vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My account with EXPERIAN 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

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 2025-04-25 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
Subject : Unauthorized Re-Insertion of Previously Deleted Account on Credit Report To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a previously deleted account associated with my credit profile. The account in question was previously removed following a dispute and investigation, yet it has now been reinserted without any prior notice to me, the consumer.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ), if a credit item is deleted from a consumers report and is later reinserted, the furnisher is required to notify the consumer in writing within five business days of the reinsertion. I have received no such notice regarding this action, and I consider this a serious violation of my rights under the FCRA.

Please consider this a formal demand for the following : 1. Immediate removal of the reinserted account 2. A detailed explanation for the reinsertion and why proper notice was not provided.

3. A statement confirming whether this reinsertion was reported to the credit bureaus and, if so, on what basis. 

I am requesting that you investigate and resolve this matter within the 30-day period as required by federal law. I have enclosed a copy of my ID and copy of my social security card to verify my identity Failure to address this appropriately may result in complaints to the Federal Trade Commission ( FTC ), and possible legal action for damages resulting from this improper reinsertion.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
Subject : Unauthorized Re-Insertion of Previously Deleted Account on Credit Report To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a previously deleted account associated with my credit profile. The account in question was previously removed following a dispute and investigation, yet it has now been reinserted without any prior notice to me, the consumer. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ), if a credit item is deleted from a consumers report and is later reinserted, the furnisher is required to notify the consumer in writing within five business days of the reinsertion. I have received no such notice regarding this action, and I consider this a serious violation of my rights under the FCRA.

Please consider this a formal demand for the following : 1. Immediate removal of the reinserted account 2. A detailed explanation for the reinsertion and why proper notice was not provided.

3. A statement confirming whether this reinsertion was reported to the credit bureaus and, if so, on what basis. 

I am requesting that you investigate and resolve this matter within the 30-day period as required by federal law. I have enclosed a copy of my ID and copy of my social security card to verify my identity Failure to address this appropriately may result in complaints to the Federal Trade Commission ( FTC ), and possible legal action for damages resulting from this improper reinsertion.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MRS BPO, LLC
State: FL

Complaint narrative:
XXXX reached out about a payment plan and I responded letting them know what I can pay for a payment plan they sent my loan to collections with MRS BPO , LLC and since then they are harassing me about paying a lump sum and told me that is the only option I have available to me or face legal consequences. No real attempt to work with me or offer payment plans while threatening me daily After XXXX  did the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to the ATM at chase bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX @ XXXX and deposited {$390.00}. I waited and the ATM did not deposit my funds or give me a receipt. I immediately called chase and filed a claim. Chase put the funds back into my account while they investigated. On XX/XX/XXXX they took the funds back out of my account and stated they could not find my deposit or extra funds. I resubmitted a claim but I would like my money back. I am also filing a report with the police station to pull the video footage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: CA

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 2025-04-25 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:
i am file a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have dispute this with the credit bureaus and the furniture but the late payments remain without proper validation or documentation under 15 usc 1681 s2 a Furnitures must report accurate information under 15 usc 1681 i the credit bureaus must perform a reasonable investigation within 30 days neither have provided sufficient evidence to support the negative reporting 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 2025-04-25 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: FL

Complaint narrative:
i am file a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have dispute this with the credit bureaus and the furniture but the late payments remain without proper validation or documentation under 15 usc 1681 s2 a Furnitures must report accurate information under 15 usc 1681 i the credit bureaus must perform a reasonable investigation within 30 days neither have provided sufficient evidence to support the negative reporting XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
this is not my acct i do not no dis people i did no business with them so watever so dis acct is fraud and they need to remove it off my credit report asap like today fast before i sue them i file a ftc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
i am file a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have dispute this with the credit bureaus and the furniture but the late payments remain without proper validation or documentation under 15 usc 1681 s2 a Furnitures must report accurate information under 15 usc 1681 i the credit bureaus must perform a reasonable investigation within 30 days neither have provided sufficient evidence to support the negative reporting 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 2025-04-25 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:
Under 15 U.S.C. 1681s-2, TransUnion is required to ensure the accuracy of information provided to consumer reporting agencies and to investigate disputed information promptly. Additionally, 15 U.S.C. 1681b ( 2 ) restricts the permissible purposes for furnishing consumer reports, and the continued reporting of inaccurate data violates these provisions. 

I demand that TransUnion : Immediately remove the aforementioned XXXX  XXXX Bankruptcy account ( Reference # XXXX ) from my credit report. 



Provide written confirmation of the removal within 30 days of receipt of this letter. 



Conduct a thorough investigation into the accuracy and verifiability of this account and provide me with the results of the investigation, including any documentation relied upon. 

Failure to comply with this demand within 30 days will result in my pursuit of legal remedies for violations of the FCRA, including but not limited to actual damages, statutory damages, punitive damages, and attorneys fees, as provided under 15 U.S.C. 1681n and 1681o. I intend to file a lawsuit against TransUnion for willful noncompliance if this matter is not resolved promptly.

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 2025-04-25 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-04-25 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>

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 2025-04-25 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-25 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'd recently reviewed my consumer report and noticed some unidentifiable items located on my consumer report. In addition, I did not give any of these creditors consent to furnish such information onto my report. This is a clear violation of FCRA Section 1681b ( c ) which constitutes as fraud & breach of my non-public personal information under Gramm-Leach Bliley . Consumer Reporting Agencies must comply by Federal law under Regulations V. Section 605b Block information resulting of identity theft. Furthermore, under section 1681i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified with 5 business days of the reinsertion of the deleted items. TransUnion must block such information reporting to the consumer report once investigated as inaccurate, incomplete or unfair. How many should an item get deleted before its reappears. 

Attached is FTC reporting including identifiable information. Fraudulent Accounts ; XXXX XXXX Account Number XXXX XX/XX/year>XXXX  Balance {$44000.00}

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 2025-04-25 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: CO

Complaint narrative:
There are two items on my credit report that are fraudulent accounts which Ive already filed a claim with you guys on here XXXX but experience sends a response response that theyre working on it every time and everything remains the same the two negative items that are fraudulent with my identity was stolen are XXXX XXXX XXXX  and XXXX XXXX. Ive been in contact directly with both companies, and both companies have informed me that I need to dispute directly with the credit bureau, which I have done more than 15 times now and every time I dispute it, Experian credit report. States that they verified the status of each account by sending out a three letter bubble questionnaire. that is not requesting proof of claim that is not validating proof of claim that is a lack of professionalism by Experian. experience is violating the federal consumer protection law by such questionnaires. They are sending out theyre violating it by not validating proof of claim I have not received any proof of claim from Experian credit company. I have requested my original signature of signed documents for these accounts, a copy of my original photo ID if it was taken at the time of opening these accounts, and I have not been provided any such proof of claim I am requesting experience to remove both fraudulent accounts from my account immediately and indefinitely if they can not provide proof of claim to me or to the federal consumer protection bureau, validating that those accounts are mine legal actions need to be taken

Company response to consumer: Closed with explanation