vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TRANSUNION 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.

TRANSUNION 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 non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-03-26 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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: MS

Complaint narrative:
I previously disputed the inaccurate XXXX  on my Equifax credit report. 

XXXX, the original data furnisher, has removed the XXXX and confirmed in writing that it should no longer be reported. 

Despite receiving this information, Equifax continues to report the XXXX  and refuses to correct the error.

Equifaxs failure to correct this issue means they are knowingly reporting false information.

FCRA Violations : Equifaxs refusal to remove this inaccurate information violates : 15 U.S.C. 1681i ( a ) Credit reporting agencies must conduct a reasonable reinvestigation of disputed information. Simply refusing to correct an error despite proof that the original furnisher has removed it is a failure to comply.

15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure the maximum possible accuracy of consumer credit information. Since XXXX has already removed the XXXX, Equifax is knowingly reporting false information.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-26 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:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-03-26 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am submitting a formal dispute against Aidvantage for inaccurately reporting my student loan under a name and date of birth that are not mine, in violation of federal consumer protection laws. While I did take out the loan, the account was reported using incorrect personal identifiers that do not match my legal identity. 

This has caused significant damage to my credit, including a XXXX drop in my XXXX XXXX. After I filed my original complaint with the CFPB, Aidvantage responded by stating that they would update the information if I provided a government-issued ID. I did not provide my ID because I am not requesting a correction I am disputing the legitimacy and legality of the account as it currently exists. The loan was reported with false information from the start and must be deleted, not amended. 

Furthermore, XXXX has already removed the incorrect name and date of birth from my credit file, confirming that this data is not associated with me. Aidvantage, however, continues to report the account under those same false identifiers, demonstrating noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires all consumer data to be accurate and verifiable.

Aidvantage has failed to conduct a meaningful investigation or resolve the dispute. Instead, they placed the burden on me to fix their reporting error which is not my legal obligation under the FCRA. Their failure to correct or delete this unverifiable account is causing ongoing financial harm and distress. 

I am requesting that the CFPB enforce the law and require Aidvantage to permanently delete this account from all credit reporting agencies, as it is tied to inaccurate and unverified personal information. This matter has gone unresolved for far too long, despite multiple efforts to dispute it properly.

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: PA

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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: EQUIFAX, INC.
State: MD

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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My student loans were forgiven in the borrowers defense law suit. I have the notification, the XXXX XXXX site has not filed it appropriately, submitted a copy to the XXXX XXXX site, Mohela who is handling my student loans, They refuse to acknowledge the forgiveness. 

My research shows the the loans have been forgiven in the lawsuit against the University XXXX XXXX. My letter states the same. 

I have reached out to the XXXX, am awaiting a response. However, I do not feel that Mohela can continue to get away with denying loan forgiveness that the XXXX XXXX XXXX has extended. 

I would like your help in bringing this to a conclusion. To have Mohela acknowledge the forgiveness. I saw a lawsuit against them still pending because they have refused other students their loan forgiveness. 

I have provided them the letter, that oddly enough they sent to me.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: EQUIFAX, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting a formal complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) by Affirm Specifically, I believe Affirm violated the XXXX on XXXX rule, which restricts the number of calls a debt collector can make in a seven-day period. From XX/XX/XXXX to XXXX XXXX I was contacted more than 7 times by affirm and I strongly feel I was harassed and my rights was disrespected.Additionally, these calls were placed during important times even while XXXX at XXXX and caused significant disruption to my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX This is a Privacy Violation FCRA. Plz remove LATE payments under 15 USC 1666b Improper use of credit report. Creditor may not treat a payment on credit account under end consumer credit plan as late for purpose of reporting. By the provisions of the Fair Credit Reporting Act, this is unauthorized negative information and I demand negative items be removed from my report. Thank you for your time and help in 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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: UT

Complaint narrative:
This letter serves as a formal notice that you are in continued violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

I previously issued a cease and desist letter over XXXX years ago, instructing your company to cease all communication with me regarding the alleged debt associated with Reference Number [ DT XXXX ]. In your own recent correspondence, you acknowledged that a cease and desist was on file. Despite this, you have again contacted me by mail at my home address, which constitutes a clear violation of the FDCPA. 

Under 15 U.S.C. 1692c ( c ), once a written request to cease communication is received, a debt collector may only contact the consumer to : 1. Advise that further efforts will not be made, or 2. Notify the consumer of specific remedies that may be pursued. 

Your most recent letter does not fall under either of these exceptions and is therefore unlawful. 

This behavior mirrors precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where continued contact after a cease and desist was found to be a violation of the FDCPA. Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX. LEXIS XXXX ( S.D. XXXX XXXX ) held that acknowledging a cease and desist while still contacting the consumer supported a finding of willful violation. 

I am now requesting that : You provide a written explanation as to why contact was made despite a cease and desist being on file. 
You cease all communication immediately unless it falls within the legal exceptions outlined above. 
You remove all negative credit reporting, if applicable, and confirm in writing that no further action will be taken.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are fraudulent accounts reporting on my credit reports. This is hindering my ability to obtain credit.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Additionally, this breach may also violate the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), which mandates financial institutionsincluding student loan servicersto implement safeguards to protect consumers ' private financial data. Unauthorized disclosure of my information also raises concerns under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which regulates the accuracy and privacy of consumer credit 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 2025-03-25 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 following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24 Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The issue was on XX/XX/XXXX when I did sent {$3200.00} by XXXX to a wrong number, as soon as I noticed this I called Chase Bank and the person who was sent the money but Chase told me that they can't cancel the transaction. The person who I sent the money told me by text messages that his bank told him that they hold the money as a fraud transaction because he accepted that the money wasn't for him. I went to Chase Bank personally and called as well to proceed with a claim and after 10 days of " investigation '' Chase Bank only sent me a letter notifying me that the transaction was authorized and no more specific details about where is the money ir who has the was given. Chase Bank and XXXX is a horrible service. I sent all the text messages proof about this issue since the beginning and I do not know what type of investigation they did about my claim, I don't even know if they contacted the other person bank or anything yet, is a horrible service. No one 's know now where is the money or who got the money, etc. Chase Bank is not giving me any explanation. Now Chase Bank sent me another letter claiming that I have to pay them {$3200.00} that they put temporary in my account while the investigation was in process. This is not fair, they do not want to help me and Chase do not want to give me any explanation of where or who has my money.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief