vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

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 2025-03-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


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


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Sent Debt Validation Letter : I am writing in response to your recent communication regarding the above-referenced debt. I am requesting that you provide written verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : XXXX. The name and contact information of the original creditor. 
XXXX. A detailed statement of the debt amount, including any fees or interest. 
XXXX. Documentation proving that you have the legal right to collect this debt. 

Until I receive this information, I request that you cease all communication regarding this matter. 

Please provide the requested documentation within XXXX  days. I will await your response before taking any further action. This was sent over XXXX  days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-17 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: FL

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-17 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: OH

Complaint narrative:
XXXX XXXX  issued me a XXXX back in XXXX, and they are still reporting that I owe the full balance on the account. The account should show a ( XXXX ) balance. I want them to either remove this or show a ( XXXX ) balance. Thank 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 non-monetary relief
Consumer complaint received 2025-03-17 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: OH

Complaint narrative:
XXXX XXXX  issued me a XXXX back in XXXX, and they are still reporting that I owe the full balance on the account. The account should show a ( XXXX ) balance. I want them to either remove this or show a ( XXXX ) balance. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: VA

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 2025-03-17 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: VA

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 2025-03-17 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: NY

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 2025-03-17 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: NY

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NV

Complaint narrative:
I've submitted all documents requested many different times from the credit reporting agencies and when I request proof or balance ledgers from creditors to prove that they're reporting wrong information, they don't send it or label it me as a credit repair company and which undermines and disregards the facts that I have provided. 

Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) that Experian, XXXX, and XXXX credit reporting agency , block information appearing on my credit report that is the result of inaccurate, false, and fraudulent information which consists of personal credit card accounts XXXX  XXXX  Card, Account XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX  Account XXXX opened XX/XX/XXXX, and XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX This Also includes an Auto Lease from XXXX XXXX XXXX Account XXXX opened XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, and XXXX XXXX XXXX  NV XXXX XXXX. These accounts have resulted in several fraudulent inquries and inaccurate information on my credit report which continues to have banks deny me credit, housing, and good paying jobs. I've attached the credit report along with my FTC report, a complaint to the General State Attorney. I do not recognize the aforementioned fraudulent accounts/inquiries appearing on my credit report maintained by you were not opened, made or initiated by me. Again all of the fraud I have attached a copt of my FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US FTC Federal Trade Commission that all of the aforementioned consumer accounts/items and hard inquiries are the result of identity theft, fraud, and negligence of the reporting agencies data breaches from Experian, Equifax, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've submitted all documents requested many different times from the credit reporting agencies and when I request proof or balance ledgers from creditors to prove that they're reporting wrong information, they don't send it or label it me as a credit repair company and which undermines and disregards the facts that I have provided. 

Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) that Experian, XXXX, and XXXX credit reporting agency , block information appearing on my credit report that is the result of inaccurate, false, and fraudulent information which consists of personal credit card accounts XXXX  XXXX  Card, Account XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX  Account XXXX opened XX/XX/XXXX, and XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX This Also includes an Auto Lease from XXXX XXXX XXXX Account XXXX opened XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, and XXXX XXXX XXXX  NV XXXX XXXX. These accounts have resulted in several fraudulent inquries and inaccurate information on my credit report which continues to have banks deny me credit, housing, and good paying jobs. I've attached the credit report along with my FTC report, a complaint to the General State Attorney. I do not recognize the aforementioned fraudulent accounts/inquiries appearing on my credit report maintained by you were not opened, made or initiated by me. Again all of the fraud I have attached a copt of my FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US FTC Federal Trade Commission that all of the aforementioned consumer accounts/items and hard inquiries are the result of identity theft, fraud, and negligence of the reporting agencies data breaches from Experian, Equifax, and Transunion.

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 2025-03-17 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: NY

Complaint narrative:
I am filing my fourth complaint regarding TransUnion LLC and their repeated failure to conduct thorough and reasonable investigations of inaccuracies on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ).

Thave disputed multiple inaccuracies on my credit report across four different rounds of dispute ( three rounds of investigation and one follow-up ). Despite providing sufficient evidence, TransUnion has failed to conduct a reasonable investigation into the following accounts : XXXX. XXXX XXXX The report inaccurately reflects that the last payment was made on XX/XX/XXXX, when in fact, the last payment was made in XX/XX/XXXX, when the account was charged off. This charge-off should not be reported immediately, as it should have been noted as a XXXX late payment. 
XXXX. XXXX  XXXX The account is shown as a credit charged off with a credit limit, which is incorrect, as credit card charged-off accounts should no longer show an active credit limit. 
XXXX. XXXX XXXX The last update on this account was incorrectly reported as XX/XX/XXXX, which is in the future. TransUnion has failed to conduct a reinvestigation on this account despite my requests, causing an unreasonably inaccurate credit report. 
4. Past Due Balance Discrepancy TransUnion reports the past due balance for my XXXX XXXX account as {$5500.00}, while XXXX and XXXX report it as {$5800.00}, causing confusion and inconsistency in my credit report. 
After multiple rounds of disputes, TransUnion has not resolved these issues or provided a valid explanation. Their failure to correct these errors has caused harm to my credit standing. They have not done a proper thorough investigation after multiple times being asked.

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 2025-03-17 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:
I am writing to formally dispute the reporting of late payments and the status of my XXXX XXXX credit account as presented in my credit report. The reporting of late payments and account status is inaccurate and inconsistent with federal regulations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681 Section 602 ( a ), consumers have a right to accurate and fair credit reporting. This principle is violated when transactions not legally permitted to be included in a credit report are reported. 

XXXX  XXXX account number XXXX violates my rights. 

Furthermore, under 15 USC 1681c ( a ) ( 5 ), any information about accounts placed for collection or charged-off should only be reported for a limited period of up to seven years. The disputed account, closed on XX/XX/year>, should not reflect inaccurate late payment data or any unverified charge-offs.

Additionally, as stipulated in 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information to consumer reporting agencies are obligated to ensure the accuracy and integrity of the data reported. This responsibility includes not reporting transactions or information that can not be legally verified or substantiated.

Moreover, under 15 USC 1681 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only for permissible purposes, such as employment, credit, or insurance. Reporting transactional information unrelated to creditworthiness or lacking proper validation is inconsistent with this permissible purpose clause. 

Given these statutory protections, I respectfully request the immediate investigation and removal of the inaccurately reported late payments and status associated with the above-mentioned account. Failure to adhere to these requirements constitutes a direct violation of my rights under the FCRA. 

Please provide me with written confirmation of the investigation results and the corrective actions taken to rectify 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 explanation