vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt collector is threatening to damage my credit for a debt I don't owe them. They have stolen my identity fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

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 2025-03-22 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: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for failing to adequately verify an alleged debt in response to my formal dispute under the Fair Debt Collection Practices Act ( FDCPA ).

Despite my request for detailed verification, including an itemized breakdown and original creditor documentation, they have only provided vague or incomplete information that does not meet legal standards. This alleged debt is inaccurate and/or not mine, and the verification provided fails to prove otherwise. Specifically : 1. 
No signed agreement or contract has been provided. 2. The itemized breakdown of charges remains inconsistent or absent. 3. The name and address of the original creditor were not properly disclosed. Additionally, XXXX XXXX XXXX continues to engage in collection efforts despite their inability to produce sufficient verification.

This includes repeated phone calls and text messages. I request the CFPB to investigate this matter immediately and ensure that XXXX XXXX XXXX ceases all unlawful collection activities. Furthermore, I ask for the removal of any negative reporting to the credit bureaus regarding this invalidated debt. I am prepared to escalate this issue further if necessary, including contacting my state Attorney General 's office and pursuing legal action for damages under the FDCPA and Fair Credit Reporting Act ( FCRA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TN

Complaint narrative:
Subject : Rebuttal to CFPB Complaint ID # XXXX XXXX XXXX XXXX XXXX Acct # : XXXX ) To Whom It May Concern, This letter serves as a formal rebuttal to Equifaxs dispute results regarding the XXXX XXXX XXXX account XXXX Acct # : XXXX ), which remains inaccurately reported on my credit file. Equifax claims this item was 'verified ' and is being reported correctly, but a review of the account shows multiple violations of the Fair Credit Reporting Act ( FCRA ). 

Key Reporting Inaccuracies and FCRA Violations : 1. Reporting a Collection as an Open Account This account is a collection, yet it is listed as an Open Account. This misrepresents the nature of the debt. According to FCRA 607 ( b ), Equifax is required to ensure maximum possible accuracy. A collection account should be reported as closed or derogatory, not open.

2. Inaccurate Payment History The account is marked as a collection with a 120-day late status, yet Equifax continues to show OK payment statuses for multiple months. This is materially misleading and creates an inaccurate impression of the payment behavior, violating FCRA 607 ( b ).

3. No Proof of Verification Equifax 's response simply states the item was verified, but no documentation has been provided to validate the alleged debt or correct the reporting. FCRA 611 ( a ) ( 5 ) ( A ) requires that if an item can not be verified, it must be deleted. Equifax has not satisfied this legal requirement. 
4. Inconsistent and Conflicting Data The account contains internally inconsistent data ( e.g., Open status + Collection + OK payments ). This violates the duty to report data in a consistent and non-misleading way per FCRA 623 ( a ) ( 2 ).

5. Pattern of Noncompliance As cited in CFPBs 2023 enforcement action and {$15.00} XXXX fine, Equifax has a documented history of failing to conduct proper dispute investigations. This case exhibits similar conduct in mishandling my dispute and failing to investigate the core inaccuracies.

Requested Resolution : - Immediate and permanent deletion of the XXXX XXXX XXXX account from my Equifax credit report. 
- Written confirmation of deletion. 
- Proof of verification used to confirm this account, including signed documentation or itemized billing. 

Attached Supporting Documentation : - Updated Equifax screenshot showing incorrect reporting. 
- Government-issued ID and proof of address. 
- Previous dispute records and CFPB complaint # XXXX. 

This is a renewed request for full FCRA compliance. If this account is not corrected or deleted, I will escalate this matter to the CFPB, the Tennessee Attorney General, and legal counsel for further enforcement. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : LATE OPEN XXXX XXXX {$1100.00} date Open : XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : LATE OPEN XXXX XXXX {$1100.00} date Open : XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX, AND 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! 

XXXX5 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, AND 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 1002 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 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 2025-03-22 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: TX

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX, AND 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! 

