vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MO

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

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 XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at First Premier under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX acct XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at Unknown on XX/XX/XXXX with a balance of {$200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX charged me twice for my monthly payment. I contacted XXXX and they are claiming to have sent a refund, but the bank is saying they have not received it. My account went negative and I need to pay other bills.

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 monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these 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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX [ Email Address ] Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Debt Validation Request Account Number XXXX * * * * To Whom It May Concern : This letter is being sent in response to your reporting of a debt you allege is associated with me. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and formally requesting a full and complete validation of the alleged debt. 
Please provide the following : 1. The full and unbroken chain of title All documents showing legal ownership transfers from the original creditor to Jefferson Capital Systems , LLC.

2. The assignment contract or purchase agreement Specifically showing that Jefferson Capital Systems , LLC has been legally assigned the rights to collect this alleged debt.

3. A copy of the original contract or agreement bearing my signature, which created the alleged obligation.

4. A detailed accounting or billing history including all charges, interest, fees, and payments to validate the alleged balance.

5. The amount Jefferson Capital Systems paid to purchase or acquire this account from the original or previous creditor.

Please note : Generic bills of sale or account statements do not satisfy the requirement for validation. The assignment contract and chain of title must clearly identify the debt with specific references to my name or account number.

Under 15 U.S.C. 1692g ( b ), you are required to cease all collection efforts including reporting this account to any credit bureau until you provide the proper documentation that verifies the debt and your legal standing to collect it.

I am also requesting that all communication from your office be conducted in writing only. Do not contact me via phone. If you are unable to provide these documents, I demand that you immediately cease all collection efforts and request that the account be removed from all credit reporting agencies. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a discriminatory and retaliatory complaint against Citi cards. 
Citi XXXX access to my credit card during a phone interaction with a rep on XX/XX/XXXX when I indicated I will be submitting a formal complaint with a CFPb XXXX name was XXXX After that, I spoke to his supervisor, which said his name was XXXX, which I believe he is the one who blocked my account. He was sarcastic on the phone, condescending and careless about customers issue. 
He blocked my account to the point where he would just hang up on me without providing any additional information in regards to my own account. The same day I wrote an email to the executive team office of Citi. Days later, the rep by the name of XXXX return my inquiry via phone call where she was completely rude sarcastic in my view. She was also being discriminatory and retaliatory due to the fact that I mentioned that I will be submitting a complaint with the CFPB The company claims they block my card because I tried to add it to XXXX XXXX, which I have done several times in the past without any issues and they could easily verify my information over the phone. I provide passcode. I provide XXXX security questions that they ask each time I call so theres no reason why this time would be any different. Therefore, I come to the conclusion that this company is using retaliatory and discriminatory behaviors. At least their employees are for which false under the company is conducting those bad practices. I will communicate this to the media outlets, such as XXXX and XXXX so they can be aware of what city employees conducting behaviors are I will also submit this complaint to the board of directors of Citi. Not even once rep grace or rep XXXX apologies for these issues. They forget their employees and then who theyre speaking to is the customer there has no cost to Customer Service skills, but most important issue is that theyre being discriminatory in retaliatory when a customer mentions that he will submit a complaint with the federal government agency or agencies such as this case. I am requesting for an investigation in an investigation that is not an executive office that was site with the company. I want a legal entity, a third-party entity to investigate this issues.

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 2025-04-18 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:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
This complaint is in reference to XXXX XXXX XXXX Accrding to President Biden and in accordance with CFPB, medical debt can no longer be apart of credit file. Please remove this collection FROM MY CREDIT FILES IMMIDEATLEY!!!!!!!!! CFPB 's Recent Rule Eliminates Medical Debt from Credit Reports. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) published a final Rule ( the Rule ) that prohibits consumer reporting agencies from including individuals ' medical debt on consumer credit reports. I have yet to have this debt removed from credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the ongoing presence of fraudulent accounts on my credit reports with the national credit reporting agencies, despite my prior efforts to have them removed in accordance with federal law. My name is XXXX XXXX, and I am a victim of identity theft. 

I initially discovered the fraudulent activity in XXXX of 2022 and attempted to dispute the unauthorized accounts directly with both the creditors and the credit reporting agencies via phone. Despite these efforts, the accounts remain improperly listed and are negatively impacting my credit. 

Below is a list of the accounts that were opened without my knowledge, authorization, or benefit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already submitted disputes along with documentation to the credit bureaus, including a government-issued photo ID and an FTC Identity Theft Report. Despite these submissions, the credit bureaus have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ), particularly Sections 605B and 611, which provide protections for identity theft victims and outline their responsibility to block fraudulent information after receiving proper notice and proof. 

The continued reporting of these fraudulent accounts constitutes a violation of my rights and has caused financial and emotional harm. I am requesting that the CFPB investigate this matter and hold the credit reporting agencies accountable for their noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX  XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Reference Number : XXXX Re : Bankruptcy XXXX XXXX Petition Filed ( XXXX XXXX XXXX GA XXXX XXXX To Whom It May Concern, This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ). I am disputing the accuracy and validity of the XXXX XXXX  Bankruptcy listing currently reported on my Experian credit report under reference number XXXX. 

XXXX, the third-party reporting agency that furnishes bankruptcy information to Experian, XXXX not report any such bankruptcy under my name or Social Security number. Furthermore, XXXX is not an authorized or verified source of consumer data under FCRA and does not constitute proper verification for reporting such a serious derogatory mark. 

As a consumer reporting agency, Experian is legally obligated under 15 U.S.C. 1681i to investigate and verify disputed items using credible and verifiable sources. The continued reporting of a bankruptcy that is not supported by XXXX or any verifiable legal documentation constitutes negligence and a failure to maintain maximum possible accuracy as required by law. 

I am demanding immediate action : Delete the bankruptcy listing from my credit report due to failure to verify its accuracy and validity through proper channels. 

Provide a detailed method of verification, including the name and contact information of the party that verified the bankruptcy. 

Send me written confirmation of the deletion within the 30-day investigation period. 

Should this matter not be resolved promptly, I am prepared to escalate this dispute with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies for damages resulting from Experians noncompliance with federal law. 

I expect a response within the legally mandated time frame. 

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 2025-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have been making payments on my student loan but they have been fraudulently reporting it late or unpaid. I am currently on auto pay and my bank can verify they have been takjng out funds from my account as agreed every month. I also realized they ooened a duplicate account of the original account and i requested them to fix it and nothing has been done. On the duplicate account it states i am past due more than 100 days which is false. I contacted the company and they stated they would fix it but they haven't. I requested a call from the manager / supervisor and I havent received any call back. I have multiple records of payments if requested i can immedietely produce but they have been damaging my credit since XXXX of XXXX  currently it shows no overdue amount and due to the numerous overpayments my payment has gone down from XXXX each month to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

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 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 2025-04-18 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: UT

Complaint narrative:
Please do not leave my employer on my credit. It opens me up for problems when you get hacked again. I want it removed immediately from my report. I never like this information being revealed unless I choose to disclose it. See 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