vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX EXPERIAN TRANSUNION 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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TX

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 2025-03-06 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.
State: GA

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within XXXX  days or remove the account from my 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 explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-06 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-03-06 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-03-06 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX - I received XXXX separate charges ( {$100.00}, {$120.00}, {$120.00} ) to my XXXX Credit Card XXXX Goldman Sachs Bank USA ) within seconds of each other from XXXX XXXX in XXXX CA. It was XXXX pm and because I get notified when my card is used I immediately called XXXX XXXX and told them I was almost XXXX hours away in XXXX CA and I was not authorizing any charges and was not there using my card. I was in possession of my card, did not share my information or card information with anyone, and have never experiences fraud before. The women took my info down and said she'd tell her XXXX. I then immediately disputed the charges in my Apple Card XXXX and started chatting with XXXX to notify then that the XXXX charges were not made by me. XXXX staff immediately paused the charges and said they'd investigate based on the information above. 

XX/XX/XXXX - All three charges were reinsated and charged back onto my XXXX Credit Card. I Immedietly reached back out to XXXX support via chat and phone call. XXXX XXXX the support staff told me I needed " proof '' for them to reopen the claim that the XXXX charges were fraud. I asked what they meant by proof and he said " I don't know, anything. '' I proceed to send them screen shots of my location in XXXX CA while the card was being used at XXXX XXXX in XXXX CA, I also re-sent them screen shots he charges added back onto my card, and screenshot of my call log showing I reached out to Domo XXXX immediately to tell them to stop payment and I was not authorizing charges there. The XXXX staff via chat said they'd re-open the fraud complaint and have someone call me. 

XX/XX/XXXX - I received a call from XXXX XXXX ( XXXX ) XXXX regarding my fraud claim, I missed the first call and called them back immediately. The person I spoke with said that they looked into my claim and that they would be removing the charges from my credit card. I reconfired 3 times that the charges would not be added back to my card and that the fraud filing was accepted. They confiremd and the charges were removed. 

XX/XX/XXXX, XXXX The fraudulent charges were AGAIN added back onto my Apple Card, and I received an email saying that they'd investigated the dispute and the merchants charge will remain on my card. 

I am at a loss of what next steps to take, I am unable on my card App to refile a claim again. I also do not know what more I could have done to immediately report the fraud, alert the XXXX and XXXX. How are consumers protected from fraud via XXXX XXXX if there is no legitimate way to report and remove fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Experian has now allowed XXXX XXXX to ILLEGALLY change the charge-off date on this fraudulent account to XX/XX/year>. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as it constitutes illegal re-aging of debt. 

Re-aging a charge-off to make a debt appear newer than it actually is extends its reporting period beyond the legal XXXX limit. This fraudulent update has caused additional harm to my credit, and Experian has failed to take corrective action. 

quifax is reporting an auto loan from XXXX XXXX that I have never opened. I have never done business with this company, nor have I ever made any payments to them. Despite disputing this account multiple times, XXXX continues to " verify '' it without providing any supporting documentation to prove its legitimacy. 

XXXX Violated My Rights Under the FCRA : Failure to Provide Method of Verification ( MOV ) : I recently spoke to an XXXX representative and requested the method of verification ( MOV ) used to confirm this fraudulent account. 
The agent refused to provide this information, which violates FCRA 611 ( a ) ( 7 ), as I have a legal right to this documentation. 
Failure to Conduct a Proper Investigation : Experian continues to report this fraudulent account despite never providing proof that I authorized it. 
I have requested documentation multiple times, including a signed contract or account statements, and Experian has failed to provide any evidence. 
Harming My Credit with False Payment History : Experian is manipulating the payment history of this account, causing my credit score to drop.

This is inaccurate and damaging, violating the FCRAs accuracy and fairness requirements under 1681i ( a ) ( 1 ) ( A ). 

This is also another Shameful Investigation.

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 2025-03-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Experian has now allowed XXXX XXXX to ILLEGALLY change the charge-off date on this fraudulent account to XX/XX/year>. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as it constitutes illegal re-aging of debt. 

Re-aging a charge-off to make a debt appear newer than it actually is extends its reporting period beyond the legal XXXX limit. This fraudulent update has caused additional harm to my credit, and Experian has failed to take corrective action. 

quifax is reporting an auto loan from XXXX XXXX that I have never opened. I have never done business with this company, nor have I ever made any payments to them. Despite disputing this account multiple times, XXXX continues to " verify '' it without providing any supporting documentation to prove its legitimacy. 

XXXX Violated My Rights Under the FCRA : Failure to Provide Method of Verification ( MOV ) : I recently spoke to an XXXX representative and requested the method of verification ( MOV ) used to confirm this fraudulent account. 
The agent refused to provide this information, which violates FCRA 611 ( a ) ( 7 ), as I have a legal right to this documentation. 
Failure to Conduct a Proper Investigation : Experian continues to report this fraudulent account despite never providing proof that I authorized it. 
I have requested documentation multiple times, including a signed contract or account statements, and Experian has failed to provide any evidence. 
Harming My Credit with False Payment History : Experian is manipulating the payment history of this account, causing my credit score to drop.

This is inaccurate and damaging, violating the FCRAs accuracy and fairness requirements under 1681i ( a ) ( 1 ) ( A ). 

This is also another Shameful Investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX requesting that MIDLAND CREDIT MANAGEMENT out of XXXX XXXX BIG XXXX XXXX XXXX XXXX XXXX, MI XXXX to remove XXXX accounts in the amount of {$4000.00} account ending in # XXXX & {$6900.00} account ending in # XXXX that are showing up on my credit report. 
that does NOT belong to me. I am NOT liable for this debt with midland credit management. I do NOT have any contract with midland credit management. Ive never conducted any business or ever been associated with them, and they inaccurately reported this to the credit bureaus. by not removing this from my credit report they are actively refusing to comply with The Fair Debt Collection Practices Act, The law requires companies to delete disputed unverified information from consumer reports. they have also threatened to pursue legal actions against me when I spoke to them questioning them about this debt over the phone which was recorded!. in the call you can hear them threaten to sue me. 

Both of these account must be REMOVED in full from all XXXX of the credit bureaus or I will not hesitate in bringing legal action against midland credit management for the Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation