUnion credit report is currently reporting multiple charge-off accounts that are inaccurate and misleading. Specifically, the accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The fact that all of these accounts are reflecting {$0.00} and are still being reported as charge-offs raises serious concerns about the accuracy and integrity of the data being maintained and shared by TransUnion. These entries are negatively impacting my creditworthiness despite being resolved or closed with no outstanding balance. Given the {$0.00} balance, these accounts should not be coded or labeled as derogatory charge-offs. I have reason to believe that the misreporting of these accounts is the result of a data breach that has compromised the accuracy of my credit file. Under 15 USC 1681e ( b ), TransUnion has a legal obligation to maintain maximum possible accuracy in the information they report. The continued reporting of {$0.00} balance charge-offs violates this obligation and is an unacceptable error that must be rectified.

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