vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
My fha mortgage loan is marked as late on XX/XX/2024 when loan was already closed. Closing date was in XXXX. This was already fixed in other credit reports like XXXX and XXXX. XXXX was due, me and my husband who is XXXX XXXX signed the closing on XXXX. Since the pay off letter was submitted I asked XXXX XXXX financial institution if I was going to be penalized they said No, 1st because my house was disaster zone, hurricane just hit in XXXX, and XXXX because that month was already included on the pay off letter and that was going to cause more delays on the closing. Plus they already switched the payment history in some crefit bureau so there is also a discrepancy. XXXX and XXXX are showing paid, never late. So how is this right.

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 2025-07-11 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:
I am writing to request your help in investigating these accounts, which are inaccurately reflected on my credit report. As outlined in USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all relevant documentation for your review. It is also important to note that the reported information varies and is inaccurate across different credit bureaus.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am writing in response to a collection reported on my credit report, unknown claim, regarding an alleged debt with the account number [ insert account number or reference number, if provided ]. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am disputing the validity of this debt and requesting that you provide verification of the debt.

Please provide the following information to validate the debt : The amount of the alleged debt.

The name and address of the original creditor.

Documentation verifying that I owe this debt, such as a copy of the original contract or agreement.

A copy of the last billing statement from the original creditor.

Verification that the debt is within the statute of limitations.

Proof that your agency is licensed to collect debts in Florida.

Until this debt is properly validated, all collection activities and communications must cease, as required by FDCPA Section 809 ( b ). This request is not an acknowledgment of the debt but an exercise of my rights to dispute the debt until it is properly validated.This needs to be removed from my report within 14 days as this is affectng my moortgage process, and I expect your response within the legally mandated timefame.

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : [ Todays Date ] ChexSystems , Inc. 
Attn : Consumer Relations XXXX. XXXX XXXX XXXX, MN XXXX Re : Reinvestigation Request Follow-Up Consumer ID : XXXX To Whom It May Concern, I am writing in response to the recent reinvestigation update dated XX/XX/year>, regarding the XXXX XXXX XXXX XXXX XXXX XXXX my ChexSystems file XXXX I continue to dispute the validity and accuracy of this account, which I believe resulted from identity theft. 

As noted in my original dispute, I did not authorize or initiate the account with XXXX XXXX XXXX XXXX. The reported overdraft and charge-off amount of {$1000.00} does not reflect any transaction or activity I was involved in. I have filed an identity theft report with the FTC, and I am requesting that this account be permanently removed from my ChexSystems file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

Please find enclosed : - A copy of my FTC Identity Theft Report - A copy of my government-issued photo ID - Proof of address ( utility bill/bank statement ) I formally request a reinvestigation and removal of this item from my report, and a copy of the revised consumer disclosure reflecting the deletion. If ChexSystems refuses to remove the item, please provide a written explanation, including the method and documentation used to verify the disputed information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  [ Phone Number ] [ Email Address ]

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 2025-07-10 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: CL Holdings LLC
State: FL

Complaint narrative:
I sent Jefferson Capital Systems written requests for full debt validation regarding two collection accounts they are reporting on my credit file one for {$2500.00} allegedly from XXXX, and another for {$550.00} allegedly from XXXX. 

In both cases, they failed to provide any legal validation or documentation proving their right to collect these debts. They did not provide a signed contract, a Bill of Sale or assignment agreement, a breakdown of the amounts owed, or a final account statement from the original creditors. 

Despite this, XXXX XXXX continues to report these accounts, which is negatively impacting my credit profile. This is a clear violation of the FDCPA ( 15 U.S.C. 1692g ) and the FCRA, as no proper debt validation has been provided.

I am requesting that both accounts be immediately removed from my credit reports unless XXXX XXXX can provide full legal validation as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX was unable to provide legal proof to credit bureaus validating account with legal time limit XXXX. 
Furthermore, they are stating no current dispute is in progress with them or any credit bureaus in regard to account. Account services has no ability to view this data and they are the only department available to speak with a consumer disputing this matter. 

I was advised ( per account services supervisor I would have to speak directly with credit bureaus to get any updates or inaccurate information resolved. From the stance of XXXX it is not a matter that they handle in house. However, I was able to speak with someone regarding this matter back in XXXX but was unable to get information requested. The documents requested was not received until XX/XX/year>. This is well outside the dispute resolution timeline that began in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am disputing a closed XXXX account ( opened XX/XX/year> ) reported as Paid in settlement. {$940.00} written off. This phrasing is misleading and harmful. The account was resolved, and there is no balance due.

I request verification of this write-off amount and settlement status. If it can not be validated, I request that the item be removed or corrected to Settled - {$0.00} Balance under FCRA 611.

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 2025-07-11 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: FL

Complaint narrative:
I am disputing a closed XXXX account ( opened XX/XX/year> ) reported as Paid in settlement. {$940.00} written off. This phrasing is misleading and harmful. The account was resolved, and there is no balance due.

I request verification of this write-off amount and settlement status. If it can not be validated, I request that the item be removed or corrected to Settled - {$0.00} Balance under FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MO

Complaint narrative:
I am submitting this complaint due to Experians reporting of a XXXX XXXX XXXX XXXX ( XXXX ) account that was charged off and transferred. 

While Experian correctly notes that the account was Transferred to another lender and shows a {$0.00} balance, other fields such as " Account Status '' and " Account Rating '' are listed as Indeterminate. This vague labeling fails to communicate the true finality and disposition of the debt, which can mislead future creditors and violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ).

Furthermore, without clarification of the date of first delinquency or a clearly marked closed/transfer status, this reporting creates unnecessary confusion. I request a thorough review and correction or deletion of this incomplete tradeline to reflect fully accurate and non-misleading consumer information.

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 2025-07-11 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: DC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-11 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: DC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT has been calling nonstop. There were unsolicited calls that we not answered due to the nature that Credence was not requested to reach out. Credence additionally sent a text message stating that they are attempting to collect a debt that they recently bought from XXXX XXXX XXXX  the same debt that was not verified by a previous debt collector. They have been told to stop and to verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Urgent Request for Removal of Erroneous Late Payment from Credit Report I am writing to formally dispute a late payment reported on my credit for the month of XX/XX/XXXX. I recently learned that my mortgage payment increased by approximately $ XXXX increase I was never made aware of until this late mark appeared on my credit report. 

While I understand you may have sent notifications by mail, I did not receive anything which means I was never given a fair chance to review changes. When I called Freedom Mortgage their representative told me the city increases my taxes. I received no notice from the city regarding a tax increase, which makes the basis for the payment adjustment unclear. I was also not contacted via phone or email, which I would have expected for something as important as a change that could impact my credit standing.i This incident has significantly affected my credit scorenearly a XXXX dropdespite my perfect payment history and responsible account management. Ive never had a late payment reported before, and I find it unacceptable that this occurred over a {$100.00} discrepancy that could have easily been debited or flagged for resolution. Additionally, I am currently owed approximately {$5300.00} due to an overpayment from last year from Freedom Mortgage, further underscoring my diligence as a borrower. 

Given that the taxes in question are not due until XXXX and they are currently holding my overpaid funds, I feel this situation has been handled unfairly and unethically. I respectfully request that Freedom Mortgage remove this late payment from my credit report as a gesture of good faith and in recognition of the circumstances. The moment I discovered the issue, I paid whatever amount was owed immediately. And the only reason this was brought to my attention was because the credit agencies sent me a motivation, not freedom mortgage. I am happy to provide supporting documentation if necessary and would appreciate prompt 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 2025-07-10 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: CA

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

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

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

Company 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