vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
Investigation and contact, I paid this, set copies of the returned and cashed bank check where i paid it, then I hired attorney who also sent letters to them and their listed credit/attorney with the proof, and they refuse to answer continue to report negatively and now are reporting as closed and charged off and getting phone calls from another agency. 
I paid this account balance in full on XX/XX/year> and sent the payment certified and they signed for it on XX/XX/year> with a bank check Target had to sign for and they did receive and cashed the check it cleared on XX/XX/year>. They continue to report I did not pay this bill and have added missed payments and {$400.00} fees and have collections and attorney sending me letters and calling me and my credit is being affected. I hired an attorney, XXXX XXXX, who sent letters and contacted the attorney and Target and they refuse to correspond or speak with him and are still reporting negatively and now another collection agency is calling about this account. He has copies of the paid bank draft made to target from myself and my bank, as well as the receipt for the certified letter and payment sent to target.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I purchased my XXXX from XXXX XXXX and got financed through Exeter. My Salesman and the finance manger told me I know it's a high interest rate but if you make XXXX consecutive on time payments you can refinance at a much lower rate and your payments will be reduced so much like XXXX dollars in reduction. Well here i am XXXX  months later with payments on time and exeter telling me they don't refinance and many banks telling me they do Not loan or refinance cars XXXX + Years old so the limit is XXXX. Nobody told me at the dealership that I would have these kind of problems I was lied to, deceived, and now stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
account are in my credit report as closed which is an accurate information is affecting my score. observe I have record of good standing payments and I don't recognized these accounts.It safeguards consumers ' privacy by regulating how their credit information is collected, used, and disclosed. I demand that this must be removed immediately from my reports on all credit report bureau. XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
XXXX XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 607 ( b ) Information must be accurate and complete.

Violation of FCRA 611 ( a ) ( 1 ) ( A ) Right to dispute and reinvestigate inaccuracies. 
This account reflects XXXX instances of XXXX late payments and XXXX of XXXX lates on a XXXX educational loan, which is mathematically impossible and factually inaccurate. 
The account is closed, current, and with a {$0.00} balance, yet continues to reflect highly derogatory late payment history. 
Additionally, it includes the statement " Dispute resolved ; customer disagrees '' without documentation or verification of accuracy. 

XXXX. XXXX XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 623 ( b ) ( 1 ) ( D ) Duty to delete or modify information that is incomplete or inaccurate after notice of dispute.

Violation of FCRA 611 ( a ) ( 5 ) ( A ) Failure to properly reinvestigate or delete unverifiable data. 
This account is in charge-off status and shows inconsistent data : Duplicate entries for the same loan. 
Conflicting last activity/payment dates ( XXXX vs. XXXX ). 
Multiple XXXX instances of XXXX and XXXX late payments, which is excessive and likely inaccurate. 

Also marked as " Consumer disputes reinvestigation in progress, '' which should halt negative reporting until fully resolved ( FCRA 611 ( a ) ( 1 ) ). 

XXXX. XXXX XXXX ( Account # : XXXX ) ** Violation of FCRA 602 ( A ) & 607 ( b ) Ensuring maximum possible accuracy.

Violation of FCRA 611 & 623 ( b ) Inaccurate information must be corrected or removed if it can not be verified. 
This account appears multiple times with slight variations in dates and payment histories, creating a duplicated negative impact. 
Status : Charged off, shows resolved dispute but continues to reflect derogatory marks and multiple inconsistent late payments. 
Inconsistencies : Different last activity and payment dates. 
Different credit limits and high balances. 
Repetitive derogatory 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 2025-04-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am contacting you regarding an incorrect credit card account showing on my credit report. This new credit card, reported with an outstanding balance, does not belong to me. Despite numerous attempts contacting both XXXX and Chase Bank by phone, neither party has been able to locate this account in my records or resolve the issue. Meanwhile, my credit score continues to be negatively affected. 

I respectfully request an immediate investigation and removal of this incorrect information from my credit report. Please provide written confirmation once this has been resolved. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Data Finance, LLC
State: AZ

Complaint narrative:
A few days ago Personify started showing up on XXXX XXXX claiming I had XXXX missed payment. The account was paid off thru XXXX XXXX and XXXX online XX/XX/year>. Why are still reporting to the bureaus that this a live account, when it was paid off XXXX plus years ago by XXXX. All three credit bureaus need to reflect this as paid and closed. No missed should be showing up XXXX years after it was paid and closed. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I am filing this formal complaint regarding a charged-off XXXX XXXX account ( ending in XXXX ) being inaccurately and deceptively reported to all three credit bureaus ( TransUnion, Experian, Equifax ) . The account, charged off with a balance of {$570.00}, continues to show a balance, collection/charge-off status, and inconsistent narratives across all three agencies. 

