vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
They agreed to cancel the loan because my daughter passed XX/XX/scrub>XXXX. She only attended school for a month DEPT OF ED Installment with account # XXXX opened on XX/XX/scrub>XXXX and a balance of {$12000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
They agreed to cancel the loan because my daughter passed XX/XX/year>. She only attended school for a month DEPT OF ED Installment with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$12000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
15 U.S. CXXXXe XXXX ( XXXX ) 15 U.S. CXXXXe XXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please delete these accounts in Transunion they do not belong to me and I have received discriminatory and threatening calls from the company XXXX XXXX XXXX XXXX. This is causing me family problems at work and is damaging my credit. When I call the company I receive discriminatory treatment and they do not allow me to speak or express myself.

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 2025-03-25 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: GA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Request for Investigation and Deletion of Negative Items Under 15 U.S.C. 1681g ( Section 605 ( b ) ) To Whom It May Concern, I am writing to formally dispute the negative items currently listed on my credit report. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of all inaccurate, unverifiable, or outdated information from my credit report. 
According to the FCRA, the credit reporting agencies are required to provide complete and accurate information. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate and ensure that the following items are verified in full compliance with federal law. If they can not be verified, they must be deleted immediately. 
The negative items in question include : 1. [ List the account names, numbers ( partially redacted ), and creditors for the negative items you want removed ] 2. [ Include any specific details on why the item is incorrect, outdated, or unverifiable ] Pursuant to 15 U.S.C. 1681g, I formally request the following : A full disclosure of the verification process used to report these negative items. 
Proof that these negative items are being reported in full compliance with all relevant federal laws. 
The immediate deletion of any information that can not be properly verified within the required timeframe. 
If these items can not be verified within the legally mandated period, I expect their immediate removal from my credit report. Failure to comply with this request will result in further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and pursuing legal remedies. 
Please provide me with written confirmation once these matters have been resolved. I appreciate your prompt attention to this urgent issue.

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 2025-03-25 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX : XXXX XXXX XXXX Date XXXX Balance : {$2000.00} XXXX XXXX XXXX Date XXXX Balance : {$6500.00} XXXX XXXX XXXX Date XXXX Balance : {$4100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX Date XXXX Balance : {$2000.00} XXXX XXXX XXXX Date XXXX Balance : {$6500.00} XXXX XXXX XXXX Date XXXX Balance : {$4100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX : XXXX XXXX XXXX Date XXXX Balance : {$2000.00} XXXX XXXX XXXX Date XXXX Balance : {$6500.00} XXXX XXXX XXXX Date XXXX Balance : {$4100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX Date XXXX Balance : {$2000.00} XXXX XXXX XXXX Date XXXX Balance : {$6500.00} XXXX XXXX XXXX Date XXXX Balance : {$4100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}

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 non-monetary relief
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I am writing to formally dispute multiple unauthorized or unrecognized credit inquiries recently reported on my credit profile. I have not applied for credit with any of the following institutions and did not authorize these inquiries : XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX XXXX Reported on XX/XX/year> These inquiries are unfamiliar to me and raise serious concerns regarding the potential misuse of my personal information. 

As a protective measure, I have placed an Extended Fraud Alert on my credit file with the major credit bureaus. I am requesting the Consumer Financial Protection Bureau to assist in investigating the validity of these inquiries and ensure that appropriate steps are taken to protect my identity and credit standing. 

Please let me know if any further documentation or verification is needed from my end. I appreciate your prompt attention to 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 2025-03-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: GA

Complaint narrative:
CEASE AND DESIST LETTER From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/2025 Subject : Cease and Desist Unlawful Debt Collection and Harassment Dear KIKOFF LENDING LLC, This letter serves as your formal notice to immediately CEASE AND DESIST all debt collection activity and any further communication directed toward me, XXXX XXXX, XXXX ending in XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. 

Your repeated attempts to collect an alleged debt through phone calls, emails, letters, or any other means are harassing, unwanted, and potentially unlawful. Furthermore, I dispute the validity of any alleged debt and demand that you immediately stop all collection efforts. 

Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to : 1. Cease all communication with me except to confirm cessation or notify me of specific legal action.

2. Provide proper verification of any alleged debt, which you have not done.

3. Refrain from any form of harassment, threats, or misleading behavior. 

Failure to comply with this Cease and Desist demand will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, and may lead to civil legal action for damages.

You have 10 business days from the date of this letter to provide written confirmation that all communication and collection activity has ceased.

This letter is issued without prejudice to any and all rights and remedies available to me under federal and state law. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to inform the Credit Bureau XXXX AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. XXXX ) CREDIT BUREAU is required to REMOVE any accounts listed in Identity Theft. XXXX again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX  XXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$6500.00}

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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
Re : Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the XXXX Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 

Accounts in Dispute : XXXX : XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 

Legal Basis for Immediate Deletion : XXXX. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 
XXXX. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 
XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. XXXX ( b ) and 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ). 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within XXXX days as required by law. Failure to comply will result in further action. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
Each time I submit a dispute, the investigation is concluded within an unreasonably short timeframeoften within a weekonly for the disputed account to be marked as verified without any substantive explanation or proof of investigation. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough investigation within XXXX days. However, the rapid turnaround time in my cases strongly suggests a lack of proper review. 

Additionally, I have identified that certain accounts listed on my credit report violate federal law. Specifically, accounts that have been closed or transferred to another company should not continue to be reported on my credit file. Despite bringing this issue to the attention of the credit bureaus, they have failed to take appropriate corrective action. Due to their negligence, I was forced to escalate my complaint to the Internal Revenue Service ( IRS ) to manually report these discrepancies.

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 2025-03-25 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: NY

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 2025-03-25 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: NY

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