vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows XXXX late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( TransUnion, XXXX, and XXXX ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : TransUnion and XXXX report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information. 
Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies. 
Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
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 non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Starting on XX/XX/year> I sent numerous letters and called each credit bureau to remove all the hard inquiries, auto loans, repossessions, collections and student loans from my account because I did not apply for any new credit and was a victim of a credit breach that leaked my social security number to the dark web. Experian, XXXX or XXXX did not properly investigate these items and kept them on my credit illegally. I have sent numerous letters and have contacted each credit bureau and they have been unwilling to help. I have even called the creditors and they verified that they did not report those items and informed me to call each bureau to get it corrected. 

These bureaus have illegally placed negative items on my credit report and have sense hindered me from having a high score and purchasing a new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they have failed to update and change this information after I submitted documentation. 

Incorrect addresses : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX. XXXX XXXX XXXX XXXX tx XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ok XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ok XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Incorrect DOB : XXXX. XX/XX/year> Correct DOB : 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 2025-01-24 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: GA

Complaint narrative:
I tried calling Experian to remove all these unauthorized inquires off my report and they told me they can't do that and hung up the phone on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal credit union gave credit while they were doing and investigation on a claim/dispute that I had put in, I never got any information until i followed up with them and the told me the charge was denied and I would have to pay the money back on the XXXX of XXXX. So I paid them off because I knew I had some ACH coming out of bank account because it around XXXX time and my car payment is automatic withdrawal. I lost my job last year due to a merger and money is very tight and I am struggling g to keep my car because I am 2 months behind. the XXXX came and when global financial tried to deduct the, money from my account it did not go through. NFCU to the amount that I paid and they told me that they were doing to cancel the reversal. This started a spinn of downward affects. My car is gone and the XXXX present that I was suppose to get they did not get on XXXX day. of course I argued with them and they charged me an overdraft fee for everything that tried to get money from my account. This company just charged me {$29.00} overfdratft free fpr a {$4.00} items. Im so sick of this company and their fees. I thought having a credit Union and building a relationship with the bank would help me but they are charging just as money i am putting in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filling this complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings account. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Saving Act.I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
Improperly investigation of inaccurate information reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Accuracy The amounts, other than balance and/or past due, are incorrect. 
There were fraudulent charges made on this account. I have advised all credit bureau that XXXX XXXX a third party company trying to collect a balance that is not my charges. I reach out to XXXX XXXX who agree those charges are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Accuracy The amounts, other than balance and/or past due, are incorrect. 
There were fraudulent charges made on this account. I have advised all credit bureau that XXXX XXXX a third party company trying to collect a balance that is not my charges. I reach out to XXXX XXXX who agree those charges are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
I missed my last month of rent back in 2024, due to my previous owing my 3 paychecks at the time. I went to court they had wrong details and I only owed {$1600.00} in rent, plus court fees. I explained my situation to the judge, which he didn't seem to care or take in consideration. I have never been late or missed any rent while living at those apartments. And that could be verified. The apartment leasing SOLD my account and wrote off the charges on their taxes, which in that case, I am not responsible for any amount once they write it off on their taxes. When I reached out to this collector, the men was very rude, was screaming and giving an unprofessional attitude over the phone, once I asked for the original contract. He threatened to write a negative mark on my credit which he did. And they are claiming that I owe $ XXXX, which I do not. I have proof of what I owe. They are lying, and is a mess to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My husband and I each have American Express cards. 
We were both offered a promotion and we both accepted the promotion. 
The promotion was to each receive a {$50.00} statement credit when and if each of us was to make purchases at XXXX branded hotels of {$250.00} or more. 
My husband received his {$50.00} credit immediately and I have not received anything. 
I participated in an online chat with an American Express agent which took the better part of a half hour but got absolutely nowhere. 

Here is the offer that EACH OF OUR CARDS received : y Expires XX/XX/year> Redeem Now Details Earn a one-time {$50.00} statement credit after using your enrolled eligible Card to spend a minimum of {$250.00} USD in one or more purchases on room rate and room charges at participating XXXX XXXX XXXX in the U.S. and U.S. territories , the XXXX, XXXX and XXXX from XX/XX/year> to XX/XX/year>. See terms. 
View Merchant Website Offer Terms Eligibility and Enrollment Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express Cards are eligible.

Limit of 1 statement credit per eligible Card Member account. If the Card Account is canceled or past due, it may not qualify to receive a statement credit. 
Qualifying Purchases Offer valid only on room rate and room charges at participating XXXX XXXX properties in the XXXX and XXXX territories, the XXXX, XXXX and XXXX. Reservations must be made online at XXXX, via the XXXX XXXX XXXX or by calling XXXX. Excludes The XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX and XXXX. Excludes gift card purchases. Not valid for online retail purchases, hotel amenities, or purchases of XXXX XXXX points. Qualifying purchase means a purchase at a participating XXXX XXXX property made during the offer period with your enrolled American Express Card and which is in an amount totaling at least {$250.00} USD as posted to your account, following conversion from a foreign currency, if applicable, in accordance with your Cardmember Agreement. Offer not valid for lodging stays that are paid for before the promotion start date or after the promotion end date. 
Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit Please allow 90-days after XX/XX/year> for the statement credit ( XXXX ) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase. 
Participation in Amex Offers is subject to Amex Offers Program Terms. 
POID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I have been contacting XXXX and XXXX putting in claims and submitting police reports explaining that the XXXX auto loans dont belong to me I never had them nor insured them, ask them to investigate and remove them under code 15 USC 1681s-2 and also rule 408 B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I have been contacting Equifax and XXXX putting in claims and submitting police reports explaining that the XXXX auto loans dont belong to me I never had them nor insured them, ask them to investigate and remove them under code 15 USC 1681s-2 and also rule 408 B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I have been contacting XXXX and Experian putting in claims and submitting police reports explaining that the XXXX auto loans dont belong to me I never had them nor insured them, ask them to investigate and remove them under code 15 USC 1681s-2 and also rule 408 B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MoneyLion Inc.
State: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes. regarding inaccuracies in my credit report despite my submission. Collection companies, on my credit report have fraudulently submitted inaccuracies to my credit report. I have requested They provide the purchase agreements to show full ownership of all collection accounts. along with all other documents proving all collection accounts belong to me. This practice violates the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

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 2025-01-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 



XXXX XXXX XXXX Balance Dispute : {$1800.00} Opened XX/XX/year>2023 2023

Company response to consumer: Closed with non-monetary relief