vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX, I lawfully submitted a negotiable instrument to Chase Credit Services via certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to settle the balances of my Chase Sapphire accounts. I also included a conditional acceptance with clear instructions and a deadline of 10 business days for your institution to respond in writing with acknowledgment, objections, or refusal to the terms proposed.\nI followed up on XXXX XXXX XXXX  after I received a notice that all Conditional Payments were to be sent to a specific address. I sent a Conditional acceptance to the correct address as well as another negotiable instrument to the correct payment address per the letter I received. I also included a conditional acceptance with clear instructions and a deadline of 10 business days for your institution to respond in writing with acknowledgment, objections, or refusal to the terms proposed. These notices were sent Certified Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a Final Notice and CEASE AND DESIST demand, again outlining a clear 10 business day notice with immediate escalation if not abided by. \nI sent a letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the Chase Bank CFO Jeremy Barnum requesting copies of documents, confirmations of accounts, copies of the Conditional Acceptances and Final Notices with a deadline of 10 business days for him to respond  in writing with acknowledgment, objections, or refusal to the terms proposed. \nDespite my legal efforts, Chase has failed to respond within the contractual time frame, which, under UCC 3-311 and 3-603, constitutes tacit agreement, accord and satisfaction, and discharge of any further obligations on my part. As per these statutes, your failure to reject the offer in the prescribed time has resulted in the discharge of any remaining debt associated with these accounts.\nFurthermore, the lack of response from your institution has caused me significant emotional distress, financial hardship, and economic loss due to your refusal to acknowledge the settlement and continued collection attempts after the debt was considered resolved under the terms set forth in my negotiable instrument.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 USC 1692 c They have violated my rights by in lawful communications, please remove this collection off of my credit report thank you

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 2025-05-21 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
I was notified by my employer back in XXXX of XXXX of a wage garnishment of a judgment that was ordered back in XXXX. I immediately contacted the XXXX party debt collection about the garnishment - and I was told that I could settle out of court and set up payment arrangements for hardship. However, at the end of XX/XX/XXXX, I was contacted back by the XXXX party debt collection agency, a XXXX by the name of " XXXX '' stated that they will be issuing a refund to my employer, because the garnishment had expired ( this is the first violation ). During this time, because of the amount that was garnished I immediately experienced financial hardship that- prompted for my family and I to move more than XXXX times. However, the debt collection agency had my phone number still on file. Now, on XXXX I was notified by my employer of Garnishment withholdings that exceeds the amount of 25 %. Due to XXXX state laws, garnishments are to not exceed more than 10 % of disposable income, this is the second violation. The creditor failed to update the garnishment order with the LEGAL allowed amount of 10 %, and they also failed to notify my employer of such. On XX/XX/XXXX I contacted the creditor to inform them of the over-garnishment. I was then told by the account XXXX " XXXX '' that, they are following the XXXX imposed garnishment order. I also was notified of an total amount of $ XXXX that was currently collecting interest that was still owed, I also asked the debt collector to produce the contractual agreement that imposed this original order that improperly served back in XXXX. I was then told by XXXX, that they are not obligated to produce any documents, because this was already ruled and ordered. 

However, back on XX/XX/XXXX I filed XXXX motions with the XXXX XXXX " XXXX XXXX '' a hearing to reduce this erroneous amount of 25 % which is over the legal limit and also to vacate and dismiss this judgement from XXXX due to statue of limitations of the original contract.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
I woke up today and saw a new collection account on my credit report. I have never authorized or heard of this account. I would like to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed fraudulent information on my credit report. The company failed to properly investigate the accounts. 
Listed is the report numbers, dates I filed and their completion dates : File Date Completion Date File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a report with you on XX/XX/2025 and several dates prior. Report # XXXX. 

This is a Violation of FCRA Failure to Investigate, Remove, and Block Fraudulent Information. 
Equifax has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate, remove, and block fraudulent information that I have disputed on my credit report. 

Despite providing the required documentation and written disputes, Equifax has willfully neglected its obligations under the following federal laws : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Reinvestigate Disputed Information 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681c-2 ( a ) Failure to Block Fraudulent Information Resulting from Identity Theft 15 U.S.C. 1681s-2 ( b ) Duties of Furnishers After Notice of Dispute Equifax has also violated the Fair Credit Reporting Act ( FCRA ) by re-inserting previously removed information on my credit report without proper notification and verification, in direct violation of federal law. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) Reinsertion Without Notice 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) Certification Before Reinsertion 15 U.S.C. 1681e ( b ) Failure to Maintain Accuracy The accounts that are fraudently being reported on my file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were previously removed and resinserted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS 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 {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my Experian credit report and found that myXX/XX/XXXX account is reporting 30 days late in XX/XX/scrub> 2023 and 60 days late in XX/XX/scrub> 2023. 

I dispute this reporting under FCRA 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to report with maximum possible accuracy. I am requesting an investigation and verification of the late payment information being reported.

I have attached a screenshot of the accounts payment history as it appears on my Experian report. If this reporting can not be verified with supporting documentation from the furnisher, I am requesting immediate removal of the late payments and correction of the account to reflect Paid on Time.

Thank you for your time and prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my Experian credit report and found that myXX/XX/XXXX account is reporting 30 days late in XX/XX/scrub> 2023 and 60 days late in XX/XX/scrub> 2023. 

I dispute this reporting under FCRA 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to report with maximum possible accuracy. I am requesting an investigation and verification of the late payment information being reported.

I have attached a screenshot of the accounts payment history as it appears on my Experian report. If this reporting can not be verified with supporting documentation from the furnisher, I am requesting immediate removal of the late payments and correction of the account to reflect Paid on Time.

Thank you for your time and prompt resolution of 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief