vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
ALLY FINANCIAL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-06 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX tickets for XXXX XXXX using PayPal XXXX XXXX XXXX XXXX. They charged my account in full. Now Im unable to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SecureNet Loan Services LLC
State: TX

Complaint narrative:
H- 24 ( B ) Mortgage Transaction Estimate, fix-rate loan on land, land transaction statement, investment property

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXX XXXX XXXX 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 2025-05-06 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: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
b"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 \nI received a copy of my credit report from XXXX, and there are some payments I DO NOT GIVE PERMISSION TO PUBLISH\n\nPlease make the changes & send me an updated report showing they have been removed \n\n1. XXXX XXXX XXXX XXXX Number Account XXXX Opened XXXX XXXX XXXX1 \nPaid in settlement. XXXX Closed\n\n2. American Express Account Number: XXXX Late payment XXXX XXXX\nthis was not my card and was a secret card that my ex husband took out and never told me about. I filed for divorce in XXXX  due to his financial dishonesty and also due to abuse and it is defamation of character having this tied to me and I should not have this inaccurate information remain on my credit report.\n\n3. Late payment for XXXX  XXXX XXXX XXXX XXXX I called XXXX  many times to have this removed and explain to them that their system was not allowing payments in full and though I tried repeatedly to pay this in full and to dispute this late charge reported I cannot get through on their customer service credit line.  This late payment is a XXXX  error, as their system would not allow the payment I desired to process and needs to be removed immediately and is costly as it raises potential interest rates for me.\n\n4. XXXX XXXX XXXX XXXX XXXX late payment.  This again was an error of my ex husband during our divorce who called the company, tampered with the mailing address and this late payment needs to be removed from my credit report. \n\nAccording to the Fair Credit Reporting Act, a consumer's credit information is only shared when they have given their express written consent.It protects consumers from unauthorized access to their credit reports.\n\nI DO NOT GIVE WRITTEN INSTRUCTIONS for THESE LATE PAYMENTS TO BE PUBLISHED ON MY CREDIT REPORT\n\nAnd according to 15 USC 1681s-2 they are suppose to 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.\n\nAgain, I do not give permission for this information to be published and it needs to be removed from my report."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX XXXX  or Creditor you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

You have 10 days to send me all the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
Contacted company after filing Identity theft report regarding debts that do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have refused to rectify this XXXX in direct violation of the FCRA.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
2 months ago at Chase bank I introduced a check of XXXX in the name of a friend to my account through my phone online, he signed it but I forgot to sign it, the bank held the check. I called and they told me that they have to verify the identity of the person, I went personally to the bank with the person who is on the check and they did not allow me to identify himself. They said that it was only possible in public records with his phone number. The problem is that this person does not have a contract with any telephone company and has no way to make a contract so I really do not know what to do the bank does not want to give me more options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payments reported on my credit report, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the FCRA XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit cardXXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment. If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law. Please provide documentation verifying the accuracy of the late payment, including but not limited to : 1. Proof of the payment due date and the date payment was received. 2. An explanation of how the payment was deemed late, in light of the statutory requirements. 3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b. Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payments reported on my credit report, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the FCRA XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit cardXXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment. If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law. Please provide documentation verifying the accuracy of the late payment, including but not limited to : 1. Proof of the payment due date and the date payment was received. 2. An explanation of how the payment was deemed late, in light of the statutory requirements. 3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b. Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2025-05-06 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-06 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: GA

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 List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX 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 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 explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$1400.00}

Company response to consumer: Closed with explanation