vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report that is being reported by ( XXXX  ) XXXX XXXX XXXX XXXXXXXX . This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed suddenly by the Creditor and has been reported 90 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed. 

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and TransUnion ). I request confirmation of this correction in writing. Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -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 2025-02-13 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: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-13 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, as reported by [ creditors name ]. This inaccurate information has negatively impacted my credit standing and violates the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681o, consumer reporting agencies and furnishers of credit information are liable for negligently failing to comply with FCRA requirements.

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 2025-02-13 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, as reported by [ creditors name ]. This inaccurate information has negatively impacted my credit standing and violates the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681o, consumer reporting agencies and furnishers of credit information are liable for negligently failing to comply with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 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: NY

Complaint narrative:
Dear CFPB, I am writing to request the late payment stated on my credit report. I was never late in DEPT OF EDXXXX. Experian reported late payment while in TransUnion and Equifax it's positive account and no late payment remark. Also XXXX XXXX I was never late on this account. Lastly this is not mine account XXXX XXXX. Please investigate and delete to my account.

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 2025-02-13 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: NY

Complaint narrative:
Dear CFPB, I am writing to request the late payment stated on my credit report. I was never late in DEPT OF EDXXXX. Experian reported late payment while in TransUnion and Equifax it's positive account and no late payment remark. Also XXXX XXXX I was never late on this account. Lastly this is not mine account XXXX XXXX. Please investigate and delete to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MS

Complaint narrative:
I have multiple old and inaccurate accounts on my credit report. That's keeping me from moving forward from obtaining credit. I have disputed an asked for writing verification and have not received it on none of the inaccurate accounts and all accounts and bad standings i am demanding for these counts to be removed.

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 2025-02-13 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: MS

Complaint narrative:
I have multiple old and inaccurate accounts on my credit report. That's keeping me from moving forward from obtaining credit. I have disputed an asked for writing verification and have not received it on none of the inaccurate accounts and all accounts and bad standings i am demanding for these counts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank closed my account abruptly falsely accusing me I owe a balance of {$200.00} when the PNC bank mailed me a check on XX/XX/2024 in the amount of {$200.00} to my residence which I have never cashed the check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AR

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) requesting that TransUnion, Experian and Equifax the credit reporting agency, block fraudulent and inaccurate information from the consumers credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). The consumer XXXX XXXX XXXX claims that several fraudulent accounts and hard inquiries have appeared on their credit report, including : A personal credit card opened at XXXXXXXX XXXX 
Several XXXX accounts opened from XXXX. 
A personal loan opened at XXXX XXXX XXXX. 
A collection of accounts opened from XXXX. 
The complaint includes supporting documents : A list of the fraudulent hard inquiries. 
A copy of the consumers FICO credit report showing the fraudulent accounts and inquiries. 
Proof from the Federal Trade Commission ( FTC ) in the form of an Identity Theft Criminal Complaint ( XXXX, XXXX, XXXX ) confirming the fraud and identity theft. 
The consumer is requesting that TransUnion, Experian, and Equifax block this inaccurate information within 4 business days of receiving the complaint.

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 2025-02-13 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: AR

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) requesting that TransUnion, Experian and Equifax the credit reporting agency, block fraudulent and inaccurate information from the consumers credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). The consumer XXXX XXXX XXXX claims that several fraudulent accounts and hard inquiries have appeared on their credit report, including : A personal credit card opened at XXXXXXXX XXXX 
Several XXXX accounts opened from XXXX. 
A personal loan opened at XXXX XXXX XXXX. 
A collection of accounts opened from XXXX. 
The complaint includes supporting documents : A list of the fraudulent hard inquiries. 
A copy of the consumers FICO credit report showing the fraudulent accounts and inquiries. 
Proof from the Federal Trade Commission ( FTC ) in the form of an Identity Theft Criminal Complaint ( XXXX, XXXX, XXXX ) confirming the fraud and identity theft. 
The consumer is requesting that TransUnion, Experian, and Equifax block this inaccurate information within 4 business days of receiving the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC XX/XX/year> i contacted them nobody could help me get this removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Credit Score impacted due to incorrect reporting by XXXX XXXX XXXX  New Jersey regarding XXXX XXXX XXXX XXXX # XXXX ). Loss of XXXX points due to incorrect reporting to credit bureaus : Transunion, XXXX, XXXX. 

The XXXX XXXX XXXX  New Jersey offers any customer that have an loan in good standing an opportunity to skip their monthly payment. In XX/XX/XXXX, I contacted the XXXX XXXX XXXX  New Jersey to request a skip a payment option for the month of XX/XX/XXXX. This skip payment would be for 2 loans that I currently have with the XXXX XXXX XXXX New Jersey. One is an auto loan that was around {$18000.00} and the other was a personal loan around {$12000.00}. My bi-weekly payment for both loans is around {$170.00} ( i.e. monthly total approx. {$340.00} ). 

I was unaware the XXXX XXXXXXXX XXXX New Jersey would report the skip a payment option to the credit bureaus : Transunion, XXXX, XXXX. The incorrect reporting by the XXXX XXXX XXXX  New Jersey made it appear my loan balances for the auto & personal loan increased due to a non-payment on my behalf. On XX/XX/XXXX, I received a credit score alert indicating my credit score decreased by XXXX points due to the incorrect reporting by the XXXX XXXX XXXX New Jersey regarding my loans ( see attached exhibits A, B, C ). 

I immediately contacted the XXXX XXXX XXXX  New Jersey XXXX XXXX is close In XX/XX/XXXX. A customer rep, XXXX XXXX, assisted me. She stated she would consult with her supervisor. On XX/XX/XXXX, XXXX XXXX gave me a letter from the XXXX XXXX XXXX New Jersey to submit to Transunion, XXXX XXXX. This letter indicates my account is in good standing. ( see attached exhibit D ). However, the XXXX points I lost because of the incorrect information submitted to Transunion, XXXX, XXXX hasnt been restored back to my credit score.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I am requesting the XXXX points I lost be restored to my credit scores and any negative comments based on the incorrect information be deleted from my credit 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I have a mortgage with Mr Cooper since XXXX. I have always paid on time. I had tornado damage XX/XX/XXXX and sent them my endorsed insurance claim check. The work on repairing my home was not completed until XX/XX/XXXX. Mr Cooper is still retaining over {$23000.00} of my insurance claim money and refuses to release it to me. I had to borrow {$32000.00} from my parents to completely pay the {$67000.00} it cost to repair my roof attic and carport. I have telephoned them repeatedly, done a home inspection which they charged me I believe {$35.00} for, faxed and mailed them all receipts with list of repairs done and they still say they need another inspection done at further cost to me, when no further work has been done since last inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-02-13 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:
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