vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX DEPTEDXXXX  Account XXXX XXXX XXXXXXXX DEPTEDXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven 
years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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 2025-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16816-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-02 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I submitted a dispute with Equifax on XX/XX/year> disputing the account submitted by XXXX XXXX XXXX. XXXX XXXX XXXX stated in a complaint filed with CFPB that they sent initial communication on XX/XX/year> but it was also first reported on XX/XX/year>. They did not properly investigate this inaccuracy and continued to report it. Equifax has continued to inaccurately report this account for a year. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: OR

Complaint narrative:
( XXXX XXXX. XXXX Complaint regarding XXXX XXXX and Climb Credit Issue with XXXX XXXX : In XX/XX/year>, I enrolled in XXXX XXXXXXXX XXXX  educational program. They failed to provide the additional education they promised during enrollment. The program did not deliver the comprehensive training that was advertised, leaving significant gaps in my professional qualifications. 

Issue with Climb Credit : Climb Credit, who financed my education, misrepresented critical information about the program outcomes. Specifically, they : Provided false information about the position I would be qualified for after completing the program Significantly overstated the success rate of graduates from this program These misrepresentations became apparent when I attempted to enter the job market and discovered that my training was insufficient for the positions that were promised to be attainable. 

As a result of these issues, I now require additional credentials beyond what was supposed to be covered in the original program. This has caused financial hardship and delayed my career progress. 

I believe both companies engaged in deceptive practices regarding the educational program and its financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I am writing to formally dispute inaccurate and unverifiable information on my XXXX credit report. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ), which fined XXXX {$15.00} XXXX for failing to properly investigate consumer disputes and allowing inaccurate information to remain on credit reports, I am requesting an immediate review and correction of my credit file in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-02 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-04-02 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-02 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: TrueAccord Corp.
State: MD

Complaint narrative:
Title 15 of the United States Code, Section 1681 ( b ) pertains to the permissible purposes for which a consumer reporting agency may furnish a consumer report under the Fair Credit Reporting Act ( FCRA ). Here are the key points regarding the permissible purposes : 1. Court Order or Legal Process : A consumer report can be provided in response to a court order, subpoena, or other legal processes.

2. Consumer 's Written Instructions : Reports can be furnished with the written consent of the consumer.

3. Credit and Employment Purposes : A re may be used by persons intending to use th information for : - Credit transactions - Employment decisions 4. Child Support Enforcement : Reports can be shared with state or local child support enforcement agencies for the purpose of establishing child support obligations. 
5. Financial Institution Duties : The Federal Deposit Insurance Corporation ( FDIC ) or the National Credit Union Administration ( NCUA ) may receive reports in connection with their duties as conservators, receivers, or liquida agents for failed financial institutions. XXXX XXXX XXXX  Employment-Related Uses : When consumer reports are used for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-02 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Randomly a credit card collection appeared on my Transunion report. I disputed it with the Credit Bureau. This has not been removed. I reached out to the creditor reporting advised this was not my account and to remove it. 
No action has been taken by the creditor. 

Creditor : XXXX XXXX XXXX XXXX total amount {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: OK

Complaint narrative:
The issue is Overcharging escrow for taxes by billing twice. We have made numerous calls regarding this issue, some of the most recent being several times on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to address the issue that this mortgage servicing company billed our account double, resulting in a more than double mortgage payment. We repeatedly explained to them during these calls that this property is a duplex for which they hold each mortgage and each side has very similar tax id #. One side of the duplex was billed correctly and the other was double billed! Therefore, we told them that this error needed to be corrected ASAP as our mortgage payment was coming due. On the XX/XX/XXXX phone call to them, we were told they would " look into it ''. However per our follow-up call to them on XX/XX/XXXX the issue had not been resolved. We spoke with XXXX, and she noticed that there was a very similar tax id for the properties and she said she would put in an " expedited request for review ''. We are hoping this can be resolved quickly, but we have no confidence that this issue is being addressed and the incorrect billing is due soon. Therefore, we called again on XX/XX/XXXX as we had not received a call backs from them for this unresolved issue. We informed them that we are filing a complaint with Consumer Finance Protection Bureau, XXXX XXXX and with Roundpoint Mortgage Serving LLC. We are concerned at the very least that their lack of resolving this issue in a timely manner will cause our bank account to default, ruin our credit and cause us extra manpower as we scramble to secure funding to pay the inaccurate excessive overcharge for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Subject : Request for Correction of Account Status Paid in Full Dear Acima Credit Dispute Department, I am writing to formally request a correction to my account status as reported by Acima Credit. My account, referenced below, has been paid in full, yet it is inaccurately reported as closed, written off with a balance of {$430.00} on my credit report. 

Account Details : Account Holder Name : XXXX XXXX Account Number : XXXX Disputed Inaccuracy : Account is reported as written off with a balance of {$430.00} instead of reflecting Paid in Full. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report only accurate and complete information to the credit reporting agencies. Since my account has been fully satisfied, the current reporting is inaccurate and must be corrected immediately. 

I have attached supporting documentation, including payment receipts, account statements, and any relevant correspondence, confirming that this account has been fully paid. 

I request that Acima Credit promptly update my account status to Paid in Full with a {$0.00} balance and notify all major credit reporting agencies ( XXXX, XXXX, and XXXX ) of this correction. Please provide written confirmation once this update has been completed. 

If this inaccuracy is not resolved within the legally required timeframe, I may be forced to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and explore legal remedies as necessary. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please contact me at your earliest convenience should you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16816-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 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 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 2025-04-02 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: FL

Complaint narrative:
Account has never been late and is paid in full. Keeps coming back as verified and i am not being told by the credit bureaus how that is possible. 

The account is XXXX XXXX -outstanding balance of {$1300.00} This account is PAID!!

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 2025-04-02 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: FL

Complaint narrative:
Account has never been late and is paid in full. Keeps coming back as verified and i am not being told by the credit bureaus how that is possible. 

The account is XXXX XXXX -outstanding balance of {$1300.00} This account is PAID!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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