vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Unauthorized possession or use of " XXXX XXXX XXXX '' and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine. 
Any use of " XXXX XXXX XXXX '' and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX ( {>= $1,000,000} ) dollars of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of 24:1 to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 
Placement of " XXXX XXXX XXXX '' O on any document associated in any manner with My estate or Me, XXXX XXXX XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions d terms so stated and set forth herein.

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 2025-03-17 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: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself. I would need your help to fix my credit. 
Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re- investigate. I look forward to your reply and address my concerns right away! 
XXXX  - XXXX - date opened and last active is inaccurate - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) Delete account off credit report XXXX XXXX - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s-2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. Delete account off credit report XXXXXXXX XXXX XXXXXXXX - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s- 2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. Delete account off credit report Further This is the only personal information that should be available on my credit report, Please correct/remove the Inaccurate personal informaton : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The below is the inaccurate personal information that is showing on my credit report Incorrect DOB - XXXX  - The following information is Outdated, Please Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - Delete personal data due to violation of 15 USC 1681e ( b ) Furthermore, I am requesting you provide me with the names and addresses where you verifiedthis information with so I can follow up as well. 
attached is proof account was deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-03-17 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: TX

Complaint narrative:
RECENTLY I HAVE BEEN DEALING WITH A LOT OF XXXX  DUE TO MY EXPERIENCE OF BEING A VICTIM XXXX XXXX XXXX UNDER 605C. PLEASE SEE ATTACHED DOCUMENTS TO FURTHER SUPPORT MY CLAIM AND HELP ME GET MY LIFE BACK AND REMOVE ALL FRAUDULENT ACTIVITY ON MY CREDIT 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 explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
RECENTLY I HAVE BEEN DEALING WITH A LOT OF XXXX  DUE TO MY EXPERIENCE OF BEING A VICTIM XXXX XXXX XXXX UNDER 605C. PLEASE SEE ATTACHED DOCUMENTS TO FURTHER SUPPORT MY CLAIM AND HELP ME GET MY LIFE BACK AND REMOVE ALL FRAUDULENT ACTIVITY ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I transferred a balance of {$3700.00} from my Upgrade credit card to my XXXX XXXX XXXX XXXX XXXX  because the payment from Upgrade was about {$340.00} a month with a 29.49 % APR. I was charged an additional {$190.00} transaction fee which I feel is excessive considering Ive never missed a payment for the 4-5 years Ive been with the card, except for the when I made the balance transfer recently. I called and had them explain this to me. It was said this is a standard 5 % transfer fee from Upgrade. The reason for the balance transfer is due to trust with Upgrade. Ive been consistent with my payments with them. Upgrade lacks consistency with their costumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect sent two collection letters for two different amounts. I have been sent a bill for {$2500.00} and a bill for {$2400.00}. Both accounts are claimed to be from XXXX XXXX XXXX ; however, only one of these amounts has been verified as accurate. The verified account is # XXXX for {$2500.00}. 

I acknowledge owing XXXX XXXX XXXX XXXX  a total of {$2500.00}, and I have written verification of this debt. XXXX XXXXXXXX XXXX XXXX has not verified any additional collection account as claimed by ProCollect. 

The final discrepancy is that ProCollect is only reporting the incorrect debt amount of {$2400.00} to the credit bureaus. I assume, an attempt to collect the inaccurate amount first, and then, once paid, report the correct figure to the credit bureaus and collect on that verfied amount.

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 2025-03-17 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: PA

Complaint narrative:
I am submitting this complaint regarding Experian 's and Transunion failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian and Transunion has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].

I am requesting the following actions from Experian and Transunion through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately. I am attaching all relevant documents, including dispute letters, Experian 's and Transunion responses, and supporting evidence, to this complaint for your review. Thank you for your assis
tance in addressing this matter and ensuring that Experian and Transunion complies with federal laws to protect consumers like me. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself. I would need your help to fix my credit. 
Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re- investigate. I look forward to your reply and address my concerns right away! 
XXXX XXXX - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s-2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. Delete account off credit report XXXX XXXX  XXXX - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s- 2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. Delete account off credit report Further This is the only personal information that should be available on my credit report, Please correct/remove the Inaccurate personal informaton : Name : XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> The below is the inaccurate personal information that is showing on my credit report Incorrect DOB - XX/XX/year> - The following information is Outdated, Please remove it from my credit Report - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - Delete personal data due to violation of 15 USC 1681e ( b ) Furthermore, I am requesting you provide me with the names and addresses where you verified this information with so I can follow up as well. 
attached is my proof of this account was deleted off my other 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 2025-03-17 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious hard inquiries from my credit report, as outlined in the attached documents.

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 2025-03-18 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:
After reviewing my credit report, I was shocked to find numerous inaccuracies that have been causing me overwhelming stress. As a consumer, I have the right to fair and accurate reporting, yet these errors are damaging my financial stability. Its frustrating to know that these mistakes are standing in the way of opportunities I should rightfully have access to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, XXXX, and XXXX ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX XXXX Account XXXX : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, 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