XXXX5 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, AND 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 1002 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 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 2025-03-22 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate and unlawful reporting of an account on my credit report associated with the following : Creditor Name XXXX XXXX  Account Number : XXXX Original Creditor XXXX XXXX Credit Bureaus Reporting : TransUnion, Experian, Equifax Balance : {$0.00} High Credit : Inconsistent across bureaus ( {$430.00}, {$0.00}, {$390.00} ) Date of Last Activity : XX/XX/year> TransUnion ; XX/XX/year> XXXX ; XX/XX/year> Equifax Violations Identified : Inconsistent Reporting ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) ) The account is being reported inconsistently across all three credit bureaus in terms of : Date opened High credit amount Account status and comments Last activity dates This violates the FCRA requirement for maximum possible accuracy.

Duplicate/Improper Reporting ( FCRA 623 ) The original creditor ( FETTIFHT/WEB ) marked the account as " charged off '' and " purchased by another lender, '' yet it continues to be reported with a {$0.00} balance while maintaining a derogatory status. This is misleading and impacts my creditworthiness.

No Current Balance Yet Marked Derogatory ( FCRA 605 ) Since the balance is {$0.00} across all bureaus, the account is no longer legally collectible. Reporting it as derogatory with a {$0.00} balance is misleading and punitive.

Violation of FDCPA Reporting a charged-off, sold account as still active on a consumer credit report misrepresents the legal standing of the debt and constitutes deceptive reporting under the FDCPA.

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 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had inquiries that I didnt authorize on my report. Please remove these inquiries from my credit report INQUIRIEXXXX 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 XXXXXX/XX/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 2025-03-22 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:
I recently reviewed a copy of my credit report and notice I had inquiries that I didnt authorize on my report. Please remove these inquiries from my credit report INQUIRIEXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I attempted to apply for a credit builder account on chime, using the online chat feature and had a representative assist me. Unfortunately i was not successful and asked the reason for not being able to open an account. The representative told me that the KYC failed not once but twice and that apparently the system does not allow for any reenrollment after the second failure. No email or necessary information was given to me so that i can verify my identity in order to open an account, the previous times i tried to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid a promotional balance transfer fee of 3 % to Bank of America ( BoA ) Platium Plus Mastercard - XXXX to pay down my balance. When the balance transfer was made, I was told that Bank of America will begin to apply a higher interest rate however 1 ) it will provide the exact effective date of interest rate change, 2 ) it will send notification either email or postal mail in advance. I was shocked to find out that BoA changed the interest rate to a high 15.24 % and charge {$520.00} on XX/XX/XXXX and {$520.00} on XX/XX/XXXX. When I called BoA, the agent told me OVER THE PHONE that the promotional rate already expired on XX/XX/XXXX, so BoA charged me the total of {$1000.00}. As a BoA customer of 22 years, I feel that BoA 's practice was of intentional negligence and deception because, 1 ) There have never been any info of XX/XX/XXXX expiration on either online account info or the monthly statement, 2 ) there was no mailing or email informing me of the XX/XX/XXXX change, XXXX ) there was no notification of XX/XX/XXXX and XX/XX/XXXX charges. All these 3 things can be easily done by BoA. To the least, BoA should have XX/XX/XXXX date of interest rate change on its online account info and statement, which is what XXXXXXXX XXXX and other banks show on their online info. I'm really upset that BoA intentionally leaves the promotional rate expiration date out, while it can be easily put on its online account info or at least communicate in advance with its customers. Literally there was NO date of XX/XX/XXXX shown on any place. BoA was leaving customers to guess which date was the expiration date and new interest effective date. The agent basically said it's above his pay grade and couldn't remove the interest charge of {$1000.00} even though I immediately paid out all balance. I would like CFPB to ask Bank of America to review its negligence, improve the transparency and communication, and refund the interest charge of {$1000.00}.

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 2025-03-22 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: SLM CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy. 15USC 1681 Section 6o4a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Furthermore, I called Sallie Mae to work with me and catch me up on payments with what I was able to pay. They were suppose to help lower my payments and failed to do so. I was unable to make the payment at the number they set. This was discussed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief