vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/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 non-monetary relief
Consumer complaint received 2025-03-12 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEMS INC ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX XXXX XXXX Amount - {$2300.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$2300.00} ; Individual Account ; Account XXXX - * XXXX ; XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX ; Amount - {$15000.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$15000.00} ; Account # - * XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Bankruptcy reporting Sent letters To : equifax, Experian and transunion and XXXX XXXX requesting information regarding bankruptcy on my report. They stated they received the information from XXXX XXXX. XXXX XXXX stated they received information from circuit court Received letters from circuit court stating they do not share credit information with XXXX XXXX. Someone is lying and Ive been trying to get to the bottom of this for a year. Also no where on shows my full social so how can these items be correct based on the last 4. Rule 9037 states that you can only use year of birth and last 4 when Ive contacted the credit bureaus theyre stating its tied to my ssn. I asked how if you can only use the last four they had no answer

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Bankruptcy reporting Sent letters To : equifax, Experian and transunion and XXXX XXXX requesting information regarding bankruptcy on my report. They stated they received the information from XXXX XXXX. XXXX XXXX stated they received information from circuit court Received letters from circuit court stating they do not share credit information with XXXX XXXX. Someone is lying and Ive been trying to get to the bottom of this for a year. Also no where on shows my full social so how can these items be correct based on the last 4. Rule 9037 states that you can only use year of birth and last 4 when Ive contacted the credit bureaus theyre stating its tied to my ssn. I asked how if you can only use the last four they had no answer

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 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
Many different insta loan companies changed my interest rate after the loan was completed and will not lower the price only accept smaller payments. One of the loans was {$400.00} and they are now asking for a payback of almost {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Incorrect Charge-Off Balance on Credit Report XXXX XXXX Complaint Description : I am filing a complaint against Experian for reporting incorrect information about my XXXX XXXX credit card account. 
Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off Balance Reported : {$1000.00} ( Incorrect ) Last Payment Date : XX/XX/XXXX Balance Updated Date : XX/XX/XXXX Issue : XXXX sold this debt, meaning they no longer own it and should not be reporting a balance. Instead, the account should be marked as Transferred/Sold with a {$0.00} balance, but Experian continues to show it as a charge-off with a past-due balance, which is inaccurate and unfairly damaging my credit. 

Additionally, the charge-off date and balance update date appear inconsistent and incorrect. If the account was charged off in XX/XX/XXXX, there should not be a balance update recorded as of XX/XX/XXXX. This raises concerns about inaccurate reporting practices. 

I have disputed this with Experian, but they failed to correct it. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate information. I am requesting the CFPB to investigate and require Experian to update my report correctly. 

Resolution Requested : Correct the account status to Transferred/Sold, Balance : {$0.00}. 
Remove the charge-off if it can not be corrected.

Ensure XXXX does not report incorrect balances since they no longer own the debt. 

I am attaching supporting documentation, including my credit report screenshot showing the incorrect charge-off balance and inconsistent reporting dates. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
Subject : Dispute of Fraudulent Accounts and Unauthorized Inquiries Due to Identity Theft Dear TransUnion Dispute Department, I am writing to formally dispute unauthorized and fraudulent activity on my TransUnion credit report. I have been a victim of identity theft, which has resulted in XXXX hard inquiries and fraudulent accounts, including those associated with XXXX XXXX XXXX. These items were not authorized by me, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Items : 1. 64 Unauthorized Hard Inquiries These inquiries were not initiated by me and should be removed immediately to prevent further damage to my credit. 
2. Fraudulent Accounts Linked to XXXX XXXX XXXX XXXX XXXX XXXX has written off these debts on their taxes, yet they remain on my credit report, affecting my financial standing. 
I am not responsible for these accounts and demand their deletion. 
3. Other Fraudulent Accounts Due to Identity Theft Any other accounts that were opened in my name without my knowledge or consent must be removed.

Requested Action : Immediate removal of all fraudulent inquiries and accounts.

Block the fraudulent information from reappearing on my credit report.

Investigate and provide confirmation once the fraudulent items have been removed. 

I have attached a copy of my government-issued ID, a police report/identity theft affidavit ( if available ), and any supporting documentation to verify my claim. 

Under federal law, TransUnion is required to investigate my dispute within 30 days and provide a written response. Please send confirmation of this dispute and notify me once these items have been removed. 

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

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
My student loans were forgiven through XXXX. I have a letter dated XX/XX/XXXX stating my loans are forgiven and a Discharge dated XX/XX/XXXX stating that the forgiveness goes back to XX/XX/XXXX - I actually have a negative balance and they owe me {$9000.00}. In the letter dated XX/XX/XXXX, they state that they have notified or will notify the credit bureaus. That has not happened. 

But all I want from them now is to report to Experian, XXXX and XXXX that my balance is {$0.00}. When I called the representative said within XXXX days and there was nothing that I needed to do. It has already been XXXX days. I have called both XXXX and Dept of Ed after sitting on hold for hours. I have sent several follow up emails to both. I am now not even getting a response acknowledging my email. I want my credit report to be accurate.

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 2025-03-12 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
To note : this mortgage was taken over by me when my mom passed away. The house was sold in XXXX and the loan is now XXXX XXXX of XXXX I received a letter stating I was owed $ XXXX for escrow overage and that I should call to have the check reissued. I called XX/XX/XXXX and was told they would be mailing me the check. Fast forward months later, no check. I called and spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who took my bank info and assured me that it would be in my account by XX/XX/XXXX. No money. I called back on XXXX and spoke to rep # XXXX and was told the request was put in on XXXX and to expect money by XX/XX/XXXX. No one could answer why the request was just put in. I called back on XX/XX/XXXX and spoke to rep # XXXX. I was first told it was being processed then I asked for a supervisor. I was directed to the escalation team and spoke to rep # XXXX. After asking me for my info yet again, I was told they were sending an email to the back office, to submit a case, and to expect a call from them with a resolution. No calls have been made. I have read the many complaints against this company and am worried that they have no plan of issuing the {$1100.00} owed to me.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I opened the account because of a {$350.00} promo. I spoke to someone when opening they said yes I qualify if info XXXX within XXXX  days. I did that, called they said yes I qualify I'll get my {$350.00} on XXXX  date. That date came i went into the branch and they said yes you qualify just give it a few more days. Waited longer, called again was told of we gave you {$100.00} were not giving you anymore. Asked for a manager to review calls was denied. Asked for a manager call back never happen. Called a few weeks later to store got a very very very rude manager. Asked for his boss he refused and said he will call me by XXXX next day. Hung up called call center filed complaint asked for higher manager to call me was told i.would get a call next day. Next day dif not get call from anyone at all. Waited 24 hours called call center was told we don't call people back that info was wrong. This issue is unresolved.

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 2025-03-12 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: NY

Complaint narrative:
Student Loan : On [ XX/XX/2007 ], I received a Form 1099-C from the creditor, indicating that my federal student loan debt was canceled for the amount of [ {$7300.00} ]. According to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and must not include obsolete or incorrect information. However, the canceled debt continues to appear on my credit report as an active or unresolved account, which is inaccurate.

I have already contacted the credit reporting agency ( Experian ) to dispute this information and provided them with a copy of the Form 1099-C as proof of the debt cancellation. Despite this, the credit report has not been updated to reflect that the debt has been canceled. 

I am requesting that the creditor and the credit reporting agency correct this error by updating my credit report to show that the debt has been canceled and is no longer outstanding.

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 2025-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
I disputed a transaction after multiple failed attempts at getting a resolution through XXXX. The shopper bought the wrong item by substituting but did not chat or notify me. So I returned the item back to the store for a refund because the item was incompatible with what my job. I was told that when I returned my item with my receipt that I would get a full refund. I did not get a full refund. I did not receive anything at all. I waited 10 business days like I was told before I disputed it with Cash App. On XXXX XXXX I disputed my transaction with Cash App. I thought everything was fine until they closed my account and said that someone else was disputing a charge on my account when it was in fact me. I tried to verify my identity with them and was not able to. The account is connected to my social security number and was verified previously. I have every document to prove that I am who I say I am. They did not ask me for anything when I appealed my account closure. They denied my dispute and kept my account closed. So now I am out of {$470.00}. My social security checks were coming to this account as well. Im confused because I thought that when you have a problem with a merchant, your supposed to dispute it with your bank after failed attempts. Not my account get closed because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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