vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Inaccurate Reporting Under FCRA 611 Consumer Info : Name : XXXX XXXX XXXX DOB : XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of the following information being reported on my credit file. After reviewing my most recent credit report, Ive identified inaccurate and derogatory items that do not comply with Metro 2 and CDIA standards for completeness and accuracy.

I am requesting an immediate investigation and deletion of the following accounts based on the Fair Credit Reporting Act 611 and Metro 2 compliance : Creditor Name Account # ( if available ) Issue Description XXXX XXXX XXXX XXXX late reported inaccurately XXXX XXXX Past due status no validation provided XXXX XXXX XXXX Charge-off inaccurate status/code The information provided is not verifiable, accurate, or complete. In accordance with the FCRA and Metro 2 formatting standards, these items must be either updated or permanently deleted if they can not be verified. 

Please send me a response confirming your investigation, including the updated credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Inaccurate Reporting Under FCRA 611 Consumer Info : Name : XXXX XXXX XXXX DOB : XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of the following information being reported on my credit file. After reviewing my most recent credit report, Ive identified inaccurate and derogatory items that do not comply with Metro 2 and CDIA standards for completeness and accuracy.

I am requesting an immediate investigation and deletion of the following accounts based on the Fair Credit Reporting Act 611 and Metro 2 compliance : Creditor Name Account # ( if available ) Issue Description XXXX XXXX XXXX XXXX late reported inaccurately XXXX XXXX Past due status no validation provided XXXX XXXX XXXX Charge-off inaccurate status/code The information provided is not verifiable, accurate, or complete. In accordance with the FCRA and Metro 2 formatting standards, these items must be either updated or permanently deleted if they can not be verified. 

Please send me a response confirming your investigation, including the updated credit file. 

Sincerely, XXXX 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 2025-04-18 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and misleading reporting by XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  on my personal credit report. 

In XX/XX/2025, XXXX XXXX reported my account as XXXX  days past due, which is completely inaccurate. I have carefully reviewed my account statements, and the facts are as follows : My XX/XX/2025 statement reflects no past due balance. 

My XX/XX/2025 statement also shows no past due balance. 

The XX/XX/2025 statement reflects a past due amount, but all balancesincluding any past duewere paid before the due date, and the account was never XXXX  days past due at any point. 

XXXX XXXX has not furnished any statements to substantiate the claim that my account was past due by XXXX days during XXXX, XXXX, or XXXX. 

Additionally, my credit report indicates that the account was closed in XX/XX/2025, but this is inaccurate as well. The account was actually closed by XXXX XXXX on XX/XX/2025 due to suspected suspicious activity, not due to delinquency or consumer action. This discrepancy further demonstrates a pattern of inconsistent and erroneous reporting on my personal credit file. 

I have made repeated efforts to resolve this directly with XXXX XXXX. Each time, I am told to contact the credit bureaus. Conversely, the bureaus tell me that only XXXX XXXX can authorize removal of the inaccurate information. I have even spoken with a representative at Experian, who confirmed that unless a formal complaint is submitted to the CFPB, XXXX XXXX is unlikely to cooperate or correct these discrepancies. 

This situation is causing severe financial harm by negatively impacting my creditworthiness, despite my having fulfilled all payment obligations in a timely manner. 

I respectfully request that the CFPB investigate this matter and require XXXX  XXXX to : Remove the inaccurate XXXX late remark, Correct the account closure date to reflect the actual closure in XX/XX/2025, Ensure my credit report is updated to reflect the accurate history and status of the account. 

Thank you for your time and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Mohela reported my account as 90 days late which in turn caused my credit score to drop over XXXX points ( approx. XXXX  ). However, I had submitted a forbearance while I waited for my payment count to catch up to current and I am not in compliance with the XXXX XXXX meeting my 120 payment requirement. I would like my credit score reinstated to where it was prior to XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group
State: PA

Complaint narrative:
Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. I have never had an account, or written or verbal agreement with FOSTER AND MONROE LLC. They are reporting an inaccurate account in the amount of {$1600.00} and inaccurate information and late payments on my report also this account is closed in my collections which means they have written this debt off on their taxes and have collected on this said debt. I have requested Verification of this debt and verification of the original signed agreement with this company, in XX/XX/year>, and in XXXX XXXX XXXX. They can not provide A original agreement between us or any agreement at all. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections but now listed as closed this is hindering me from buying a house as this inaccurate agency is listed on my report, I did not authorize them to use ANY of my information or report on my credit.I wish for the account to be deleted from my report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian.com login fails to allow access. 
Date of birth and SSN show as mismatched. 
Email address and cell number shows as mismatched. 
Both of these are valid with the other 2 bureaus. 

Called Experian 's XXXX number the web portal provided. The Experian phone robot refused to let me speak with a human and could not resolve the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
In XXXX, this company, XXXXXXXX XXXX XXXX XXXX XXXX Originally reported a contract dispute debt to a collection agency and my credit in the amount of {$5100.00}. This amount was including the {$750.00} from XXXX, a third-party deposit bond company. This was after an attorney found them to be in material non-compliance of the lease terms with multiple verified attempts by me to rectify the issue. XXXX XXXX were sent a cease and desist letter, XXXX of XXXX. 

XXXXXXXX XXXX Then deducted the {$750.00} from the collections and reported an amount of {$4200.00} on my credit report, in order for XXXX to collect for themselves. 