I assert the following violations : FCRA 607 ( b ) and 623 ( a ) The account is being reported with a past due balance and ongoing delinquencies after the charge-off date, which is not only misleading but designed to cause sustained credit harm. This is incorrect per Metro 2 reporting guidelines and the FCRA.

FCRA 611 The account reflects contradictory comments across bureaus, violating consistency standards. This indicates failure to properly verify or update information using e-Oscar dispute resolution protocols.

IRS Code 6050P If a 1099-C was issued for the cancellation of this debt, XXXX  XXXX is legally barred from further collecting or reporting this account as past due. The presence of both a 1099-C and a charge-off balance violates tax law and is a form of double-dipping. 
No Original Contract Verification XXXX XXXX has failed to provide any validation of this debt including the original signed agreement or an itemized breakdown of how the alleged debt was incurred. 
Credit Reporting Abuse & Consumer Harm The continued negative reporting, despite this being a resolved charge-off, is an abusive practice and in violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau guidelines .

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 2025-04-02 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: PA

Complaint narrative:
I am filing this formal complaint regarding a charged-off XXXX XXXX account ( ending in XXXX ) being inaccurately and deceptively reported to all three credit bureaus ( TransUnion, Experian, Equifax ) . The account, charged off with a balance of {$570.00}, continues to show a balance, collection/charge-off status, and inconsistent narratives across all three agencies. 

I assert the following violations : FCRA 607 ( b ) and 623 ( a ) The account is being reported with a past due balance and ongoing delinquencies after the charge-off date, which is not only misleading but designed to cause sustained credit harm. This is incorrect per Metro 2 reporting guidelines and the FCRA.

FCRA 611 The account reflects contradictory comments across bureaus, violating consistency standards. This indicates failure to properly verify or update information using e-Oscar dispute resolution protocols.

IRS Code 6050P If a 1099-C was issued for the cancellation of this debt, XXXX  XXXX is legally barred from further collecting or reporting this account as past due. The presence of both a 1099-C and a charge-off balance violates tax law and is a form of double-dipping. 
No Original Contract Verification XXXX XXXX has failed to provide any validation of this debt including the original signed agreement or an itemized breakdown of how the alleged debt was incurred. 
Credit Reporting Abuse & Consumer Harm The continued negative reporting, despite this being a resolved charge-off, is an abusive practice and in violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau guidelines .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MO

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to investigate inaccuracies in my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite following the appropriate dispute procedures, Experian has not corrected the information, which continues to adversely affect my credit standing. Details of the Disputed Entries : XXXX. XXXX XXXX XXXX : This account, dated XX/XX/XXXX, continues to report incorrect information as of XX/XX/XXXX. Despite my efforts to resolve this issue, the inaccuracies persist. I want this off my credit report they cant even verify the debt

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 2025-04-02 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:
Upon reviewing my Consumer Reports, I discovered that my XXXX XXXX account reflects several instances of late payments, which I believe to be inaccurate. I have always made timely payments and have ensured that my account remains in good standing.

Consumer Reporting Agencies play a critical role in maintaining the accuracy of consumer information, and it is essential that all data reported is correct. I would like to bring to your attention that I have never missed a payment on the following XXXX XXXX account : XXXX. This account also has a XXXX balance. 

I kindly request a thorough investigation into these discrepancies. Please provide evidence, such as statements or payment history, demonstrating the alleged late payments. If you are unable to furnish such proof, I ask that you promptly update my account to reflect the true status of my payments as on-time, as I have consistently honored my payment obligations without delay. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}

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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: NJ

Complaint narrative:
I am submitting this complaint against XXXX due to serious discrepancies and a lack of transparency regarding my debt settlement account. 

As of XX/XX/XXXXXXXX XXXX my Dedicated Account balance is {$4300.00}. However, Americor sent me a payoff quote claiming I still owe {$4100.00}, despite the fact that I have already paid {$13000.00} in client deposits, and the current Dedicated Account shows {$4300.00} remaining, bringing the total to {$17000.00}. This suggests I may have overpaid by approximately {$4800.00}. 

Furthermore, the Client Portal has not been updated since XX/XX/XXXX, despite the fact that I have received confirmation emails from Americor stating that all creditor settlements are completed. This creates a significant lack of trust and makes it impossible for me to understand the real financial status of my account. 

In addition, I received a file from XXXX XXXX XXXX, but the document is extremely unclear and lacks a breakdown of how my payments have been applied. It does not explain where my money went, how much was paid to each creditor, or what fees were deducted. I deserve a clear and detailed explanation of all transactions. 

I have contacted Americor several times, including sending two emails on XX/XX/XXXX, requesting a full itemized explanation. To date, I have not received a satisfactory response. 

I am requesting the following : A clear explanation of all charges and transactions. 
An adjustment of any incorrect billing. 
A refund of any overpaid funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 repeatedly notified TransUnion of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

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