After lodging a complaint with the Attorney General 's office in XX/XX/XXXX, XXXX XXXX reported the contract dispute debt to a second collection agency, changing their name slightly, and adding the original contract dispute amount back to {$5100.00}. Now I have two reports for the same debt on my credit totaling {$9400.00}. They are causing me financial difficulties and are playing tennis with my credit score. This must stop, and both of these balances need to be removed. This is a direct violation of the FCRA by credit report double jeopardy. These companies can not continue to be allowed to play with people 's lives and finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  for multiple willful violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance, and the Fair Debt Collection Practices Act ( FDCPA ). This account is being reported inaccurately to TransUnion and Equifax. 
Specifically : The Date of Last Activity and Date of Last Payment are reported inconsistently between TransUnion ( XX/XX/XXXX and XX/XX/XXXX ) and Equifax ( XX/XX/XXXX for both ), which is a violation of FCRA 607 ( b ) requiring the maintenance of accurate records. 
Equifax is reporting a {$0.00} credit limit, which is false for a revolving credit account. This artificially inflates my credit utilization and violates the accuracy standards under FCRA XXXX. 
The payment history on Equifax displays " XXXX  '' and " XXXX '' simultaneously for over 24 months while listing the account as charged-off. This is false, misleading, and not Metro 2 compliant.

The account is marked as charged off but shows a $ 0 monthly payment, which misrepresents the original terms and violates Metro 2 formatting standards. 
The Date of First Delinquency ( DOFD ) is missing or inconsistent, making it impossible to verify if the account is being reported within the legal 7-year window. This is a critical violation of FCRA 605 ( c ). 
The account was previously disputed, but XXXX XXXX has failed to conduct a proper reinvestigation under FCRA 611 ( a ). They continue to furnish inconsistent, inaccurate, and unverifiable data without validating the information under 15 USC 1692g ( b ).

Given these legal discrepancies, I am demanding the immediate and permanent deletion of this account from my TransUnion and Equifax credit reports. These errors are materially damaging and constitute willful noncompliance. 
If this account is not deleted, I am prepared to pursue this further through litigation and complaints to the FTC and State Attorney General. I Have a paper trail of complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Greenberg, Grant & Richards Inc.
State: CT

Complaint narrative:
I keep getting calls from XXXX XXXX from XXXX ( XXXX ) XXXX at Greenberg Grant and Richards collection agency and alleged law firm. He called me multiple times harassing me personally for a debt I do not owe. I received a phone call on XX/XX/year>, XX/XX/year> and XX/XX/year> from XXXX who does not have a license to collect debts in Connecticut. He is harassing me personally for something I am not liable for. What actions can I take to get recourse for this harassment and intimidation?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
Subject : Unauthorized and Identity Theft-Related Credit Inquiries by XXXX XXXX XXXX  I am writing to address a serious issue concerning multiple unauthorized credit inquiries on my credit report, including incidents identified as identity theft and inquiries initiated by XXXX XXXX XXXX without my consent. 

On XX/XX/XXXX, I visited XXXX XXXX  XXXX  to inquire about their products and was assured that only a soft credit pull would be conducted for pre-qualification purposes. Upon reviewing my credit report, I noticed several hard inquiries made by the dealership, which were done without my explicit consent. 

In addition to these unauthorized inquiries, I discovered other inquiries on my report I did not authorize, which appear to be the result of identity theft. 

I have reported this situation to the Federal Trade Commission ( FTC ) and was advised to follow up with the Consumer Financial Protection Bureau ( CFPB ) and the relevant credit bureaus. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), " a person shall not furnish any information about a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' The dealership 's actions, along with the erroneous entries likely due to identity theft, violate this provision. 
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  I hereby request the immediate removal of all unauthorized and fraudulent inquiries from my credit report to ensure fairness and uphold my rights as a consumer. 

Please initiate a swift investigation into these inaccurate inquiries and confirm the removal of the unauthorized entries. I also request a complimentary updated version of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. Should you require any further information to expedite this process, feel free to contact me at the details provided above. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am urgently filing this complaint regarding the false reporting of multiple late payments by Transunion. These entries are entirely inaccurateeach of the listed payments was made on time. Despite this, they remain on my credit report and continue to damage my credit score. This misinformation must be corrected immediately, as it is unjustly affecting my financial standing and credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
Its very concerning to find your company listed multiple times for inquiries on my credit report. I never gave consent for that, and I havent made any requests or applications that would justify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
ubject : Complaint Against Bridgecrest Financial Refusal to Help After Natural Disaster I'm filing this complaint against Bridgecrest Financial Services due to their complete lack of assistance and compassion during a time of extreme hardship.

After Hurricane Helene, an officially declared federal disaster, my vehicle was totaled by floodwaters. From late XXXX through XX/XX/XXXX, we had no power, no internet, no cell service, and no drivable roads in or out of our area. Like many, I was forced to shift into survival mode. I fell behind on three auto loan payments ( XXXX through XXXX ), not out of negligence, but because life as we knew it had been upended. I also had to secure another vehicle just to keep working and providing for my family. 

My insurance didnt come close to covering the full balance, leaving me with a {$4500.00} deficit on a car I no longer even own. Still, in XX/XX/XXXX, I brought the account current and have kept up with all payments since. 

I called Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, explaining my situation and asking for any kind of hardship relief or deferment. All three times I was told flat-out No, even by a supervisor. Their exact words were that they dont offer hardship programs under any circumstances. Not even for national disasters. 

I later sent a formal goodwill email letter, simply asking for the late payments to be removed from my credit report as a gesture of understanding. Again, they refused. I even filed disputes through the credit bureaus using the national disaster designation, and Bridgecrest rejected those too. 

I had never missed a payment before the hurricane. Now, not only am I paying for a car I dont own, but my credit has taken a massive hit, adding insult to injury after losing nearly everything.

Company response to consumer: Closed with explanation